davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MS)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On or about XX/XX/2020 I filed a dispute with Paypal about one of their merchants. I provided Paypal with massive amounts of information supporting my claim. They took well over 10 days to respond to my dispute without reviewing my documents and decided to close it. I appealed it and they came back with another closed case. Their reason was I chose the wrong dispute reason. I tried to change the reason and Paypal only gave me one option to choose and I chose it. After having done that It took them less than 10 hours to close the case permanently. I called and they have no customer service agents, I even sent a message through their online message portal and I have gotten nothing back from them regarding my dispute. What happened was on XX/XX/2020 I purchased a service from one of their merchants in the amount of XXXX. On XX/XX/XXXX the merchant canceled the service and did not return my funds. I contacted Paypal about it and they have not been willing to work with me at all. I can speak to no one, chat with no one, I have contacted the merchant and they are non responsive as well. PayPal is supposed to be a safe and secure way to pay for items and I have taken advantage of by their merchant with no resolve from them. I am contacting CFPB for help in this matter as Paypal had neglected their oath as a responsible party in this matter. Paypal gets a cut of the money I extended their merchant I am just trying to get my funds back. That is all seems like extortion. Please help!
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

Evidently someone somewhere had a card in my name that i knew nothing about. I had caused great negative harm to my credit report. I got a civil summons to go to court and thats when i started investigating. Now XXXX XXXX and equifax  is saying it its me. Who is going to repair my credit score? It has dropped nearly 200 points due to this. Please see attached images.
Consumer complaint received 2020-04-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (HI)

I have disputed an account with both XXXX XXXX XXXX XXXX and Experian. There is a lawsuit against XXXX XXXX. The details can be found at XXXX. The original transaction was void, I do not owe the amount that appears on my credit report. 

I wrote many letters to XXXX XXXX XXXX XXXX and Experian outlining the way the credit report was inaccurate. On XXXX, I sent proof the XXXX  that the account was disputed successfully by my attorney to XXXX 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report. 

XXXX  replied on XXXX. They say in their letter that they can not verify my account. 

I sent all this information to Experian, so the account could be removed from my credit report. Experian finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment. 

I want this account removed.
Consumer complaint received 2020-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I did not even know about this card until i got a bill in the mail. Then i did some research. It appears someone somewhere has a credit card in my name. This account was closed on XX/XX/XXXX with a {$0.00} balance. Then it was reported {$950.00} due on XX/XX/XXXX. So who had this card if i never knew about it?
Consumer complaint received 2020-04-12
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: EQUIFAX, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XX/XX/XXXXXXXX XXXX {$780.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2020-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XXXX  XXXX, XXXX XXXX XXXX {$780.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2020-04-12
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 — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc (HI)

I have disputed an account with both Harley Davidson Financial Services and XXXX. There is a lawsuit against Harley Davidson. The details can be found at  XXXX. The original transaction was void, I do not owe the amount that appears on my credit report. 

I wrote many letters to Harley Davidson Financial services and XXXX  outlining the way the credit report was inaccurate. On XXXX, I sent proof the HDFS that the account was disputed successfully by my attorney to HD 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report. 

HDFS replied on XXXX. They say in their letter that they can not verify my account. 

I sent all this information to XXXX, so the account could be removed from my credit report. XXXX  finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment. 

I want this account removed.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AZ)

This was a sub-prime auto loan I got in XXXX to help with my credit rating since I had a foreclosure on my credit report. I needed credit, and this loan for a car i bought from a dealer in XXXX was something I thought I needed to help get my credit report in good standing. 
The loan turned out to be a nightmare with Ally Financial. I have a report on file with you, the CFPB. My issues with their fabricated payment history I thought was over in XXXX, when I was able to pay the loan off early. Wrong! They continue to report false information to the credit reporting agencies to this day. They are reporting 9 late payments on my loan which is very far from accurate. They continue to make my life miserable as I am still trying to get my credit score up to 700 to buy a house. 
I thought since I paid my loan off early, they would stop harassing me in the ways described in my report on file with you, the CFPB. It is clearly a case of predatory lending, and now it is clearly a case of predatory fair credit reporting laws being broken. 
I ask the CFPB to please make Ally Financial to stop reporting my loan in any way to the credit agencies as I made good and paid off a bad loan, they should make good and leave me alone and quit falsely reporting my payment history to the agencies. 
My info on file with the CFPB : XXXX XXXX XXXX XXXX. XXXX XXXX, # XXXX, XXXX, AZ XXXX.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

Months ago before the Covid-19, I planned to purchase a basketball hoop at Dick 's Sporting Goods. They had a 12 month financing promotion with the Dicks XXXX XXXX Mastercard with in-store purchases. Then the stores closed due to the Covid-19, so I called Dicks customer service to see if I can still avail the 12 month financing if I bought online since stores are now closed, I was told that I would be able to. I was instructed to call customer service back once I purchase online, which I did and was told that its confirmed that I'll have the 12 month financing. Fast forward, I see on my bill that Im charged interest. I called Dicks Customer service who told me to call Synchrony Bank since theyre in charge of the finance. Synchrony told me I have to take it on Dicks since its their promotional offer. I called Dicks and they said they will apply to get it waived. After almost a week I called them again because I still see the interest charge. They said they will escalate it and I'll be receiving a call/email. Its been days, Ive heard nothing, my bill still has the interest charge. Its very frustrating being tossed back and forth like this, nobody seems to know and are not being helpful. I wanted to make sure I get the 12 month financing before applying for this card because its a big purchase. I hope someone help me with this because its completely not fair.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I did not even know about this card until i got a bill in the mail. Then i did some research. It appears someone somewhere has a credit card in my name. This account was closed on XX/XX/XXXX with a {$0.00} balance. Then it was reported {$950.00} due on XX/XX/XXXX. So who had this card if i never knew about it?
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit file and discovered several inaccuracies in the personal information reported. It has come to my attention that you are reporting information that does inaccurate or does not belong to me, which is not only concerning but also has potential repercussions for my financial well-being. 

I am writing to ensure that my credit file contains the most accurate information possible at all times. Therefore, I kindly request that you delete the following inaccurate information contained from my credit file within the next 30 days. I have provided current and correct information for each category to be updated along with proof of identification. 

If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed.

Under the provisions of 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with written instructions from the consumer to whom it relates. Despite this legal requirement, XXXX has knowingly furnished my consumer report with inaccuracies on multiple occasions without having received written instructions to do so and has violated my privacy rights. These actions have caused significant difficulties in obtaining needed credit. 

I trust that you will address this matter with the urgency and seriousness it deserves. Failure to correct these inaccuracies within the specified timeframe may result in further legal action and seeking monetary damages for violations. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im having an extremely tough time reaching someone in the claims department. Ive called every single day for the past 10 days to no avail including today. Each time Ive stayed on hold at lease an hour and no one ever comes to the line. Finally today I thought someone was coming to the line after holding and hour and 10 minutes but instead it was a message saying sorry we cant take your call. Ive asked for a supervisor several times and is just told they will put me in the que for a call back. This never happens. I purchased a projector and screen from a XXXX ad I saw. As soon as I clicked purchase and was charged {$170.00} I received a confirmation email from a totally different company from the one I ordered from. When I saw the email I immediately started searching for that company and found no info. I emailed them back 4 times asking for a refund and Im not getting any response. They dont hve any phone number listed. They sent me a tracking number around 10 days ago and to this day it says that number is not valid. I just want my money back. Since I cant get through to that company Ive been trying to dispute with Bank of America prepaid card from XXXX. I cant get them to answer. Every representative including today someone name XXXX said there is nothing I can do but talk to claims. Its insane that I cant even get someone on the phone in almost two weeks. We are going through a pandemic and many of us count every penny and I have been scammed out of my money and cant even get a bank rep on the phone. I thought this money was federally insured. Im distraught at this point and dont know what to do.
Consumer complaint received 2020-04-12
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: ENCORE CAPITAL GROUP INC. (KY)

I never even knew this card existed until midland started harassing me. So i started doing some of my own research. It has made my credit score drop drastically. It appears this account was closed on XX/XX/XXXX with a {$0.00} balance. Why did XXXX  XXXX accept a payment after the account was closed and had a XXXX balance? It appears that XXXX  XXXX accepted a payment on XX/XX/XXXX on this account that was closed. I never knew anything about this account and want to know who is going to repair my credit score?
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION (AL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

Erc is harassing phone call and never have accurate information XXXX was made aware the debt isnt mine. I had to do a police report with ftwpd then download the packet from their website ( XXXX ) file out documents and attach supportive images police report lease as proof of address and front and back of Id I even included a tax return with consistent address
Consumer complaint received 2020-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America did not notify me that my account was closed. I am a victim of a hacked account and bad check scam. Around XXXX XXXX XX/XX/2020 I received an email someone not me had mobile deposited a check into my account. When I logged into my account it showed my account was locked and did not let me access my money. I tried calling all the Bank of America NA and XXXX XXXX XXXX Area numbers and waited upto an hour without response. Bank of America is refusing to respond to calls. Bank of America is not giving my money back.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

In a recent review of my consumer report I noticed an account ending in XXXX being reported by XXXX XXXX on my consumer report that is not mine. I do have 2 accounts with XXXX  XXXX that are mine and after speaking with a XXXX  XXXX agent by the name of XXXX, I was able to confirm that the account is not my account and that I should reach out to the consumer reporting agencies for the erroneous information, as this is a major violation of rights as a federally protected consumer. It is the responsibility of all consumer reporting agencies to report fair and accurate information in accordance with the 15 U.S. Code 1681e. Having an account that is not mine reporting on my consumer reports is definitely not fair nor accurate. Additionally, going forward, I am opting out of any and all reporting of the account ending in XXXX as it is my right to do so in accordance with 12 CFR 1016.1
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

They pushed me by advertising to apply for this credit and when I apply for it I get denied and my credit score want down XXXX XXXX by hard inquiry check to my credit score and now I can't dispute this check. And is going to effect in my credit score for long time. Plz I want to remove the inquiry check from my credit score history plz. And I don't know why I get denied..there is something weird in this bank the one I was talking about. He is ( bank of America )
Consumer complaint received 2020-04-12
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. (NY)

To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit act.
Consumer complaint received 2020-04-12
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: FACTUAL DATA CORP. (MI)

Factual Data XXXX, CO XXXX XXXX XXXX XXXX XXXX My credit was check with out my permission by this company. It put a hard inquiry on my score. What is going on here?