davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This account was paid in full and reported to XXXX  XXXX that any additional charges were fraudulent due to identity theft with XXXX and XXXX  XXXX XXXX, they refused to close the account and sold debt to 3rd party collection agency Portfolio Recovery Associates, this company refuses to provide the proof I owe the debt and continue to make threatening phone calls at all hours. I am in the process of filing a lawsuit against both Portfolio Recovery Associates and XXXX XXXX if this false debt is not removed. Also I do not go by XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : FSTPROGRESSXXXX-Balance $ XXXX-Date Opened : XX/XX/2018 FSTPROGRESSXXXXBalance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXX-Date Opened : XX/XX/2018
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (AZ)

I tried to use XXXX to transfer money to an acquaintance of mine who submitted a " Send money request '' through Paypal. Somehow when I tried to make a payment, the site has redirected me to XXXX, a Paypal 's affiliate. I never even created a XXXX account in first place. 

XXXX 's website showed that this transaction can not be completed. I contacted XXXX and they said that I violated their User Agreement and that I can appeal the decision. 
I sent an email to XXXX telling them that I would like to appeal this decision but without letting me know what happened and allowing me to explain the situation, they permanently closed my account because one of my recipients has violated their User Agreement. 

If this is their policy, then they need to make sure that if someone has violated their User Agreement, then senders need to be informed about that so they do not inadvertently violate the User Agreement. 

I feel like that I did not do anything wrong. If somebody violated their User Agreement, why does XXXX hold me accountable for something I was not aware of? It was not my choice to knowingly violate their User Agreement. 
I want a more detailed explanation from XXXX. 

Here is their email : Dear XXXX XXXX, Customers may not use XXXX service in violation of XXXX User Agreement or applicable laws, rules or regulations. It is a violation of XXXX User Agreement to use the service for any of the following activities, including but not limited to : sexually-oriented materials or services ; gambling activities ; or commercial transactions that involve tobacco, firearms, prescription drugs, or other controlled substances. 



Additionally, sending money to a recipient who has violated the User Agreement will affect your ability to use XXXX. Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your XXXX account XXXX 



Our complete User Agreement is available for review on our website. 



Thank you. 



XXXX Customer Compliance Team Thank you! 

Thank you.
Consumer complaint received 2022-08-29
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: PNC Bank N.A. (TX)

Last year in XX/XX/XXXX to XX/XX/XXXX there were fraudulent charges done on my credit card. The total was spend {$11000.00}. At that time the bank was XXXX. Once I noticed my card was stolen and called all of the charges that were done on my account I called them to investigate. XXXX told me they will look into it and let me know. I kept calling them every other week and did not hear anything back. In around XX/XX/XXXX PNC took over XXXX and they told me I needed to speak to the Fraud Dept. with PNC. They told me at the time they will look into my case. I kept calling every month to check and they could never update me. I finally was able to get in contact with a representative in XX/XX/XXXX that took action and he was able to place my account in front of the investigator manager. They promised me I would hear back in 30 days. After almost 30 days passed I noticed on my account all of the charges were taken off in XX/XX/XXXX and I had XXXX balance in XX/XX/XXXX. I assumed that they had fixed everything. In the beginning of XXXX I can my credit reports. It showed I owe {$10000.00}. I was shocked as everything was removed and updated. I also noticed there are late fees reported on my account. I started calling PNC Fraud Dept. every week and they could not give me an answer to why I have a balance on the fraudulent charges from last year XX/XX/XXXX to XX/XX/XXXX and why there was a late fee showing on my credit. I have yet to get a response regarding those fraudulent charges on my credit card that I did not do. The late fee is also still showing my my account. I need to know why they will not help me and remove charges I did not do.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AK)

Card limit went from {$7000.00} to {$4000.00}. This caused my credit utilization to drastically increase! Citibank says it was from change in debts and credit score. There has been a decrease in debts and increase in credit score. I called Citibank and got no where with fixing the  issue. I was forced to pay my balance in full to avoid any negative impact to my credit. 
The only explanation is Citibank used a false explanation to decrease my credit limit to purposefully attempt to get extra money from a customer via causing fees, higher interest rates and fees, and over limit fees. Thankfully, I was able to pay in full, others likely cant.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

The complaint is against Comenity Bank, now known, renamed as XXXX XXXX. I have a XXXX & XXXX account under Comenity Bank. 

I have had the account since -- XXXX -- XXXX. The issue that I am having is that they have refused to send me a statement via US mail or online. I have been denied access to my online account. The account number has changed, etc. I have called tirelessly regarding access to the account... but to no avail. I no longer have the account number, Thet have refused to give me the account number Funds are being extracted from my account monthly. I no longer have any idea as to how much is owed along with any associated fees and interest. Each time that I have actually communicated with anyone I am passed on from representative to representative. All promises of sending a statement or to links accessing email have become null and void. 

*Note, when i spoke with a representative I was informed that my XXXX & XXXX account would be cancelled upon completion of payment. I have no idea as to what is owed and can not rely on verbal representatives lack of information.
Consumer complaint received 2022-08-29
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. (LA)

In accordance with the fair credit Reporting act XXXX Account with late payments, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
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: BARCLAYS BANK DELAWARE (IA)

Weve had a Barclays choice privileges card since XXXX. We spent the required amount to receive our points. We are not getting any points in spite of spending and paying off monthly balance. We have spent hours on the phone trying to get our points with no success. Weve been passed from person to person without results. Weve been cheated out of XXXX XXXX points.
Consumer complaint received 2022-08-29
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. (CT)

XXXX XXXX Credit Card. 
Transaction Date : XX/XX/2022 Transaction Amount : {$68.00} I have submitted to make payment on XX/XX/2022 and I thought it was successful. I did not receive any email communication if the transaction was not successful. 

XXXX Month : Interest with late fees. 
XXXX Month : Interest with late fees. 

I have not received the emails to my Inbox, XXXX email notifications go to my scam email box. Interestingly. their advertisement emails are being received in Inbox though. 

In between, I have not received any mail communication. On XXXX month, I received the last mail where I called the XXXX XXXX. They waived month interest and late fees and we agreed to pay {$96.00} and close the account. 

When I paid {$96.00} for a transaction of {$68.00}, it is fraud that they have impacted my credit report. There is a XXXX point drop in my credit report reported by Trans Union. 

Thank you.
Consumer complaint received 2022-08-29
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, 2017 all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

I closed the account and they billed me the annual fee anyway, then put it into collections. It is only {$50.00} and I could pay if I owed them the fee. They assume I dont have any money. 
I have called five times to confirm that I requested an account closing and they keep hanging up on me after I speak to one person then get transferred.
Consumer complaint received 2022-02-24
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. (CA)

I feel puzzled right now coz I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Transunion has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts and public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts and public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this accounts and public records blocked/removed from my credit file per FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.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 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.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 2022-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

In accordance with the fair credit reporting act Convergent  Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604 A Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (VA)

XXXX XXXX in XXXX and XXXX the bill belongs to my adult son does bill not belong to me. I am the insurance carrier for my family. services received XX/XX/XXXX not my debt placed on my credit file {$330.00}. I contatced my insurance com, pany they provided a letter the debts are not mines but the provider of services never billed they stated untimely filing. 

XXXX XXXX XXXX date XX/XX/XXXX same issue bill belongs to my son placed on my credit report unable to refinance my house {$550.00} called no help sent to collection cant change. 

XXXX XXXX XXXX was paid XX/XX/XXXX to a rep {$100.00} he could not provide a confirmation number a few days later called told me pymt did not go through repaid called yesterday said it would fall off still no confirmation or letter to show paid never received bills or notices. Todate shows unpaid each call we will send you a letter and remove debt from report. I stated that fact to the agent yesterday.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have inquiries I know nothing about that popped up from 2020 my credit score was XXXX last month then out of no where it dropped to XXXX I never been late on a payment for nothing I feel like XXXX playing with my credit score they dont wan na see XXXX XXXX people with good credit I mean why drop my score for no reason.!!
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

On XX/XX/19, Collection was place on my trade line.. I called lender to inform them that I did not apply or in this apartment m.. I ask collection to provide me a written contract pretending to this debt.. There was no contract on file.. I informed collections that my identity was stolen
Consumer complaint received 2022-08-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: W&A Intermediate Co., LLC (TX)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me