davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed on my credit report as a separate line item. I have attached a copy of the Inquires section of my credit report showing the numerous inquiries for the same item. Specifically on XXXX ; XXXX and XXXX. I have also attached a copy of my Drivers License and Insurance Statement for identification purposes to continue to investigate this complaint. These multiple inquiries were for the same product, an auto loan and these inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

Mortgage lender can not pull my credit report form Equifax. Has tried multiple times. The first on XX/XX/20, XX/XX/20, and again on XX/XX/20 She is getting a message saying " input SSN mismatch : does not match what Equifax has on file. 

I spoke with Equifax for 2 hours on XX/XX/20. They assured me they had the same information and erased an alert on my account. They told me my lender should have no problem pulling my report going forward. However the next day she got the same message. XXXX  and XXXX  come through fine. 

This issue is holding me up from getting approved for a mortgage.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to me.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Equifax ; XXXX  and XXXX should not be reporting each inquiry listed on my credit report as a separate line item. I have attached a copy of the Inquires section of my credit report showing the numerous inquiries for the same item. Specifically on XXXX ; XXXX and XXXX. I have also attached a copy of my Drivers License and Insurance Statement for identification purposes to continue to investigate this complaint. These multiple inquiries were for the same product, an auto loan and these inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A bank of america account keeps showing as late on my report and that is incorrect. this account has been holding me back financially for some time and this is the last straw. i have no consented to this when i was opened and it was not in around for years. I demand a viable resolution.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks and one ( 1 ) 60 days late remark which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MI)

I recently owed a debt to an apartment complex that I once stayed In. when I paid the debt trans world systems said I owed an additional {$750.00} that I know nothing about so when I disputed them it showed that I won the dispute but it still brought my score down and I want it removed from my account
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

This complaint is with pay pal! i used pay pal to make a payment for a purchase! after doing intensive research of the website email provided online reviews i noticed that this may be a fraudulent website created by a very suspicious persons name i contacted pay pal but there is no one to help and resolve this problem they opened a case and said that i did in fact purchase something from that website and yes i did but after like i said doing intense research i have found out that this web site is fraudulent account as it appears! the shipping number in pay pal system is used from a prior completely diff purchase how can that happen when the seller should not know such info?! there is no live person that pay pal provides to speak with I HAVE NOT RECEIVED THIS ITEM AND TRYING TO ALERT EVERYONE ABOUT THIS PERSON!!!!! AND I WANT MY MONEY BACK!
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

DOES ANYONE AT EXPERIAN KNOW HOW TO READ?????????????????????????? OR DO JUST LIKE TO IGNORE THE TRUTH AND LIE??????????????????????????? I DID NOT SAY THE INQUIRES WERE UNAUTHORIZED, THE INQUIRES ARE ON MY REPORT FOR MORE THAN 2 YEARS. SEE THE ATTACHED COPY OF MY REPORT. As of today, XXXX, Experian has failed to delete four inquiries from my credit report. All four credit inquiries are scheduled to be deleted at the dates specified by law. Experian is in violation of the FCRA. This is an ongoing and recurring problem with Experian. ( 1 ) - .XXXX XXXX XXXX - Bank Credit Cards XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 2 ) XXXX XXXX XXXX Auto Financing Companies - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 3 ) XXXX XXXX - Credit Unions - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 4 ) XXXX XXXX - Bank Credit Cards Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX. Experian is in violation of the law. This is an ongoing and known problem with Experian,
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (AL)

XX/XX/2022 The amount thats was taken from my account fraudulently was a total {$630.00}. I filed a dispute immediately with my bank and my bank denied the dispute and told me that I could appeal it and that I would have file a police report and I did as well as submitted the police report to the bank. 

XXXX XXXX, 2022 I was on the line with current bank when someone hacked my account and began taken money from my account. I was watching my money being depleted from my account and the person who was hacking my account was in another state from me. The amount that was taken from me was {$500.00}. And once I filed the dispute the bank did not give me my money back.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have being making payment on my Capital One credit card for almost a year and none of this is being report on my credit report.My balance has come down. Im trying to fix my credit that is why I started an agreement with the agency to started monthly payment do I could get a fix on my credit but they are not holding up tethered end.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

Today, a collection agency named IC System just reported a {$550.00} collection account on my credit report. According to the Fair Debt Collection Practices Act, they are supposed to notify me of a possible debt, and give me 30 days to answer to it, before they report it on my credit report. I was not given that opportunity, otherwise I would have certainly contested it, because I have no outstanding debt.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am from XXXX and I was working in XXXX Washington DC XXXX XXXX XXXX for one year. I opened my Bank of America Account in DC in XX/XX/2019. I sent them an email but nobody answered me. 

I returned to XXXX and Bank Of America took from my account Monthly maintenance fee but right now due to corona and being in XXXX, I can not use my account right now. If they continue to take this fee from my account, My account will be - balance.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2020 my purse was stolen from my car with all of my credit cards, debit cards, Florida Sate License, social security card. Fradulent charges were made on all of my cards.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a consumer in pursuant to 15 USC 1692 A3 Experian, XXXX and XXXX is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer  generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian, XXXX, nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to  dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$1800.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00}
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

MACYS/DSNB XXXX XXXX XXXX XXXX, OH, XXXX XXXX FTC - Affidavit issued on XX/XX/2020 with letter suggested from FTC website. Company does not send any information requested regarding the validity of this debt. Company does not delete information from my credit. 

Here the information requested on the letter. 

Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft  victim documents related to an account if the victim asks. 

Please send me copies of all records relating to the account, including : Account applications made on paper, online or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am trying to purchase a house and when reviewing my credit score my lender discovered that my auto loan from Capital One is reporting late payments for the past 3 years on these following  dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX even though this auto loan was paid off in XX/XX/XXXX. I gave the Capital One representative permission to speak with my lender, Capital One was contacted at XXXX central standard time on XX/XX/XXXX in an attempt to resolve these false claims. With my lender speaking to the rep that was on the phone, he had attempted to escalate to a Manager. Rep had advised that there was no manager on site during these  business hours that can resolve this issue. It was stated by the Capital One representative at the beginning of this call that the call may be recorded and monitored. My lender asked for an audio version of the phone call. Rep asked for my phone number along with my Email address. My lender advised the rep that as of date XX/XX/XXXX by noon ( XXXX CST ) if no one is going to resolve this issue, we will file a complaint and make disputes. Capital One has made no further attempts to contact me via phone or email since then.
Consumer complaint received 2020-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC (MS)

I had spoke with three different people at the 1st heritage credit location in XXXX MS we had agreed to make a one time payment of and work out the rest.. I then the very next day got an email from a XXXX saying I needed to make a payment I had been tested for covid that day and this has been an ongoing process I have had three tests and have been off work for three months in and out of the hospital I have been told that the people have shown up at my house demanding money. This is harassment
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (CA)

My mother suffered a XXXX XXXX on XX/XX/XXXX which required an ambulance ride provided by a company named XXXX. The cost to her was {$200.00}. I received the bill on XXXX and paid the bill via check on XXXX ( I am the executor of the estate - she died on XX/XX/XXXX ). I received a debt collection letter from Bay Area Credit Services. I tried to contact them several times. Their phones are never answered. I contact XXXX and told them I had paid the bill. They made note. I then emailed Bay Area Credit Services and have not yet received a response. I sent the email via the information on their website : For Dispute email us at XXXX 

I sent the initial email on XX/XX/2020 : -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Sent : Wed, XX/XX/2020 XXXXXXXX XXXX Subject : BACS Account # XXXX /creditor Account : XXXX I have made several attempts to contact your company during your regular business hours. The message on the phone number provided by the notice sent to me states the offices are closed. 

This is in regards to a XXXX dollar payment owed to XXXX XXXX XXXX by the Estate of XXXX XXXX. You have incorrectly named it : Estate of XXXX XXXXXXXX. Please correct your records. 

I called and spoke to XXXX this morning. I spoke to XXXX. I informed her that payment was mailed to their company on XX/XX/2020. She stated she would make note of that information. The check was from my account and the check number is XXXX. 

Please indicate on your records that this bill has been paid. Please respond to me within 24 hours. 


NO ONE IS CONTACTING ME WITH ANY INFORMATION.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint.  ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS ( account resolution services ) did not verify what they are stating that I owe all it says is you owe this much to us for services at a company. They would tell me nothing more then that. The refuse to tell me what services I had or how much these services I supposedly had were. No one can tell me why I owe that much or what I owe that much for. But they keep sending me letters that it is valid and I do owe them. They refused to remove it several times. Furthermore they only sent me letters saying it was valid debt after 30+ days from receiving my validation letter. So they should have removed it on this alone. I cant work with them and they give me no information other then paying them they dont offer any information or solutions
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (AR)

Well, Chase Bank has as part of their EULA on their credit cards that if a card isn't used in a year they'll drop you as a customer due to lack of use.

With {$35000.00} worth of available credit on cards if I wanted them, and another {$25000.00} on a signature loan if I wanted it, I have no desire to have this small value ( {$2500.00} ) high interest rate ( 26 % ) card on my account.

I waited 18 months ; called them up and they couldn't give an explanation why they hadn't dropped me as a customer. They agreed I should have been dropped- but they refused when I called them. I refuse to fill out the paperwork to BE dropped as I don't want to take the " hit '' on my credit score. 

So this is a rather unique situation where they refuse to drop me as a client. 
I refuse to fill out the paperwork to be dropped.

The balance has been " 0.00 '' now going on 20 months ( as of  XX/XX/2020 ) so I'm filling out the OPPOSITE kind of complaint you normally would get!