davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

The company responded on XX/XX/2022. Venmo after agreeing on what the payments were marked and accepted as on behalf of the organization accuses that payments were instead of gifts and donations for XXXX XXXX containing XXXX, XXXX, and/or other XXXX. Those prohibited activities as Venmo alleges to justify violates of use were never conducted by the account holder. The account holder never asks XXXX buyers to note their payments as gifts but indeed accepted gifts and donations which were to clarify why those gifts and donations were accepted instead of purchases for items. Venmo 's decision to cease offering services permitted in violation of its USER Agreement is in discrimination since XXXX makes a distinction between what was the purpose of the receipts as marked The account holder will not choose liability for discrimination by Venmo which has clear evidence of what payments were received for according to its notation and is not indebted which is illegal. Venmo has not received any correspondence between the account holder and alleges customers of illegal substances. Venmo has receipt receipts as stated before noted as " Gift '' or " Donation '' as the account is for non-profit purposes.
Consumer complaint received 2020-11-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, 2019 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax has allowed XXXX XXXX to reinsert a debt I do not owe on my credit report twice. XXXX XXXX has not presented a signed contract or affidavit from XXXX substantiating their erroneous collection. I have previously contacted XXXX regarding the original account that was paid, closed, and equipment returned. I closed my account not owing anything to XXXX. I never received the reimbursement customers were to receive even though I filled out the necessary. I never received notifications from Equifax or XXXX before reinserting this info for the third time to my credit report.
Consumer complaint received 2022-04-02
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. (CT)

In accordance with the Fair Credit Reporting act 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 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.
Consumer complaint received 2018-10-02
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. (NC)

On XX/XX/XXXX, I sent a request to XXXX Experian and XXXX XXXX ; to investigate errors on my credit report. They are supposed to respond within 30 days. I have yet to receive my responses.
Consumer complaint received 2022-04-02
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. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

We are in the process of applying for a home mortgage. The mortgage lender pulled our credit on XX/XX/19 and TransUnion came back as frozen. I did freeze it right after the XXXX  breach but unfroze it last year when moving to apply for an apartment. 

On XX/XX/19 I got on their site, clicked the unfreeze option and get an error saying there's an issue and to call. So I go thru their automated system to unfreeze and the automated system says it's not frozen. I got a representative of the line who tells me it isn't frozen but there is a technical problem with the account on their side. She said she was submitting a ticket and it'd be resolved in 24 hours. 

The mortgage broker calls again last night ( XX/XX/19 ) and says it's still coming back frozen. So again I call. And again they say it isn't frozen but they'll submit another ticket. 

So my husband calls and escalates since this issue is actually occurring with both our credit accounts. He is told there's nothing they can do. That we should tell our mortgage broker our score can be verified over the phone with a number brokers have and she'll have to do it that way. 

And that's literally as much as we can get from them. They refuse to send letters stating everything isn't frozen, they refuse to explain what about their " system issue, '' is and when it'll be resolved, and they say there's nothing they can do because it's not frozen. 

At this point, we're at a loss. We've given the info to the mortgage broker but given how many times in this process our credit will likely be pulled this is a bit ridiculous. Are we always going to have this issue? Where can we turn for a resolution?
Consumer complaint received 2017-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I reached out to Capital One in order to request a good will deletion on 2 separate accounts that I have paid off after Charge off. After being Denied I pulled my credit report to do some investigating. I noticed that while one account was listed as Current on my XXXX report It was reporting as a charge off to XXXX. The Time frame for this was XXXX XXXX XXXX. After writing in about the incorrect reporting Capital One claimed they were reporting correctly but that they could not provide me with actual documentation from the Bureaus stating that the accounts were reporting correctly. I had to call in multiple times trying to receive a resolution to no avail.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing this letter to get reassurance on an ongoing investigation. I have disputed an account that was charged off 2 times already. The first dispute was on XX/XX/XXXX of 2024. There was inaccurate information on my account that showed 2 charge offs in 2 different dates and then after the dispute the credit bureau modified it and stated it was updated. They did not remove it due to inaccurate information. The second dispute on the same account was on XX/XX/XXXX of 2024. I was able to provide a payoff letter from the 3rd party collection agency " XXXX XXXX XXXX. '' I sent the payoff letter that stated I had no obligation of the account as part of the 2nd dispute, but was not approved for deletion and the information was remained as a charge off. They had incorrect information the first dispute and then also showed a payoff letter as proof and did not want to assist by removing the inaccurate information off my report. Please let me know if further is needed in order to have this removed off my account. 

Thank you!
Consumer complaint received 2019-08-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OK)

I am totally XXXX and requested TPD discharge of my student loan. I was approved about a month ago. Today I checked my credit report. They have moved it to closed, but have not changed the amount owed or removed the collection account notation. I called PHEAA. They say my claim is still processing, to call XXXX. XXXX says its approved and PHEAA has what they need. They told me that a month ago. PHEAA told me they wouldn't change anything on my credit report, that it will drop off in 9 1/2 years. My credit report amount owed is {$10000.00} more than the amount owed on my statement each month ( the amount that was forgiven )
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX VA XXXX This above company calls me day and night about a bill they claim I owe. This is their suppose to be account that they claim they have on me. # XXXX Reference number : XXXX I emailed and told them they have the wrong person. 
The Person name they sent in the letter is : XXXX XXXX XXXX at my address. 
Never heard of the person, don't know who she is. 
They states it's a Capital One bank N.A. debt. 
They states on the letter that it has a XXXX  balance, yet they still keep calling me and not the person on the letter. I emailed them letting them know they have the wrong person. Yet they still call morning and evening.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (TX)

I recently was a victim of having my cell phone number " stolen '' -- someone took my number and then was able to hack into my bank accounts, credit card etc by having verification codes sent to my cell phone number. I am currently trying to close my American Express account because they have used that card to make fraudulent charges but have been unable to do so. American Express is requesting that I send over a copy of my license and a video of my face so that they are able to close my account. I am refusing to do so because now I am worried that I may be hacked again. I was advised that these incidents sometimes are " inside '' jobs so I do not want to send any more personal information. Therefore, I was unable to close my account and I am worried that it will keep getting hacked.
Consumer complaint received 2020-11-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. I am also a victim of the Equifax data breach.
Consumer complaint received 2021-04-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FCI Lender Services Inc. (MA)

On XX/XX/XXXX FCI Lender Services , Inc initiated foreclosure actions on my property. They allege that I owe {$180000.00} for a loan that I allegedly took out from a now defunct bank i.e. XXXX XXXX XXXX in XXXX. From their payment statement the loan is 3945 days delinquent. I have repeatedly ask FCI Lender Services to validate this debt but to no avail. I received the foreclosure documents from their attorney XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX CT XXXX with a foreclosure sale date of XX/XX/XXXX.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I discovered upon checking my credit that my mortgage servicer ( XXXX XXXX XXXX has been incorrectly reporting to credit agencies that I am behind on my mortgage. Upon investigating, it appears they had taken my payments and wiring them out of my account into someone else 's account without instruction or authorization, or explanation. They initially did not provide an explanation of this, and I have spent over 2 weeks so far trying to get my money back, and late fees refunded. They manage the They have admitted to wrong doing on their part and that the mistake was theirs. Despite me flagging this as a problem, they continued to report derogatory data to credit agencies. I asked them ( on a recorded line ) whether I need to write a physical letter to them to serve as a " Qualified Written Request '' per RESPA section 6, and they assured me no, a phone call is acceptable.
Consumer complaint received 2019-06-05
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. (WA)

On XXXX, Experian emailed me stating that my dispute was completed. So I checked the results on their website, and found that they deleted the item that I disputed. About an hour later they sent another email stating they updated information about the account that had nothing to do with my dispute, and my credit score was  lowered by 4 points. The company in question is XXXX. It's a charged off account that I have no recollection of, and I have requested that Experian and the company send me proof of some sort of documentation or contract that this is my account. I haven't received anything. Although Experian stated it was deleted, it shows the company is still on my report, and Experian is allowing them to provide recent non payment history although its not my account and its a charge off. This is what lowered my score after Experian claimed to have deleted the account. This account was fraudulently opened in XXXX. I have been unable to reach Experian over the phone and would like answers as to why they stated the account was deleted upon investigation, yet the account is still on my report, lowering my score.
Consumer complaint received 2022-10-04
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. (IL)

I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (LA)

I have already filed disputes with the reporting agencies several times that the amount owed is less than {$200.00} of the {$400.00} credit limit. LVNV Funding keeps billing me {$770.00}. in the last dispute, I requested a copy of the charges/ debt verification, but only received a letter from XXXX that the charges were " valid ''. 

In XX/XX/2015, I responded to a court summons from LVNV, but never received a hearing date.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I applied additional cards on XX/XX/XXXX for my two American Express credit cards, Everyday and Platinum, because they sent me an offer which would give XXXX and XXXX membership reward points for each Everyday and Platinum additional card, respectively, after reaching certain spending requirements. I applied four additional cards for each account and would expect to receive XXXX and XXXX XXXX XXXX. 
However, one month after my additional cards all reached their spending requirements, today I found all additional cards were cancelled. I also updated necessary information on XX/XX/XXXX per their request. 
They just kept asking me to call them but no one really tried to solve the problem.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NM)

To whom it may concern, I have an problem with Chase Amazon credit card. I was carrying a high balance on this card for some time. My account was in good standing. I received a bonus check around the end of 2020 and decided to use that bonus money to pay down this credit card bill. I paid approximately XXXX and brought that debt down and Chase briefly made that credit available. 

There soon after Chase reduced my credit line to approximately XXXX My issue is will show up as a decreased credit by a CC company and not a valid debt satisfied. One is beneficial to my credit rating the other is benefit to to Chase. I believe it is the policy of the Chase card to unfairly decrease my credit and keep me from enjoying the improved credit rating and further Chase will refer to the decreased credit rating to charge a higher interest fee or penalties. 

Can you assist me with this matter and tell me if I am able to address this in any way? 

Thank you, XXXX XXXX documentation available
Consumer complaint received 2019-08-13
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. (FL)

Transunion is incorrectly reporting me as an Authorized User on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX  however, Transunion has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-06-05
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. (KY)

I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report. 

I have been asking since XXXX of 2019 on more than 4 times! 

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items. 

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!! 
3. The date opened : XXXX is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate. 

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked GM directly to do so and for proof. 

They clearly like to play games and not abide by the law!