davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I have sent this complaint to the XXXX, credit bureaus who Im currently suing as well as the CFPB in which I never got a response. This account needs to be deleted from my credit reports immediately because its in violation of the FCRA. I dont need to hear how removing accounts is an FCRA violation. Whats a violation is how the credit bureaus are verifying inaccurate information & how Navy Federal is continuing to report inaccurate & derogatory information on my credit report to try & blackball me from ever getting access to higher limit credit funding.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (IA)

I called and closed my Indigo credit card account last XXXX shortly after I paid the annual fee for 2021. This year they are trying to charge me the fee again and have reported me to the credit bureaus as being 90 days late. How can I be 90 days late on an account that was closed a year ago? 

I dont know my account number due ro the fact the account has been closed for a year and I destroyed the card when the account was closed. All I can get is the first XXXX digits from my credit report.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I'm aware that that these two transactions is fraudulent [ XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions were unauthorized by my card and someone has obtained my personal information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any or ATM withdrawals on my account. Around the time or on this day I was incarcerated ( imprisonment ) So I am not liable. I'm requesting a charge back of my funds.
Consumer complaint received 2022-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

In response to initial complaint with this company on XX/XX/XXXX, XXXX XXXX XXXX stated : " We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We found no records supporting your allegations of misconduct, including, without limitation, that XXXX used deceptive practices. We have no record of a request or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account. In response to those disputes, we sent you the attached letter containing validating documentation from the original account. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' This is not true. I have as evidence two return receipts from the post office where I sent request for validation from Portfolio Recovery Associates. Those receipts were signed by someone in their office. This goes to show that Portfolio Recovery Associates is not an ethical company, as they would falsely state that they have no record of a request or dispute being received in relation to their initial notification letter. 
Also, the letter that I previously listed from Portfolio Recovery Associates states that they letter that they sent was in response to the account listed above. 
Also, the original letter that they sent did not state that I had 30 days to dispute the account.
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (GA)

I have received invoice from CONVERGENT debit collections thru XXXX XXXX. Amount is XXXX. I did spoke to XXXX customer service about transferring my number to XXXX wireless and that's time i did ask for my last payment and they said u don't have any payment if i canceled my service on certain Dates and that's what i did, so where this bill comming from.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MA)

Paypal claimed to being holding my funds for 180 days even after I submitted the proper paperwork they did not release all of my funds. It was over {$25000.00} they gave me back a little over XXXX back.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2021-11-11
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: SELECT PORTFOLIO SERVICING, INC. (MD)

this account with XXXX was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how XXXX is showing i was 180 days late and 150 late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (MD)

this account with XXXX was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how XXXX is showing i was 180 days late and 150 late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I submitted the Compliance Challenge for metro 2 to experian as you'll see in the below pdf. 

They never responded to the letter of challenge for the negative items and its now XX/XX/XXXX ( OVER 56 days ) VIOLATION # 1 they  fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ). 
Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( 1 ) They never removed the accounts after being shown the inaccuracies with there reporting from the below either. 

VIOLATION # 2 Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy. 
Defamation, willful injury FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 
Extent of damages incurred by the wronged party, as deemed by the courts. 


These are VIOLATIONS and they HAVE TO PAY NOW. I've attached the images of the disputes that were initiated in the time frame. They never even initiated a dispute and they never even responded. They also never removed any of the information after being sent the proof of inaccuracies.
Consumer complaint received 2022-07-23
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. (MI)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They didnt correctly rpond to my dispute, they told me to the items were verified. I asked them to send me their method of verification. They still didnt send me no proof and are contributing to illegally report information on my credit report.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amscot Corporation (FL)

I got a new phone number and as soon as it became active, I started receiving debt collection calls for the previous owner of the phone number named " XXXX '' for AMSCOT, a pay day loan company. I immediately told them on the first call that person is not tied to this number and I only got the new number activated in late XX/XX/XXXX, and would they please take this number out of the database. I have received multiple calls total and I can't seem to get them to remove my number from their collection database, and I told them I was going to file a complaint for repeated calls. 

Here is a list from the call log- they've been told repeatedly to stop calling and instead they continue to call 2-3 times a day. 

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
Consumer complaint received 2023-03-02
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: ALLIANT CREDIT UNION (FL)

Submitted a timely dispute to XXXX XXXX the vendor that handles billing disputes for Alliant. Specifically, it is for a charge dated XX/XX/22, XXXX, {$480.00}. The merchant provided a faulty light fixture that is buzzing. The merchant was notified, the merchant has not rectified the issue. Also, I had to pay an electrician money out of my pocket to install a faulty light fixture. Significant supporting documentation has been attached to justify my billing dispute chargeback.
Consumer complaint received 2022-03-03
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. (MD)

I am requesting all credit reporting agencies immediately remove from their information my 2001 XXXX XXXX XXXX XXXX from their files. Most states remove their records that type of information after 10 years. In VA it is 20 years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and XXXX and I want both removed. That would resolve the issue.
Consumer complaint received 2022-07-23
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. (TX)

Experian : you stated that the collection was up dated I see it was not again account number incomplete, open date does not match payment history, past due still reported that is by default and can not be reported like that enclosed are the documents you stated was correct and validated { so I request where you got the false information that you stated was validated } incomplete inaccurate reporting { fix it or remove it from my credit report making false statements to the CFPB in a violation reporting false information
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I have been receiving call from Citi Bank claiming my XXXX XXXX account is part due. I have received at last count XXXX calls. They always leave messages stating that my account is past due and to call then immediately. I did answer XXXX call and told them their information was incorrect and they hung up as I was speaking. I have blocked numbers XXXX ( XXXX and XXXX ). The calls have continued. I did contact XXXX XXXX and they said my card had been compromised and they canceled that card and are issuing me a new card. 
I don't know how to stop this.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Ive been a faithful Chase Bank customer for over 20 years. I opened my first checking account with Chase ( formerly XXXX XXXX ) at the age of XXXX XXXX XXXX now. On XX/XX/2022 I decided to go to the bank and make a withdrawal and was advised that my account was closed. I was also told that all funds in my checking account would be frozen for 90 days. I have gotten multiple conflicting reasons from the branch and over the phone as to why my account was closed. The bank has been unable to give me a clear answer as to why my account was closed. I spoke to a supervisor by the name of XXXX who said the bank is unable to provide a reason and was transferred to 4 different departments ; each placing blame on the last. My account was not in the negative whatsoever upon closing. The representatives are being evasive and not providing clear answers. I have a family to feed, I have to pay my mortgage, I have to drive to work and live in a already tough economic environment. I can not survive for 90 days without access to all the money I have saved. Im reaching out to the CFPB for assistance in this matter as Ive made multiple visits to l resolve this issue in person and over the phone with no results. Thank you in advance for any assistance you can provide.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND THE STATE FARM BANK ACCOUNT WAS OPEEND FRAUDULENTLY WITHOUT MY CONSENT, I HAVE BEEN SCREEMING XXXX  XXXX FOR SO LONG I AM JUST TIRED OF THIS UNFAIR APPROACH TO CONSUMRS, THIS IS JUST RIDICULUS THIS ACCOUNT IS FRAUDULENT THE CHARGES ARE FRAUDULENT.
Consumer complaint received 2022-07-23
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. (MI)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I was served with court documents last year. I believe it was around XXXX of 2020. I was asked to respond by a certain date in which I did. When I got to City Hall, I was asked to write a respond and in the response I documented I was a victim of fraud. Midland Funding is the plaintiff. I did not hear anything else for over a year and was sent a not from an attorneys office saying my salary will be garnished for payment. The amount is {$1100.00}. After I said Im a victim of fraud and I have no idea where that account came from, theyre garnishing my check every two weeks in the amount of {$510.00}.
Consumer complaint received 2020-07-27
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$25000.00}
Consumer complaint received 2020-07-30
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. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 2024-05-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (AL)

I bought an item off XXXX via Paypal and opted for a XXXX payment installment. The item didn't work well so I returned it. I called Paypal- simply just to see how the refund would be handled since I had made XXXX payments and had XXXX outstanding payments. Huge Mistake!! The XXXX that answered the phone told me the ONLY thing to do was file a payment dispute. I argued against that, but he was adamant that was the only way to get the issue handled. Fast forward HOURS later and I'm still dealing with this nightmare and no end in sight. 
When the XXXX  paypal guy started the unwanted payment dispute that STOPPED XXXX from issuing my refund. My refund has now been canceled by XXXX because of that XXXX from paypal who opened the payment dispute. 
The cherry on top - then I get an email from paypal that they have denied the payment dispute. So now I have NO WAY of getting my money back and each company has XXXX  for customer service. 
XXXX says talk to paypal, paypal says talk to XXXX. 
Paypal will not call me back.
Consumer complaint received 2022-07-23
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: CITIBANK, N.A. (OH)

My had a balance way above what I am for sure that I had charged to it, Some of the charges were not visible till the end of the month when I received my statement so I was unable to dispute it at that time. Then when I received the statement I went to dispute any remaining charges that they would not allow me to previously, It has been going on almost 4 months since I have done this, They have not removed any of the charges from the account, They keep closing and reopening the case over and over again, And they keep having their debt collectors call me to ask to make a minimum payment when I am not legally obligated to do so because any charges open on that account aside from two that make up less than XXXX XXXX of the balance, In addition they have caused my credit score to take almost XXXX XXXX points due to the fradulent charges