davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Atlanticus Services Corporation (IL)

FORTIVA gave me a credit card with a limit of XXXX. They were jealous of me and allowed me to spend XXXX which put me XXXX over what they gave me. This is not a bank card or bank account. There is NO overdraft feature at all. They added the XXXX and reported this to the credit agencies and said I went over the amount Fortiva gave me which is IMPOSSIBLE. I want them to fix what they reported and because they only gave me XXXX credit limit not XXXX credit limit. They advertised XXXX and then they changed the terms to report false information to the credit agency in order to change my credit utilization score intentionally. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Over or At Credit Limit XXXX/XXXX/FORTIVA XXXX has reported your account as over or at your credit limit. 

Financial XX/XX/2022 What happened? 
On XX/XX/2022, XXXXFORTIVA XXXX has reported to Experian that your account as over or at your credit limit. As a result your score went down XXXX points. 

Source : XXXX XXXX : XXXX/FORTIVA XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX ) XXXX Activity : Bank/Credit Card Over Credit Limit Balance Date : XX/XX/2022 Balance : {$1000.00} You are receiving this alert because your membership includes XXXX credit monitoring & alerts
Consumer complaint received 2018-10-09
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: Siggi LLC (VA)

After multiple attempts through the credit bureaus ( XXXX  and XXXX  ) and through the company Omni Financial I have been unable to come up with a resolution to my issue. Omni Financial is reporting inaccurate information on my credit files ( XXXX  and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been current on my Capital One account for over 2 years and have never missed a payment. I was very happy with this card. I ran in to some issue making a payment online and it caused me to miss a payment of {$35.00} in XX/XX/2018.

I have had a similar serious error where my account was closed due to another tech issue that 2 payments were declined from my bank account. Capital one simply close my 2 credit cards even though This payment was way before any due date and was for over 60 % of the balance.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP (MO)

My issue is trying to cash a U.S. Savings bonds that I bought at this institution ( U.S. Bank ) many years ago and now without warning they have suspended cashing of bonds and referred me to TreasuryDirect.gov. The US Bank website says they can provide notary services which is needed in the mail process of cashing bonds over {$1000.00}, but will " temporarily '' not cash U.S. Savings Bonds due to fraud. 

I have been a US Bank customer for 30ish years and have cashed a bond at this institution about a month ago. I went into a U.S. Bank branch in XXXX Missouri on XX/XX/XXXX where I was told they would not accept U.S. Savings Bonds for redemption due to high fraud. The teller then directed me to the TreasuryDirect.gov website. 

It is interesting that on the TreasureDirect.gov site it says cashing is easy as over 95 % of banks cash them ( not US Bank ). I read up on the mail in process at TreasuryDirect.gov then downloaded the form and completed it with the exception of the notary service. On XX/XX/XXXX I went to the U.S. Bank in XXXX Missouri where I was told they do not do notary work on the weekend and I should try UPS. After going to UPS I was not ready to pay a {$10.00} fee for two needed signature notaries. 

This is a major issue when an institution acts as an agent and sells a financial note and then decides they no longer honor the note ( a U.S. Savings Bond should be secure ). I am an older customer and this makes life extremely difficult trying to get access to my retirement funds. After being a customer of US Bank for so many years they should trust me by now and honor the bonds.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (AZ)

XXXX {$520.00} on credit report since XXXX. 

I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. 

I am not sure who this creditor is or why theyre on my credit report.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Postpone sale date on our home We are interested on the different options that we have available to us. 

Let us know what we qualify for. 

Relocation assistance Deed in lieu of foreclosure Short sale. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Account # XXXX XXXX XXXX pm
Consumer complaint received 2018-10-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I paid a collection off and they are still reporting this on my credit instead of removing it. I have filed dispute after dispute and nothing is being done. Portfolio Recovery is one of the XXXX  companies on the planet! I want this paid account off my credit as it is negatively impacting my credit score.
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (NJ)

The company halstead financial is representing l nb on a XXXX XXXX car. The balance on the card was XXXX, they offered me a settlement of XXXX on XX/XX/XXXX th a payment of that amount was made via check. I have called and asked for a receipt multiple times they tell me I had to wai 3-5 business days so I waited and now we are beyond that time frame and they are still denying me a receipt
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX letter XXXX phone call XXXX letter XXXX phone XXXX letter and call My account was subject to fraud and there are mutiple inquires made on my behalf. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
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. ()

I HAVE LIVED IN XXXX XXXX NEVADA SINCE XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XXXX, OR XXXX FROM XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX OF CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XXXX.PLEASE REMOVE FROM MY CREDIT FILE
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Web/fingerhut account is closed and paid in full! I disputed this account, because a late payment was put on this account due to a billing error! According to ( 15 USC CODE 1666b ) This is a violation.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (OH)

Twice incorrect information has been placed on my XXXX report by XXXX XXXX in Ohio. XX/XX/XXXX and XX/XX/XXXX I made two reports XXXX and report XXXX but Hire Right is not reporting I disputed the information. I was told in 15 days if the trucking company did not change their report the information would remain th same. Thus, HireRight is just a data base for trucking companies to defame and act with prejudice against truckers. I am having a difficult time finding employment due to unfair labor practices by HireRight because HireRight does not do investigations. It reports only what trucking companies choose to say although the majority of the time after my research are acts of defamation, retailiation, and discrimination. XXXX
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-06-10
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (IL)

I ordered about {$700.00} worth of goods from a company XXXX XXXX XXXX XXXX which scammed me. They either never sent the package or sent something like a piece of mail so that they would have tracking either way I never received my parts and contacted the company and was told I wouldnt be getting my parts or my money. I reported this to chime and my claim was denied without them even investigating and they are supposed to stand behind me as their customer.
Consumer complaint received 2018-04-09
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: EQUIFAX, INC. (NY)

I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. XXXX did received payment and still report the account as DELINQUENT.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hello, I have been using PayPal for the past XXXX years without any hitches. However, the company requested for verification documents and upon reception closed my account due to suspicious activity on Friday, XX/XX/XXXX. That has since affected my payments. I am not into fraud or any other significant activity. I have always abided by state laws and their terms and conditions. I find the closure unlawful without any backing whatsoever. All I need is my account back as I have never engaged in any unlawful activities or they should provide the activity that they believe I engaged in because I find it so unfair to make baseless claims.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to a local Bank of America XXXX to deposit a {$10000.00} check. I was given a print out with a transaction ID informing me a hold. I was given dates the funds would be available. The deposit was made around XXXX pm on XX/XX/XXXX. {$5300.00} was supposed to be available on XX/XX/XXXX at XXXX pm and {$4400.00} is supposed to be available XX/XX/XXXX at XXXX am. As of today XX/XX/XXXX that portion is still not available. I have {$4.00} in my account and was told my money would not be available until XX/XX/XXXX at XXXX am by one customer service rep. I explained that it depending on that money and can not live on {$4.00} for nine days. I was then transferred to another customer service representative and was basically told nothing could be done. I have previously banked with XXXX XXXX and made large check deposits and my funds were available the next business day. Given the circumstances I was lied to about when my funds would be available I would like to File a complaint against Bank of America for not processing check deposits in a timely manner. I will have to borrow money for my bills, rent, and groceries until the money is available. This is the second time Bank of America has placed a hold on my funds. The first time was in XXXX and was a paycheck from my employer in the amount of {$600.00}. I understand that the check has to clear but the fact that I have used other banks and never had an issues with a hold this long makes me very upset. Bank of America was not willing to do anything. I asked if I could just have at least {$500.00} available to hold me over until they process the check and was told no. {$4.00} is not going to last 9 days. They need to reevaluate how the process check deposits. They told me all banks take that long and place holds but not in my experience with other banks.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

XX/XX/2021, LEXISNEXIS. I mailed a letter to LEXISNEXIS asking them to provide me with proof on how they aquired information about a bankruptcy they have listed on there comsumer report in my name. I have not received any information about my inquiry.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$19000.00} XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Systems International, Inc. (TX)

I was notified from the credit reporting agency that a medical bill is owed. I have sent several disputing this debt, that I have always had insurance to provide to any hospitals & the bill is not mines. Also, this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my information and may have violated HIPPA LAW.
Consumer complaint received 2019-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and XXXX of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX received payment in full for {$540.00}, XXXX XXXX XXXX has no right to attempt to collect it again ; and your verification method is in error ... I contacted original creditor and was told that they did not verify this paid debt as being owed to anyone ... and they said you are probably using e-oscar which often report false or settled accounts ... litigation will follow, if it isn't corrected ... F.C.R.A. law has been violated
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.