davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

IN A PAST I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY PERSONAL INFORMAITON WAS USED TO OBTAIN CREDIT AND SERVICES WITHOUT MY CONCENT. I HAVE CONTACTED THESE CREDITORS AND SENT THEM AN IDENTITY THEFT REPORT REGARDING THIS MATTER. THESE CREDITORS AGREED TO DELETE THEIR INFORAMTION FROM MY REPORT BECAUSE IT WAS OPENED UNDER FRAUDULENT ADDRESS AND EMPLOYMENT. WITH THE SAME INFORMATION I HAVE CONTACTED THE CREDIT BUREAU BUT THEY ARE REFUSING TO REMOVE THESE FRAUDULENT ACCOUNT FROM MY REPORT. THERE ARE THREE ACCOUNTS WHICH ARE FRAUD RELATED AND BECAUSE THIS FRAUDULENT INFORAMTION I AM NOT ABLE TO OBTAIN MY STUDENT LOAN TO CONTINUE MY EDUCATION. PLEASE HELP.
Consumer complaint received 2021-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upgrade, Inc. (PA)

We took a personal Loan from Upgrade. The loan was for {$8000.00}. {$2000.00} was sent to one of our Credit cards. {$1300.00} was sent to us. {$4500.00} was to go to a Credit Card, they never received the payment. We have contacted Upgrade weekly for 2 months and are told they can't find the Payment. We took the Loan on XX/XX/2021.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

We participated in a group tour in XX/XX/2020 that included travel to XXXX. Due to the spread of the coronavirus pandemic, we decided to leave the tour early and made flight reservations on XX/XX/XXXX to leave XXXX for XXXX on XX/XX/XXXX, using a website operated by the merchant, XXXX. We paid with our Capital One credit card. On XX/XX/XXXX, the government of XXXX announced closure of all international travel in and out of XXXX. We were in XXXX with our tour group at this time. Our tour group agents personally visited the XXXX airport on the afternoon of XX/XX/XXXX and morning of XX/XX/XXXX, and advised us that no flights were authorized to leave the airport, and that we should not go to the airport. We contacted the Merchant on XX/XX/XXXX concerning this matter and did not receive a response. We contacted the United States Embassy in XXXX and were told that all flights were suspended effective XX/XX/XXXX and that we should not go to the airport. We promptly cancelled the flight reservations on XX/XX/XXXX and were able to visit with a Merchant representative, who indicated that she was not in the country and was unaware of the airport closure. We have submitted copies of all relevant information we have on this matter yet Capital One appears to ignore the realities of the situation, even apparently agreeing with the Merchants claim that the tickets purchased by the customer were not affected by the Covid-19 travel Ban. So, we were expected to ignore the executive order of a government where we were traveling, our own governments embassys instructions as well as our legal agreement with our travel company? We did make a timely appeal of Capital Ones initial rejection of our dispute, which involves {$680.00}. In its final rejection letter to us, Capital One falsely claims that we did not dispute this charge within 60 days of receiving the statement that shows the disputed charge. This is not true-we sent them a letter dated XX/XX/2020 that disputes the charge-less than one week after we received the statement. We also contacted Capital One by telephone on XX/XX/2020 concerning the matter because we had received no response from them at that time.
Consumer complaint received 2023-04-06
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I VISITED THE BANK OF AMERICA BRANCH IN XXXX XXXX XXXX, CA ON XXXX   XXXX, 2020, ALSO THE XXXX   XXXX XXXX, XXXX, BRANCH BECAUSE THEY WERE SUPPOSED TO BE OPEN FOR BUSINESS FROM XXXX   THRU XXXX ACCORDING TO THE BANK 'S GENERAL TELEPHONE LINE- ( XXXX ) XXXX. IN REALITY, THEY WERE ALL CLOSED. THEIR FRONT GLASS DOORS HAD MULTIPLE SIGNS -- CLOSED, CLOSED. NO EXPLANATION GIVEN AT ALL! 
THEREFORE, I FEEL THAT I SHOULD REPORT THESE UNETHICAL BUSINESS PRACTICE TO YOU FOR TWO REASONS : 1 ) FAKE MESSAGES TO DISTRACT THE CLIENTS, 2 ) LOSS OF OUR PRECIOUS TIME TO TRANSACT OUR TIME SEN- SITIVE BANKING NEEDS, 3 ) ALTHOUGH THE ATM MACHINES ARE OPEN, THERE ARE TRANSACTIONS THAT CAN NOT BE PROCESSED BY THESE MACHINES., THESE TRANSACTIONS NEED A LIVE BANK CUSTOMER REPRESENTATIVE TO PROCESS AND PROVIDE A RECEIPT AS PROOF OF SERVICE AS OF THE TIME OF THIS WRITING, I AM STILL UPSET AS TO THE BAD BEHAVIOR OF THESE BANK PERSONNEL! NO COMMON SENSE!.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently pulled a copy of my credit report and noticed that XXXX account is still being reported. After noticing the account I contacted the credit reporting agencies to get this issue resolved. XXXX is the only agency who has deleted this account due its inaccurate reporting. This will be my second attempt with Transunion and XXXX. 

Per the XXXX, once the account has reached a charge off status, and the lender has filed it on their taxes as XXXX debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a XXXX form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). I
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

i am not liable for this debt Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (LA)

Collection company- XXXX XXXX apartments HUNTER WARFIELD , INC XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Falsely keeps reporting to my credit report an amount to my credit report that is in accurate knowing that the amount is four times what the amount should be. They have listed amount of one payment of rent which is accurately past due and I would like to resolve but also damages that were clearly listed on the wall through check sheet.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MT)

we have received phone calls and text from a collection agency called MRS. they say we owe XXXX   money for equipment and services..we have never had any financial dealings with XXXX. we have never lived in the state of wisconson which is where they say we had sealings with XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. utilization is an experience created by credit usage. TransUnion XXXX and XXXX is reporting Utilization which is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX XXXX and TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, Privacy Act of 1974. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of utilization are accurate and my privacy has been violated due to XXXX XXXX and TransUnion violated my consumer rights by allowing utilization to report to my consumer report! See attachments below!!
Consumer complaint received 2021-09-17
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 (TX)

Dont recognize/ old sold vehicle 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 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX, Equifax and XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. Equifax list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
Consumer complaint received 2024-02-26
Product: Credit reporting 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)

In accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c. XXXXXXXX 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 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 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. 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 instruction.. 15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2022-11-16
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. (KY)

on or about XX/XX/2022 company was contacted in regards to accounts in dispute. and was requested to remove all incorrect address as the only address should be XXXX XXXX XXXX XXXX ky XXXX furthermore company states that accounts come back as verified by reporter of the information but when advised that company who reported information has failed to respond to request for account level documentation and verification of account company allows information to remain,
Consumer complaint received 2023-04-06
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC (AL)

I purchased a one year contract with XXXX XXXX XXXX and paid the full amount up front on the date contract was signed. I chose not to renew the contract. I informed my service technician several months before the contract expired and phoned XXXX that I would not be signing a new contract. 
More than six months after my contract ended I received a bill from XXXX for {$160.00} I again called them to inform them of their mistake. Approximately three months later I received another bill, I wrote on the bill that I didnt owe them anything since my contract was for 12 months and I paid in full initially. I asked for an explanation of the charges other than the amount. I never got a response but was instead handed over to XXXX XXXX XXXX for collection. Ive spoken with the above credit agency who asked me to prove I didnt owe the bill.
Consumer complaint received 2022-01-10
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: JPMORGAN CHASE & CO. (NJ)

I received an email, XXXX XX/XX/2021, apparently from my Chase credit card, about a promotion offering a reward for use of the tap payment method. Please see attached copy of email. Within the next month, I used this payment method the allowed XXXX times. The promised bonus never appeared on my credit card statements. When I called Chase to ask about this, they claimed that there was no record of them having sent this email or offered this promotion. When I offered to send them a copy of the email as proof, they said they were not able to accept such emails. Thus, they refused to honor the promotion. 

If this actually was not their email, I deduced that there might be a third party engaged in phishing, and that this third party had accessed my Chase credit card account information. So I emailed the copy of the promotion email to the Chase phishing report email, but they never responded. 

The reward lost was only {$10.00}, and was not money that I had in the first place. But it will be difficult for me to have any confidence in Chase in the future.
Consumer complaint received 2021-08-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (PA)

Violation of FCRA delete this account immediately. Inaccurate data reported. Account profit/Loss write off. still updating last date of activity. should have a XXXX  balance, with a Charge off Profit/Loss Reporting to XXXX  and XXXX  different dates of DOLA, etc..
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

On XX/XX/2020, I requested that LexisNexis validated the Banktuptcy listed on my LexisNexis consumer file. I received no answer, and on XX/XX/2020 I sent a follow up letter again requesting from LexisNexis to send me the documents that they used to verify the bankruptcy, and if such documents can't be produced to delete from my report. I received a letter back from LexisNexis on XX/XX/XXXX, more than 60 days after my initial request, dated with XX/XX/2020. In The letter LexisNexis claims that they verified the bankruptcy and it's accurately reporting on the report. They failed to fulfill my request to provide the documents and procedure they used to determine the accuracy of the disputed bankruptcy. In the letter LexisNexis include that the Fair Credit Reporting Act gives me the right to request a description of the procedures used to determine accuracy, however they fail to provide said information as requested in my 2 letters sent to LexisNexis in XXXX and XXXX. Furthermore neither court or pacer report to or verify accuracy of information to 3rd pats companies, and existence of the information is not evidence and can't be used to verify who it belongs to. LexisNexis Case numbers listed on the communication sent to me : XXXX, XXXX, XXXX.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I paid my account balance in full. I left a balance of XXXX, which was the interest that I incurred during the prior billing cycle. I called Bank of America an asked if they were able to waive it for me as I paid my account balance in full. On two separate occasions I was advised they were unable to do so. I paid the remaining balance on XX/XX/XXXX and my cycle closed XX/XX/XXXX. I received my statement and I am being charged XXXX interest. I called and asked if this could be waived as I paid my account in full. I was told they are unable to do so.So Basically I have to pay interest on interest. At this point I am very disappointed with Bank of America. Ive been with them since I was XXXX XXXX XXXX. If I am unable to have this resolved I will close all my accounts and take my business elsewhere.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

On or about XX/XX/2020 I submitted vis my US Bank Relia card a Bill Pay in the amount of {$2000.00} ( XXXX XXXX dollars ). This payment was NOT received by payee. I did a phone inquiry to US Bank on or about XX/XX/2020 was told to wait 5-7 days and it would be back in my account. As of today it has not been returned. I called US Bank again spoke with XXXX who said he would tell his supervisor and it would be handled. He stated that he didn't see reference to my prior call. I am filing written complaint as their customer service lacks credibility an I don't think it will be handled. 

Also another concern, Thank God I didn't ( back when I received funds ) need to use them right away so there was over XXXX ( XXXX XXXX ) in my account when I received a NON Fraud overpayment notice ... .I needed to return XXXX & XXXX to department of labor & PAU ... .I thought I could just send bill pay to these agencies. However, after inquiring at US Bank..I was told NO ... .I had to withdraw maximum of XXXX daily and pay fees!!! until I get the needed funds ... they also have a cap on transfers and bill pay ... .If this is MY money ... how by law can I not withdraw and repay Govt??????? Thank You
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (CA)

XX/XX/2020 XXXX  dispute department Account Number XXXX To whom it may concern : I started to work with XXXXXXXX XXXX XXXX   over ten years ago on Tax reduction of two rental, we owned in Texas. Very nice company to work with, till this came up. 
SInce our plans changed, we decided to sell the properties. 
A year before we sell the properties I called them and informed them by phone to stop the tax reduction process. However, for whatever reason that Tax reduction continued and we received the statement, even when we sold the property. I informed them again by phone, if agreeable I will prorate them up to the point we owned the properties, Did not hear anything till, I check my credit score. Some XXXX dollars now is {$1300.00}. I agree to pay them still to what I proposed without extra penalties, although there is an error in their bookings and communication. Since I informed them, legally I do not own them any amount. 


Phoenix recovery group is miss representing the facts, because We did not borrow any money from them, to report it as loan. 


XXXX XXXX
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.