davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. 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 2022-10-10
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I have a charge of {$370.00} from XXXX I would like details of this charge as it was during lockdown and cancellation of hotels and flights.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (FL)

There is an account on my credit report that is listed under First Progress, opened on XX/XX/2015 with a balance of {$200.00}. I previously disputed this account and received copies of billing statements as validation of the debt. 

My issue is that I previously contacted this creditor and requested that they close the account and return my security deposit. 

The account closure was not processed by First Progress, which led to the account being charged-off. 

This was completely erroneous on their end as this account should not have been kept open and my deposit should have been returned to me, which I did not received.
Consumer complaint received 2021-04-14
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: CITIBANK, N.A. (NY)

Got numerous calls to lower my credit card from Citibank call center. XXXX. They have harassed me repeatedly. I do not have an account with Citibank. They will not stop calling and have tried to get my personal information. It could be my information was sold to offshore call centers by my own bank or credit accounts, even after I opted out of the do not sell my information. I am being harassed by the same call center.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Here is the letter i sent it to the bank through a lawyer : VIA FACSIMILE AND U.S. MAIL Fax No. : XXXX Capital One Attn. : Card Dispute Team XXXX. XXXX XXXX XXXX. XXXX, MN XXXX Re : XXXX XXXX Transactions Reversal Demand Bank Account No. : XXXX Our File No. : XXXX To Whom It May Concern : Please be advised that we have consulted with XXXX XXXX XXXX regarding his claim on the above referenced account. 

XXXX XXXX has informed us that he received a summary denial from your representative on the disputed transactions listed below. Those transactions were not XXXX XXXX 's as his card was compromised. XXXX XXXX has authorized this law firm to demand that your entity follow the appropriate MasterCard and FDIC guidelines in investigating these disputed transactions. More importantly, XXXX XXXX demands for immediate retroactive credits for these charges. 

XX/XX/2016 - {$37.00} - XXXX XX/XX/2016 - {$190.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$79.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XX/XX/2016 - {$43.00} - XXXX XX/XX/2016 - {$260.00} - XXXX XXXX XXXX XX/XX/2016 - {$100.00} - XXXX XXXX XXXX Unless you dispute the validity of this claim or any portion thereof within ten ( 10 ) days after receiving this notice, the claim will be assumed valid. 
Please be further advised that if your obligation remains in default, without a dispute, further legal action may be taken against you that could result in a judgment, which may include attorney fees and other litigation costs. 

Please notify the undersigned in writing if you so dispute this claim. Otherwise, demand is hereby made that you immediately issue the credit as detailed above. 

Your anticipated cooperation is appreciated. 

Very truly yours, XXXX XXXX XXXX By XXXX XXXX XXXX
Consumer complaint received 2016-02-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX I started the loan modification process. After submitting all the documents we started the process, soon after all the problems surfaced which dragged the process to XXXX XXXX many times I explained the situation to Bank of America either I received no response or a lie that my loan modification was in the process and would be approved once I resubmit needed documentation, Even the { XXXX } manager lied by saying that she is going to be working with me to complete the MODIFICATION not to worry. I was told countless lies. 

Most of my documents were either lost or not processed correctly. Those that were processed had all the wrong income figures. They literally made mistake in their calculations and did not want to accept responsibility. Even when I found knowledgeable individuals to explain their mathematical errors, their response was, " This is what it is, '' and that they were not going to correct them. They dragged the modification process while adding on late fees etc. In another department BOA has started the foreclosure process being that the loan is in default. According to { HAMP } guidelines ... .I qualify for the program
Consumer complaint received 2022-03-15
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. (GA)

Transunion is allowing creditors, who do not have any permissible purpose to report inquiries on my credir report. Transunion failed to protect my privacy and this has caused me all kinds of mental stress due to the fact that my reputation is being slandered. Since Transunion assumed a vital role in my life they have to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please restore my confidence. TransUnion received the letters i sent them to correct the issue on Friday XX/XX/ 2022 2022
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (WI)

Under the XXXX, I was given a debit card from US Bank onto which my XXXX funds would be placed. On XXXX I noticed XXXX dollars transferred out of my card to someones bank. I filed a dispute and US Bank replaced the card and put money back into my account. Then, after using a new card they had sent, I became locked out of it and could not use it or log in. This was around XXXX. I called US bank and they helped me log in. Apparently my email had been changed to an unknown one to me. There was only XXXX cents left in the account. I filled out a dispute form again, and then they denied my claim. 

I then contacted the Officer of the Comptroller of Currency, that responded by letter, saying that I should be getting a reply from US Bank. US bank then sent me a letter stating that my account had been credited {$19000.00}, exactly the right amount that had been stolen. In order to unlock my account, US Bank needed further proof of my identity, which I provided to them on their own website ( sometime in XXXX ). I have no hard copy of it. After still being locked out, I called on XXXX and the representative said that the web form I had filled out did not exist. That same day, I sent an email with all required documents to XXXX, which was another option to prove my identity. I am still locked out and have not received my replacement card. Although I did get another letter explaining how to prove my identity ( dated XXXX ). I hope you can help me access my funds. 

US Bank rep did say that I could access the account, close it, and have a check sent to me so I could place it in a safer spot, in my bank.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX never gave XXXX or TRANSUNION, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The company that is furnishing this information to the credit report agency has failed to validate this account. I submitted a XXXX complaint on XX/XX/XXXX which I will attach showing that XXXX responded stating that the XXXX XXXX failed to reply. The account also states that this is a collection, but there is no collection agency on the account which is another violation. I will also attach the dispute letter sent to the credit bureaus on XX/XX/XXXX which is dated, and time stamped. XXXX has since removed this account. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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: SYNCHRONY FINANCIAL (GA)

XXXX lists a charged off credit card account with SYNC/B Lowes reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and 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 an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from XXXX XX/XX/22 and they have failed to comply with the 15 day limitation.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has a payment system called BillPay. I made a payment on time outside of that system and when I opened the application, BillPay indicated that I had a late payment. I paid again because I was informed I was late and did not want to be late. However, after I made the payment, I believed that my payment was already made and timely and that I did not owe the amount. I called Bank of America who confirmed that I was not late. However, they refused to correct the error and BillPay continued to show that I made a late payment, which was false. Bank of America is now claiming that such false statements about late payments is entirely acceptable because the automated process was simply delayed. Unacceptable.
Consumer complaint received 2022-03-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

On XX/XX/2021 I reviewed my credit reports with all three credit bureaus and noticed a collection from a company by the name of National Credit Systems , Inc . I wrote them a letter on XX/XX/2021 requesting for " Validation '' of the alleged collection. I never received a response. I then wrote another letter dated XX/XX/2021 and sent this letter via Certified Mail. ( see attached proof ) I still recevied no response. I wrote a third ( 3rd ) letter dated XX/XX/2021, mailed via certified ( see attached proof ). I received a simple letter from National Credit Systems Inc dated XX/XX/2021 with no documentation for validation, only a " Identity theft Victim 's Complaint and Affidavit. ' As I reviewed this letter and the attachments sent I notice that they did not have my correct name. 

I then wrote to them again on XX/XX/2021 informing them that what they sent as " validation '' of a debt was insufficent as well as letting them know that the name addressed on the letter was not me ; mailed via Certified Mail. ( see attached proof ) On XX/XX/2021, National Credit Systems , Inc. mailed me the exact same letter as they did on XX/XX/2021 with the same documentation for me to complete. I have never received anything from them " proving '' what they have reported under my name and social security actually belongs to me. I can not identify this debt, who they are and why they feel that I owe them anything.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

In XX/XX/2021, I sold an item on XXXX. I am not a dealer and it was a one-time event. My sister who llved near the buyer handed him the item and he paid me {$80.00} via PayPal. The money showed up in my account right away. When I clicked on the link to accept the funds, I was given 3 options : 1 ) Transfer it to your bank. 2 ) Keep it in Paypal, which involves setting up a PayPal balance account and 3 ) " Get a check by mail instead. '' Not wanting to give PayPal my bank info or set up a balance account, I chose option 3, the check. That gave me 2 more options -- to get it in minutes for a 1.5 % fee or in 1-3 days for no fee. I chose the latter. But when I clicked on that, I was asked to link to a bank account.

Again, I do not want to give PayPal my banking info. They already have my credit card. So
I was stuck with no way to
claim my {$80.00}. I called PayPal in XXXX but the customer service person was unable to help me get a check mailed to me. I called Paypal again today and got the same response. It is not right that PayPal has been holding my money hostage for more than 4 months and there is apparently no way for me to access it without allowing them access to my bank account or setting up a balance account with accompanying fees. I feel robbed. Please help. They should not be allowed to get away with this. 
I have attached screenshots from my PayPal account, some of which I captured in XXXX but I checked and they appear exactly the same today.
Consumer complaint received 2022-10-11
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)

The Credit Reporting Agencies have been doing nothing despite the countless attempts I have done to dispute my Credit File. I have been sending multiple dispute letters as well as CFPB complaints requesting the correction of the disputed accounts from my Credit Report. Under the Fair Credit Reporting Act, the Credit Bureaus are required to verify the validity of the information being reported on my Credit File and provide the consumer documents of verification from the investigation the Credit Bureaus have conducted. However, even though the Credit Bureaus did allegedly verified the disputed accounts, the Credit Bureaus failed to send me copies of the results of their investigation. The Credit Bureaus have also been ignoring my Dispute letters and have failed to properly respond. I am now submitting this CFPB complaint today to inform the Credit Bureaus that if they do not abide by my request for the next 15 days and fail to correct the disputed accounts, I will be filing a lawsuit. It has been a long time sine I started disputing my Credit File and yet you have been indifference. Once again, I am requesting you to please correct the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (NE)

First off, I was 100 % unaware of owing medical bills. Given that I have XXXX which pays all of my costs, I do n't understand how this is possible. The only reason I am even aware of being sent to collections is because it showed up on my credit report on XXXX XXXX which I monitor weekly. There was no written validation of debt, no phone calls, nothing. Just all of a sudden, I 'm sent into collections and it was reported to XXXX. The company is Syndicated Office Systems. Due to them not contacting me, I am can not be sure this is even a real company or if my debt is real.
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc. (WI)

The dispute is with the collection agency Payliance. Original creditor name XXXX XXXX XXXX. Date assigned-XX/XX/XXXX original amount owed- {$28.00} Amount now- {$40.00} as of XX/XX/XXXX. Status on my credit report is UNPAID. Account Designator Code-INDIVIDUAL ACCOUNT. Creditor Classification-Retail. Comments listed in my credit report, Returned Check.

The second account disputed is with the same company. Date assigned-XX/XX/XXXX. Original amount owed- {$36.00}. Amount- {$40.00}. Status date same as above as well as account Status-UNPAID. Account Designator Code same as first account and so is the Creditor Classification. Comments also the same- Returned Check.

I have tried contacting these people a couple years back and explained that these accounts are not mine. They are the result of my ex-boyfriend 's. I also filed a dispute through XXXX  regarding the accounts, and for about a year and a half these accounts disappeared off my credit report. Now for the last year about, they have returned to my credit report only on my XXXX  in the Derogatory section. They are not listed on my XXXX  anywhere. I do not know what else to do. I was told by someone at Payliance that this would be removed and the matter was resolved. Which it appeared for a short time that it was. I do not know how else to handle this. I understand that the accounts are in total only {$80.00}. I have been told I should just pay them and get it over with. But I feel like I am admitting that I have done something wrong. I have had other delinquent accounts in my ex-boyfriend 's name somehow end up on my credit report. This was with XXXX XXXX XXXX for a utility bill for his home in his name and some how it ended up on my credit report as a delinquent account. I filled a dispute and within 6 months those two accounts were removed and have never reappeared. I hope someone can help me resolve this issue once and for all. Thank you
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

capital one XXXX credit card that was restricted # XXXX since XXXX i had a balance of over {$5000.00}. i have been making payments to this card for over 5 years. i dont remember the entire account #. on XXXX XXXX i had a new balance of {$1500.00} and paid in full. online was how i made my payment. and the options were, pay minimum, pay other, or pay in full so that's the option i choose. then on XX/XX/XXXX interest was added on {$22.00}. i called spoke to collections agent and they were not able to remove charges since I paid in full. the agent kept insisting that if i was going to make a final payment i should have called to get my new balance that would have been the balance i paid plus additional interest of XXXX that interest was added on XX/XX/XXXX. but i made payment on the XXXX before my actual due date of XXXX of every month. they claim that the balance on the statement was not the correct balance and would hold me responsible for making an additional payment of interest. they told me that interest is calculated daily. the statement did not have that information if i was making a final payment. they insist and i have called. in XXXX and XXXX i called to explain how they can add on interest after i did pay in full. they say its not pay in full it's pay new balance. this card was restricted their were no other transactions, cash advances or purchases. 
i hope this can be resolved i would appreciate it. The balance should be in full without any more interest added. 

thank you XXXX XXXX XX/XX/2023 i also had a XXXX  card that i paid in full and was charged interest after the final payment and when i called the agent was able to remove that interest.