davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I want to make sure that this is my debt I did have my credit compromised. Originally when I looked at my report it showed it was charged off over a year ago they bought it and reaged it to an open account which is not the case this accounts was closed if it is the one I'm thinking about. There are two accounts that this company is doing this. Also I have spam calls from them I can't tell you how many times I have had to block the text messages as SPAM. I've even told them I don't believe they are mine and I want them removed, If I really owed XXXX XXXX why was I able to get a CC recently from them. Thery have 30-days to remove these charges from my credit report and stop bothering me.
Consumer complaint received 2022-01-17
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

I received my direct deposit as usual on the XXXX of XXXX. I made a external transfer from my prepaid to my real bank. I called them to see how long transfers take. They told me 2-4 business days. There website also states 2-4 business days. I called back in 2 days because it was still showing pending. They kept telling me they couldnt find my account. So I kept calling after being hung up on. I finally spoke with someone she told me 3-5 days. The same people kept answering the phones but changing there names to somebody elses. I waited the 4th day and called back an she told me it would arrive to me the next day. XXXX  came the XXXX and the XXXX and my transfer was showing still pending. Today is the XXXX its been a whole week since I made my transfer and its still showing pending. This bank is holding my funds for no apparent reason. I received a call from my family stating I need to be there right away because my grandfather is on XXXX XXXX  in the hospital, my phone got cut off, and me and my kids had to stay in a hotel because of this. We got kicked out. My vehicle got repossessed and this bank is putting me through hardship and distressed. I want my money.
Consumer complaint received 2022-01-17
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. (FL)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX XXXXXXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MI)

I had opened a lowes charge XX/XX/year> and made a purchase of {$2100.00} with a promotional no interest rate. I made monthly payments of {$100.00} every month through my XXXX XXXX XXXX despite not receiving statements because I knew I had a balance on this card. Synchrony bank is unable to provide me with any documentation stating when or how I was switched over to paperless statements. As a result of my statements going paperless I did not receive notification that I was nearing the end of the promotional period and was going to be assessed close to {$700.00} in interest charges. I also was not made aware that synchrony bank changed their po box that my payments were supposed to be sent to because they said they notified by email. This resulted in 3 payments being sent to a wrong po box that I had been using since I got the card and I am being assessed fees due to late payments despite the fact that the payments were sent on time to an address that I had been using for over a year.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NE)

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.

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 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (MN)

Paypal Credit sold to Synchrony Bank in XXXX I had been in dispute with paypal for not helping me with orders from XXXX that were never shipped. The XXXX orders out of XXXX that never arrived I had to ask Paypal for help under buyer protection they Breached there aggrement and I was told to get help out side of paypal. 
I even Let the Synchrony Bank know I was having a issue with Paypal and to hold on buying my account until it was fixed. They didnt wait so Paypal had locked my account and I had stopped making my Paypal Credit payment because they refused to help me. I never set a account up at Synchrony Bank and paypal had my Bankl Debit card and account at the XXXXXXXX XXXX but my Paypal credit was not set to autopay and there was no judgement against me for the paypal credit account. 
Synchrony Bank was the owner when the major issue started and I had no way to look at my account. At the same time I was having a series of surgerys XXXX total so I was not well and all of the sudden my checking account started over drafting every month not just XXXX time but XXXX and I didnt know Synchrony Bank Got my debit card info from Paypal and they were takling XXXX a month from my bank account without my permission and they had no court order. This stealing of my XXXX protected money in my account went on for over a year. The next thing because of the overdrafts the Bank asked me to get a checking account at another bank I did. Just on XX/XX/XXXX called the Synchrony Bank and asked them about the date the payments on the paypal account it is a old debt and the Credit reporting company is showing the Paypal Credit account on my credit and it is killing my credit the account is past XXXX  years and should not be on my account. The Bank told me my last payment on the account was XX/XX/XXXX which there is no way I had stopped making the payment in XXXX. What had happened is Paypal gave my debit card number to Synchrony Bank and they started taking payments from my bank acount which is the major major problem they took XXXX and the over drafts in that year were XXXX I need this money refunded without delay they had no right to start using my debit card with my permision plus I had to get a new checking account. I have spoken to a lawyer about the taking of my money and the over drafts and forced me to get a new account because of Synchrony Bank using my debit card without permission. I need this money refunded within 14 days or I will retain the law firm and sue Synchrony Bank and Paypal for the entire ordeal. It is criminal what they have done. You just dont start using a debit card and charging me XXXX a month.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (MN)

Paypal Holding company has taken XXXX from my checking account without a court order or my permission. The paypal purchase protection totally Breached there own contract with me in Purchases I made on XXXX and paid with My Bank Debit card I ordered 95 orders from XXXX thru XXXX when 23 of the orders never showed up I contacted Paypal to get there help, a email from Paypal usually gets the seller to refund or ship the item. 
The response I got from paypal is just plain wrong. 
They told me that I would have to seek help outside of Paypal when I used Paypal to pay for these orders. 
The next thing they did was real sneaky they locked me out of my account and that made looking at the payment history impossible. They refused to allow me access to my account history and These orders were charged on a Paypal Credit account. Then I needed to get a refund from XXXX XXXX XXXX and I posted my new debit card on paypal they let me do that and were real rude about it and made it very hard to get my XXXX back from paypal but I got it. I then had a XXXX XXXX XXXXXXXX XXXX and was very ill for 2 years during this time paypal took my debit card and started taking money from my bank in the amount of XXXX each month and I was unaware they were doing this and I just found out from the synchrony bank who had bought paypal credit but the billing was still thru the Paypal my account which they after the refund locked me out again. They took over 12 payments of XXXX over XXXX and they were way out of line and breaking the law. In MN the statue of limitations for a crime like this is 7 years and it has not yet been 5 years. During that 12 months I overdrafted every month and some time as many as 6 over drafts in a month. I was not well but could not understand why this was happening. The XXXX XXXX  got ahold of me and because of the high number of over drafts all of the sudden asked me to get a checking account from another bank. I did. They stole money from my account and made paypal credit payments and I was not on auto pay and they had no court order or my permission. Talk about fraud fist they dont at all help me with the orders and then steal money from my account. I want this money returned to me without delay I just found out about this.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (CA)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2016 Balance : {$32000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2019-03-06
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: Trident Asset Management, L.L.C. (DE)

This issue pertains to only my XXXX  credit report, not showing on XXXX  or XXXX. 

Showing a balance due of {$100.00} due to " Cable or Cellular '' as noted on the Creditor Classification line. States date opened of XX/XX/XXXX and date closed of XX/XX/XXXX. Under " Account Status '' is listed " Collection. '' I strongly DISPUTE this item, as every and all other accounts on all three credit reports show no delinquent or collection accounts. Also, it's vague, as it does not identify the company by name that I supposedly owe this amount to. It does identify Trident Asset Management, LLC in XXXX, GA as the " Contact '' on the XXXX report. 

Just became aware of this issue upon recently requesting my credit reports. 

I called the company, Trident Asset Management, to inquire about the item. The item is for " XXXX XXXX '' ( different social security # than mine ) for an account opened in XX/XX/XXXX in Washington, D.C. I have never lived in Washington, D.C., and, since I was XXXX years old in XX/XX/XXXX, I would not have opened an account. Erroneous addresses for Washington, D.C. are  listed on my credit reports and I am in the process of having them removed. 

I would greatly appreciate any help you could give me, thank you.
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (MO)

I asked XXXX XXXX to cancel my membership in XX/XX/2018 they said they can not because I had a loan with them. Months go by a payments I do not want to a service with no real features. Fast forward to the beginning of XX/XX/XXXX I am having financial difficulty and will have to make payments at another time and I recind or cancel any authorization I gave in the past To my bank account and asked to cancel my membership again and they refused to do either. I dispute the charges with my bank and they reversed them but they will not stop trying to debit the money from my account without my. authorization. Last week they hit me again for around {$40.00} and I had to go a full week without my medicine well I disputed it with my bank. When you are not behind on your payments money lien allows you to get XXXX dollar back a day through their app of the membership fee to be put in an Investment account But does not allow you to access the account and if you do not current on your loan all the money for the membership goes into money Moneylions Pocket essentially making you pay {$50.00} every two weeks with only XXXX of that going towards your loan. I have around {$150.00} in that account that could be going towards my loan that money lion will not allow
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (MI)

I have XXXX different issues. 

The first issue is with XXXX credit card, back in like late XXXX or XXXX of last year, I thought I was helping what I was lead to believe was my girlfriend online, however after this young woman told me she would pay me back and pay the card online herself, all of her funds where returned and I was left with this big debt because of her. I didn't know before it was too late that it was what was called the girlfriend scam, needless to say I asked XXXX card if they could help me and they refused to help me. 

Problem two which is different from the first one, I had a Chase Freedom credit card which was not yet maxed out but I was working really hard towards paying down the balance up until I was talking with a woman on a social media website & I agreed to go into business with her with a XXXX   opportunity, mind you nothing really could be charged to much on the Chase freedom card and once I opened this XXXX website this woman managed to have her friend pay off the balance and asked me to go to different stores and buy gift cards in order to buy more XXXX.. I was at first not going to do it but wasn't thinking much about it and after I did just that I didn't get any calls/text 's or email 's and or phone calls asking me what was going on and Chase didn't do anything to decline purchases or help me out, they looked into the matter three different times and I even filled a report with the FBI online website, however nothing was done to help me out, but instead now my balance is over {$5000.00} dollars before of this & it was just starting to head down towards {$2000.00} dollars. Needless to say I am looking at filing bankruptcy because of this. I really do not want to do that either and I am deeply saddened by this whole thing more so that Chase credit card didn't do anything to protect me and even after I asked them why they never turned anything down or anything like that I got no where at all.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In the last couple of weeks, including today XX/XX/2024, I received calls from someone stating they were with Experian. They said someone was trying to open a XXXX XXXX XXXXXXXX card in my name ( I wasn't and told them it wasn't me ). They gave me a confirmation number saying it was going to be denied. After that the person tried to pitch me more credit cards saying mine were high interest and they could save me money. I told them I know my finances and I didn't need any help, told them I was at work and surprise, they hung up on me. 
They tried this again last week and again today on XX/XX/2024, only this time I was told there was a fraudulent charge on my XXXX for {$1000.00}. I told them to send me proof and when I told the guy I'll look up my account for the charge myself, lo and behold, he hung up on me again!

These people know my social security number, date of birth and what credit cards I have so I am pretty sure they do work for Experian like the said, but they are foreign sounding and the fact they are trying to do a sales pitch and lying about my accounts is highly suspect! The fact these people tell me my social security and date of birth on the phone to me is so wrong! How do they know they are talking to me and not giving a complete stranger my information? I can not get through to a person at Experian. The first thing they ask for when you call is your social security number and I won't do that! What can I do about their shady practices IF it even is them? 

Thanks, XXXX XXXX
Consumer complaint received 2022-02-01
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. (MI)

In XXXX of XXXX, my Chapter XXXX bankruptcy was discharged. My mortgage was a continuing claim meaning I stayed in the house and continued to pay mortgage payments throughout and after the bankruptcy. 

XXXX and Transunion are not reporting my mortgage information even though the mortgage company reports to all three bureaus each month. XXXX is the only bureau reporting. 

My bankruptcy attorney and I have tried to get this rectified. My attorney talked with the mortgage company 's attorney and it was determined that XXXX XXXX is reporting the mortgage but the XXXX named bureaus are refusing to enter the information on my credit report. 

I was asked for a copy of my mortgage statement in XXXX, which I supplied but nothing has been corrected on my report. 

On my last conversation the representative at XXXX said he was completing the paperwork that should resolve the issue within XXXX days but that has not happened. 

When calculating credit scores, account mix is a relevant factor. The score from the bureau that is reporting my mortgage is XXXX points higher than XXXX and Transunion scores XXXX 

Their refusal to report my mortgage is costing me money in higher interest rates. I want to refinance my car loan, but I want the information contained in my credit report to be complete and accurate before I apply.
Consumer complaint received 2024-02-06
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 constantly disputed these inaccurate accounts and have asked for verification. The only thing that keeps coming back is saying accounts are verified with no proof or documentation showing otherwise. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description.