davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

I was a customer for XXXX XXXX  or Chime. I was receiving unemployment. They locked and closed my account with no explanation. I lost {$5000.00} because Chime never refunded my money when they closed my account with no explanation.
Consumer complaint received 2018-03-07
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: EQUIFAX, INC. (VA)

As ofXX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX sinceXX/XX/XXXX
Consumer complaint received 2018-03-07
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. (VA)

As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2021-09-18
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I financed a used car with Capital One Auto Finance. I recently paid the vehicle off. After receiving a 10 day payoff amount I submitted a checked dated on XX/XX/2021. I over night the check with Capital One receiving the check on XX/XX/2021. Capital did not process the check until XX/XX/2021 and using the XX/XX/2021 as the pay off date after acknowledging having received the check on XX/XX/2021.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Aargon Agency, Inc. (MO)

Aargon Agency Inc, collection agency, is listed on my credit report and has been not deleted. I was told once debt is paid, credit bureaus will delete information. I confirm with debtor, XXXX XXXX, that debt was paid this year. However, collection remains with credit bureaus. Also, I disputed many times and still nothing is removed.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I have 2 credit cards with Citizens bank. Ive been a long time customer of theirs. 

I had several hundred dollars worth of cash rewards on both cards. 

I called in at the beginning of this month, asking if I could use the cash rewards to make my payments for each respective card, money is tight as my wife is out of work. 

In both cases the representatives said that was perfectly fine, I verbally gave them permission and assumed I was all set until next month. 

Today I found out that in both cases the Payment from cash rewards did not actually count as a payment, it just reduced my balance and this was not communicated to me. 

So both of my cards are overdrawn now, with late fees that invalidated the cash rewards. If I had taken the reward as a check, and then paid with that money it would have counted as a payment. 

This seems incredibly shady, the fact that two different representatives never thought to mention that a payment wasnt actually a payment for 2 separate cards on their due dates is troubling. 

I called them, spoke to several people but they would not help. 

I work for another bank, we have to keep perfect credit and up until now I had that.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AZ)

I'm a XXXX XXXX XXXX  using my PayPal Credit account to make a large purchase. 
Amount XXXX Card limit XXXX Available credit XXXX Gym equipment from XXXX XXXX XX/XX/XXXX. 
The transaction was flagged for review to the amount and rejected for " compliance reasons ''. I've requested an explanation of this description but they've failed to provide, they have provided misinformation while troubleshooting, and altogether can't seem to figure out what the issue is. The funds were held for a week while they tried to figure it out. Upon their request, I retried the transaction multiple times. It failed multiple times. Now, the vendor prohibits me from submitting any transactions as a security precaution. 
My gym purchases directly affect my ability to service my clients. Equipment is on back order and rarely in stocks as well. Being unable to submit this transactions reduces my revenue opportunity and places significant delays on an already stressed market.
Consumer complaint received 2022-11-19
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. (DC)

I requested a copy of the legal agreement for this account showing my signature. I also requested a copy of all related documents with my authorization and acceptance of terms and conditions. I received a response stating that the account was reported accurately but did not receive the requested documents. I tried to request the same information a second time and was denied. I was told I could only request this information once and the company verified as accurate. I submitted another request asking for an explanation from the credit agencies on how they can verify something I never approved. That request was also denied. 

In accordance with the Fair Credit Reporting act XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-04-07
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX XX/XX/XXXX EQUIFAX To whom it may concern, please help me sir or maam! 

You are reporting and publishing inaccurate information ( tradeline ) accounts, personal info, late payments, and inquiries in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. 

The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. 



FRAUD WRONG PERSONAL INFO DELETE XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX INQUIRIES DELETE XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I request that you DELETE/REMOVE the above-listed FRAUDULENT accounts, personal info, late payments, collections and inquiries off my credit report. 

Please provide me with an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. 

For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address along with a police report of fraud on my profile. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 

Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 

Regards, XXXX XXXX
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/XXXX I was informed that my account was under suspicious activity. I was a check along with instructions 2 deposited into my account. Then the focus turned toward me and I became the one that was under suspicious activity in my account. The policy state that I will be able to get my funds within 3 to 5 business days 7 to 10 business days. I was never able to get full control on my account. As I spoke with their representat I've got the run around. I was beening sent bank statement stating that the account was allowing Merchants to get money from my account but they froze my cards and I couldn't ever get my money back even unto this day.This investigation lasted from XX/XX/2022 until XX/XX/2022.
Consumer complaint received 2022-05-02
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. (NJ)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In 2020, my XXXX XXXX XXXX XXXX XXXX from a computer I bought from XXXX. It also caught a spark and burned the motherboard completely. I explained that this was the third time they had changed the motherboard and the harddrive and was still giving me problems, including the fact it would get too hot. I explained my machine was a lemon and I wanted a new computer or a refund and they completely refused. They offered no more help even though I had paid the premium technical support. Claiming that I had already had three changes of motherboard and harddrive and they wouldnt be able to do anything further. 

When I saw I wasnt getting anywhere with this, I stopped paying for it. I felt I was robbed of my money. That computer was only 6 months old. XXXX then turned around and sold my account to Portfolio Associates. I showed them the photos of the XXXX, I explained to them that XXXX refused to exchange or refund my purchase, and they still insisted I owed this money. 

I had previously paid XXXX {$700.00} of the {$1200.00} total. Portfolio Associates says that I owe them XXXX even though I had previously paid {$700.00} to XXXX. I only truly owe {$500.00}. They currently remain with an overcharge amount in my account and have ruined my credit. 

I have spoken to all the credit bureaus, XXXX and XXXX refuse to delete the amount from my account even though I also showed them the photos and evidence. Furthermore, I found on the internet that this was a common issue with those laptops and XXXX has never issued a recall or to exchange the parts. 

This charge is not my fault. I do not owe that money. That laptop should have been exchanged or refunded. It obviously has a heating issue and was faulty from the start. The model is XXXX XXXX XXXX but most of the XXXX have this issue. 

XXXX  and XXXX  are also at fault for allowing the crooks at Portfolio associates to continue to put a blemish on my credit despite the fact they were informed about everything and for the overcharge. 

This has been a gross oversight from all sides, and I will keep fighting it until it is removed from my credit. Paying {$700.00} for that laptop was already TOO MUCH. I would like to take it to court, but I was informed I can not because it can only be heard in small claims court unless a larger class action suit is filed. I feel powerless and I am not a thief. I pay everything I owe every single month. There is obviously an issue, and NO ONE IS LISTENING TO ME OR PAYING ATTENTION!
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MD)

Do to Financial problems health problems we fell behind in our mortgage we were advised to apply for a mortgage modification that would be helpful in our time of need .We Applied in XXXX and have got the run around ever since then it seems is though the lender is doing every thing to discourage us from even getting to a point of rendering a decision my husband who is XXXX and myself a small XXXX XXXXXXXX XXXX have paid our bills religiously and have now fell on some hard times.we really need to ave this done we are falling further and further behind the lender is threatening foreclosure rather than assist us to modify the our property.Each time we send what is requested we are told we have to wait to verify receipt days later if it has been verified we have to call continuously with no return calls to us it is very disrespectful and callous
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

In XX/XX/2014 I was admitted to the hospital with XXXX XXXX caused by XXXX XXXX in the apartment I was living in. After being released from the hospital I continued to have issues and was sent to see a XXXX XXXX. He determined that the continues exposure to the mold was causing damage to my XXXX and advised me to move out of the apartment as soon as possible.He also sent the apartment a letter stating that my remaining in the apartment was detrimental to my health. Since my lease was almost up I went ahead and paid my lease up in full. However the XXXX XXXX XXXX XXXX XXXX told me that I didn't give them 60 Days notice I was moving out I would have to pay them for not providing them with 60 days notice despite the letter from the doctor. They turned this over to IQ Data International for collection. I tried to work with the apartment complex and their lawyer. They refused to work with me. Since that time every year since then the amount has gone up. It is now over {$4000.00}. I have permanent damage and can no longer work. I don't feel that what they did was fair or right.
Consumer complaint received 2022-05-02
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. (GA)

On the XXXX of XX/XX/2022, I sent a letter requesting investigation and removal of several accounts reporting on my credit that have incorrect opening dates, last payment dates and missing full account numbers. These accounts have not been removed OR updated. They still remain on my credit report, negatively affecting my credit file. It has been over 60 days and I have received no response or updates from the credit reporting agency
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I purchased an item via PayPal on XX/XX/XXXX for {$57.00}. The item was not received until XX/XX/XXXX and is substandard at best. I have tried to get PayPal to honor their 100 % MONEY BACK GUARANTEE ( see attached ), but they have not to date. The company says they will refund my money if I return the item to XXXX at MY expense which will cost me in excess of {$60.00}! The company 's warranty ( see attached ) says they will pay for return, but so far they will not answer me. I have attached the pictures of the ad for the item as well as what it really looks like. It's supposed to be a night light for a grandchild, a XXXX present, that took two months to deliver. I would like for PayPal to honor their 100 % MONEY BACK GUARANTEE as show on the check out screen I have attached.
Consumer complaint received 2022-11-19
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX Original Creditor : XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Balance : {$310.00} ; XXXX  XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.