davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the Experian credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with XXXX that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( mrs XXXX XXXX to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( mrs XXXX XXXX called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing XXXX XXXX for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, XXXX is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.
Consumer complaint received 2019-03-22
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. (IL)

I sent over letters to XXXX and Transunion requesting that unverified accounts with incomplete and unknown data be verified. I am receiving emails and results stating that they are verified. The last results I received from Transunion on Monday XX/XX/19 state that the accounts have been verified, however they did not provide the method of verification and completely ignored the request for a signed consumer contract with my signature and all of the incomplete unknown data accounts still remain on my credit report. The same results also happened with XXXX. I also received a letter from XXXX they they will not investigate the matter further. With a prior dispute with XXXX, 2 of the accounts were deleted, however all of the other accounts containing the same incomplete unknown data were left on.
Consumer complaint received 2022-05-17
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX 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 2021-03-26
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: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unverifiable information on my credit report. To this day, which is over 30 days later and I am yet to receive a response. As this is not my first time trying to resolve this matter, I feel as if I am being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items in 30 days give a reason to immediately remove those items from my credit report. It has been over 30 days and counting, so they should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

Notified on XX/XX/XXXX that there was an escrow account shortage on my loan. Offered a interest rate reduction refinance to lower my monthly payment to make up for the shortage and soften the blow of what was to be an 85 % INCREASE in my payment ( from {$1100.00} a month to {$1800.00} a month ) Worked with the IRS to subordinate a federal tax lien to be able to do the refi. After weeks of no response I was told I no longer qualified for the refinance without explanation. Mid XXXX, requested and was approved for a 48 month spread on the escrow account shortage. 7 phone calls, countless emails and mailed correspondence to correct this error have been ignored. 
Since then, my monthly mortgage payment has increased with no response to my requests to rectify this. 

I called to request a 48-month escrow spread for a shortage on XX/XX/XXXX. I was told at that time that this was approved and would be reflected on my account by XX/XX/XXXX. 
Since then, my monthly mortgage payment has increased 85 %, no response to my requests to rectify this. 
On XX/XX/XXXX I called and logged in to see this had not been updated, it had not. 

Again on XX/XX/XXXX I called and logged in to see this had not been updated, it had not. 

I again called Freedom directly and spoke with someone who confirmed the error and advised that I call back the next day and this should be fixed. 

I did indeed call back on XX/XX/XXXX and XX/XX/XXXX to Freedom and this still had not been resolved. I was told on XX/XX/XXXX that a new ticket has been created and this should be escalated to be addressed and fixed. 

It is at that time that I made the new estimated payment of {$1500.00} with the representative over the phone to make sure I wouldnt incur a late fee or mark on my credit report. Payment was made, cleared and is showing in suspense. 

As of today, XX/XX/XXXX, the status is still incorrect, late fees are assessed and account is showing delinquent. Those fees are incorrectly imposed, the delinquent status is incorrectly imposed.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

After reviewing a copy of my credit report, I noticed two collection accounts placed on my credit report from Americollect. I also am a victim of identity theft but because I have no idea and never been contacted by this company I am unaware if this is an account that falls under one of the fraud accounts. Therefore I am requesting that you allow my attorneys and me to validate these alleged debts. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients ' signed authorization. I have never given the authorization to release any information in accordance with my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also, provide an original copy of the contract with the original creditor that gives you the right to collect debt pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated by my attorneys and I. Please send this information to my address listed or to through the CFPB portal and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
Consumer complaint received 2020-11-05
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. (IL)

I contacted XXXX, XXXX and Equifax on XX/XX/XXXX requesting they send documentation verifying the accuracy of a XXXX XXXX account on my profile. I never received documentation, just a updated report saying " this account has been verified ''. On XX/XX/XXXX, I sent a second letter requesting documentation confirming validity of the account. I received the same responses as XX/XX/XXXX from each bureau.On XX/XX/XXXX, I sent a third letter and did not receive a response at all. On XX/XX/XXXX I sent a letter requesting method of verification of the XXXX XXXX account and did not receive a response. I contacted XXXX XXXX to resolve the account since it was affecting my score. I was told that they did not have my account it was with a company called XXXX XXXX. I contacted XXXX XXXX and was told they didn't have authority of my account and that I had to contact XXXX. After being transferred between the 2 companies, I was still unable to find out who had authority over the account. I spoke with a rep named XXXX whose extension was XXXX at XXXX XXXX and another rep at XXXX XXXX who got a manager over the phone and he told me that he couldn't do anything because my account was not with XXXX. Two weeks later, I contacted XXXX XXXX again and was told the account was with XXXX XXXX XXXX XXXX XXXX . I contacted this company at XXXX and spoke with XXXX XXXX. I paid the account and expressed that this payment was not an admittance of ownership but that of a weary consumer who was tired of getting the run arounds. I made the payment and was told XXXX XXXX is responsible for removing the account since they are the ones reporting. I called XXXX XXXX the following day on XX/XX/XXXX and was told again that they do not have my account and thus could not give me any information.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to Transunion.com and looked at my free credit score. I was charged {$24.00} due to a trial. There is no way to get a refund, but I will say that is my fault for not reading the fine print. The problem is there is no way to cancel on the site. They have zero information on how to cancel. There is nothing found under the account, profile, or support tab. You have to leave the site and find answers in forums to learn you have to call in - wait over 20 minutes on the phone. This feels very deceiving and far too many steps to keep people locked into a monthly payment plan.
Consumer complaint received 2021-05-05
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. (CA)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XX/XX/2022 Bank of America called me from their XXXX number to let me know a fraudulent transaction happened on my account using XXXX that i never used in the sum of XXXX. The told me to transfer the funds back to myself. They sent me a pin and authorization cade. they knew my acct last 4 numbers and also knew my available balance. 
I got a text on my phone asking for authorization to transfer funds which i replied no and i immediately got a txt back from fraud dept to call an XXXX number. 
i called the number from a land line while i had BOA on my cell. after 30 mins on hold someone answered and told me that they had a huge call volume with similar complaints to which i replied can we fix this asap. She replied the money is gone. 
Under REG E, i did not contact or induce the transaction, Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts. 
The Consumer Financial Protection Bureau put out a directive in XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' " This is when someone tricks you. So the whole idea that treachery is involved should mean consumers are protected by Regulation E, I spoke to bank of america when i recieved a letter telling me the claim is denied and after speaking to a supervisor and explaining the entire thing she said she would refund the money, after trying she said her authority level was for XXXX and she was moving it up to her supervisor and it would take 24-48 hours. 
a week later I am on the phone with BOA again getting a run around. 
the transaction was initiated by BOA, they knew my acct specifics and balance. The app they use " XXXX '' is owned partially by the BOA and six other banks with the same problems for their consumers. 

BOA is responsible for the claim and now states they are awaiting correspondence from XXXX which could take upto 45 days.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (OH)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXXXXX/TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Bankruptcy chapter XXXX Reference number : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ME)

I have an extended alert set up in 2017. The phone number listed in the alert for financial institutions to contact me at prior to extending new credit is no longer accurate and is now associated with another person. I am trying to complete the process for a vehicle loan and am unable to do so until I can get the proper phone number updated. 

I have called XXXX and Experian and I am unable to get someone on the phone as it is an automated service that results in dead ends. I have visited their websites for information and each separately requires that I submit paperwork to include a form, photo identification, W2s, paystubs, or utility bills via fax or mail. This process is an undue burden in that the amount of time they say it will take to complete the request to update my contact information will prevent me from closing my loan application and from registering my vehicle so that it is road legal. In addition, the incorrect phone number currently listed in the extended alert instructions to financial institutions is currently a security risk as it is an incorrect phone number that now belongs to another individual.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I just received a call from a # w/ same 1st 6ix digits. I was expecting a call from a local vendor. It was a robo-call offering to lower my chase % rate. I clicked to talk to human. Sure enough he XXXX had an accent ) needed my credit card # to complete the deal, I was on to him and said the cc company would never ask for that info. He called me crazy and hung up. the # was from XXXX. I blocked it. btw it was on my cel. 
Thanks XXXX XXXX, XXXX XXXX, CA, cel # XXXX email : XXXX.
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

PAYPAL IS HOLDING MY MONEY AND WILL NOT LET IT GO. I NEED THESE FUNDS IMMEDIATELY FOR BUSINESS USE. 
IVE CONTACTED THEM SEVERAL TIMES AND THEY WILL NOT HELP AND GIVE ME A COMPLETELY DIFFERENT ANSWER THAN WHAT IM NEEDING HELP WITH CAN NOT REACH THEM BY PHONE TO RESOLVE
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2022 I was told that I was sent {$120.00} via XXXX through my Chase checking for a set of golf clubs I was selling. I was then told I needed to accept and additional {$300.00} payment and refund the money back to the buyer. I sent the {$300.00} back however, I never received the offset. 

I called and filed a complaint with my bank as well as with XXXX. My bank stated I mostly would not receive my funds back since it is a form of cash. I attempted contacting the person who I sent the money too and they stopped replying.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (GA)

I checked my credit to see that NATIONAL CREDIT ADJUSTERS ( Original creditor : RISE ) is still reporting a balance for a trade line I settled with the agreement that it would be deleted within 60 days. It's been more than 1 year and it still reporting.