davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

My complaint against PayPal Inc. is such a very doable action as far as I am concerned. This was just not given attention regardless of the numerous contacts, emails and calls done. PayPal, has put a permanent limitation to my account XX/XX/XXXX when it has unwithdrawn funds yet amouting to more or less XXXX XXXX. I received an email last XX/XX/XXXX stating that my money is now eligible for withdrawal. Now, its XX/XX/XXXX and I havent gotten the chance to enjoy my own money because it is not in my own hands that lies the ability to adjust the limitations set on my account which one of those it to withdraw money from my account which up to know shows under the restricted actions that I am not allowed to perform which then hinders me as well to add a bank account a XX/XX/XXXX card and is denied to me several times by supervisors on their Limitations Team stating that their front end agents are LIARS because they informed almost everyone about adjustments done when an account is limited and withdrawal needs to be done. Well, what can I say? I know their limitations Team may not exceed a number of adjustments per day or their metrics are gon na be suffering.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

OnXX/XX/XXXX2017 I went to the Transunion website to lift a credit freeze I had on my credit report. A few years ago I had gotten free credit monitoring from them because of a credit card breach that I had been involved in. I put a freeze on my credit report at that time. I needed to lift the freeze because I was refinancing my home equity line of credit. When I got to the website I could not figure out how to lift the freeze on my account. I was able to login, but every link I clicked on ended up in a request to sign up for their credit monitoring service for {$19.00}. My free service had long since expired and I do not want to sign up for their service for a fee. I finally gave up and had to call their customer service number to get help. They use a call center in XXXX. I have many times talked to people who work at call centers in XXXX and I have always been able to understand them. This time I could not. I finally had to ask for a supervisor because I could not understand the young lady. The supervisor was not much better, but I believe the credit freeze has been lifted. We 'll see. My complaint is that I think it is wrong for them to make it so difficult for you to access your account and lift the credit freeze online. Every link I clicked on ended in a request to sign up for their credit monitoring service for a fee. This is wrong! Please go after them and make them stop this!
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I did my best during covid to hang on. But due to my livelihood being taken away I could not continue. So XXXX months ago I was offered a forbearance. When I spoke to my bank they allowed me to continue until XXXX months ago they demanded all the money. I explained to them that I could not make payments. Yet they still refused and told me I must come up with the full amount. In violation of the CARES ACT they have now begun to try to take my home away. I deserve to be treated fairly and the solution is to put this amount at the end of the loan so I can continue to make my payments.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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
Consumer complaint received 2023-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my XXXX XXXX has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXX hidden XXXX XXXX XXXX XXXX XXXXXXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made XXXX.
Consumer complaint received 2021-12-01
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX COL XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CT)

Hello, I reported three fraudulent Transactions to Chase on XX/XX/year>, totaling over XXXX in unauthorized charges. Chase flagged the three charges as fraudulent, closed the account/ card, and issued a new credit card. Today ( XX/XX/XXXX ), I noticed that the exact three charges had reappeared on my credit card as a valid charge, so I contacted Chase immediately to let them know that the same fraudulent activity had appeared on my account and locked my account as well. 

They informed me that someone in the recovery department had deemed the charges to be valid, which is why they were appearing on my account. They deemed the charges valid because they were made within 20 miles of my home, which is incorrect. 2 of the 3 fraudulent charges came from a merchant in XXXX, CO, and I live in Connecticut. Chase was very little help in trying to get the dispute resolved and noted that their fraud recovery department would contact me in 14 business days. I asked to be transferred to a supervisor and the customer service agent said that no one was available. I am extremely frustrated with Chase Bank and the way in which they handled a customer who has been with them for over 15 years. I should not be held responsible for unauthorized charges, nor should I have to spend several days on the phone with Chase, trying to prove that they were unauthorized. If Chase had done their due diligence, they would have quickly confirmed that I have never purchased any products from the three merchants who put through fraudulent activity on my credit card. Thank you for your assistance in this matter.
Consumer complaint received 2023-02-10
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

INFORMATION ON MY BANK : Bank of America XXXX XXXX XXXX Florida XXXX Via Facsimile : XXXX Re : Bank of America Auto Loan Account Request for Correction of Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a Bank of America Auto-pay glitch that I had no control over. This one missed 30-day payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED : Bank of America chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the Office of the Comptroller of Currency who directed me to CFPB.

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that Bank of America does NOT do, I'm asking because it shouldn't be there to begin with, this is Bank of America 's mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.
Consumer complaint received 2023-03-21
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. (FL)

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 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 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, have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ), # XXXX XXXX XXXX, # XXXX XXXX XXXX ( Original Creditor : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-21
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: LEXISNEXIS (FL)

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 


The Bankruptcy Court has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies. and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. District Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 


My request to the U. S. District Courts confirmed LexisNexis has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer. and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2019-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX I made a debit card transaction at XXXX 'XXXX  with my chase business debit card. I realized that it would cause my account to be overrated so I went to my wifes bank and withdrew {$100.00} cash. I then went to my local chase atm to deposit it. The cut off time in my city, XXXX XXXX, is XXXX and it was close to 8. I made the deposit and the atm sit back one of the {$20.00} Bill 's. Then after I reinserted it, chose my receipt option the atm saidfinalizing deposit for at least 30 seconds, then spit out my receipt which showed a positive balance of {$19.00}. Today, XX/XX/XXXX at XXXX I checked my account on the app. I saw 3 overdraft charges of {$34.00} each, and my cash deposit showing as pending. Looking closer the albertsons charge was charged an overdraft fee as well as a auto payment transaction of {$7.00} ( which they charged an overdraft fee on and another auto payment of {$23.00} ( which also incurred an overdraft fee ) so.i.called the business account service number and spoke to a representative who said my deposit was at XXXX and that deposits have to be before XXXX. I tried to argue that there was a delay in the atm finalizing and that they have always said previously 'by 8 ' which in my opinion XXXX is 'by 8 ' Unfortunately the rep talked over me and seemed to have a language barrier in u uderstanding whati was saying. I asked for her to waive the fees and she refused. I asked why the 2 charges that were posted after XXXX were not subject to the XXXX cutoff and was told the merchant finalized so the funds were removed ... which really dudnt answer my question. After that call I called and asked for a supervisor. He was of little help. He stood by the 'before 8 ' cut off, didnt care that the atm had paused significantl, said that my cash deposit, that was still showing as pending over 24 hours after it was made, was made after the cutoff so it was a Saturday transaction and Saturday is a non business day.. yet usingthat logic the 2 transaction that were not posted to my account at XXXX when my deposit was made had posted an funded eventhough they should be considered Saturday transactions also in my opinion. He kept saying they were transactions from XX/XX/XXXX ... but the fact remains they were not posted until mb after the cutoff and that the first fee caused both of those transactions to incur overdraft fees ... so my argument is that it is bit right to use the cutoff to charge me a fee then that fee causes 2 transactions that weren't posted by the cutoff to both incur fees. The supervisor was rude and did finally credit {$68.00} of the {$100.00} back to my account ... but I really feel that the full amount should have been credited. My receipt for the deposit shows a positive balance and they say that deposit was made after the cutoff so.it makes no sense to me how his all transpired.
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I made my first couple payments with my savings account. They were accepted with no problem. 

When I tried to make my next payment it said accepted. Then it was returned. So I tried again and it was returned again. This brought my XXXX credit limit over by XXXX. 

I called to make sure my account would not be closed due to the overlimit and returned fee and I was reassured everything was fine. 

A day later my account was closed due to returned payments. I do not feel this was fair. I made all my payments on time and was never told I could not use my savings account. I would like my account reinstated. Thank you
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC (CT)

I was reviewing my credit reports from the 3 CBs and found that I have a hard inquiry on my credit report from Continental Finance Company from XX/XX/19. I never requested credit from this company on or near this date. 

I called XXXX and spoke with the fraud department who told me that I need to call the creditor from the inquiry to obtain a letter before they can delete the inquiry even though I told them that this particular inquiry was fraudulent. 

I called the creditor at the number listed on the hard inquiry on my report on XX/XX/19 & XX/XX/19 and stated that I needed to speak to the fraud department because I never applied for credit with the company and my information was fraudulently used to try and obtain credit. 

Both representatives in the fraud department stated that they could not find an inquiry under my name or social security number. I need a letter from the company in order to get the hard inquiry off of my credit report. They said that they cant find this inquiry even though its clearly on my report. I have included a screenshot of the inquiry from my credit report. 

I have also placed fraud alerts on my credit reports with XXXX, XXXX and XXXX  so that creditors must call me to verify my identity prior to extending and offer of credit.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (MI)

I am writing this due to non-compliance with the CRA XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. Company Name : US DEPT OF ED/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX Dates : XX/XX/2019. I sent dispute letter out disputing the inaccurate information and XXXX claimed it was accurate.
Consumer complaint received 2020-12-22
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)

The unverified XXXX XXXX XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. I have never sign any contract with XXXX XXXX XXXX XXXX and you have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to a low score causing a lot of emotional stress to my family and I. 
I demand the above account be removed immediately.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc. (TX)

They keep reporting to the credit bureau but I do not owe that amount that is shown its over XXXX, my names are also incorrect on my credit report. Multiple closed accounts that need to be removed off of my credit report