davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent in dispute letters to all three credit reporting companies, XXXX, XXXX, and Experian. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.
Consumer complaint received 2022-10-06
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. (NV)

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Discharged XXXX Date Filed XX/XX/2013 XXXX
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I've had an active fraud alert that contains my cell phone number for creditors to contact me and verify Information when placing a credit inquiry. It just expired this month. That has been violated by all 3 companies for the past year. They go ahead and proceed with the process and release my information. I also have an active security freeze through XXXX  and they continue to let credit inquiries come through. I have extensive credit inquiries processed completely and it has majorly damaged my credit. Do I not have any rights here? Please verify all this is accurate and please let me know what steps I should take to resolve this matter.
Consumer complaint received 2017-06-14
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. (LA)

I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted Equifax,   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC (NJ)

I opened up my   XXXX   XXXX   and I saw a derogatory mark fro m ARC  opened  XXXX   XXXX   2017  for {$150.00} .I do n't have a clue where this came from.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank processed an XXXX XXXX XXXX in my name. I received an email with a reference number and a link to details of the card. I clicked the link and entered my private information correctly and it said my info was not matching their records so that's when I knew it was sketchy. I called them and they were very unhelpful. Synchrony Bank is a very low budget sketchy creditor. I NEVER gave them permission to check my credit nor would I deal with these people.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recently purchased one nights stay at the XXXX XXXX in XXXX VA. I made the purchase through my XXXX XXXX rewards member portal with my Capital One credit card. The amount that I paid was the rewards member rate which came to {$94.00} night and {$100.00} after taxes and fees. When we checked in I was told to run my card for the original amount of {$100.00} and a separate charge of {$200.00} for incidentals. We were told that checkout was at XXXX, nothing more. The next morning at XXXX the manager is at my door stating that we will be charged for half a days stay because we are in the room past XXXX. My husband tells the manager that im not feeling well and was just finishing up in restroom. We vacate the room at XXXX, after taking a few moments of video of the room to avoid any further fees.We were told at the front the desk that they would be applying a half day charge but never given an amount, or a final receipt of the charges. I had no idea about the policy, so I called XXXX customer service immediately from the parking lot. I was told they would " submit a ticket '', but each location is independently owned and they would have to contact me. I was not contacted.I only became aware of the amount of this " fee '' after it was deducted from my incidental hold. The total came to {$120.00} for the half day fee. My credit card company will not honor my dispute stating that I do not have enough evidence to support a chargeback.This is my first charge dispute after having this card for 5+ years.In response to my chargeback, it was stated that I was charged for a half day stay for a " last minute stay '' for a " fully booked hotel. '' After the charge was reapplied to my credit card, I contacted the XXXX XXXX XXXX. When contacted by the XXXX, there was no response.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX brough this debt from XXXX. I canceled this insurance do to finding new insurance and now they are saying I owe them {$120.00}. Idk how when I CANCELED the service. This is a scam.mhow do I owe when I canceled.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (GA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.
Consumer complaint received 2022-03-03
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. (MO)

I'm a federally protected consumer and my rights as a consumer have been violated by TransUnion, XXXX, and XXXX. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in TransUnion, XXXX, or XXXX best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If TransUnion, XXXX, or XXXX actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines TransUnion, XXXX, and XXXX as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.
Consumer complaint received 2022-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

What I am tying to understand is how can a company steal your information and run a vast amount of hard inquires on someone's credit report. I never gave Capitol One written or verbal permission to run 8 hard inquires and then furnish them on my consumer report. I thought as a consumer I had the right to privacy? I also thought furnishing a report in connection with credit or insurance transaction without the consumers consent is against my rights as a consumer? 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Capitol One, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA)

See attachment it is not a signed copy as was faxed back on and about the date on NOTICE!!! XXXX to XXXX, XXXX to XXXX. this title company has defrauded the title by way of signature id theft and let it go through.
Consumer complaint received 2015-05-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (MA)

Paypal/ XXXX, signed me up for paypal credit when I wanted to use my credit card. They claim its my default ; however, that day I added my card and tried to use it. I did not put my social in or anything. I happened to look on ebay and it stated thanks for using paypal credit.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I made a payment in the amount of {$1900.00} and the agent said that my charging privileges would be restored on this card. I have 4 cards and they were all behind on payments which the agent and I discussed prior to making the payment. The agent assured me that I would be able to use the card on my vacation after the payment cleared from my bank in about 2 days. I was not able to use the card and I called Amex to see why, the agent said that she needed to call my bank and confirm the payment was taken out, we did a 3 way call and verified that in was taken and applied to my account. She then tried to release the hold and restore my charging ability but she could not. She elevated it to a supervisor and that I should call back. When I called back they said that they would not be able to restore my charging, because the other accounts were in default and offered me a full refund of the payment since the payment was made under false pretense. They reviewed the recorded conversation with myself and the agent and agreed that he was not truth-full when I made the payment and assured me that the refund was issued. When the refund did not arrive in the mail within 10 business days I called back and they assured me that refund would be deposited directly to my bank account and apologized for the delay. I gave them my account information and it was supposed to arrive in 3 - 5 business days. When it did not arrive again I called and another supervisor assured me that it would be refunded by mail and that I would get it in 7 - 10 business days. 3rd attempt dated XX/XX/XXXX, ref # XXXX. As of this date American Express has not issued my refund as promised. They have not restored my charging privileges and have been dishonest in their business practices on several occasions. I would like to have my refund refunded. Several times members and supervisory members have been dishonest and not truth-full in the way they have interacted with this consumer. Thank you.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MO)

Failure to properly validate and or comply with the terms that I requested presenting proper validation. I requested for validation not verification. But instead I was presented in the mail with an itemized bill. Please note that as per FTC opinion letter from  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (OR)

I accidentally mistaken PayPal Credit for PayPal Balance. I switched to a new computer thinking that I was verifying my computer and not knowing I was actually applying for credit application. The application process is so deceptive and I could not make a difference between applying and sign in. This easy process should not be allowed since most of the time when applying for credits, I was asked with XXXX questions about my credit reports. 

I was so surprised because usually " my default payment '' has always been PayPal Balance and not applying for credits. I accidentally applied exactly 25 minutes ago prior to submit this complain. 

This practice should NOT be allowed. Applying credit should not be this easy by just providing your birthday and last XXXX digits of SSN. My personal information was originally intended for PayPal account verification and should not be a shortcut to apply for credit.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Transunion was hacked and my credit report file, a hacker set up an account using my SS # and was sent credit reports by Transunion with all my information. the hacker then opened various accounts and also opened several cell phone accounts with XXXX and we got the notice and welcoming packet from XXXX sent to me at my home address, this started us investigating and found the fraudulent account set up on Transunion ... ... ..they never contacted my wife to say that the account was set up.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (UT)

I have been the only point of contact that I have had with this company. ( Meaning, I call them, they never call me. ) My phone number has been the same for years. I have called them in in past and asked for documentation of accounts or funds owed. They have sent me paperwork to my corrected address in the past. I have been for the last three months trying to pay this debit which has been on my credit bureau reporting for years. It has always remained the same. When I attempt to pay, they change the balance that I owe. I finally was able to get someone to explain this to me. They are attempting to charge legal fees for doing nothing on a legal level. There has been not one letter from an attorney, there has been no legal filing with the court. I have called multiple times and attempted to pay, they continue to tell me that I over over XXXX for a balance reported at XXXX telling me that it will not be a balance paid in full. One time I called and spoke with a very rude XXXX in XXXX, who has falsified her documents to state that I have confirmed my address to the wrong apt number. I have not lived in apt XXXX XXXX in years. I have also informed EVERY creditor that the new Apt XXXX is XXXX for mailing purposes and I will be sure to receive my mail. At that time XXXX refused to inform me of what the additional debit is from. Once off the phone with her, the very next day she had it reported to the credit bureau at the XXXX plus balance. I disputed it, when it was replaced back on my report, it was put back to the XXXX balance. This proves they have not done a legal process and can not charge me for their invalid and bogus legal fees. I have been paying off accounts with them for the last year. They are aware that I am in Apt # XXXX for mailing purposes. Point is, I have attempted to pay this debit in full per the amount that shows on my credit report. they are refusing to mark it as a balance in full.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IL)

PNC charged my account XXXX without.my authorization or prior notification in the attempt to collect debt. 
My cresit account is 120 days past due and they tried the sneaky way of taking money out of my checking account without notifying me or asking for my permission.