davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXXXXXX XXXX Balance Owed : {$480.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXXXXXX Balance Owed : {$380.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX  XXXX Balance Owed : {$880.00} - Reporting unknown which means it's incomplete, please delete this account.
Consumer complaint received 2021-01-06
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. (NM)

1. I went online to get my free credit report but lost my connection 2. I tried to go through Experian and they offered me a service by which my account could be monitored with regular e-mail updates 3. When I tried someone else had used my social security # to already do that That person is my ex wife of 14 years. I recognized her e-mail address on my account at Experian portal 4. I wrote 2 letters asking Experian to what happened and to fix it 5. I had an attorney write a letter asking the same 6. I notified the SS Administration 7. I opened an investigation at the FTC 8. I filed a complaint with a US Senator 's Office Still nothing from Experian The Attorney General of New Mexico said you could help me I am skeptical
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

This is a follow up complaint to what I submitted on Monday, XX/XX/XXXX against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Ph : ( XXXX ) XXXX. Myself and my mother called dozens of times on Monday because their faulty system took double payment from us. See other complaint on account # XXXX for details. 

I was told by XXXX ( alleged manager ) that he would forward my information to processing and that I would be refunded by today XX/XX/21. As of XXXX, I have not been refunded for the extra {$710.00} that was taken from my checking account without authorization. I was told on XX/XX/21 that they would reverse this extra payment and that the processing lady " catches these mistakes '' right away. Both the authorized payment of XXXX and unauthorized amount of {$710.00} were posted to my XXXX XXXX account, meaning they processed both. 

I called today several more times. I left a message with supervisor XXXX XXXX at approximately XXXX, and as of XXXX, has not responded to my request for contact. XXXX, another alleged supervisor, said that he would have to send my request to processing ( again ) because he couldn't see that she did not refund what was owed to me. 

At this point, their behavior has turned criminal. They processed {$710.00} that I did not owe or authorize, have had several days to process the refund, and have ignored all my requests for contact. They also processed the unauthorized amount of {$710.00} instead of reversing the charge. This company is engaging in fraudulent behavior and stealing unauthorized payments. I want this money refunded to me. I would also like to be reimbursed for all the overdraft and late fees I've incurred as a result of this criminal behavior. To date, I have incurred two overdraft fees totaling {$39.00} each from XXXX XXXX, that would have otherwise been covered if not for their stealing an extra payment from me.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, my debit card was hacked and someone stole {$1000.00} from my unemployment account. The way I found out is that I went to the Bank of America ATM that morning and tried to withdraw a small amount of money, and a message popped up on the screen and it said " Maximum Daily Withdrawal Limit Reached '' I checked my online banking and I saw " two '' {$500.00} withdrawals that morning on XX/XX/XXXX. These transactions were unauthorized, illegal, and fraudulent. I called the fraud department and reported the illegal transactions. They said it would be resolved in a few days after they finish their investigation. I would either get my money back or a letter in the mail. 

After I reported the fraudulent withdrawals, Bank of America in Conjunction With Maryland Unemployment froze my account, and I just received access back to my account on XX/XX/XXXX. So 5 weeks with no unemployment  funds. 

About a week later from XX/XX/XXXX I received a letter from Bank of America, and it stated that " my claim has been closed because we believe the account or the claim has been subject of fraud or suspicious activity. '' It does not make sense to me, because they have to refund my money if a fraudulent transaction takes place, but they refused to do so. 

But the part that is making me suspicious that they did not look into the matter is because the letter they sent me was dated XX/XX/XXXX. So they took less than 24 hours to do a full investigation on the issue after I reported it on XX/XX/XXXX. 

I called the fraud department to reopen my claim, but they refused to do so because my account was frozen, and they said once it is unfrozen, I could reopen my claim again to get my {$1000.00} back. 

My account became unfrozen on XX/XX/XXXX, and I submitted a letter today to Bank of America on XX/XX/XXXX explaining my case with proof and evidence that my debit card was hacked. 

I'm hoping that you can help me get my {$1000.00} back because this is not fair. I am the victim and I am getting punished. There has been a lot of fraud and scams since the pandemic started and it affecting a lot of people 's lives and unfortunately, I got caught up in it. 

I know for a fact that the Bank of America is required by law to repay customers if their account had fraudulent transactions. Please let me know if I am wrong. 

Thanks for your help
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (KY)

In XX/XX/XXXX a Wells Fargo account was opened in my name through identity theft. They sent a check that was fraudulently cashed XX/XX/XXXX. I found out about this account when my credit took a hit in XX/XX/XXXX. I had been a victim of identity theft and several creditors had allowed credit to be used in my name. My XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX account had all been used through Identity theft. All of the creditors I listed above aside from Wells Fargo have found all charges to be directly due to identity theft. I pleaded to Wells Fargo in XX/XX/XXXX to shut the account down immediately, yet they allowed it to stay open until XX/XX/XXXX. There have been several recorded phone calls them stating a phone number of which I could not identity was used to open the account. They also stated the voice used to open the account and the voice requesting the account to be shut down did not match. They were provided a police report, bank statements, a letter from the bank manager where this check was cashed stating that the account had been shut down due to fraudulent activity, and documentation of other creditors removing charges due to identity theft. Wells Fargo has contradicted themselves repeatedly. They stated from XXXX that they did in fact have a copy of my police report. Then in XXXX they claimed they had never received it. They have marked me as delinquent on the account even though the account was under investigation and they WOULD NOT take payment from me to save my credit while it was under investigation. Their mediation team would not establish payments to fix my credit because XXXX XXXX in the mediation department thought the account was fraudulent and they could not settle the account through mediation. Even though a department in Wells Fargo would not take payment, found the account to be fraudulent, the Fraud team will not keep the account removed from my credit report. After almost a year of fighting these fraudulent charges Wells Fargo marked the account as fraudulent due to identity theft, set the balance to zero, and closed the account. Several days later after they finally fixed their error they repost the balance and all derogatory remarks. They claim they have proof through voice recognition yet they are requiring a subpoena to share these recording even though they originally said the voices were not a match for opening the account and reporting the account as fraudulent. These phone call recordings is a two way street if they truly have copies of all the phone calls then there is recordings with them lying about having my police report, lying about the voices not matching, lying that they couldnt take payments, and lying that my credit wouldnt be effected while under investigation. The mediation team at Wells Fargo paid for credit monitoring serves for identity theft and a {$270.00} check as payment for my time. Yet they refuse to remove the fraudulent account from my credit report?
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

A lender, XXXX XXXX Loans, is attempting to get my credit bureau. They attempted the Trans Union report. Trans Union is stating that XXXX received my credit bureau and they put a inquiry on my report. Per XXXX, however, they did NOT receive my CB from Trans Union as they were told there is a security freeze, which there is not. Trans Union was XXXX help, just telling me that XXXX got my credit report, which they did not.
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

I received the following email and I never took any type of a cash advance from any company. 
XXXX XXXX!!!!!!!!! EMAIL!!!!!!!!!!!! 
Customer Id XXXX XXXX XXXX <XXXX> XX/XX/2021, XXXX XXXX  ( 10 hours ago ) Case File # : XXXX - XXXX Loan Information Past Due Amount - {$980.00} One Time Settlement- {$320.00} Creditor Ace Cash Services DearXXXX XXXX XXXX XXXX Department of Ace Cash Services has decided to mark this case as a flat refusal and press legal charges against you.

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is placed on hold by the United States, so before something goes wrong, we would like to notify you about this matter. 

Consider this as a final warning. And we are Emailing/ Fax this issue to your current leader to create positive results and take strict action against you. 

We will be forced to proceed Legal Action against you and once it's processed the somebody has entire rights to tell your leader and your references concerning this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you are taking care of this out of court then we are going to unharness the clearance certificate from the court and that we can check that nobody will contact you in future. 

Do revert back if you would like to eliminate these legal consequences and build a payment arrangement nowadays instead, we'd be continuing legally against you. And this is often to send word you that this notification also will be sent to your current leader. The opportunity to require care of this volunteer is quickly returning to associate finish. We would hate for you to lose the choice of breaking this before it goes to a consequent step that could be a suit against you, however to try to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru between working hours XXXX XXXX  to XXXX XXXX ( EST ) Department of Law & Enforcement ( Ace Cash Services ) Copyright 2021 Ace Cash Services| Privacy | Terms of use Thank you, XXXX XXXX
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I went to use an ATM machine inside a store on XX/XX/19, trying to make a {$40.00} withdrawal. I personally inserted the card & entered the PIN for this transaction. I stood at that machine for at least 20 minutes, as the transaction just kept 'spinning. ' I finally got a message 'Unable to process your transaction. ' I took my card and went outside to a XXXX XXXX machine, where I successfully withdrew {$40.00}. Went back inside and made a {$40.00} cash purchase at the store. Later, when I arrived home, I logged into my online banking account at Bank Of America -- much to my surprise, I had not only been charged the {$40.00} at XXXX XXXX but also TWO transactions from the store 's machine : one for {$40.00}, one for {$80.00}, plus fees. I notified the fraud dept. at Bank Of America immediately that evening. The bank initially credited my account for both of the errant charges, for which I was not responsible. My card was frozen, and a new card mailed via Priority Mail.Then on XX/XX/19, I received a bank alert online that stated : " unable to pay. '' I called the bank, and they said they saw a video of the incident ( I have as well ) ; they stated that someone with me at the atm took out both of these unauthorized charges. My roommate was with me that day, shopping around inside the store -- and he can attest to the fact that no money was dispensed from that machine. The bank has apparently never heard of 'skimming ' at more obscure ATM machines, as zero money was dispensed to me or anyone else at the time of my transaction. The transactions were fraudulent, the money taken by someone who skimmed my PIN or otherwise manipulated the machine -- as my transaction never said it was canceled ( only unable to process ). I fax'ed a letter to Bank Of America XXXX XX/XX/19 detailing this, & asked them to re-open this claim. I saw in my message center that they had done so. That message has oddly disappreared. Bank Of America has persisted and now drafted the {$40.00} & {$80.00} back out of my acct on XX/XX/19.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

on XXXX XXXX i disputed a collection that was wrongfully placed on my consumer credit report.the collection company XXXX XXXX XXXX XXXX and XXXX XXXX has DELETED /REMOVED the collection of my report ON but experian and XXXX is still have it reported, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.
Consumer complaint received 2021-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

Hello and sorry this is going to be long I filed for a chapter XXXX which was dcd satisfactory in XXXX. My chapter XXXX was dcd satisfactory this year in XXXX. I had a sallie Mae/Navient loan in XXXX which has been in derogatory status for a few months prior to my chapter XXXX filing. 

We know student loans can not be dcd via bankruptcy unless undue hardship can be proven. However something told me to research the loan that I had. I took out what was called tuition saver loan which is considered a non traditional student loan. This was a loan they offered for students only which was sent directly to the student to do basically whatever they wanted. Which I took advantage of to help with bills and whatnot as being a young single parent full time student part time job. 

After doing my research, I found out on several different platforms from back XXXX searches that Tuition answer loans are NOT student lands and are FULLY discharged debts in bankruptcy. 

My immediate thought is that this should have been resolved when my chapter XXXX was completed. They were included in my chapter XXXX and received a payment. Now that my chapter XXXX is complete, they have went back to reporting my account as derogatory, charged off and my account is still headed for collections. I have provided them the info, and they refuse to budge. Im thinking that not only should this debt be done, but any money Ive paid since my chapter XXXX should be returned with interest. 

Im wondering what should I do? I have reached out to the credit bureaus and Navient and they both are giving me a hard time and refusing to honor it. Can anyone give me any advice? This is tanking my credit. I have provided a screen shot of What I have found which is what I keep finding.
Consumer complaint received 2022-07-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-04
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX  XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX