davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX the fraud department called me from Capital One and informed me that they were closing my credit cards because of fraudulent activity. There was a payment submitted but it did not clear and at the same time my mom who once was an authorized user was attempting to use the card. I did not know but the young lady went on to speak with me very un constructively. I was a card owner since XXXX. I was not asking for them to accept fraud but I needed a better understanding as to why they were closing both cards due to a misunderstanding. Now my argument is not stay it is for clarity and non was ever given. My credit history is now gone with a company, I was with since XXXX. I only had 3 late payments from XXXX, and the other card was closed and it had nothing to do with the original call for the other card. 

I mailed a detailed letter to Capital One regarding my issue and experience and no one has called or responded back.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

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 has violated my rights. Or a list of inquiries : 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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX I was contacted by XXXX XXXX  to gather a little more information for my vehicle loan. I informed the woman that I was not applying for a loan for a vehicle and her response was uh oh. After that I found that someone was trying to purchase a vehicle in three different states from five different dealerships while doing so online, I found that he had stolen my identity And put a stop to it immediately as well as a freeze on my credit bureaus I was able to dispute it. I believe it was XXXX  and XXXX but Trans Union will not remove it. The only thing I am concerned about is what happened on XX/XX/XXXX on my credit bureaus, as that was not me. I was also told to go to the sheriffs department and they will write a complaint that I can forward to the credit bureaus, but when I went there, they said they do not do that.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a Bank of America credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that XXXX had pulled 2 hard inquiries ( 1 without my consent through XXXX ) and suddenly I was getting hit with an issue with a Bank of America credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with B of A is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Reporting agency reporting information from an organization ( XXXX XXXX XXXX XXXX ) that I have no legal or contractual obligation with. Falsely reporting without consent of consumer. Organization not licensed to report in Georgia.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX has reported my account as delinquent/not current from the months of XXXX XXXX, XXXX XXXX, and now ( as of this morning ) XXXX XXXX to Transunion. Payments made in XXXX XXXX and XXXX XXXX were never late ( all made on time ) and were successfully removed from my Transunion report after multiple disputes. XXXX has a history of lying about when payments are due and when they will report them to the bureau as delinquent. I have asked for documentation and receipts to which they say they will not discuss with me further due to my complaints made to the CFPB. I have successfully submitted complaints and have previous delinquencies removed from my account in the past ( XXXX of XXXX XXXX XXXX ) due to their inaccurate reporting. They tell me they will " escalate '' the situation yet turn around and tell me they can not comment due to my reports to the CFPB. XXXX is a predatory lender who is careless with their reporting and seek to make angry consumers like myself go away simply by ignoring my complaints to them. I have proof of payments being made on time, yet they are constantly reported as being made a day later or past the cut off time for payment acceptance for the day.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX, XXXX XXXX , to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identity theft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting me a Wrong late payment in my credit report... they mus to provide this late paymentv as mine... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2020-01-14
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2016-07-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (MI)

Why is the cut off for qualifying for PAYE XXXX XXXX? I started college in XX/XX/XXXX and thus got my first government loan then. My husband and I recently tried to get a mortgage ( we 've never missed a rent payment in the 7 years we 've rented ) but my monthly student loan payments were too high for us to qualify for a mortgage. I 'm on the IBR repayment plan but with my private student loans my monthly payments are more than XXXX % of our total monthly income ( and that does n't include my husband 's loans ). Will PAYE ever include borrowers before XX/XX/XXXX?
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

I checked my account/credit report and a lot of accounts came up that I wasn't aware of. I have been a victim of identity theft for 10 years. I also was receiving unfamiliar accounts opened in my name that I wasn't aware of. I did not authorize any of these actions and suspects that my identity has been stolen. I am expressing my concern for resolving this matter and preventing further unauthorized activity.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (IL)

On XX/XX/24, I received an email indicating I had taken out a {$280.00} loan via Affirm for XXXX. I immediately check XXXX and no such purchase existed. I immediately reached out to Affirm to let them know this was fraudulent. On XX/XX/24, they sent me an email saying that it was my debt and I would have to pay it. I've requested to speak with someone and asked for proof of the debt. I've researched affirm complaints and it appears this is not uncommon behavior. Affirm is taking payments from me and not answering. This is not my debt.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2023, I was hired by XXXX XXXX of XXXX XXXX, that offer was rescinded two days before my start date. I came to find out that my report was indicating erroneous information that does not pertain to me. I lost an amazing opportunity. I need to have this information removed. My efforts were not successful with Transunion or other agencies. This matter is impacting my ability to become employed at the level that I need to in order to sustain my family, I am a single parent and am the sole provider for my son and I. This is a very serious issue impacting me as a consumer and job applicant.
Consumer complaint received 2021-11-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (CT)

For the second time TD bank has closed my debit card stating i needed to activate the new chip card they sent me and for the second time i have not received a chip card. I have now been declined making a purchase twice because they close my current card assuming i received a new XXXX in the mail. It is inconvienent and embarassing.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

I buy tools on XXXX XXXX the guys ask me to pay him through zelle. I do. {$170.00} on XX/XX/XXXX. XX/XX/XXXX $ XXXX the shipping fee {$60.00}. I do then a clearance fee {$87.00} then another clearance fee {$87.00} because the guy asking for it said he reached his limit on the email address he gave me to send his money. So he said after work he would send the money refund it back. And the seller said he would refund {$60.00} I accidentally send him extra. Also he wont give me the full tracking number for the package. He paints out the middle.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLIED MORTGAGE GROUP (FL)

I did a refinance loan with Allied Mortgage Group ( XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( phone XXXX ). I closed on the loan on XX/XX/2019. At closing XXXX XXXX XXXX representative told me you get a month off ( no mortgage payment for XXXX. ) I get a text from my previous lender ( XX/XX/XXXX) on XXXX XXXX stating my mortgage payment is still due XX/XX/XXXX. To my surprise I called XXXX the to inquire about this payment that was due {$990.00}. Turns out XXXX received the wrong payoff amount from Allied Mortgage Group and XXXX XXXX title. XXXX tried to reach out to both Allied Mortgage Group and XXXX XXXX XXXX XX/XX/XXXX and XXXX. They received no response back and they returned the payoff check back to XXXX XXXX XXXX. So from XX/XX/XXXX to XX/XX/XXXX I'm being charged extra interest in sum of {$380.00} from my old lender XXXX because the loan is still open. Not until XX/XX/XXXX did Allied Mortgage and XXXX XXXX resend adequate funds get the loan closed with now a higher pay off amount because of acured interest. 1. How did Allied Mortgage Group give the wrong payoff amount to the my previous lender XXXX? Why was the payoff amount not verified? 2. Why was the correct contact number and contact names for Allied Mortgage Group or XXXX XXXX XXXX not supplied to XXXX in case of a major issue like this one. XX/XX/XXXX I the customer had to notify Allied Mortgage and XXXX XXXX that my loan did not close and i was charged a extra {$380.00} in interest. Allied Mortgage Group and XXXX XXXX XXXX negligence has cost me a higher payoff ( XXXX extra ) that was not even disclosed anywhere on my closing contract. They are stealing money from me if they do not refund me the amount of {$380.00}.
Consumer complaint received 2024-02-02
Product: Credit reporting 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. (IL)

My Transunion credit report has an unauthorized inquiry from XXXX XXXX XXXX XXXX dated on XX/XX/2022 that I want removed. Ive spoken to them in the phone several times and they agreed that they have no accounts associated with my SSN and that I should contact the credit bureau directly with assistance in removing this unauthorized inquiry. Transunion said they dont have the option to notify this lender to remove the inquiry because it is more than a year old.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

My daughter sent me {$350.00} via Venmo on XX/XX/2024. On XX/XX/XXXX, when I logged into my account, I found out that this amount was withdrawn by an unknown person ( this is the only amount that was in my Venmo account ). I notified Venmo, had to provide proof that I was who I claimed I was, was assured by Venmo that everything was resolved. I still can not get in my Venmo account with a new password. The account with the old password is still active and somebody withdrew money again. My numerous emails to Venmo are unanswered.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

My credit account had been closed in XX/XX/XXXX, but I did not realize this until XX/XX/XXXX when the account appeared as closed on review of my credit report. I was deceived into believing the account was in a status of repair in XXXX of XXXX, when I agreed to terms for an account reset through my Chase Freedom App. I was given two options : close the account and accept a greatly reduced interest rate, or make 3 installment payments of {$170.00} to renew standing. I believed that I could pay all that I could toward this account and be able to help vs. hurt my credit. I paid {$300.00} in XX/XX/XXXX, {$300.00} in XX/XX/XXXX, then {$1700.00} XX/XX/XXXX. After this payment, I checked my report and saw the closed account status posted for XX/XX/XXXX. I contacted Chase, who verified that there was an account reset but stated it was null as the account was closed in XX/XX/XXXX. Not only was this deceptive in misleading me in regards to my account status, it allowed me to accrue additional interest at 22.99 % vs.opting for a reduced interest rate on a closed account. I had requested reduced fees due to interest as a result of being offered terms that were unfounded within their own policy, and was denied.I requested account re-opening as I had accepted and met the terms of the app agreement, and was denied. As the representative I was talking to had visibility to the account reset and terms, I asked for documentation to be provided to me and was denied. No record of terms appeared on my statement or within my documents and notifications. Clearly if they knew my account was in closed status, they had the ability to not offer false terms through my Chase application.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (GA)

I 'm being reported for having a credit card with target. My wife has the card and we are separated. I do n't use the card because I live in XXXX Georgia and she lives in XXXX Georgia. I do n't have a target card and every time i check my credit report, because she 's use the card it 's damaging my credit. I would like it removed please
Consumer complaint received 2024-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified the companies of inaccurate reporting on XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and TRANSUNION : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The following account reporting on XXXX, XXXX XXXX XXXX XXXX with account # XXXX is reporting a balance of {$2900.00} with a last date of being active on XX/XX/XXXX. 

The following account reporting on Transnion, XXXX XXXX with account # XXXX is reporting a balance of {$2900.00} with a last date of being active on XX/XX/XXXX. 

It is to my understanding and reason to believe that because this debt was charged off, this debt is cancelled and should not reflect the balance that is currently showing on my consumer file. The dates of last activities are also inaccurate. The 15 USC 1681 states that I have the right to accuracy and fairness.
Consumer complaint received 2016-07-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Avadyne Health Holdings, Inc (TX)

inaccurate information on my credit report. a active account is open that was included in my bankruptcy. I have tried to contact this company several times myself to no avail. this account should no longer be on my credit report as it was included in my bankruptcy and it should not be showing active