davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After viewing my credit report for the first time in years I saw that transunion has billing me {$19.00} a month for their service. I would never sign up for this. I tried handling this online but I needed a username and a password, which I dont have. When I called I was asked for email for security and I didnt know the " right one '' so I couldn't cancel subscription let alone receive a refund. They wouldn't even give me my username and password! After several more calls finally a man told me he could cancel. Just recieved bill and, of course, still charging me {$19.00} a month! What do I do?!
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an alert from XXXX that Bank Of America reported me 30 days late in XXXX of 2021. I have never made or been 30 days late on any credit card payments. 

After receiving the alert from XXXX XXXX I contacted Bank of America on 2 separate occasions I explained to them that I have never been 30 days late in which the customer service rep agreed. She also stated she would place a research ticket and someone would contact me once the ticket had been reviewed. 

I have not received any phone calls, letters or emails from Bank of America stating I was late or in jeopardy of being late. During the call I instructed the agent that the online access to my account for payments had been blocked for some reason. I also explained that I never had a returned payment so there should be no concerns of a returned payment. 

The agent ask me to go online while she was on the phone to try and make payment so she could see if it would g through. I tried to make payment and sure enough the account was blocked from making the payment. The agent put me on hold and said that she needed to write up my issue and she would be back with me, once she came back to told me she had a long write up and my credit should be corrected and and someone would be contacting me. I explained to her that this was my 3rd effort to get this corrected and my next attempt would be with the CFPB or AG 'S office she assured me my account would be fixed. 

I told her my account had been closed for years but I never missed a payment she told me she noticed my accounts were closed and that should not effect access to me making online payments. I also explained to her that eventually the I needed a response and my credit repaired since my score dropped 65 points. 

The agent ask me to stay online with her she was going to transfer me to online support to find out why I could not have access to making online payments. The agent said she would get support desk on the call and explain to them the issue and then transfer me to them so I would not to continue to hold. Apparently she was not able to do that because I was transferred and was put on hold for over 1:45 minutes until i just gave up. I have called back two times since then and still no help. My wife and I have noticed that after the late fee payment date i get access to make the payment online.

This entire process has been terrible the customer experience has been horrific Bank Of America is in violation of the Fair Debt Credit Reporting Act. I received no correspondence for a late payment and no calls. It has been 60 days with no response to any of the several complaints I have made.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (NY)

I was exploring auto loan options with Chase Auto to buy out my wifes lease. I requested a preliminary rate without a hard pull and chase went directly to a final rate with a hard pull I did not consent to. Additionally, my wife was not on the loan so I cant even use the loan they approved for me and I cant add her after. When I requested this hard pull be removed Chase stated it was buried in the fine print of the disclosures that were vague. Most loans have a clear warning prior to a hard pull. I reached out to Chase auto and they said they will not remove it.
Consumer complaint received 2023-04-09
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. (GA)

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score. 

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Report Act XXXX XXXX, USDOE/XXXX  has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have never been applied for a US Education loan ; I need this account to be investigated and removed from my credit reports.
Consumer complaint received 2018-11-16
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. (TX)

I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact XXXX   XXXX and Equifax in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to Equifax, XXXX and Equifax. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX, XXXX  and Equifax requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to Equifax as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

Law Offices MBA is continuing to report a collection account to my consumer credit file. If Law Offices MBA has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Law Offices MBA is attempting to collect. MBA has no legal right to attempt to collect a debt. MBA has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA
Consumer complaint received 2017-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX a call was placed to Transunion. I spoke to two representatives. One outside the United States and one United States representative. I am a XXXX veteran, a victim of identity theft and recently notices many unauthorized inquires on my consumer credit report. I also have a fraud activity alert on my file and have not received notice of new credit inquiries. These representatives would not help me with this issue. Inquiries include : 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX/XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX -XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX 10. XXXX XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX XXXX- XX/XX/XXXX 14. XXXX XXXX- XX/XX/XXXX 15. XXXX- XX/XX/XXXX 16. XXXX/XXXX- XX/XX/XXXX 17. XXXX/XXXX- XX/XX/XXXX 18. XXXX XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX  -XX/XX/XXXX 20. XXXX XXXX- XX/XX/XXXX 21. XXXX XXXX XXXX-XX/XX/XXXX6 22. XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-08
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. (CT)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2021-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (AL)

Midland mortgage foreclosed after 6 weeks of missing payments. They granted a forebearance on XX/XX/XXXX, and sent a person with a loaded unregistered XXXX in my home on XX/XX/XXXX to foreclose. In XX/XX/XXXX, they sent someone in and vandalized my property ( tore my security system, put holes in my walls, left my property unlocked, and tore down my blinds ). I feel bullied and harassed by this mortgage company.
Consumer complaint received 2022-02-02
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. (PA)

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PTF document reflecting all items that were found to be unauthorized by any such.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Over a year ago, I've upgraded my PayPal account from personal to business. I had to varify my account. I was able to do this due to technical issues. I called Paypal multiple times about this. Eventually, Paypal terminated my account as a result and they refuse to give me my money back.
Consumer complaint received 2017-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Bank closed my account mid XXXX. I owed them some overdraft & since I had n't opened another account with another bank yet, with my first pay, I decided to send part of my direct deposit of about {$89.00} to cover what I owed them. I called few days later, early XX/XX/XXXX, & USAA informed me they received the money & after spending over an hour on the phone with them, they informed me my check will be sent to my updated address & I would receive it within 7-10 bussiness days. I waited. 7 days later I received their fliers, no check. 30 days later, I called them again, I spent about an hour being transferred with absolutely no resolution. They said they sent the check & I should be patient & give it time. I waited, I continued to receive fliers & advertisement stuff, no check. I called them in XX/XX/XXXX, I hang up for being put on hold for over 10 min bc I was at work. I called them in XXXX after I moved to update my address & follow up on the check. Once again, I was on the line with them for over an hour. I was transferred & sometimes had to wait on hold for so long. Finally they told me that my check was returned to them in XX/XX/XXXX. I asked why & they did n't know why. I received everything else they sent but the check. I called them twice before & no one told me this. So then I had to wait longer on the phone for them to send me another check. They said I would receive it within 7-10 business days. 10 business days ended on XX/XX/XXXX. I called them first week of XXXX, they told me, it could be held up somewhere to continue to wait. Once again, I 've received their fliers & stuff & no check. I contacted them again but had to hang up after being put on hold for over 10min. I had explained to them I could n't hold for long since I was at work. While I had a good relationship with USAA as a customer, this experience has completely has changed my opinion of them. Please help me get my few extra funds back as this is the only way I will receive them. Its been almost a year & all I get from USAA are nothing but waste of time on the phone and lies. Why I continue to receive their advertisement fliers but not my check is beyond me. Thank you.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I applied for XXXX XXXX XXXX XXXX from American Express. The bonus offer is XXXX bonus miles + {$300.00} statement credits. After I made eligible purchases ( over {$2000.00} purchase and booked a XXXX XXXX ) within the first 3 months, i did not receive the bonus. 

When i inquired custom service with the custom service, I was initially told that I am eligible for the offer but there may be delays. I waited several weeks, but still did not receive the bonus. When I checked with them later, I was told that the promotional bonus offer was declined when I applied for it. However, I did not receive any notification ( e.g., no pop-up windows ) when I applied for it.
Consumer complaint received 2017-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Effective XX/XX/XXXX i was sent an escrow analysis stating that i have a XXXX, XXXX dollars escrow shortage, and that my city taxes were raised now from XXXX dollars monthly to XXXX dollars monthly, bringing my monthly mortgage payment to XXXX, XXXX. XXXX. I was originally paying XXXX dollars monthly. My township stated tht my mortage lender only paidapproximately 7000 dollars in taxes for XX/XX/XXXX. However my bank is saying that they paid them approximately11,000 dollars for XX/XX/XXXXresulting in me having to pay this. I can not afford my mortage payments anymore because my escow was so severly mismanaged. Iam the only tenant in my building whose taxes were raised.
Consumer complaint received 2024-03-06
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX  XXXX  XXXX  Account number : XXXX
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CO)

XXXX XXXX XXXX filed a collection and didn't bother to contact me about it still showing due in their records. Hospital service was rendered on XXXX to XXXX XXXX Itemization attached ). I had specifically told them when I was there that I was travelling, so always contact me by phone or email if there are any questions or problems. On XXXX I received and paid the invoice from their billing service XXXX XXXX XXXX XXXX XXXX ) ( Copies attached XXXX. So I archived everything, thinking it was all taken care of. 
On XXXX XXXX notified me that a collection filing was reported to the credit bureaus, so I called the hospital and asked what the XXXX was going on. Upon investigation, we found out that the amount I paid for them was applied to ANOTHER bill within the same hospital group. I complained vigorously to XXXX XXXX that they never bothered to call me, email me, or invoice me themselves and they had the information to do that. They said they dont normally do that. WHAT? REALLY? Instead, they did nothing except give it to a collection agent after a number of months. Typical medical billing incompetency. However, I paid them again on XXXX the balance that they still showed due ( Copy Attached ) and then tracked down and cleared up the miss-payment to the wrong account later. 
At that time, I told them that the lag time and the miss-payment was THEIR FAULT, NOT MINE, and they better reverse their collection filing, or I would hold them liable for damage to my credit. They said they would, but now obviously they did not. 
My credit scores have historically been in the 800s, but just this last week or two, I discovered the score has been dropped into the 600s and was denied a rental application and a HELOC line of credit on my home as a result. 
I expected them to reverse their collection filing and explain that is was in error, but it appears they will not take responsibility for their billing service mistakes or their in-action. 
THIS IS NOT FAIR CREDIT REPORTING
Consumer complaint received 2019-07-18
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 (PA)

capital one account numbers XXXX & XXXX both accounts charged off, NEVER sold to collection agencies if company took profit/loss -- A profit and loss write off on credit bureau report is really just a fancy way of saying that the credit card company decided that a given debt wasn't worth collecting and took a write-off for it. 
since they never sent to collections, I need to see the profit/loss on their tax lines for these two accounts. if they can not show tax reports as a loss, they MUST remove from all credit agencies