davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I made a purchase from PayPal on X/XX/17 for {$100.00} with my credit card. The item received was not as described. Later in XXXX 2017, I disputed the charge through the credit card and received provisional credit. I then received a questionnaire from the card company dated X/XX/17. I filled out questionnaire and returned with documentation of emails and text messages between myself and seller to card company via certified mail number XXXX. On X/XX/17, I was rebilled the charge to my credit card. I contacted paypal to see if I could submit a dispute with them. I was ultimately told no ; however, through my inquiry process I was informed that my credit card company disputed the charge with paypal using the reason " item not delivered ''. My credit card company received proof of delivery from merchant and subsequently rebilled me. I did not dispute that the item was delivered, my dispute was that it was not as described. I informed the card company of this when I initially made the complaint, and in the questionnaire sent via certified mail. I disputed the charge again on X/XX/17 with the credit card, yet I did not receive a provisional credit. This dispute has not been resolved since X/2017 and has thus far been processed erroneously. Merchant represented in XX/XX/XXXX text message that he could work with files. I paid, only to receive unusable files. It was only on XX/XX/XXXX, after I paid, that merchant said he could not be sure by email. Yet he clearly represented he could work with files before payment.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following account has been paid on time with no history of late payments : XXXX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Federal law requires that Transunion provide mechanisms to ensure that each item on my credit report is reported accurately. The above item is inaccurate, misleading, or incomplete ; They may have violated federal law. 

I have enclosed copies of the good standing letter as proof of on time payment history with no history late wit XXXX/XXXX XXXX  XXXX. This is proof that Transunion has an inaccuracy on my credit report, therefore I demand that they update this account immediately, & all references on my records. In light of the provided document I expect Transunion to correct this inaccuracy immediately. I would also like a re-score and an updated credit report showing the correct information and my true credit score.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received a call from XXXX and a robot left a VM stating that it was from XXXX in the under writing department from Capitol One. I do not have any credit cards, I never have and I have never made enquiries for one.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX there was an unauthorized withdrawal of {$2000.00} from my checking account ( Wells Fargo Bank ) I called the bank as soon as I found out. Customer service rep. told me to file a claim with the police department which I did right away. 
Bank was also investigating my claim but never provide me with any updates. I been told that the transaction was made using my card and PIN. 
I had my card in my possession at all times and did not give my info to anyone. 
Bank never provide me with a video or any other proof who withdrew the money. Therefore, Wells Fargo Bank refusing to return my money without providing any additional info to me. 
I opened 2 claims and had the same answer. I would like to have your help to investigate this matter.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC (TX)

Purchased item on XXXX using XXXX XXXX  in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with XXXX as " they would help ''. Only option at XXXX was to file a claim. Claim erroneously denied with XXXX stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get XXXX to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from XXXX so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. XXXX never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse XXXX for their outlay to the merchant, as soon as I receive the item as advertised.
Consumer complaint received 2019-10-03
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. (FL)

I received information from XXXX that my information was breached. In viewing the credit report, there have been 20 inquires that was not authorized and two accounts open. I have filed a a report with XXXX  and attached is the report with claim number. 

False Inquiries were : XXXX ( 2 times ), XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ( 3 times ), XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. 

Accounts Opened : XXXX and XXXX
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In early XX/XX/XXXX, I added a bankamerica deal to my account that was spend {$15.00} or more two times on you card and receive {$75.00} cash back at XXXX XXXX XXXX. On XX/XX/XXXX, I spent {$21.00} on order XXXX and also {$21.00} on order XXXX. I waited the 90 days it stated it could take to receive the cash back. After 90 days I called BoA and they said I should receive the funds very soon. It has now been almost 180 days and I have not received the cash back.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I already send all the proof to XXXX  and 800 loanmart about all the wrong information that they have on my report, I dispute this with proof and XXXX complete the dispute with out any change on this account, when I called XXXX, said that they didn't change this information because 800 loanmart said that this account still open, How a credit bureau can said that after all the proof that I send, the account can still open like they said, but why they have this account with 2 years without data report it from loanmart? I need this issue to be fix or I will open a case with a lawyer, NO credit bureau can have inaccurate information by law. I hope to have a respond a soon as possible.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am a natural person and I am a living human being I have rights under 15 USC 1683. Those right are continually being violated by Transunion. With transunion being governed by 15 USC & in accordance to the fair credit report act my rights have been violated not only numerous times but continually after direct disputes have been made on my part against transunion directly. I demand all accounts as well as misleading, incorrect & falsified items of information be deleted immediately. These incorrect addresses, miss spelled names as well as accounts that should have been deleted a long time ago are having a negative effect on my credit score & has tremendously interfered with the accuracy of interest rates that have been applied & or given to me. The accounts, collections & inaccurate information that I demand be deleted & removed from my transunion credit report/ score are listed bellow. 
Collections : XXXX XXXX XXXX $ ( collections ) XXXX XXXX XXXX XXXX $ ( collections ) Student loans : Deptmnt of EdXXXX XXXX XXXX all money 's & multiple accounts ) Incorrect information : Addresses. 
Inaccurate spelling of name ( s ). 
Laws & right violated Also 15 USC 1681 sec. 602 ( a ) states I have the right to privacy.

15 USC 1681 sec. 604 states a consumer reporting agency can not furnish an account with out written consent 15 USC 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person in knows or has reasonable cause to believes that the information is incorrect.

Above is Transunions reasonable cause to believe the information is incorrect
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

Some one from my PNC business checking account initiated ACH transaction for XXXX for six days and transferred more than {$30000.00} from my business account. 

Company who took out the money : XXXX XXXX  XXXX XXXX XXXX named some company originated these translations. 

On XX/XX/XXXX -- - {$5000.00} On XX/XX/XXXX -- {$5000.00} on XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} Total : {$30000.00} was taken out from our PNC Bank account without our permission. When ACH transaction initiated we weren't aware and there was no permission given to the company PNC bank even didn't care to check the permission or never called us to get permission to authorize these transactions. 

When we checked our statement on XX/XX/XXXX thats when we came to know about these Fraud Transactions. We notify bank immediately and their answer was in order to stop these transactions we need to notify them in 24 hours and they can give money as ACH if the person knows our account number and routing number. Bank 's response was very casual and said all they can do is submit this to their fraud prevention department and nothing else they can do about our money getting back. We weren't even offered for temporary funds in order to operate our account.
Consumer complaint received 2023-01-12
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: JPMORGAN CHASE & CO. (CA)

Under the Federal CARES Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureaus. According to law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief.

JPMC allowed my account an " accommodation '' by waiving late fees and accrued interest on my account for the months my account was reported XXXX and XXXX days late. 

on XX/XX/23, I disputed the negative reporting information by JPMC citing the Federal CARES Act. 

JPMC did not update my information per the law I cited that I obtained from the XXXX website detailing the Federal CARES ACT.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (WI)

I received a pre-approved auto loan from XXXX XXXX XXXX XXXX in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RENASANT CORPORATION (MS)

Renasant Bank denied my dispute in which a company that I advised in XXXX to stop withdrawing from my bank account. A XXXX payment was withdrawn. Renasant Bank denied my dispute because payments to this company had been made previously. That DOES NOT mean that they have the right to continue to withdraw from my account if I revoked access to my bank account. had to pay {$36.00} to file a stop payment on this account to keep XXXX out of my account majukg unauthorized withdrawals.
Consumer complaint received 2022-08-27
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

I opened a discover secured card. They took the money out of my account next day they said my funds will be held until IRS form is signed. Would not be a big deal if they made you aware of this before they take your money. I should have been notified before they took the money because i never would have agreed to such a thing. I feel like this is bad business and needs to be changed these companies must tell us about the irs forms up front.
Consumer complaint received 2018-04-15
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX BANK # 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 AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I purchased the vehicle through XXXX XXXX XXXX and the loan was financed through Bank of America XXXX of XXXX. My first payment was in XXXX of XXXX, ( account number XXXX ) and I made my payments by calling in each months since I purchased the car. They would send me emails confirmation so I was happy with that. I became lackadaisical and did not check that I was receiving the confirmation of all payments not knowing this repossession would happen to me. So XXXX XXXX I woke up getting to leave for work when I noticed my car was nowhere in sight. I immediately called the police to report that my car was stolen as I was unaware that Bank of America repossessed my vehicle. I later found out by the police detective that the car was repossessed. I immediately call the bank because I did not receive a call or notice to repossess or even a letter stating my account was delinquent. I call the Bank to inquire what was going on. I was first told that I was behind by {$2700.00} I immediately said to the representative I will pay it right away and try to figure out where this discrepancies is coming from as I have been making my payments over the phone with a live representative each month. The representative then said you have to pay {$30000.00} if you want to get the car back. I was upset as she would reinstate the loan or attempt to work with me. To this day I dont know where the car is to retrieve my personal belongings. I have been calling other banks to try to refinance the balance but no success as each bank are stating that the balance is 185 % more than what the car is worth. The car is a XXXX XXXX XXXX with XXXX miles. I have contacted my bank to get a record of all my payments as well as requested a payment history from Bank of America. The information has not arrived yet. Bank of America told me that they plan on selling my car by XX/XX/XXXX. I truly hope and pray that your organization may assist me in this matter. Also I am currently in bankruptcy. My name is XXXX XXXX and I can be reached at XXXX or XXXX
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (FL)

In XXXX, I missed a payment to First Progress and just gave up on paying, due to life issues. I got a call from a debt collector in XXXX asking for the payment. I paid the payment, thinking it would go toward the debt. It didnt. First Progress continues to open and close my account every month or so. I paid the {$60.00} through XXXX to First Progress on XX/XX/XXXX. At the time, my account still showed open. They are now trying to say that the {$60.00} has been written off, despite my account being now being open and despite them having accepted my {$60.00} yet again. I have now paid them {$120.00} and am still showing {$60.00} behind.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On or about XXXX XXXX EXPERIAN received a letter from me in which I asked for verification of alleged accounts on my credit report. EXPERIAN has refused to respond as I now demand the accounts in question be removed from the credit report of XXXX XXXX or provide the method of verification used to list these accounts on the credit report of XXXX XXXX. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. In compliance with this method of investigation provide the following : 1.name, address, and telephone number of each person contacted regarding each alleged account. 2. A copy of any documents provided bearing my signature, showing that I have a legally binding contract or that positively identifies XXXX XXXX ( such as public records showing full ss # of XXXX XXXX with signature ) as person responsible for or obligated to alleged accounts and public records. 
Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2019-07-28
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. (IL)

I AM A VICTIM OF ID THEFT BASED ON PERSONAL INFORMATION BEING COMPROMISED BY THE 2017 XXXX DATA BREACH. I HAVE ENCLOSED A FTC REPORT/POLICE REPORT AND OTHER IDENTIFYING INFORMATION SO THAT YOU CAN BLOCK THE ITEM LISTED ON MY FTC REPORTS.
Consumer complaint received 2019-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IL)

I have already paid off the bill, that has Been placed on my credit file, it has been removed by my other credit files for some reason they are saying that it is current, it is not current I have contacted the provider and they do not show me owing this amount because I have satisfied the amount in full. This is not correct and every time I contact the collection agency they say they will remove it has not been done, something needs to be done. I have my receipt of payment and so does the provider involved, this needs to be addressed and removed off of my credit file.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

I used XXXX multiple times to dispute the {$160.00} collections showed by AFFIRM because I had paid it off with the third party debt collector they sold it to named XXXX XXXX. I called AFFIRM and was told by an agent that I had not made any payments and that I should reach out to XXXX XXXX. I called XXXX XXXX and they said they reported it to AFFIRM in XX/XX/2023. I reached out to AFFIRM multiple times requesting a supervisor to reach out to me and even emailed the letter sent by XXXX XXXX acknowledging I made a final payment of {$160.00}. AFFIRM has continued to ignore me and inaccurately put on my credit report that I owe {$160.00} that I have already paid.
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (IN)

My vehicle was reposed in 2019 United auto credit contacted me and I set up a payment plan with them XXXX dollars biweekly when covid hit I was unemployed noticed them they asked if I had anyone who could still pay for me, they had no empathy for the pandemic they constantly called me emailed me, was threatening to garnish my wages they threw the derogatory mark on my credit report after I told them to give me a few months I will get back on the plan, they said they couldn't wait they needed payments monthly they caused my score to drop so low I wasn't able to get anything so not only was I unemployed but I was going through the pandemic and united auto credit was still harassing me and every now and then I still get calls while trying to do everything possible to rebuild my credit to get back on track, I have purchased XXXX cars since then but I would like that tooken off my credit can someone help me.