davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  Account # XXXX, has violated my rights. 
XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX XXXX, has violated my rights. 
XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite my repeated requests to be removed from Capital One 's mailing list for credit card offers, I keep getting them in the mail. I have called, left messages, and talked to people with guarantees that I am off their list yet I keep getting them. I am already on the non-solicitation list with my credit report yet Capital One keeps mailing me offers.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi, I contacted and talked with an agent in the BOA using the mobile app to transfer my credit limit from my old credit card ending XXXX to the new one ending XX/XX/XXXX. I asked the agent to transfer the {$900.00} credit limit from my old credit card to the new one which ends up changing the credit limit of my old credit card from {$1400.00} to {$500.00} and the new one from {$13000.00} to $ XXXXThe agent initially gave me false information and told me that she can not do that as it is impossible to move the credit limit between the credit cards. Since I have done it before multiple times and I knew that it is possible to do this transfer, I asked her again to check if she could do it fact that I was sure it is doable. After holding in the line for few minutes, the agent told me that she could do this and I need to wait for a few minutes to see the changes in my end. I immediately checked my mobile app and I got to know that the {$900.00} is deducted from my XXXX credit card but it was not added to my XX/XX/XXXXcredit card. I told her the situation and she said it may take some time to see the update on my end and she said that she can see the changes on her end. She told me that she can see my credit card limits changed to {$500.00} and {$14000.00} as it was supposed to be changed and she disconnected the call while I was talking. I called after a few minutes that I found that the credit limit in my XX/XX/XXXXaccount did not change to {$14000.00}, and I was told that the first agent just reduced my credit limit in my XXXX account and did not initiate the credit limit transfer but just the credit limit reduce and she did a mistake. The new agent apologized and connected me to her supervisor but both of them tried to request a credit line increase to fix this situation which did not let them fix it. I was told there is another way to fix this error which occurred due to the BOA agent earlier. This credit limit reduction has significant impact to my credit history and needs to be fixed immediately.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

I have a XXXX card. I already had a balance on the card in XXXX of {$80.00}. I bought a sofa for {$1100.00} that had a 12 months no interest. The billing for that purchase did not start until XXXX, but I had made a payment in XXXX for {$85.00}. I had called and on XX/XX/XXXX for that payment to be applied to the promotional amount not regular purchase amount. They said they would take care of that for me. I made another payment in XXXX and XXXX and asked for those to be applied to the promotional balance. They said they would gladly take car if that. I got my XXXX statement and it showed that I have a XXXX balance on my regular purchase balance and called and asked why they did not do what I had asked them to do and they said that the regular balance was paid off in XXXX and my requests werent able to be processed. Since my purchase was made on XX/XX/XXXX they couldnt bill me for it until XXXX so the promotional couldnt be paid for until it was billed so thats why they couldnt accommodate me. That means I also only have 11 months to pay off the promotional deal instead of 12 because it is considered from the time of purchase. I asked them then why wasnt my payment in XXXX put towards my promotional balance they said it wasnt billed until then and they are unable to change the payments now. So now in order to have the promotional paid off by XX/XX/XXXX I have to add an additional {$30.00} a month because I only have 11 months total to pay it off to begin with and one month was put towards my regular balance instead of where I asked it to be put.
Consumer complaint received 2018-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I called this number today XXXX thinking it was Navient Student loans. A lady named XXXX answered and asked for my information such as name, date of birth, and social. Once she got my information she said I have the wrong number and gave me Navients number and hung up on me. When I called back she would not give me the name of their company and hung up on me again.
Consumer complaint received 2022-03-07
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. (OH)

My name is XXXX XXXX and I have been a victim of Identity Theft and am trying to get my life back. I submitted the proper documentation to all 3 credit bureaus and they have yet respond. By law within 4 business days they should at least block the information while investigating. The bureaus do nothing to protect us the consumers.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On several occasions starting in XX/XX/2018, after settling accounts with several companies, I requested thru certified mailing via U.S. Postal Service that Exquifax, XX/XX/XXXX, and XX/XX/XXXXdelete negative or derogatory remarks and account status on these specific accounts because per Federal codes Sec. 609 ( a ) ( 1 ) ( A ) ; Sec. 611 ( a ) ( 1 ) ( A ) ; and Sec. 611 ( 50 ( A ) " ... promptly DELETE ALL information which can not be verified ''. Several requests for XXXX XXXX XXXX, XXXXXX/XX/XXXX, XXXX XXXX XXXX, and XXXX to validate and/or verify its alleged debt against claimant, which ALL companies failed to do so. Thus, since they have ALL been properly and legally compensated for any debts alleged against claimant on more than one occasion, ALL derogatory and/or negative remarks or statuses regarding previous accounts with claimant MUST per federal law be deleted immediately by ALL credit reporting agencies. Exquifax, XX/XX/XXXX, and XX/XX/XXXX refuse to delete the negative remarks and account statuses which are hurting the claimant and preventing him from the pursuit of peace, happiness, and stablility for him and his family.
Consumer complaint received 2018-08-07
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)

I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in Experian, XXXX and XXXX. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO   score reduction.
Consumer complaint received 2018-05-19
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: Total Card, Inc. (TX)

I have recently begun the journey of monitoring my credit in efforts to better the life of me and my family. As a single mother my credit and my finances are very important to me. I noticed an account with a company called XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. This company is reporting an unpaid credit account through a collection called Total Card , Inc . I have never heard of either of these companies nor have I received any of their services. Unfortunately, this is a fraudulent credit card obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never requested their services. I have contacted this company on several occasions and have been blatantly IGNORED AND I AM DISGUSTED. I have mailed documents to several of their addresses I could locate, and instead my investigation of this fraudulent account has been closed. HOW? I sent on XX/XX/XXXX certified letter with return receipt the following : Notarized Identity Theft Affidavit/ Fraud Account Statement, Police Report, Proof of my address from the time the fraudulent account was opened and a Notice To Furnishers ( FCRA ). However, this company Total Card Inc closed my investigation. EVEN AFTER THEY SIGNED FOR MY DOCUMENTS onXX/XX/XXXX. WHY???? Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. I have attached all related documents to this complaint as proof. Delete this account immediately or legal action will be taken.
Consumer complaint received 2022-06-20
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)

Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I need help with a dispute that I submitted on XX/XX/2022 with XXXX, XXXX, and Experian. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I need help with a dispute that I submitted on XX/XX/2022 with XXXX, Equifax, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.
Consumer complaint received 2022-06-20
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. (PA)

Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I sent a dispute to XXXX and Transunion about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on my report.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc. (OH)

this company has financed a vacuum for me but financed the wrong amount. the XXXX I purchased was {$1600.00}. The amount they have on my account is over {$2000.00}. I don't want the vacuum and I want them to stop trying to make me pay for something at the wrong amount
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: InDebted Corporation (CA)

Attempted to contact Indebted Debt Collection multiple times to discuss repayment or settlement of debt. Called XX/XX/XXXX and left voicemail requesting a callback. Called XX/XX/XXXX and spoke with a representative from the complaint department. They advised there was someone in the office who could contact me about the account and that they would reach out. Called XX/XX/XXXX and left an additional voicemail requesting contact.
Consumer complaint received 2018-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I just want to dispute these three HARD INQUIRIES Hard Inquiries : 1- XXXX XXXX., XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2- XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3- XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am looking at my credit score and i am seeing a few things wrong with this information. XXXX i have a name on there that is not mine. The spelling is different which leads me to believe that someone is stealing my identity. Second there are credit cards on there that do not belong to me. I have never owned a credit card. I would like this information reviewed. The credit card i noticed right off hand was kohls credit card. I have never shopped at this store. Please let me know how this can be handled.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (OK)

Im not sure of the dates the note I entered in my phone was in XXXX at least 45 days after I made them aware the same night after using my card at XXXX numerous transactions were attempted for to much and then lower amounts on XXXX for almost {$300.00} to empty out my One Vanilla card. When I called them they turned it off so I cant look at anything online anymore. I was told several times to call back at a later date. Tonight was informed they sent me a dispute packet in my email ( Never received in spam or inbox ) that I have to fill out a form when I was already told that they shut off all the transactions were still pending when I notified them. Please help
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One has been bouncing me around between payment plans. I have been offered so many that when I think I have agreed to one they change it and I end up on something I can not pay and did not agree to. When I call capital one they swear I only been offered XXXX plans. Which is not true. They deny all phone conversations I 've had about this. They only reference chat. One they applied to the wrong account and I was blamed for it. 

See attached information for the XXXX different options I was given in less than 20 minutes apart.
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC (CA)

I got a loan from DuveraXXXX XXXX, I paid for some months an later I was unable to continue making payments on my account because the payment service or website was not working, after 30 days they sent the account to collections even when was not fault that their payment processing service was down and can't accept payments. 
I still being calling this company thru different numbers but all those phone numbers XXXX, XXXX, XXXX, XXXX, but any of those phone numbers works. 
Since they sent to collections my account by mistake, this hurt my credit score, and just because this company does not take phone calls I can't pay them of negotiate them. 
Also I being looking their website like https : //duvera.com/index.htm and XXXX XXXX XXXX I disputed the account thru the credit bureau agencies because I never had the opportunity to pay this account, also this account was charge off just after 30 days late payment and I was because they do not allow me to make payments. For some reason the credit bureau investigation resulted as " verified '' How they verified if nobody answers the phone??
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (SC)

I attempted to send {$370.00} to a friend at work who arranges sympathy bouquets and meals for bereaved co-workers. 

The following is the email I received from PayPal : Dear XXXX XXXX, As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. 

In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. 

To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$370.00} for, " Benevolence fund. '' Please provide the following information : An explanation of the reference to " Benevolence fund. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. 

To provide this information, you can go to the Resolution Center. To  access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email XXXX. 

We thank you for your prompt attention to this matter. We apologize for any inconvenience. 

Sincerely, XXXX PayPal Compliance Department 2020 PayPal XXXX Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 


I am unaware that any financial institution or company is allowed to ask for this amount of detailed and frankly personal information for a money transfer of this small an amount. Do we live in former XXXX XXXX or XXXX XXXX? I would ask that you contact PayPal and investigate this practice XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX