davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I sent Portfolio Recovery XX/XX/2019 a Cease & Desist letter as they are not my original creditor and I do not wish to work with them. I had this letter notarized by XXXX, CT. town hall notary as well. I requested that they remove all negative reporting they have reported to XXXX, XXXX, and XXXX. I am putting the CFPB on notice as to what is happening because I am not confident that they will respect my request. I have a copy of my Cease & Desist notarized should it be needed that I sent Portfolio Recovery.
Consumer complaint received 2019-08-18
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (FL)

Performant Recovery is harassing me with the amount of phone calls I receive. They call me everyday multiple times throughout the day and they've also called me repeatedly before XXXX.

They are also calling my place of employment everyday more than once throughout the day. They have even faxed my employment several times.

They have also contacted my neighbors on several occasions. My neighbors had to resort to blocking their contact.

I can provide phone records of the call history with this company as well as the call/fax history with my employer.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

Ive previosly disputed this account, my rights are being violated this accounts doesnt even show the dispute status on my credit report which is is an FCRA violation. ive been with DISCOVER for a long time, and I have always appreciated the good value and service I have received from Discover. Recently I checked my credit report and noticed a mistake from my closed credit card with account number XXXX. I was devastated to see a late payment from XX/XX/2023. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. Im getting a promotion from my job so they ran a credit check and thats when i discovered this. this has to 100 % be a billing error. Will you kindly send me? confirmation that this erroneous late payment has been corrected updated to paid as agreed and deleted from my credit report. 





If you believe its correct, I demand : -The date whomever validated it was correct. 
-The method used to validate this Billing error. 
-The name of the person who received the permission to validate this error. 
-The documents used to determine this error. 





I would appreciate if this matter were handled in a timely manner. 

XXXX XXXX
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is not properly updating credit reports for their XXXX XXXX. I have been trying to have my report updated but have not been assisted by XXXX XXXX at all. My Transunion report shows a {$630.00} balance and {$3000.00} credit limit last reported on XX/XX/XXXX ( see attached ). It should show a {$0.00} balance and a {$4500.00} credit limit, Ive attached both my XXXX and XXXX statements to show I payed my balance prior to the statement being issued and bother have a {$0.00} balance. Also heir representatives are clearly not trained to understand reporting either. The first representative I spoke with there told me that I simply needed to wait longer - even though my statement had cycled and it should have been reported already. The second employee I spoke with ID # XXXX just stated she would submit a dispute with Transunion, which makes no sense because they are the reporter and as such would just report correctly, not dispute their own information. All she could offer after was to note they needed to do a better job reporting, to whom this note would go is unknown as again, they are the reporters ( see attached ). This is unacceptable. It is now XX/XX/XXXX and I've had to enter my second dispute with Transunion ( who botched the first dispute ) to get this updated as it is still wrong, previously I had to file a complaint with XXXX for a similar issue. XXXX XXXX needs to be updating with the credit bureaus every 30 days. By not regularly updating credit reports, it harms the credit of borrowers who have paid off balances and/or had credit limits increased.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paided using paypal was told my payment was invalid by the merchant and had to use my credit card to complete the transaction paypal refused to refund me my money even after i send proof showing i was forced to pay with my credit card and the merchant agreed to refund me i am still waiting on my refund and paypal denied my case two times
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-05-07
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. (GA)

I am trying to fix things that happen beyond my control and there was another item that was not added to my identity report. All items submitted were of question to me and, it has not been updated and investigated properly. Items being verified because of my address and any other means does not mean I open the account. I have updated the ID theft report to add XXXX XXXX.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 XXXX XXXX cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX account XXXX ; XXXX  account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX XXXX account XXXX ; and US BKPT account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I requested validation from XXXX XXXX as I have a right to do so under the FCRA. Three letters have been sent as required for VALIDATION not verification. The debt amount showing on my report {$420.00} was removed between XX/XX/XXXX-XX/XX/XXXX but was reinstated without a 5 day written notice which is also violation of my consumer rights. I have not received the original contract showing my signature. This needs to be removed immediately from all 3 credit bureaus. A bill is not VALIDATION.
Consumer complaint received 2021-05-07
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. (TX)

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX XXXX account XXXX ; and US BKPT account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AZ)

My mother’s credit score at the time was low resulting in the need for a co-signer. The loan was approved only under the circumstances that I was listed as the primary on the loan.“The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq., is the collection of federal statutes that protects consumers when applying for or receiving credit.”First problem previously reported to Ally Auto: the auto loan does not reflect on my mother’s credit, just mine. As a result of such practice, I cannot partake in the option to be released from the auto loan therefore, preventing my mother from establishing and or maintaining her own credit after 2 plus years of payments. “The Fair Credit Reporting Act (FCRA) and its implementing regulation, Regulation V, require that furnishers of information to consumer reporting agencies ensure the accuracy of the data placed in the consumer reporting system. Additionally, the FCRA prohibits the use of consumer reports for impermissible purposes, and it requires users of consumer reports to provide certain disclosures to consumers.”Second problem: As part of the loan agreement, the lender is required to give all parties written notification when the other party is late with a payment and or makes changes to the account/loan terms and conditions. This has not been honored by Ally since the commencement of the loan even after making several verbal request. Third problem: Both Ally and my mother reported making a payment arrangement (in both negative credit reporting situations) which is supposed to deter negative reports on my credit. This is now the second time I have had to contact customer service regarding a delinquent payment reported incorrectly on my credit after a payment arrangement was made. Not once, was I informed of the late payment/arrangement nor given the option by the Ally to make the payment.At no time during either situation of the approved and thoroughly documented payment arrangement did Ally communicate the terms and conditions of such option(via letter, email or by phone) to me as the primary borrower on the loan. As a consumer, it is imperative to be properly informed of any changes occurring that may potentially hurt my credit. Ally does not consider such practice of informing all parties on the loan of any drastic changes. Therefore, Ally has intentionally violated the terms of the loan and the regulations of the law that protects consumers from misappropriation of information reported to the credit bureaus .
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I made a zelle transfer through my Chase bank mobile app on XX/XX/XXXX2022 in the amount of {$2000.00}. I missed the numbers on the email address but it showed the unintended recipient was a registered zelle with the same name as my intended recipient. Therefore I authorized the transfer to a stranger by mistake. I found out after a few minutes when my bank confirmed the transfer has been sent but my intended recipient did not receive it. So I called my bank right away to resolve the error. I was told that theres nothing they can do to cancel it but I can file a claim once the transaction is posted on my account. The next day, I was able to file the claim through the phone. They sent me a temporary credit for the transaction on XXXX while their claim back office do their research. I received the update letter on XXXX stated that my claim was unsuccessful because I have authorized the transaction and that they will take back the temporary credit on XXXX/XXXX/22. I requested for the details of their research but they were unable to provide it. All they said was that they tried to make a courtesy request for the money back and it was denied. 

I also attempted to email the recipient several times to kindly request for my money back but I received no responses. I also requested for the money through XXXX and no response. Im under so much stress and went online to try to look up the recipient and was able to find her phone number. I made a phone call to her the first time on XXXX and to my surprise she answered. I could tell she was also very surprised for my call. She somehow admitted that she received my money but she didnt want to deal with any XXXX XXXX for fear of being scammed. She said she wanted the banks to deal with it and she confirmed she banked with XXXX  XXXX XXXX. So I called my bank to request them to try again to get my money back but they refused. They said that I would have to ask the recipient to file a claim with her bank to return my money and again that there was nothing else they could do. 

I tried contacting the recipient again by email, text, and phone call without any responses. I believe that she blocked my number now. At this time Im pretty sure that the recipient does not want to return my money all along otherwise she can easily complete my request or have her bank return it.

I learn such an expensive lesson with a big loss of money through the zelle transfer app. Its just so disappointing that there is no protection at all when you make a mistake and that my bank ( Chase ) just would not try hard enough to resolve the issue.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (ME)

On XX/XX/XXXX a friend of mines deposit a 3rd party personal check into chase bank located in XXXX Maine. The check belongs to me XXXX XXXX, funds was supposed to be available on XX/XX/XXXX on the receipt. Chase bank are saying the check was cash and clear to go but now my friend account is close due to some verification on a phone number that I do not have any more I even was in the branch located in Maine with my friend with multiple forms of identification. Please help
Consumer complaint received 2019-08-19
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. (MS)

The late payments reporting on the accounts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..
Consumer complaint received 2018-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (MI)

I have improperly been denied credit from Care Credit, XXXX XXXX. I have a credit card with them for over a year always paid timely where they have increased credit line without request. Care Credit told me over a year ago I had to have credit with them greater than six months. It's been over a year!
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from SECURITY CREDIT SERVIC/ XXXX XXXX last reported XX/XX/2021 in the amount of {$1300.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both SECURITY CREDIT SERVIC/ XXXX XXXX XXXX and have not received any reply back
Consumer complaint received 2021-05-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NJ)

I have not been able to access my online statements for my 11 CD savings accounts at Marcus Bank as detailed in a prior complaint here XXXX XXXX ), which you closed at the bank 's request on their say so. In the prior complaint that was closed in XXXX, the bank claimed to be putting in a fix by XX/XX/2021. It was not fixed by XXXX when I check on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the bank claiming it fixed the issue. They fixed my savings account and I was now able to see the listing of my statement now back to XX/XX/2021, which is when this problem first started. After I hung up the phone, I started downing my 2021 statements. When I got to the first of my XXXX CD accounts this is the error message I got : { " requestId '' : '' XXXX @ XXXX '', '' status '' : '' ERROR '', '' error '' : { " code '' XXXX, '' message '' : '' Error getting document by XXXX '', '' fields '' : { } } } For 5 months I been trying to get this fix as detailed in the prior complaint. My wife has lost all faith in the bank and fears for the safety of our money. I am now taking steps to remove our money from the bank even if it means taking penalties. It is better to lose a few hundred dollars in interest than $ XXXX of our money held in their bank. 

I have lost faith in the federal government to ensure the safety of our money. Marcus Bank does not have the ability to safety manage or control their computer programs. If they can't manage their in house software, how safe is my money from a computer hacker or from some other cyber security flaw?

And another fact, Marcus had to restate all of the XXXX statements because of some glitch. 

If the CFPB is not concerned then maybe the FDIC should be since they may have to cover the lost.

A review of Marcus Bank XXXX page has many others concern about their money 's safety and the bank 's computer abilities. My wife detailed our issue and the bank took down her post. What are they trying to hide? Only after she detailed how we filed a complaint with CFPB did it stay posted. 

It comes down to this. An online bank should have accurate online statements. Since the beginning of 2021, that has not happen for the 13 accounts that I had at the start of 2021 and now I can only get 1 out of 12 statements online for the month of XXXX. 

I have try 24 times via chat, registered letter, phone calls, even a prior complaint for over 5 months to get this fix.
Consumer complaint received 2019-08-19
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: Experian Information Solutions Inc. (FL)

I've sent several requests for dispute via certified mail and the results come back as verified and accurate but bo proof of this has been provided by the credit bureau. Per the law; the credit bureau has an obligation to provide me with the information they have that states this is item that is on my personal file actually and factual belongs to me and they have not done that.