davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MD)

I had XXXX credit cards with this bank. Both accounts have been charged off. Upon checking my credit report, I've noticed that my consumer rights have been violated. I contacted the bank directly in writing asking that 1 ) the balance be corrected to {$0.00} to comply with the FCRA to which no response was provided. The account debt was charged off in XX/XX/XXXX, as such not further reporting should be initiated per the FCRA and IRS 1099c guidelines. I also contacted the bank and requested the 1099c form to comply with the IRS requirements as the company will receive a tax write off for the bad debt and per the 1099c guidelines event code 7, the debt is deemed uncollectable as of the charge off date of XX/XX/XXXX. The bank is actively and intentionally violating my consumer rights by continuing to report the account as Charged Off each month for the last 12 months after the charge off date of XX/XX/XXXX, which is inaccurate, thus reaging the account impacting my overall credit file and score. I have disputed this account with the major credit reporting agencies only to have the debt returned as verified, which based on consumer credit law is inaccurate. Additionally, the account is being reported as having a past due balance which is legally impossible per the FCRA. A charged off account can not have a balance due or past due balance.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Chime Financial Inc (NJ)

They ruined my life, I was told Friday XX/XX/XXXX Id be issued provisional credit for the XXXX in dispute claims from unauthorized charges and not only did they tell me I would get my money on Friday the XXXX of XXXX and I have a screenshot to prove it. These jerks actually email me on XXXX the XXXX saying your dispute has been closed and we determined no error has occured and how could that be when XXXX the XXXX they issued me {$50.00} from XXXX of the merchants and there were still more pending transactions from that same merchant they determined only {$50.00} was unauthorized? It makes no sense theres no logic applied and I have been ruined because they led me to believe I was getting my money back and then XXXX  the XXXX they want to act like they actually investigated in that short amount of time and concluded XXXX day before they were supposed to refund me? You better hold these people accountable or I will they XXXX XXXX I feel like XXXX and so should the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-30
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 (CA)

On XX/XX/19 I got online to pay my Kohl charge card and saw that I was past due I called Kohls spoke to a supervisor initials XXXX who informed me I had cancelled two payments. I told her I never cancelled any payments she stated I had to reach out to my bank and get that rectified.and If I paid {$110.00} I would be caught up. I paid the {$110.00} and then on XX/XX/XXXX I see my account is past due {$150.00} I said what is going on. I called Kohls again spoke to XXXX ID # XXXX who told me the call didn't have to be monitored because account was due for XXXX and XXXX. to send the letter to XXXX XXXX  XXXX XXXX Wisconsin but they would not be able to take 30 days off because it was valid. I was given false information I have never been 30 days late and now this has affected my credit.
Consumer complaint received 2022-04-10
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. (VA)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX TX opened XX/XX/2018 for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

I recently received a XXXX loan and had it deposited into my PayPal account. XXXX PayPal decides as soon as my XXXX draw deposits into my PayPal account PayPal locks my account and is withholding my funds for XXXX  days. This loan has a time limit to be spent unless u will have to repay the loan which I expected to be XXXX percent forgiven. PayPal will give me no explanation as to why my account was closed and why hold my funds. If anyone would take the time and actually look into my account they would see there are no more transaction people would want refunds beings thats why they are holding the funds.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I request for wrong spelled names and inaccurate addresses to be removed for my credit. I never heard a response back. I sent a follow up letter via certified mail on XX/XX/2023 and have yet to hear back or see miss spelling of name in correct address even last XXXX of social inaccurate removed. I would like to know when this can be fixed I even tried calling and unable to get through
Consumer complaint received 2021-05-14
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. (SC)

I belive there was some dispute during XXXX divorce that equifax is not forgiving for some reason and they have'nt been given me an explaination for it.
Consumer complaint received 2022-09-28
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. (MD)

I submitted my initial request to Equifax to remove XXXX XXXX  '' an account I did not open, from my credit report on XX/XX/2022. I received a copy of my credit report ( approximately 45 days later ) in which Equifax started, " WE VERIFIED THIS ITEM BELONGS TO YOU. '' I responded by asking for documentation used to make this determination and Equifax did not respond. I tried to get information numerous times without success so I filed a complaint with the XXXX XXXX XXXX on XX/XX/2022. Equifax responded by stating they were investigating and would provide a response once the Company replied. This in itself was a problem since Equifax had already sent me a response in XXXX stating, " WE VERIFIED THIS ITEM BELONGS TO YOU. '' On XX/XX/2022, I submitted another request to Equifax to remove two more accounts that had been placed on my account that I did not open, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also included XXXX XXXX XXXX again with a reminder that I had not received any documentation to substantiate this was my account. I have spent numerous hours trying to get these issues corrected and my credit score has dropped numerous times, with the most significant change being a XXXX point drop. I have incurred damages and am seeking immediate corrections to my credit report and monetary compensation. I can provide documentation as evidence to substantiate my position.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd. (PA)

XX/XX/XXXX I was contacted by Thomas George Associates LTD., in regards to a claim stemming from XXXX XXXX XXXX for {$2500.00}. for a loss claim of a accident that occurred on XX/XX/XXXX via letter dated XX/XX/XXXX. I called TGA on XX/XX/XXXX and spoke with an agent, to gather validating information for this claim. I was told that the vehicle involved was a XXXX XXXX XXXX that I was driving. I explained to the agent that I have never owned or driven said vehicle and I was not the individual they were looking for. I believe this possible case of identity theft as I have a common name and this is not a valid claim against me as I have been sheltering in place during this pandemic. I was contacted in XXXX and I did not respond as this is not a valid claim against me. I received a second communication on XX/XX/XXXX, from XXXX XXXX, Attorney, for further collection of amount due. I called directly on the date received and after being on hold for a period of time I disconnected the call and lodged this complaint regarding this collection action on non-valid debt and claim.
Consumer complaint received 2022-09-27
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. (SC)

XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (TN)

I paid a merchant {$990.00} via PayPal Credit on XX/XX/XXXX for a year long series of coaching sessions. On XX/XX/XXXX, the merchant refused to continue providing those services as agreed. I have a written email chain to show this. I disputed the charge witXXXX XXXX XXXX and they have closed my case XXXX WITHOUT even asking me for the supporting documentation. Simply because they say the merchant has a no refund policy. But this is not a refund. This is a refusal to deliver the services I paid for. 

The merchant kept showing up to our sessions unprepared and when I told her the unpreparedness was affecting the effectiveness of the sessions, instead of improving, she chose to discontinue delivering the sessions I had already paid for.
Consumer complaint received 2018-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

I have been sued and summons to court by XXXX XXXX XXXX XXXX. They tell me that they need money from me but cant explain how they got my loan. I took a loan out with XXXX bank for XXXX XXXX in XXXX. These people does not and has not showed how they got my loan. I went to court judge ask have you ever went to college I said yes he said well the debts valid. Ok if its valid can we prove how these people have rights to collect? And why hasnt chase sent me something? And why did it take nearly 8 yrs before these people came about? The judge did not want to hear any of my questions nor did he want these people to explain to me. I am up to XXXX XXXX plus at of 2 yrs ago it was XXXX XXXX how on earth did this happen? And how is it logical? And okay to do people this way? .the documents they showed the judges was my name on a list of I'm assuming it's my name with hundreds of others name. And they said this is how we own your loan and all these others. XXXX XXXX XXXX XXXX XXXX is definitely trying to cause me to go homeless and my children ripped from my arms because I do not have the necessary funds to take care of my children when having to be asked to pay XXXX month. Who are these people and why is this happening to me? I went to court in XXXX for this loan and here I am facing garnishments bank levies after things have been taken I'm notified. I've had tax intercept. I am so confused and need help to beat this case once and for all. I know these people are scams I know they are trying to XXXX the life out of me. I am trying to be a successful member of society. And if ever two yrs I'm tracked on nearly 10 grand to the balance. This means it will never end. I dont have this type of money. XXXX is suppose to sue or someone should show me where it was sold to this company with rights to ownership. I need help. Bad for this case.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Amscot Corporation (FL)

I went into Amscot Financial Services to cash an personal check. I was surprised they do not have restrooms for customer. And they are open 24 hours I spoke with XXXX supervisor on duty at amscot XXXX  location she said to call corporate at an XXXX number. I then proceeded to cash an personal check. And a teller at the window ask me a line of questions. If this is an payroll check, Do you work for that person, what is the phone number for the person who wrote the check. I said it is not my information to give out. He did not cash the check.i called the corporate office and spoke with XXXX who is the supervisor on duty .I addressed the restroom issue.and she looked up the reason why the check was not cashed she said because of contact information no phone number. I said her contact is her mailing address on the top right of the check. That was not satisfactory for Amscot in result i did not get the check cashed, also XXXX said XXXX XXXX XXXX did not have restrooms for costumer. which is not true. Completely unprofessional. And uncalled for.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
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. (SC)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX XXXX Balance : {$190.00}
Consumer complaint received 2022-04-10
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. (MD)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2021-05-14
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 previously notified Experian that I am a victim of identity theft. They're response was that I didn't give authorization, which i did because I checked off the box that asked me. so again ... I give authorization to Experian to look into this claim on my behalf
Consumer complaint received 2022-09-27
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX 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 XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-09-27
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX *XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681. 

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

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

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-09-27
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX *XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681. 

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

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

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.