davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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)

The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-06-16
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. (TX)

The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-06-16
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: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX XXXX XXXX XXXX is reporting fraudulent activity to ChexSystems under my social security number. They are falsely accusing me of fraud activity, and showing that I have an unpaid balance with them in the amount of {$2300.00}. Their claim is not only false, but it is also defamatory. 

I have been denied credit due to their lies, if they do not remove this listing immediately from the ChexSystems report under my social security number, I will be seeking damages due to their defamatory actions!!
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (CA)

I have an upgrade credit card and there are multiple fraudulent charges and Upgrade credit card is not willing to investigate this instead they are declining my report even though i have provided them with police report and everything.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (NC)

The company responded to my credit report complaint and attached a transaction history which has false information. 

Transaction history shows on XX/XX/XXXX XXXX days past due when payment was made XX/XX/XXXX XXXX  $ {$320.00}. 
The next line shows XX/XX/XXXX assess fee to account and reflects XXXX days past due. 

From XXXX how do we go from XXXX pays due to XXXX past due in 1 month and a half?
Consumer complaint received 2022-06-16
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: P.S.C., Inc (WA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

I realized today that Amsher # XXXX is on my XXXX credit report, The information being reported is FALSE and amsher never sent me anything before I seen it today on my XXXX credit report. 

I received nothing from this company notifying me regarding this alledged debt that is not mine. 

I will sware in a courtroom that this debt does not belong to me and that I never had an account with XXXX or amsher. 


I am requesting complete validation as I dispute this debt in its entirety. I also request the purchase agreement that they have with XXXX 

I also am requesting this alledged debt be removed from all credit reporting agencies that amsher may be falsely reporting this debt to.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I got a call on XX/XX/2024 from XXXX XXXX about a vehicle that i did not try to purchase. so i took a look at my credit inquires and i see quite a few on there that i did not authorize. including this one.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain amount of time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.
Consumer complaint received 2022-06-16
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)

N accordance with the fair credit reporting act XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IA)

My son sent me money through PayPal using the family and friends method and PayPal has it on hold for no reason. Its in my account now but I am unable to do anything with it, I cant withdraw it, I cant send it, I cant spend it or refund it. After giving me the run around for 8 hrs yesterday I finally spoke to someone that was able to bypass all the security and I was able to withdrawal only half of it. When I tried the other half I get a error, so I contacted PayPal again and they tell me its on hold for 24hrs because of security risk, how is there another security risk when I just spoke to someone and they bypassed everything after I verified and confirmed my identity already. I decided to give up for the day then this morning I attempted to withdrawal it again and it didnt work. So I contacted PayPal and followed all the instructions they gave me, tried to withdrawal it using a different card and stuff because they told me it will work, well it didnt work. All morning Ive been messaging a rep at PayPal and he keeps giving the run around and lying to me, now suddenly instead of a 24hr hold its now a 72hr hold. I followed every direction he told me to follow and now its a 72hr hold. He caused it to become 72hrs not me. I would have had only a few hrs left if it wasnt for him. They keep bring up security system and risk when Ive done nothing at all myself to trigger such a thing. I need my money so I can buy my daughter milk and diapers, I got XXXX kids I cant wait 72hrs to access my funds. It was money that was sent to me by my own son, all I did was try to withdraw it from PayPal to use, how did I trigger any security flags. Ive spoken to at least 10 different reps at PayPal and they keep on lying to me and giving me the run around, what kind of business is PayPal running, they are scamming people at a time like this when were in a pandemic, theres suppose to be relief and support going around but they are causing nothing but stress and hardship, they are taking time away from me and my family. I know they can bypass whatever security system and let me withdrawal my money because one person was able to already. I just want them to give me my {$100.00} and I wont do anymore type of businesses with them anymore, they are the worst, what they are doing cant be legal.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I have been trying to get this stuff figured out since XX/XX/2023. I had 2 erroneous late payments thrown onto my credit report, that has seriously damaged my credit and my reputation. After alot of investigating and phone calls we finally came to the conclusion that Citi Bank is the company in charge of Best Buy 's store branded credit cards. And they are the one 's who committed this HUGE reporting error on my credit report. Please see the attached document directly from best buy that proves my case to be correct. Not only did I cancel a subscription that i never signed up for, but i was also refunded the full amount of this hidden subscription that they gave me ( XX/XX/2023 ). In XXXX and XXXX of XXXX Citi bank again violated me by placing a 30 and 60 day late payment on my credit report, for the subscription that was canceled back in XXXX of XXXX. How can a company of this magnitude make such a huge mistake? I've lost sleep, had to put buying a house on hold, and the worst part is that nobody has helped me.
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (GA)

This dispute is for a XXXX XXXX XXXX. Flagship Credit was the lender. This vehicle is listed on my credit report at {$18000.00} balance amount purchased on XX/XX/XXXX. This vehicle had several expensive repair issues within the first year of purchase. I spent thousands of dollars on auto repairs. I even asked the dealership for help and they ignored me. I surrendered the car in XXXX of XXXX after the engine went completely out. The cost to repair the engine was more than the value of the car. I surrendered the car back to Flagship Credit, and they sold the car at auction. The selling price was {$2700.00}. All of the payments that I made on the vehicle were mainly used towards interest rates, which kept my principle payments nearly nonexistent. Flagship Credit charged me an astronomical interest rate on a vehicle that was obviously not worth the price. The vehicle was sold at auction for a fraction of the price I'm being held responsible for.

Flagship Credit has charged off this account and sold it to XXXX XXXX collection agency. This is reporting the same vehicle on my credit report twice. Now XXXX XXXX is harassing me for payment when I never authorized or signed any contract with this company regarding this debt. XXXX XXXX is showing a balance of {$8200.00} There is an obvious discrepancy in the handling of this account which is causing me great suffering. There are conflicting balances and inaccurate information listed on my credit report from both of these agencies. Flagship charged off this account meaning they wrote off this debt and sold it to Synergetic meaning they were compensated twice on the same vehicle. My credit is damaged due to this inaccuracy and it is negatively affecting my way of living.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I have been trying to get this stuff figured out since XX/XX/year>. I had 2 erroneous late payments thrown onto my credit report, that has seriously damaged my credit and my reputation. After alot of investigating and phone calls we finally came to the conclusion that Citi Bank is the company in charge of Best Buy 's store branded credit cards. And they are the one 's who committed this HUGE reporting error on my credit report. Please see the attached document directly from best buy that proves my case to be correct. Not only did I cancel a subscription that i never signed up for, but i was also refunded the full amount of this hidden subscription that they gave me ( XX/XX/year> ). In XXXX and XXXX of XXXX Citi bank again violated me by placing a 30 and 60 day late payment on my credit report, for the subscription that was canceled back in XXXX of XXXX. How can a company of this magnitude make such a huge mistake? I've lost sleep, had to put buying a house on hold, and the worst part is that nobody has helped me.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions you can contact me at XXXX XXXX XXXX.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Management Services, Inc. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inuaccrate information on ACCOUNT MANAGEMENT SER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I tried to use my debit card in a store my card was declined and I received a email stating. 
this. 

Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 

Questions? Give us a call at XXXX. We're available XXXX XXXX XXXX XX/XX/XXXX. ET. 

Thanks, Capital One XXXX XXXX XXXX XXXX.XX/XX/XXXX MN XXXX Products and services are offered by Capital One, N.A., Member FDIC. XXXX Capital One. All Rights Reserved. 



I contacted them right away to confirm my account activity and I was told someone would reach out to me and if I have any questions to email them at XXXX XXXX # XXXX I have been emailing them since then no one has made and y attempts to contact me either by phone or email. 

I called back a couple days later they said the correct email is XXXX Ever since then I dont know which one is the correct email abs which one is not the correct email as no one in there office gives the correct information when you call. I get the run around with every representative that answers the phone. One hand doesn't know what the other hand is doing.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Neon Newco Corporation (TX)

My account has been locked by XXXX. They locked it over some netspend cards that supposedly bought years ago. I was not notified in writing about any outstanding balances that needed to be paid or any warnings that if not paid my account would be locked. I am not even sure the accounts are mine. I have called several times and I continue to get the same answer that when I agree to pay, my account will be unlocked. I went ahead and agreed to pay but I'm still waiting for any change. I have been told by several representatives to wait 24 hours for change. The supervisor claimed to send an email to the " recovery department '', that doesn't have a phone number and can't be contacted by anyone in the company, stating this was an emergency and needed to be escalated. It has now been 24 hours and I spoke to XXXX in the disputes department and she said I should wait longer but there is no guarantee. I stated " this can't be legal and that I plan to call an attorney '' XXXX stated they respected my decision. I am filing a formal complaint because I feel this is fraud and something should be done about this company!
Consumer complaint received 2022-06-16
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 noticed this account on my credit report that does not belong to me XXXX XXXX XXXX XXXX  ... XXXX... XX/XX/2012...
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (NJ)

I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with XXXX and XXXX. XXXX has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a bbb report. XXXX accounts remain and I have received emails from XXXX stating that extra and kikoff ( XXXX ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and XXXX ). I have also wrote these XXXX companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a XXXX so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.
Consumer complaint received 2022-06-16
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: Duvera Billing Services, LLC (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/2023, I sent a request to research a transaction that occurred on XX/XX/2023, in the claim amount of {$460.00} on your card number ending in XXXX. 

It has come to my attention that USBank has failed to uphold its duty to safeguard my finances, allowing other institutions to levy unauthorized charges against my account. Despite my efforts to dispute these charges, USBank has neglected to conduct a thorough investigation to substantiate my claim. Furthermore, they have shown a lack of attentiveness to the details I have provided. USBank has also failed to provide clarity regarding the fees associated with the transaction in question. Consequently, I urge the Consumer Financial Protection Bureau to intervene in this matter, as USBank has not taken the necessary steps to address the discrepancies between the fees incurred, the cash dispensed, and the amount originally requested.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.