davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
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)

XXXX ; Experian and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2019-10-30
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. (FL)

XXXX ; XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was compromised and my debit card was also stolen. I did a dispute with my bank and they gave me the money back temporarily. 

Now they are threatening that they are going to take the money back on the XX/XX/XXXX of this month. They are claiming that " the activity was authorized '' but I never authorized any of this.This is not fair!
Consumer complaint received 2021-08-11
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. (TX)

I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and XXXX, Transunion and XXXX. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to XXXX  and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (OH)

My issues is that Target sent an unauthorized payment to my bank in the amount of {$28.00}. I attempted to call the customer service line and was unsuccessful at getting through, I then called my credit union and notified my branch that a duplicate payment had been sent to my account. 
After filing the dispute and receiving the funds back to my account, I then reach out again to Target. I explained what had happened. I was told by their customer support that I was being charges a fee for a returned payment and they would not adjust this fee. I was told that the payment was sent by an auto pay. Auto Pay had been suspended in XX/XX/2020 and for 3 month did not automatically sent a payment to my Credit Union. Furthermore, I would told the auto Pay was only temporarily suspended so it was my fault. First I was told the suspension was for 30 days. then 60 days, In fact, I took it off on XX/XX/XXXX, Screenshot the notification, and called Target to verify it was cancelled. I was not notified it had been turned on nor did it show up when I made a manual payment. 
I made a payment every month! I had told Target I was possibly filing bankruptcy in XXXX and closed the account in XXXX. Three weeks later the auto pay restarted ; sending two payments to the credit union. This is an unfair charge which they have indicated quite clearly that they will not do anything to resolve.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Pennsylvania sends it's PUA benefits to US Bank Reliacard. There is no option for a paper check or direct deposit. 
On XX/XX/20 I logged into my US Bank Reliacard account and put in a transfer to my checking account which I have done numerous times. This transfer would normally arrive in my checking account the next day. After a week the money was still not in my checking account. I called them on XX/XX/20 to find out why the money was still not in my account. They told me it could take up to 5 days to complete the transfer. 
On XX/XX/20 the amount of the transfer was credited back to my Reliacard. I attempted to call them numerous times and was disconnected by their automated system due to " heavy call volume ''. 
I finally reached a representative on XX/XX/20 who told me my account had been flagged for fraudulent activity. I asked him what that activity was and was told he didn't know. I was told to FAX a copy of my driver 's license and account number to them and my account would be reinstated. I did this on XX/XX/20. I was told my account would be reinstated within 48 hours. 
As of XX/XX/20 my account is still inactive and I am unable to access the money in the account. I have tried to call them and am getting disconnected due to " heavy call volume ''. 
This company is appropriating funds from people and giving them no access to the money and no way to contact them. In short they are stealing.
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NM)

XX/XX/2020 - I m

ade a paypal payment to my landlord. He refunded it immediately. Since then I have been told by paypal that was to expect a refund within 30 days of that transaction ( to my visa debit card on file ). The
bank was aware of the transaction as well.

Paypay is telling me now that the amount was credited to my bank - the bank has verified that it is NOT in my account nor is it pending. It has now been over 2 months since the money should have been returned and it is not returned. Paypal will now not answer my requests to speak to a representative, but gives blanket answers that I should have the money. My landlord also verified with his bank that the money did not go to his account.

I want the {$900.00} returned to me by Paypal that was supposed to  be returned in XXXX.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received today an email from Capital One Venture Card stating that they reduced my credit limit to {$5000.00} from {$10000.00} effective immediately without prior notification. I called Capital one several times to see how much they were looking for me to charge each month to keep my credit limit to {$10000.00}. No one could answer that question and told me I would have to talk with a credit specialist but they had no credit specialist with which to talk. In all the years I have had a credit card, I have never had a decrease in credit. I have always paid my bills in full on time. In spite of having substantial liquid assets and income, we have been unable to resolve this problem with Capital One.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (CO)

I keep getting unwanted phone calls from a company that is using a " XXXX XXXX '' tactic. I block one, they call again from another number. I called them back today and they tried to get me to give them all my personal information stating they were trying to collect a debt from a company called XXXX. It looks like The original company has sold a debt that was either old, charged off or mistaken which means the original debt is no longer valid, has been written off on taxes or collected reimbursement through their insurance carrier. I can not locate any information in the form of a " Signed Contract '' wet ink signature stating that I owe any debt to this company or any subsidiary. The collection company has been advised to stop contacting me as they have never sent anything in writing stating my rights to challenge the debt within a 30 day period so therefore they are operating by illegal standards of trying to force me to acknowledge a debt that I do not have. If this debt collection company has purchased this debt from the original creditor, and the original debt was written off then the debt is no longer valid when it comes to anyone. This collection company was asked today via the phone, do you have the original contract, the agent said No we do not have that on file, then how can you prove that I or anyone else owes anything to you. Simply sending a statement is not an obligation to say a debt is valid. This collection company FIRST FINANCIAL ASSET MANAGEMENT with a phone number of XXXX has called me from a XXXX several times and I have asked them to cease and desist with all calls bu they keep calling me and harassing me. I do not have a contract with them, I do not owe this company anything as I never entered into any agreement with this company but yet they keep trying to get me to divulge my personal information to them by simply hiding behind " This is an attempt to collect a debt and information can be used to do so '' tactic. Any further attempt to call me or write me will be considered harassment and will be turned over to the State Attorney Generals office. Any attempt to harm my credit by placing a fraudulent collection on my credit will be met with swift legal action. Any attempt to force me to pay a debt, or settle a debt that is not owed to you by a legal, contractual obligation will be met with complaint after compliant being filed with the CFPB for every attempt that you use to call me from a fake phone number or to send me any illegal letter stating that I owe you something when I do not. A contractual agreement is between two people that acknowledge a financial obligation to pay a debt that is legally owed. I do not KNOW THIS FFAM company and have never dealt with them in any capacity and I want them to stop contacting me.
Consumer complaint received 2021-09-15
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-09-22
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. (NY)

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.
Consumer complaint received 2020-09-22
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. (NY)

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.
Consumer complaint received 2023-03-22
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. (TX)

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 : 1. Account name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : 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 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 2017-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

Hello, I am asking for assistant with Common Wealth Financial. I disputed this collection agency on XX/XX/XXXX and the month of XX/XX/XXXX. I am requesting a validation of the debt ( not a verification ) that I have a signed contract signed with Common Wealth Financial per Fair Debt Collection Practices Act laws. I also request a contract validation of my signature and their signature not a copy of a bill. If they can not provide documentation I request that this debt be removed from my credit file with all three credit bureaus, per Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TX)

Easy to read billing statements? I dont think so. Nothing could be more confusing. 

Ive made XXXX payments over the last 8 months. Total amount paid in {$3300.00} towards a loan of XXXX. XXXX Date : XX/XX/2024 XXXX XXXX XXXX balance is XXXX after my last payment of {$200.00} This cant be right. According to this statement Ive only paid {$110.00} towards the XXXX balance. 

To make it so confusing I have XXXX deferent amounts showing for my Balances Something is really screwed up. This is criminal. 

Please correct the errors on my account immediately. All previous payment authorization are now revoked. You do not have my permission to submit payment request to my account on file, please remove my banking information from the database, Please provide me with a clear and understandable statement with the correct account balance. 

Previous Balance : {$3100.00} Current XXXX Outstanding Principal Balance : {$2700.00} New Balance : {$3100.00} Nothing Adds Up. 


Current XXXX Payment XXXX Due Date : XXXX XXXX ACCOUNT SUMMARY Credit Limit : {$3200.00} Outstanding Principal Balance : {$2700.00} Available XXXX : {$450.00} AMOUNTS DUE Minimum Payment Due : {$190.00} Due Date : XX/XX/2024 Your Minimum Payment includes your Billing Cycle Charge {$170.00} and a {$27.00} Mandatory Principal XXXX XXXX XXXX Outstanding Principal Balance. Any XXXX XXXX XXXX is not included in your XXXX XXXX. 
Amount Past Due ( Due Immediately ) : {$0.00} STATEMENT SUMMARY Previous Balance : {$3100.00} XXXX Error Advances : {$0.00} Payments and Credits : {$200.00} Fees ( Billing Cycle Charges ) : {$170.00} New Balance : {$3100.00} XXXX These numbers cant be the correct Balance
Consumer complaint received 2021-04-27
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: Lockhart, Morris & Montgomery Inc. (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
Consumer complaint received 2024-05-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Allegiant Capital Recovery LLC (TN)

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a collection for a loan from XXXX XXXX XXXX . They stated the amount owed and gave me the settlement amount. I made arrangements and paid the full amount in XXXX. Now I am being contacted by Allegiant Capital Recovery ( https : //www.allegiantcapitalrecovery.com/ ) regarding the same loan and they state that I still owe. I have contacted XXXX XXXX  XXXX and XXXX XXXX, a representative of the company, stated that they would send a cease and desist letter to Allegiant Capital Recovery and assured me that this debt is not owed. This debt was paid off in XXXX. I have proof that I paid XXXX XXXX XXXX for the debt. The loan from XXXX XXXX is so old I can not even remember when the loan originated. I am getting called daily by Allegiant Capital Recovery. I will attach everything I have received from both entities. I had also previously received calls in XX/XX/XXXX from a separate company called XXXX XXXX XXXX. Those calls did stop.
Consumer complaint received 2023-01-30
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. (FL)

XXXX XXXX XXXX  {$0.00} - - -No Data Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Phone number not available Date Opened XX/XX/2015 In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-05
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. (FL)

in accordance with the fair credit act XXXX account # XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2022-04-05
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. (FL)

in accordance with the fair credit act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certegy Holdings, LLC (SC)

I attempted to make a purchase at the XXXX XXXX in XXXX, SC XXXX, on XX/XX/2024. 

The purchase was for {$9.00}, the company Certegy Payment Solutions , LLC, XXXX XXXX XXXX, XXXX, FL. XXXX my XXXX, XXXX. 

I contacted them that day and I requested their response in writing, I received their response today, all it is general information, I contacted them today by phone and received the same general information from them. 
I need to know why a check for {$9.00} was declined and I was made to be humiliated publicly by this company.