davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK (FL)

During the pandemic the company would change the term of the product that they were offering every three months after promising to keep the consumer at the new term that was offered. XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after reaching out them on numerous time. After reaching out to them on XX/XX/XXXX to request a final assistance they stated that they only had one product for my situation. I ask ok tell me now about it. I was told that the Product would renew my loan term and time and any and all fund that was paid will not apply to the new term and my payment would decrease by XXXX $ to XXXX $ and it would add 5 years to the loan. I ask to see the full loan term I was told by the representative that I would have to agree to the term first before I could see the full break down. I expressed my concerns about that and that i would like to read over the documents he stated that he could not do so and that was the only option available. I told him I can not take that offer unless I have something to read in writing then the call was disconnected. I received a letter from Discover acknowledging they received my Request for a long term but was unable to enroll due to : You voluntarily declined to enroll. dated XX/XX/XXXX. I have the recording of that conversation.
Consumer complaint received 2022-10-13
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 Reporting act they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX MUNICIPAL XXXXXXXX XXXX  Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-30
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: LEXISNEXIS (NJ)

I recently pulled my credit and noticed a XXXX reporting. When I filed the bankruptcy my lawyer told me the courts don't report. I called the court to verify and they confirmed they do not report bankruptcy information because it is illegal to do so. I want to know how this company is able to report this information without my permission
Consumer complaint received 2021-11-12
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: Experian Information Solutions Inc. (CA)

I was added as an authorized user on two XXXX accounts in XX/XX/XXXX. I was removed from both accounts in XX/XX/XXXX. On Experian website it states that closed authorized users accounts could be removed from the credit report by contacting the credit bureau. Therefore I filed disputes with Experian. However, after several phone calls and three disputes, nothing change. My closed authorized user accounts sill show up on my credit report. Here is the official website stating relevant information from Experian : XXXX XXXX XXXXXXXX XXXX XXXX I do not understand the fact that Experian does not follow their own company rules and ignore all my dispute request.
Consumer complaint received 2021-10-30
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. (NJ)

I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX  days and I have not heard back about the things I'm disputing and I want those things removed NOW
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I 've had a Bank of America credit card account opened for the past three years, with an available line of XXXX dollars. Now recently, I 've had financial hardship. Hardships including Foreclosure on my parent 's home ( I still live at home since I 'm a full time college student ), an immediate family member in the hospital, and myself having to pay out of pocket for tuition. So overall, what had happened was I fell behind on my credit cards. I 've made arrangements on every single one, assuring I would n't be charged off. Out of the XXXX I have, Bank of America was the only one that essentially mislead me. I called on XXXX XXXX, telling them I was going to pay off my past due balance in full on XXXX XXXX. Their response? " No problem! I 'll make note on your account ''. So I figure that 's a good thing, right? Next thing I know, it 's XXXX XXXX and I ca n't log into my credit card account. I called the branch thinking it was just a technical issue, and they told me I was charged off the very next day? When I had arrangements? I told the representative that I had documented arrangements, and she told me she could see them. However it was n't " the right department '' that filed these arrangements, therefore could still give them the authority to charge me off. That 's just bad customer service, and if the wrong department made these arrangements, why give them the authority to look up my credit card information and essentially give me misleading assistance? I 'm very upset. I 'm XXXX years old, and now I have a charge off on my account ( that they refuse to reverse, since it 's 'out of their hands ' ). I need a solution to this, because I feel as if this was completely wrong. I ca n't say if this is illegal or not, I 'm not that aware of credit card laws. But this is n't right - XXXX person telling me what I did is sufficient to get my credit card back on track, and then the next day someone telling me rudely that I was n't responsive. Yes I was - I called the branch. That 's responsive.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (IL)

In accordance with the Fair Credit Reporting Act displaying the address, XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL 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.
Consumer complaint received 2021-10-30
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. (NJ)

I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX days and I have not heard back about the things I'm disputing and I want those things removed NOW
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX****-Balance {$7300.00} XXXXBalance {$0.00} XXXX XXXXBalance {$3300.00} XXXXBalance {$37.00}
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION (FL)

Hello my name is XXXX XXXX and I am disputing inaccurate information found on my report for the following errors, there is an error showing me with a criminal history with a previous arrest record. I have never experienced this situation and also I am a victim of stolen identity.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, To my knowledge the bill to Walmart Pay, which was managed by XXXX XXXX, was payed in the full amount of just about {$350.00}. According to the lady of capital one, which is the bank managing those accounts now, they didn't receive the payment and were not notified of non-payment till XXXX. I did not know about this till XX/XX/XXXX when I was going to apply for a loan on a travel trailer.. As soon as my bank notified me, I called XXXX XXXX  to fix this problem and payed {$450.00} dollars and closed my account.
Consumer complaint received 2022-05-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A. (TX)

I want to complain about this bank " PNC BANK , NATIONAL ASSOCIATION. '' I will attached letters that I received from this bank. I have an account with this bank. 
I open a checking account with this bank. Before they were called BBVA COMPASS BANK. 
I closed my checking account with this bank early this year XXXX 
When I closed my account I went to the employee were they do everyday transaction not to those employees where they work at cubicles. 
When I closed my account I was given my remaining money. I forgot how much but it was a cash. After I closed it I gave my unopened letter with my new ATM debit card inside to the teller that closed my account. 
After a couple of months I received a check from the bank in the amount of {$48.00} upon receiving this check I called the bank to asks what is this check for I was told it's my money and I can deposit it to my bank. 
After couple of months when I did deposit the {$48.00} check I received a letter from the bank that I owe the bank money and in this letter its already outstanding and due. After receiving this letter I called the bank and asked how come I owe the bank a money I was told that I have a balance on my line of credit I told them I do not have a line of credit and I asked the person on the phone what is the transaction and when the transaction happens. The person I'm speaking to can not explain to me the transaction they were asking me to pay after this I asked them about my account when I closed my account and how much money they returned to me they said they don't know. 

The documents that I attached here are the check that they issued to me XXXX letters and XXXX letters of line of credit account statements these statements have XXXX pages in it. 
This bank is located at XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-30
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. (NJ)

I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX days and I have not heard back about the things I'm disputing and I want those things removed NOW
Consumer complaint received 2019-07-19
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''
Consumer complaint received 2021-10-30
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. (NV)

I wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX days. It has been almost XXXX days and I'm an in my right to ask for all the items to be taken off
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2021-10-30
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. (NV)

I wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX days. It has been almost XXXX days and I'm an in my right to ask for all the items to be taken off
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I ordered flowers twice from XXXX XXXX  by accident ( " '' out of screen before completing purchase, and both times still went through. ) Price comparing only... both paid via PayPal. I saw the email confirmation they went through ... .canceled both right away. I called XXXX flowers total of 4 times and spoke to a human each time. 
XXXX call XX/XX/22 XXXX pm- '' It is canceled your refund via PayPal XXXX be XXXX days. '' XXXX call XX/XX/22 XXXX am- " yes, it is canceled '' ( I was making sure it was BOTH PURCHASES canceled, the XXXX woman was non-english speaking ). 
XXXX call XX/XX/22 XXXX pm- I got an email the " orders being processed ''. Called again. This representative said " Nothing I can do, call to cancel delivery when you get the delivery email. '' I said " You are scamming me, they won't stop a delivery when it's en-route??? '' He assured that is the next step, and will stop the delivery that way. 
XXXX call XX/XX/22 XXXX am- " They can not stop delivery. '' XXXX order WAS canceled, the other was NOT. 
I did not recieve a refund from XXXX flowers. 
Paypal denied my case when I sent hard copies to customer service of proof of the XXXX phone calls to XXXX flowers. 
I was guaranteed a full refund by XXXX. 
I filed a dispute with PayPal XX/XX/22 for a refund of {$63.00}. Which ultimately they denied saying " The transaction was processed correctly. '' It was a scam. They didn't read my description of the hours I spent talking with XXXX flowers to ensure it was canceled. 
I did not get the {$63.00} I was assured of. PayPal should not stand behind fraud such as this. They should look out better for their customers- when all the information is supplied about the fraud they perpetuate.
Consumer complaint received 2022-10-13
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. (FL)

In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. Systems - Acct # XXXX XXXX XXXX XXXX Acct # XXXX CXXXX XXXX Management - Acct # XXXX XXXX acct XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WF CRD SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-02-27
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: Ad Astra Recovery Services Inc (CA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-10-13
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.