davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed my fraud identity dispute with the FTC report, notarized affidavit and a police report and Transunion and XXXX are still reporting information from the result of fraud. Their response to my previous complaint states they are still working on it ; however, the FCRA 605B ( 15 U.S.C. 1681c-2 states the information should be blocked within 4 days. As you can see, this investigation has taken over a year and I keep getting the same response this account is verified. Well Transunion and Experian are in violation at this point and they wont even send me the documents or details that they have to keep verifying these fraudulent accounts. I feel like my disputes are being handled by a machine and they are not following the rules which prevents me from having a fair investigation. I demand proof and to have the accounts listed in the dispute blocked immediately, all 3 bureaus have had much more than 4 days to block this information and finish their investigation. I followed the rules and so should they or there will be a lawsuit filed if I receive the same response again.
Consumer complaint received 2022-03-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-01-21
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-03-28
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (TX)

I reached out to Comenity BankXXXX on a charge off which means this payment was already settled. I called to settle the account and ask for a deletion letter and they agreed to give me a deletion letter if i paid the balance in full and they only sent me a paid off letter. I would like for them to remove this off as they agreed to do over the phone.
Consumer complaint received 2022-03-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Mr Cooper is PURPOSLEY misleading. They haven't addressed anything since my original complaints in XXXX. They provide no new evidence to support that they are losing documents, how documents are stored when asked directly, retrieval specific itemized of documents when requested, when asking the clarification of their own 3-5 business days for modification it has never been answered the last fifteen or so complaints MR cooper and its employees have attacked my character when after years lies i send a one vulgar disrespectful email when i have sent hundred of emails begging for explanations, to speak with a representative that will help only to be ignored so when one complains to the governing agencies and nothing is done and the company that is the perpetrator doesn't admit wrong doing and continues harm the consumer with its shady tactics. im afforded protections through the FTC AND FCC for phone calls MR cooper sends the same letter almost verbatim they sent last year and its considered a response but the threshold of the consumer is so great that it has to be a class action matter in order for justice to be done. i provided the same exact documents almost exactly at the same time with the PENNSYLVANIA HOMEOWNER ASSITANCE FUND who will pay XXXX allegedly .. Not once have i gotten a call or anything so this government agency must be as absentee as mr cooper is... NOOOO its that my documents were and are valid and MR cooper PURPOSULEY didn't take anything i provided into consideration... I also filed a attorney general complaint because of the CFPB ineptness to help and OBUDSMAN inability to respond timely and help and all they did was say they are only respond cause i basically have been harrassing them and they keep showing that one email BUT CANT PROVIDE THE HUDNREDS WHEN I BEGGED FOR HELP this the most shadiest company from everyone in customer relations escalations chief compliance officer modification SPOC etc its all the same they cover up and live in the courtroom
Consumer complaint received 2022-01-21
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 (CA)

Company closed account and marked restricted I have had ZERO issues with capital one of any other credit card in my life. 

My bank account attached was compromised of which they were advised and I informed I prefer debit Pmt but it was not enabled so they would typically take through phone or certified. 

My account info May have been attached to old phone otherwise no issues at all they advised they were reopening for weeks then they said they couldnt reopen but they were removing restriction mind and still not done Mind you Ive been laying like clockwork all along since this time Ive paid in full the other not much further to go This is absurd one supervisor says oh youre blacklisted but thats weird you have good history otherwise this shouldnt be the case let me get you to fraud i get to fraud we have no idea why you were transferred to us there are no issues and we dont do blacklists? Well a 2 sec XXXX search and multiple supervisors say otherwise. 

I read horror stories of people ripping them off and simply filing bankruptcy and getting approved for thousands thereafter but my under {$900.00} account that is pays timely is restricted and I am blacklisted mind you I have an auto through you never an issue either and substantially more per month
Consumer complaint received 2021-08-28
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. (OH)

As of XX/XX/2021 and XX/XX/XXXX Transunion report for all Credit bureaus reported all credit card balances of XXXX, XXXX XXXX, XXXX XXXX, XXXX was XXXX balance. 

However, today XX/XX/2021 I received an alert from transunion that showed all credit cards ofXXXX XXXX, XXXX, and XXXX XXXX showed old balance information from XX/XX/2021 and XX/XX/2021 but this only happen on Transunion. My balances of all credit cards mentioned are still at XXXX balances that still remain on XXXX and XXXX. How can it change back to the XX/XX/XXXX, information for all credits cards? This brought my score down 98 point going from XXXX to XXXX I had applied to but a house and get a car today which has prevented me from purchases a car and getting approved. The is against my legal rights with Fair Credit Act
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. 
I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them and I have heard nothing from them since. 
I am well within my rights as a federally protected consumer and Discover is violating my consumer rights under Title 15 Chapter 41
Consumer complaint received 2022-01-21
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. (TX)

The loan with XXXX XXXX XXXX was included in a chapter XXXX bankruptcy. In XXXX BK was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that XXXX XXXX XXXX had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called XXXX XXXX XXXX, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX point decrease in my XXXX and a XXXX point in my Transunion. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

i received a discover credit card that replaces my old one.

I'm not sure if this is a problem, the new one doesn't have the hologram on the back of the card. My old one does. This is a red flag for me because all of my credit cards have holograms on the back. And all of my moms and friends cards have holograms. I called discover and even used the chat function on discover website and I wasn't given a definitive answer. Stuff like some cards don't have the hologram on the back. I'm not sure why they would get rid of a feature like this that helps consumers identify fake cards. I am not sure what to do. Looks like my old card except for the hologram and new security code. There is no information on the discover website that helps me with pictures of a card, or information on holograms. I'm not sure what to do.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I got {$10.00} direct deposit from XXXX XXXX which paid me {$200.00} promotion so that can be seen as employer direct deposit meeting employment direct deposit requirements I got a XXXX deposit, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX cent, XXXX deposit deposit, so I should get Chase XXXX direct deposit you offered Please give me the XXXX deposit Chase promised Chase is doing source of income discrimination Privacy violated-Privacy Act of 1974-Chase using bank accounts to keep track of employers and paychecks Bundling violation of monopoly law-give bank accounts and direct deposit requirement thank you very much, XXXX XXXX XXXX BA, BS XXXX AA XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MO)

My account was closed on XX/XX/2019, when according to 15 usc 1602 this is an open end credit plan, and an open end credit plans can't be closed by anyone except the person who originated the credit. I am the original creditor. I sent them documents as they state they have received them. In the documents they received an affidavit, invoice, and cease and desist which can all be found attached. Pursuant to 12 CFR 1102.33 " ( b ) Requirements of Rebuttal ; effect of failure to deny. A Rebuttal filed under this section shall specifically admit, deny or state that the party does not have sufficient information to admit or deny each statement in the Notice of Intention. A statement of lack of information shall have the effect of a denial. Any statement not denied shall be deemed to be admitted. When a party intends to deny only a part or a qualification of a statement, the party shall admit so much of it as is true and shall deny only the remainder. '' In the attached response letter they stated " We are reporting your account accurately. '' This is false due to 15 usc 1666b which states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ... ... '' They have marked my payments as late more than once, which proof can be found on the attached documents. They stated on the document " Were unwilling to reopen your account. '' They don't have the right or power to tell me they aren't reopening my account because they didn't have the right or power to close it according to what was stated above. Which means by them stating and reporting it to my credit file thats a violation of it. They then proceeded to state " Were unwilling to remove the account from your credit report. '' I never gave them written permission to report anything on my credit report. This is in fact a violation as well. They lastly stated, " Weve verified were reporting the account correctly to the credit reporting agencies, as required by law. '' This is also in fact no true because who did they call or interview to " verify ''.
Consumer complaint received 2021-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc. (CA)

This company appears on my XXXX XXXX XXXX credit report, I have reached out to this company numerous of times asking for validation and orginal documents stating ThatnI owe their company any debt, they have failed to summit any documents that say I owe them this debt, also other collection agencies are collecting on this same debt, so I need documents from the original creditor that this company is allowed to collect on this same debt that shows up on my report from other collection agencies
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (FL)

It is now close to 6 months and XXXX XXXX XXXX is still incorrectly reporting an account. The account was at a XXXX balance since XXXX. Yet until this past week it was reporting a small balance. In addition and more important, the misreported 2 late payments ( 1 is NOT even valid ). There was a legitimate late payment in XX/XX/XXXX and an incorrect one reported in XX/XX/XXXX. When Experian showed an updated report this am, it now show a XXXX balance late payments in XX/XX/XXXX and XX/XX/XXXX. This is IMPOSSIBLE!! Please finally correct my report. The only late payment should be XX/XX/XXXX. NOT XXXX!! Thank you
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX purchased was made for {$3200.00} ( promotional date to avoid interest was XX/XX/XXXX ) and on XX/XX/XXXX purchased for {$1100.00} ( promotional date to avoid interest XX/XX/XXXX ) Both of the balance were made in full but still getting being charged interest for {$3200.00} stating they never received the payment which is not true and I have proof via their email system. I still paid the left promotional balance but their customer will not help. In fact I have paid more {$580.00} than what I actually owed.
Consumer complaint received 2022-01-21
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc (MT)

On XXXX/XXXX/XXXX I made first contact with PayPay Credit in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX for collections and they could provide no further info and that I 'd have to contact them ( XXXX ). I then made contact with XXXX the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for XXXX. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from XXXX verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB XXXX XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized PayPal credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either PayPal Credit ( XXXX Bank ) nor XXXX in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, XXXX appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with PayPal Credit following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the XXXX website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX Code XXXX - Unfair practices, Sections, XXXX & XXXX ). Again I will reiterate, I have not received any communication from XXXX let alone PayPal Credit in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/2021 there was a fraudulent transaction from XXXX on my apple credit card. I filed a police report and sent them all of the necessary documents. Including a copy of the fraudulent charge. A copy of my statements, a copy of the police report and any additional evidence that I was able to obtain.. this was sent to them on XX/XX/2021 and XX/XX/2021. 3 days after the fraud occurred.. I havent heard anything back from Apple Card services until today. Where they are asking me to resend my evidence.. TWO MONTHS AFTER THE THE FRAUD OCCURED AND 2 months after I already sent them ALLL of the necessary evidence. Apple card services is not handling my dispute properly. They also advised me that they released {$500.00} credit to my card however its on hold.. so they are holding my available credit and not allowing me to spend it.
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.