davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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. (NY)

This is what the bureaus are doing as a result of the XXXX breach. Affected XXXX   customers may opt for cash, free monitoring, etc as part of the court approved settlement. I checked my XXXX report and my score and accounts were as expected. XXXX   includes an option to purchase an additional 3 bureau Fico, which I had no reason to select. I then logged into my free XXXX XXXX, etc and my scores were down @ 30 pts each, The only conclusion is the agencies have acted in concert to subsidize the cost of the XXXX breach by posting such drastically inconsistent scores based on the Same underlying information. What say you? I was tempted to spend an additional {$40.00} for XXXX 's additional monitoring. I still am.
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP (AZ)

I had a checking 's account with US bank. I had stopped working around mid year In XX/XX/2018. I had one thing on automatic payments and it was trying to charge on my account. I had called to help fix that because the transaction kept trying to go through multiple times which now the USbank was charging overdraft fees every time it was trying to charge. I called several times to have this fix, they told me they would mail me the paperwork to dispute it so that they can remove the fees and I wouldn't owe anything on my account. Well now it is being reported as account abuse. I never got the paperwork to fix this and pay any balance that was actually something I owed. They have refused to work with me now instead of helping me lower my balance to what was actually paid. With this on my record I am having such a hard time opening an account or buying my dream house for my family.
Consumer complaint received 2019-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE THEY PUT TWO ACCOUNTS ON MY CREDIT REPORT I OPENED ONE AND HAVE NEVER CHARGED ANYTHING THE THEY HAVE ANOTHER ACCOUNT ON MY CREDIT REPORT SAYING I OWE {$300.00} AND SOME DOLLARS THIS IS NOT MINE PLEASE DELETE
Consumer complaint received 2019-01-21
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. (GA)

My identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report XXXX XXXX Police # XXXX ) a copy is attached. 
Please remove this account from my credit file. 
Thank you.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXXXXXX employee made an error by posting a payment on my account that I did not make. Then they reported to the credit bureaus that I had a high balance of {$1200.00}. The credit limit on my card is only {$500.00}. I have never charged anything on this card that is over my credit limit. I called XXXX XXXX XXXXXXXX to fix this problem and they have refused. It is causing me to not get credit and home loan. I called and sent letters to XXXX XXXX  XXXX and to date they have refused to correct their error and report the correct " high balance on this credit card. I am being discriminated against because I am a XXXX woman. XXXX XXXX  XXXX is fully aware of their error and have refused to fix it. 
I wrote them numerous letters stating one of their Customer Service Rep at their call center processed a payment on my account that I never did. They have refused to correct my credit report and take off the high balance they are reporting. I never charged anything on this account to have a high balance of {$1200.00}. I been fighting them for over 2 years to fix this error. They have refused and doing this to keep a false derogatory information on my credit report to prevent me from getting loans and credit. Because I am a XXXX woman. Please stop this discrimination against me and fix my credit report with the correct information. 

Below is what is listed on my Credit files. All three, XXXX, XXXX and Trans Union is reporting this inaccurate high balance : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (AZ)

A person pretending to be from the power company said i was overdue and power would be shut off within the hour on XX/XX/2021. Method for quickest transaction possible was a money app provided by my online banking app. Transaction was completed, power remained on, but no credit to my account. My bank wouldn't even file a report due to the XXXX XXXX method of payment they provided access to from their app.
Consumer complaint received 2022-08-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Portfolio Recovery Associates Account XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2021-08-19
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. (WV)

My monthly payment is due on the XXXX every month, I spoke with a representative and they stated the only +30 day late payment they saw was XX/XX/XXXX which I agreed with. I have noticed multiple 30+ day late postings that XXXX has reported to all three credit agencies including recently, XX/XX/XXXX which was in fact not over 30 days late. I have made an effort even with being affected by COVID-19 pandemic to pay my side-by-side financed through XXXX XXXX before being late every month. The customer service representative said I could dispute the negative late payments, which I did with TransUnion and it did not change anything. This is severely affecting my credit and ability to obtain a mortgage loan. Sincerely, XXXX XXXX.
Consumer complaint received 2022-03-04
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 (FL)

( CAPITAL ONE BANK USA N XXXX XXXX ; CAPITAL ONE BANK USA N XXXX XXXX ; CAPITAL ONE XXXX XXXX ) These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (PA)

Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, saying that these fraudulent inquiries are verified information not only shows that theyve received my identity theft report, but has proves that theyve refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

Therefore Equifax is in violation of my rights as a consumer under the FCRA. Also, they claim that these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint
Consumer complaint received 2023-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC (GA)

Re : Dispute of Inclusion of Certain Information in My Consumer Report - FCRA 1681a Exclusion Dear Sir/Madam, I am writing to dispute the inclusion of specific information in my consumer report, as allowed under the Fair Credit Reporting Act ( FCRA ), Section 1681a, Exclusion ( A ) ( i ). This section of the FCRA stipulates that the term " consumer report '' does not include certain types of information. I believe that the information currently appearing on my credit report falls under this exclusion and should be removed. 

The information in question pertains to transactions or experiences solely between myself and the reporting entity. According to the FCRA, this type of information should not be considered a part of my consumer report unless subject to Section 1681s3 of the FCRA. 

Specifically, I am disputing the following information on my credit report : BestEgg Late Payment Status I maintain that this information is solely related to transactions or experiences between myself and the reporting entity. It should be excluded from my consumer report in accordance with the FCRA 's Section 1681a, Exclusion ( A ) ( i ). 

I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions. Please remove the disputed information from my consumer report or update the disputed information to Paid on time /never late and provide me with a revised copy of my credit report that accurately reflects the exclusion as specified in Section 1681a, Exclusion ( A ) ( i ) of the FCRA XXXX 

I appreciate your attention to this matter and your compliance with the FCRA 's guidelines regarding the exclusion of certain information from consumer reports.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery at XXXX XXXX XXXX. XXXX XXXX, XXXX, Va XXXX has been sending me collection notices in the amount of $ XXXX collection is being reported as past due balance.I have never done any business with this company.This company does not have any contact with my signature.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

Chase bank continues to willfully violate the CARD Act despite my repeated complaints and warnings. 

XXXX XXXX XXXX balances were as follows : Purchases ( 25.25 % interest ) - {$930.00}, XXXX XXXX ( 0 % interest until XX/XX/24 ) - {$1200.00}. In the XXXX statement, there were {$150.00} in additional charges, a payment of {$700.00} and a " redemption credit '' of {$100.00}, meaning there was {$800.00} in total credits during the statement period. Under the CARD Act, my purchase balance should have gone down to {$280.00} and my cash advance balance should have stayed the same, because payments are supposed to apply to higher APR balance first. Instead, the bank appears to be applying my payments in some kind of random fashion. As a result, the XXXX statement shows a cash advance balance of {$760.00} and purchase balance of {$940.00}. This has been going on for several months in a row, and despite my repeated complaints the bank keeps saying they will give me a " one time '' credit for the interest charged but otherwise does not meaningfully engage with the problem. At this point, it is becoming increasingly more likely that this is an intentional scheme to evade the requirements of the CARD Act and their refusal to deal with the issue is a lot more than poor customer service.
Consumer complaint received 2019-01-21
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. (TX)

Someone been using my credit applying for credit and adding accounts to my credit. In XXXX and XXXX I contacted the credit bureaus and tried to resolve this and they won't do it even when I filed the identity theft report.
Consumer complaint received 2019-01-21
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. (FL)

I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my report.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my report.
Consumer complaint received 2019-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal set restrictions to my account that I used to receive payments when selling my used, old items on XXXX. 

I successfully sold and received payments for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. I canceled the sale on XXXX item and refunded the customer because of the restriction imposed to my PayPal account. Consequently, I have remaining balance of {$280.00}. 

I can't withdraw or use the {$280.00} because of the restrictions and I can't work this out with PayPal, because they are asking documents such as a receipt for the XXXX watch and XXXX docking station. They are old items and I no longer have receipts, which I think is reasonable. 

All I want is to close my PayPal account now and have a check mailed to me for the remaining balance of {$280.00}.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

Step 1 : What is this complaint about? 

I received two ECOA letters from " XXXX XXXX XXXX  '' two weeks ago that an application with my name and phone number, stating that my " request for credit was not approved : Unable to verify identity. '' My husband received the same two letters a month ago. 

I have attempted to follow up with the number provided multiple times. I have been told that they will put a message in that a manager will need to call me back. it has been over two weeks for myself and over a month for my husband. I was told on the phone that i was speaking to a representative from XXXX not XXXX 's XXXX XXXX. I have also tried to contact my local Walmart, walmart HQ, and Sams Club with no success. 

We have both already filed police reports but are trying to determine where the fraud took place.
Consumer complaint received 2024-05-08
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: LEXISNEXIS (MI)

LexisNexis continues to report information on me even when I specifically asked them not too. You are a reseller of consumer data information. The problem is you do not have authority or permission. I demand you remove the bankruptcy, any misspellings of my name or address that is incorrect. I did not ask where LexisNexis got the information but specifically to provide me with the evidence that proves I signed off for their service. They can not provide any such information because it does not exist.
Consumer complaint received 2023-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Key 2 Recovery, Inc. (MD)

I received a call from a XXXX a representative from XXXX XXXX acct number XXXX on Wednesday XX/XX/2023 @ XXXX. Upon answering the call, I asked if I could call them back as I was at work in the middle of seeing XXXX. XXXX told me that I had to give her call at XXXX by close of business on XX/XX/2023 and I said okay. I never knew it was a collections call. I tried calling back, left 3 messages and never got a call back. The next thing I get is a collections letter from Key2Recovery Collection Agency acct # XXXX saying that I owe XXXX XXXX {$5000.00}. I immediately called the Collection agency back and informed them that I shouldn't be in collection due to the fact that the loan servicing company XXXX XXXX acct. number XXXX told me that my loan was hold due to the Pandemic and the fact I wasn't working regularly. When speaking to XXXX XXXX she told me she would contact the College and send me all information related. Once I got the information, I called back and was informed that I never had a loan through XXXX XXXX but I had an Account Receivable Account and that is now in Collections and I had to pay it or it will affect my credit. I then got a phone call on my job in which I never gave these people my number and they told my job it was a collections call and they had to speak to me then the call was transferred to me. I immediadely told them I was at work and that it wasn't acceptable for them to call me there and the representative hung up and called my cell phone, but I just said " I'm at work. She then told me that I was refusing to pay and I never said that, I said I should not be in collections and that if I had to pay that I would begin to pay what was agreed upon by myself and XXXX XXXX since I am working now. She said that it is unacceptable and that I had to pay peroid. The said they had no knowledge of payments to launch servicing
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a Amended Complaint XXXX BOA is allowing wire fraud by others taking my XXXX funds BOA is abusing my XXXX rights making me go personally to the bank to make my claims and access my account to stop the wire fraud
Consumer complaint received 2019-01-21
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: ECMC GROUP, INC. (AZ)

ECMC is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( ECMC ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : ECMC obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed ECMC. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. ECMCs agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by ECMC while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. ECMC is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for ECME to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.