davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX XXXX XXXX several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

2 of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. XXXX XXXX XXXX acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with 5 representatives at XXXX XXXX XXXX since XX/XX/XXXX, including Customer XXXX  XXXX XXXX XXXX XXXX XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to XXXX XXXX asking that the XXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the XXXX report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my XXXX and Transunion are showing this account as late, when it has never been late. I have also contacted XXXX and Transunion asking them to change this information so that it reports accurately on my credit reports as paid.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MY identity was used fraudulently on XX/XX/2019 to open this fraudulent account with BANK OF AMERICA account # XXXX balance {$3600.00} this account is fraud.
Consumer complaint received 2022-04-29
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. (TX)

In accordance to the fair credit reporting act DP of EDUXXXX, Account # : XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Secrion 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 and purpose.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am in receipt of a letter from Portfolio Recovery Associates that alleges I owe a debt of {$1000.00}. I don't owe any debt. Pursuant to 15 U.S. Code 1602 ( o ), the social security card belongs to the Social Security Administration and I am an administered agent. Therefore, as an administered agent I don't own or owe any debt attached to it. 

The letter also states that Portfolio Recovery Associates validated the alleged debt, but as the consumer, I am the only one who can validate that debt. The debt is not mine. It is not true.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NRA Group, LLC (FL)

the company, National recovery placed a negative debt report on my credit bureaus for {$550.00} that doesn't belong to me. I have never done business with National Recovery nor their affiliates. I reached out to request validation and they did not respond. I have since sent certified letters requesting validation and have received no response. This is not my debt and is negatively affecting my credit report They are in violation of the FDCPA and the FCRA and they should be held accountable by removing this from my reports immediately. I will also be filing a investigation with the XXXX  about this and may seek legal council if it is not removed.
Consumer complaint received 2022-01-13
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. (KY)

I have sent XXXX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (AZ)

In XX/XX/XXXX I received an email from Convergent Outsourcing, INC stating that they were attempting to collect an alleged debt. I responded to these alleged allegations via communication by a written letter on XX/XX/XXXX explaining that the alleged debt does not belong to me. Convergent Outsourcing, Inc, responded back on XX/XX/XXXX with a typed up letter from XXXX XXXX dated XX/XX/XXXX with an alleged balance. To begin I have never done business with Convergent Outsourcing , Inc nor am I aware of this alleged debt that does not contain my wet signature stating that I agree to these alleged debts. Further more, Convergent Outsourcing have violated many of my consumer rights after I strictly advised them to no longer contact me unless they were contacting me with remedy. Without my consent Convergent Outsourcing , Inc has reported this alleged debt to my consumer report without my consent. Included is the communication that I sent to Convergent Outsourcing, Inc
Consumer complaint received 2018-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (TX)

My loan was transferred to this company right after the loan was disbursed to me, and ever since then I have had multiple issues. I made a payment of {$30.00} on XX/XX/XXXX, however when I checked my account at a later date, the payment was never applied to my balance. After calling MULTIPLE times and speaking to multiple different representatives, there was still no resolution. I was always told that an account specialist would contact me but I was never contacted. I later made another payment on XX/XX/XXXX that was not applied to my account, and now my interest is much higher than it should be. The service from this company is disgusting and my complaints always fall on deaf ears. Every time I call no one acknowledges my concerns, and they always give me the run around.
Consumer complaint received 2021-08-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2021-06-08
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: Experian Information Solutions Inc. (CA)

I reviewed a copy of my credit report and I am disputing an item that needs to be removed. 

1. XXXX XXXX XXXX XXXX is a 2-year-old credit inquiry. It was pulled on XX/XX/2019, and should be removed.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (AZ)

I have had a XXXX XXXX XXXX for years, according to XXXX since XXXX. 
Although my account has had varying credit limits, the company resolved higher credit limit accounts to {$500.00} ( including my XXXX credit card ) when the restructured about 5 years ago. 
Recently, I received a letter in the mail dated XX/XX/XXXX from XXXX which states that my credit limit was increased to {$800.00} effective immediately. 
I have NOT, however, seen the credit limit increase when I view my account online. 
I have contacted XXXX by e-mail regarding this issue, with a response that my credit limit was {$500.00} not {$800.00}. Today ( XX/XX/XXXX ) I spoke with a XXXX   representative ( XXXX ) who confirmed that my credit limit is {$500.00} and told me that the XX/XX/XXXX letter " must have been a mistake ''. 
I explained to XXXX ( the XXXX representative ) that I believe his response was incorrect and possibly illegal, because banks and other financial institutions are bound by strict financial laws. 
Despite my protest, my XXXX XXXX credit limit is {$500.00}. 
I would like my XXXX  XXXX credit limit to be officially increased to {$800.00} as indicated in the XX/XX/XXXX letter
Consumer complaint received 2023-01-18
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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. Furthermore the above accounts were created without my knowledge and I demand that the attached account be permanently removed from my credit file.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

So I have been trying to clean my credit to get a house. So my issue came from Enhanced recovery company. XXXX asked several times if they owned account and they kept saying no, it was placed with them on XX/XX/XXXX or XXXX, not sure what year they said. I examined what I was trying to do, settle and pay off for less. They lady I spoke with didn't have answers and got supervisor. I explained to him what I was trying to do and the settlement offer didn't work with what funds I had. I then asked him several times if they owned the account. They said no. Then guy was just rude and I examined that there were issues with the actual bill. He said I couldn't do another dispute because I had just done one. I explained I didn't even know process. I pushed a couple buttons on XXXX XXXX and it Saud it was disputed. He then told me XXXX couldn't contact original creditor because they weren't in charge of account. I found out they were the owner of account and I could dispute and explain my issue with higher source in collection agency, but wasn't given that opportunity.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/2022 I was a victim of scammers who posed as USAA representatives to access my account. I immediately contacted USAA and they immediately refunded the money to my accounts and issued me new debit cards for my checking and savings accounts. I received my cards and thought everything was fine until I attempted to do a mobile deposit and was not allowed. I then called USAA and was told a ridiculous hold time of 3 hours on the automated phone system. So I reached out via USAA members chat on line. I was informed that it may take up to 3 days for the fraud department to put my account back to normal. Today is XXXX XXXX and my account is still frozen and I cant reach anyone at USAA to discuss this and I can not access my money. There is no branch to go into because this is an online credit union. They have blocked my calls from coming through because the account is flagged.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed a copy of my credit report and I am disputing an item that needs to be removed. 

XXXX. XXXX XXXX XXXX XXXX is a 2-year-old credit inquiry. It was pulled on XX/XX/2019, and should be removed.
Consumer complaint received 2024-03-26
Product: Credit 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: Continental Finance Company, LLC (OH)

This is concerning my XXXX credit card I've spoken to the company or several different occasions 30 days ago now I've placed a fraud case towards my card I let the representatives know that I've only used my card once to make for sure it work the other charges I did not make I receive a letter in the mail XX/XX/XXXX. Spoke to a representative XX/XX/XXXX the representative told me that my card balance would be restored on XX/XX/XXXX th. My balance has not been restored I'm receiving different pieces of information from each individual I speak to I am not going to pay a credit card bill for charges that I did not inquire. I spoke to a representative by the name of XXXX extremely rude of course I've been dealing with this battle for over 30 days roughly a month and a half I'm frustrated this guy tells me that I can not cuss he can not give me his employee ID number not even a last name nor was I able to speak to a supervisor. Everyone I speak to wants to constantly transfer me over to other individuals who are not willing to help in this case and matter.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I noticed fraud on PayPal regarding the XXXX XXXX XXXX XX/XX/2021 for {$66.00}. I've never heard of them nor have I conducted any business with them. I immediately filed a complaint with PayPal. While waiting for the results of my PayPal claim I began researching the XXXX XXXX XXXX and came across hundreds of complaints from PayPal users. There seems to be a direct correlation. 

The XXXX XXXX XXXX is in XXXX. 

After a period of time, PayPal of course came back and denied my claim stating it was authorized. What's more frustrating is they sent the following email : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

The payment in question was sent as part of a billing agreement you previously set up with the merchant. 

We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX. 


I sent a complaint to the appeal email, and demanded a copy of the documents PayPal used in their decision. Today ( XX/XX/2021 ) I received the following email : We received the case ( s ) you filed on XX/XX/2021. 

We have reviewed this transaction  ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . 

Attn : Unauthorized Account XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX In other words, PayPal chooses to give their customers the runaround. I will send the letter, no worries there. I have already emailed PayPal and advised them they might want to be aware, customers are angry. It seems customers should unite and start a class action lawsuit. Just look at the forums. People are outraged. 

I filed a complaint with my bank and bypassed PayPal all together. My bank said they have this XXXX XXXX listed as fraudulent and they've had major complaints about them from other people. For whatever reason PayPal is lazy, and they apparently approve of fraud.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (AZ)

I am having a problem with Experian. On their website they are showing inaccurate scores from XXXX and XXXX. Experian shows my XXXX score at XXXX while both XXXX XXXX  and XXXX XXXX both show my XXXX score to be XXXX, and Experian shows my XXXX score at XXXX while XXXX XXXX shows my XXXX score to be XXXX I have tried multiple times reaching out to Experian to ask why and am getting generic responses that do not pertain to my question of what they show the scores to be different. This now leads me to believe that my Experian score is more st likely not accurate. I am in the process of trying to purchase a home and these inaccuracies are making it difficult for me to quality for a loan. I really need this to be looked into so the correct scores are being displayed. Thank you.
Consumer complaint received 2021-06-08
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: WELLS FARGO & COMPANY (CA)

This complaint is in relation to my previous complaint I filed against WellsFargo. I have attached a copy of my previous complaint confirmation as reference. WellsFargo responded to my complaint but FAILED to address the issue of my complaint. WellsFargo essentially provided me a history of what happened on the account but failed to address the 120 days late I was assessed for the month of XXXX 2021. I settled the wellsfargo account IN FULL on XXXX 2021. How can I be late if there was no balance?? The new 120 day late tanked my credit score and this is a complete violation. XXXX  seems to be the only bureau to report this error. I am not asking to have the whole WellsFargo account deleted, but I am asking to get the new 120 day late payment deleted.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I mailed a letter to XXXX XXXX, XXXX XXXX, Chase, XXXX XXXX, XXXXXXXX XXXX XXXX Bank, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history.

Neither of the companies replied to my letter, and neither one of them complied. 

I have attached the letter that I mailed each company on XX/XX/year>.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ALL ACCOUNTS ) 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

DEAR SIRS : C.F.P.B US. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX. EGREGIOUS FRAUD BY CAPITAL ONE AS {$39.00} ANNUAL FEE [ See Art. [ The Capital One Quicksilver Credit Card has no annual fee and offers a flat 1.5 % cash back on every purchase you make, plus earn {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
... 
Capital One Quicksilver Cash Rewards Credit Card. 
Regular APR ( % ) 15.24 % - 25.24 % variable Annual Fee {$0.00} ] SEE EGREGIOUS FEE.

CAPITAL ONE MEMBER FEE XX/XX/2022 {$39.00} XXXX XXXX XXXX XXXX never received Letter announcing It HIDE FEE