davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been trying to access my FREE TransUnion credit report for weeks now, and the message I get is " we are unable to access your report at this moment '' every time I call I get the same excuse they say " It's under maintenance '' without any other explanation, and they just say they do not have access to it, however, they keep reporting to it. On XX/XX/XXXX a negative account was removed from my report and the score should have increased, instead, it dropped for an unknown reason. The same thing happened on XX/XX/XXXX my credit score dropped a ridiculous 67 points when I checked why the only thing changed was two of my balances DECREASED! this should be a good thing, not a bad thing to have caused my credit score to dropped. I demand an explanation since I do have a good credit history and there should be no reason why my score should have dropped 86 points in less than a month because my balance decreased and a collection account was removed. This is crazy, pathetic, and unheard of. Since they aren't willing to assist and give me a logical explanation as to why my score keeps dropping I am filing a former complaint with Transunion.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (CA)

Asked for assistance over a month ago ( XX/XX/21 ) with issues with my account. I've been locked out due to having no 2FA codes for my account. It asked for 2FA codes even though I had not set a 2 step factor authenticator.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (TX)

Hello, I have an HSA account with UMB and they refuse to give me my account number. 

I need my account number to pay my insurance premiums and the only way the insurance company accepts payment is an electronic ACH. 

Furthermore, I am set up to have online account access and my account number is not available online and they do not provide statements monthly but quarterly! 

How is this legal!?!
Consumer complaint received 2022-04-27
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: Santander Consumer USA Holdings Inc. (GA)

In accordance with the Fair Credit Reporting act Account XXXX by Santander Consumer USA, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Added two derogatory mark on my credit report Per XX/XX/XXXX. Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, PORTFOLIO RECOVER ASSOCIATES has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019 I called Paypal credit to make payment arrangements, they told me my account was sold to XXXX XXXX XXXX XXXX, they gave me the number and I called them immediately and set up a payment arrangement of XXXX  a month, I made a payment that day and asked for a confirmation letter to send to me . I waited, no letter I called 3 times asking for a letter XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I finally received a copy of the original letter sent on theXX/XX/XXXX with a different amount of" willing to accept"  than a letter I received in the mail after our initial agreement .I made a payment on the XX/XX/XXXX. On XX/XX/XXXX I tried to log on and make a payment but could not log on,  on XX/XX/XXXX I called XXXX and they told me that Synchrony bank took the debt back . I call Synchrony bank and the agent said I owed the total amount i refused and said I had an agreement with XXXX and that is what I am going to pay, he would check into it and get back with me, as on XX/XX/2019 I have heard nothing. This is the second time Synchrony bank has done this to me.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (LA)

In accordance with the fair credit reporting act XXXX XXXX XXXX and XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A-states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-03
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My problem is with Capitol One. 
When I received my XXXX Statement there was a charge of {$39.00} which I did not authorize. I reported it to Capitol One and they responded by Canceling the Credit Card. I waited 2 weeks but received no response. So I paid Capitol One my balance of {$500.00}. I have to this Day not received any response from Capitol One except they send me bills. The charges are a fraud. I could not have used the card because Capitol One had closed the account as of XXXX. 
Please help me. I am XXXX XXXX old living on XX/XX/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 — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently received my Equifax credit report. I sent them a letter on XXXX XXXX XXXX along with proper verification. I stated that the incorrect personal information and inquiries on my credit file was due to fraudulent. After receiving the results that was still remaining. I called Equifax to report it again and nothing was done. I also put a fraud alert on my account after noticing this incorrect information.
Consumer complaint received 2018-02-26
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. (PA)

I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX
Consumer complaint received 2018-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

On XX/XX/2017, XXXX XXXX charge late fees in connection to my mortgage in the amount of {$100.00}. I have paid my mortgage bills on time, and I wrote them twice about this matter, and they never responded to my letters or my phone calls. I have documentation of my payments shown in my bank account statements, and have the letters that I mailed them. I am requesting them to refund me back the {$100.00} because I was wrongly charged. I would also like them to remove any bad remarks they sent to the credit bureaus Thank you.
Consumer complaint received 2022-04-07
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate AccounXXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX BALANCE XXXX XXXX XXXXI Account Number : XXXX As a consumer by law this account must be deleted immediately 6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-02-26
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. (PA)

I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX
Consumer complaint received 2017-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE AUTO FINANCE Date Inquired :XX/XX/XXXX I received an alert from my credit monitoring company on XX/XX/XXXX and was informed that an inquiry has shown up from Capital One Auto Finance. I have not and did not authorize any applications with Capital One. I do not have any records of inquiring for an auto loan with Capital One. I called capitol one and they did not have an application on file for me name. I contacted bureaus and placed a 90 day freeze on my account and I also filed a police report for fraud activity. If you have any questions please contact me at XXXX. 

Thank you.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

My mortgage loan ( with XXXX XXXX ) disappeared from my credit report- it was being reported previously for the 12 years I've had it. All of a sudden it dropped off my credit report. I contacted my mortgage company and they show my loan and have contacted credit agencies but the loan is still missing from my credit report.
Consumer complaint received 2022-04-07
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: BARCLAYS BANK DELAWARE (NY)

I have identity theft, there is a credit card that is not mine on my credit report from Barclays Bank that is not mine which was Opened XX/XX/22. I called the bank and they will not close or freeze the account without the application ID. I had filled out an application for a XXXX XXXX card in flight XX/XX/22 and you give the application to flight attendant. The bank told me the card only has my SS and they need me to call XXXX. 
I have tried for 2 days and can not get a person on line only a recording that disconnects me eventually. I have spent hours trying. I called XXXX and they said I need a person at XXXX but how? I was trying to save them {$16000.00}, help!! 
There is an incorrect name on my credit report, I do not know if this is part of it, if I could speak to a person and have it removed.
Consumer complaint received 2022-11-16
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. (TX)

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Consumer complaint received 2022-04-27
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. (LA)

In accordance with the fair credit reporting act XXXX XXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A-states I have the right to privacy.

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

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.
Consumer complaint received 2022-11-16
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. (TX)

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DE)

XXXX XXXX XXXX XXXX Paypal Merchant ID - XXXX It's been over a year since PayPal froze the money in my account. When I added a card for instant transfer, I encountered an error message stating, " Things don't appear to be working right now. Sorry, somethings not right. Please try again later. '' So, I contacted PayPal on XX/XX/XXXX. The representative informed me that I had added a new card ending in XXXX to the account, and due to security measures, I couldn't withdraw funds. They advised me to wait for 72 hours, assuring me that after this period, I would be able to withdraw. 

After the 72 hours elapsed, I attempted to withdraw again, only to encounter the same error. I contacted PayPal once more, and this time, the representative told me that I needed to confirm the pending charges on the card. They initiated a {$1.00} pending charge to my card and requested the code that accompanied this transaction. After confirming the card, I tried to withdraw again, but I still faced the same error message.

The representative explained that due to my recent confirmation of the card, the 
security system was still preventing withdrawals. They advised me to wait another 72 hours. Once again, I waited, but upon trying to withdraw after this period, I encountere

d the same issue. Frustrated, I called PayPal again. This time, the representative suggested trying to withdraw via bank transfer. As I attempted to link my bank account during the call, I received an error message stating, " This account needs a little help to link it. Contact us, and we can help with that, or you can link a different account. '' The repre
sentative instructed me to wait another 72 hours to attempt linking my bank account to PayPal. 

By this point, I was beyond furious. The numerous errors related to the security system were causing immense frustration. Feeling exasperated, I decided to try withdrawing via check by mail. However, when I attempted to do so, the website redirected me to link a bank or card.

I explained the situation to the representative once again, and they advised me to wait another 72 hours before attempting to withdraw via check by mail. At this point, I was at my wit 's end. My last resort seemed to be contacting the Consumer Financial Protection Bureau ( CFPB ) to retrieve my hard-earned money.
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland credit management Does not have the right nor do these company obtain the a legal license to collect in newyork state they have damaged my credit by fraudulently attempting to collect debts in a state that they do not obtain a license to collect from this has caused extreme mental stress from these illegal actions
Consumer complaint received 2022-04-07
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a phone call in regards to a legal matter from phone number XXXX instructing me to call XXXX XXXX and XXXX with file number XXXX. Not only did I receive a call, but third parties in my family received a call/voicemail in regards to this false matter. This is a blatant breach of guidelines set forth by the FDCPA. I have since forwarded all proof of this said account that is in default to the following email address XXXX XXXX
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX
Consumer complaint received 2022-04-27
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. (LA)

In accordance with the fair credit reporting act XXXX XXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A-states I have the right to privacy.

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

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.
Consumer complaint received 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Recieved an offer for a credit card sounded really good. Interest free for a year and a half and I get XXXX promotonal after I spend XXXX. My credit score is around 800 I am using XXXX percent of the credit I currently have available. They declined my application and offered me a different credit card. I now have XXXX more hard inquiry on my credit which lowers my score. I feel this is a typical bait and switch scam they are perpetrating and this needs to be stopped. I called the company and talked to a customer service person who then transferred me to a manager the manager never came on the phone and they hung up on me