davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (NC)

Im accordance with the Fair credit reporting act XXXX XXXX XXXX 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 an account without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX 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 an account without my written instructions. 

Im accordance with the Fair credit reporting act has XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX  XXXX Ohio XXXX. XXXX XXXX XXXX  FL XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX, XXXX. Phone number XXXX
Consumer complaint received 2022-06-11
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. (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. 

DEPT OF ED / XXXX Account # XXXX DEPT OF ED / XXXX Account # XXXX 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 2022-06-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX US DEPT ED XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, 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 2022-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Eastern account systems sent me a letter with my information to collect {$420.00} for a Doctor that I never saw. I explained this to them numerous times and receivedno help to resolvethe issue. I spoke with the doctors office they were trying to collect debt for and confirmed that no one visited that office using my name or information so filing a police report for fraud was useless. Eastern account systems reported this debt to my credit which resulted in a XXXX point drop, I am extremely upset about this. On the same day I was notified they reported this to my credit, I called them and only then did they say they discovered that the wrong Doctor information was put on the notice they sent me and it was in fact now my doctors office listed. I immediately called my doctors office to verify and ask why I was never notified by them directly. I paid the {$420.00} in full that day directly to my doctors office. Eastern account systems still has not removed the debt off of my credit and has not updated the information. They have ruined my credit due to their incompetence and none of the employees care to do their job correctly. This is such an extreme example of misuse of power and they should not be allowed to ruin people 's lives. I want this company to be investigated so they can never have the power to do this to anyone else, this is such a travesty.
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (FL)

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus Equifax, XXXX, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My monthly fee for Bofa-issued XXXX was {$76.00} on XX/XX/XXXX. I paid electronically from Bofa checking account to Bofa XXXX account on XX/XX/XXXX ( due date indicated on online statement ). Bofa processed the payment XX/XX/XXXX and charged me {$39.00} late, also negativelaty impacted my credit score. When I went to the bank branch they said they have nothing to do with that. I live in central CA and my closest Bank of America branch is now 5 hours/280miles away after the branch in my town closed 10 years ago and the branch that was 1 hour away closed this year. XXXX this " bank ''.
Consumer complaint received 2022-09-09
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. (FL)

DATE : XX/XX/2022 RE : DEBT VALIDATION LETTER ATTN : LEGAL DEPARTMENT Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED WITHOUT RECOURSE UCC1-308
Consumer complaint received 2022-04-23
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. (FL)

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, Transunion, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid 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: CLGF Holdco 1, LLC (WI)

There is an unknown charge on my Milestone card. 
XX/XX/XXXX Trans date XX/XX/XXXX Post date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed 2 disputes with Milestone regarding this. Nothing has happened. I did not purchase this item and I received no such item. Doing a bit of research the item is an XXXX help manual. I do not own any XXXX  products so why would I buy such a thing. The XXXX number listed in the transaction does not belong to any business related to the so called item. 

This transaction is fraudulent and I want a refund of funds as listed under my card rights.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I used PayPal Credit recently to make a purchase but when it started my account, it wouldn't let me access the online portal for my statement. It gave me a technical error and I immediately called in XXXX, XXXX, XXXX, XXXX, stating I couldn't access my statement. In XXXX I assumed they would resolve it, so I called to report the problem them made a minimum payment through the phone system. Each month, they were unable to provide me access or resolve the error. In XXXX I requested a paper statement be sent because they were charging me late fees and said I owed a significant amount of money. I have never been provided a bill or statement that indicates what I charged and what I owe, just a reminder to pay have been emailed and texted with a request to view my account by logging in ; the email and text were a 'no reply ' so you can only call the company. Again, I tried to access and received a technical error and it wouldn't connect me. I can't screenshot the error, it says due to privacy I can not screenshot, when I call they run me through questions but can not resolve. Again, when a paper statement was requested, it was not sent and no information stating this request was sent to me. They recorded the call, they say when you call, but that is all I have. They corrected the late charge, because I asked for a bill, but again nothing to help me access the account or account information. How can I pay or verify debt if they refuse to provide information about it or help resolve the issue with accessing the account?
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was receiving Ca XXXX XXXX payments through Bank of America EDD XXXX card. I had my funds withdrawn from my account without my knowledge while I still had the card in my posession. I called BOFA and filed a complaint and asked them to experdite it since I was in hardship due to my XXXX yr old XXXX  daughter my wife can't work so this was our only income. I was told by the Customer service person the folowing details which I did not do : XXXX Acct balance inquiry at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX Balance inquiry at BOFA XXXX XXXX XXXX XXXX ATM withdrawl at BOFA on XXXX XXXX for {$630.00} XXXX balance inquiry at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ATM withdrawl BOFA on XXXX XXXX for {$1000.00} XXXX ATM withdrawl BOFA XXXX XXXX for {$620.00} XXXX 
I called BOFA and filed a complaint on XX/XX/XXXX and requested a new card.I received my card XX/XX/XXXX and when I called to activate card my claim was denied. I had BOFA reopen my claim and filed a Sheriffs report XX/XX/XXXX. Faxed the report to BOFA. BOFA denied my claim again. I had BOFA reopen my case again and now have no funds to pay for food or bills. BOFA response is it will take up to 45 days however they are just denying all claims and not doing any investigations. These events have been happening to alot of people and BOFA is aware of it since all the wrongdoing was done by BOFA emplyees as published in the news. I just want BOFA to pay me my funds ASAP so I can provide for my family.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

On XX/XX/2022, I received an email stating that a recent payment I'd made had been returned by my bank and asking me to make a replacement payment. Because I had autopay set up on my credit card account and because I knew there was plenty of money in the account, I was confused. 

I logged into my credit card account and a payment of {$41.00} had been returned by my bank. The payment had been made over the phone from an account that had been closed for 6 months. I did not make this payment. 

I called the customer service line right away and spoke with three people. They could not provide me with the phone number from which the payment was made. They would not let me hear the recording of the payment call, and could not tell me anything about the call. I pointed to my payment history, which has been via autopay from a different account. I expressed concern that my card might be compromised in some way. After more than an hour on the phone, I got one of the customer service reps to agree to open an investigation into the situation. 

Today ( XX/XX/2022 ) I received a written letter in the mail from my credit card company stating that " to remove any returned payment information or fees from your account, we'll need a signed letter from the financial institution. ''
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XX/XX/23 I signed up for a ( 2 ) Square POS account and payroll services, for my local XXXX XXXX XXXX XXXX XXXX After a week of collecting funds and tips for my XXXX, I submitted a request to transfer the funds in the amount of {$880.00} into my checking account. I received a notification that I would receive funds within 2 days. On the 4th day I reached out to square because I still had not received the funds. After being on hold for 45 minutes waiting to speak with a live person. A Square Rep was unable to tell me where the funds were or why they were not in my account. On day 5 I was told that the funds were taken to settle a past debt. This made no sense because I was a new customer to the system and had no previous account with them. After sending in documents verifying my business and all requested information. I was told that the error had been corrected and I would receive my funds next day. Same day I received a call from my credit union stating that there were ( 2 ) fraudulent withdrawals attempts made from my checking account and that my bank had been blocking them. I was completely unaware of this because it was the same amount that was due to be deposited into my checking account from the earnings and my employee 's collected tips of my XXXX XXXX. Not Only had this company held on to my funds, but they were attempting to remove additional funds from my checking account. I have been unable to process my company 's payroll or issue funds that have been tipped out to my employees because they are not releasing my funds. I have provided them with their request. I have been getting 2 different stories from Square1. the issue has been resolved and my balance will be deposited next day. 2. Its under investigation with a special department, a department that doesn't have it own line. I have emails of the account is in good standing, then emails stating that its being reviewed both within the same day. All while attempts to withdrawal funds unknown and fraudulently from my credit union take place.
Consumer complaint received 2022-04-23
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. (WI)

In accordance with the Fair Credit 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 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

These addresses don not belong on my credit report.
Consumer complaint received 2022-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, ARS ACCOUNT RESOLUTION. I did not open or authorize the accounts that you report a balance of {$1700.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

These addresses don not belong on my credit report.
Consumer complaint received 2022-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (FL)

The account was paid in full via my bank and confirmed. However, they have send me a statement received today with the incorrect balance. Attempts to reach them useless. Zero balance PAID should be reflected on credit report.