davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

Received a letter from the debt collector California Business Bureau regarding medical debt. I requested this debt be sent back to the hospital for settlement and was told they could not do that. They did not provide me with a proof of charges to match the collection and was told I could not make a settlement amount with them and would have to pay them in full or set up a payment arrangement. I set up the payment arrangement to avoid this debt being reported on my credit only to find out they will still report it. I was never given written notice of the arrangement nor was I told there would be accrued interest daily. I requested on XX/XX/17 from the representative XXXX a written notice of the payment arrangement as well as information on why Im being charged interest and was told they dont provide that and they can charge interest if they want to. I believe they have violated my rights in many ways and refuse to provide requested documentation.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.
Consumer complaint received 2021-02-21
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. (MO)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT XXXX.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

1. I paid a mortgage on XX/XX/XXXX, I thought I score on XXXX would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix. 

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. Transunion score is almost 80 point lower than XXXX and XXXX  because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.
Consumer complaint received 2021-02-21
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 submitted a dispute regarding collection accounts to XXXX XXXX and the Transunion credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year> Bank of America XXXX withdrew from my checking account the amount of XXXX ( these were funds I received from a insurance company to pay for the repair of my truck ) and without notice or without my permission. 
I contacted Bank of America accounts division and they weren't able to let me know the exact reason why my account was debited but said it was internal. I was transferred to it Recovery for forced closed accounts XXXX XXXX. I was informed that due to my daughter 's account being linked to my account when she was a minor was the reason they were able to forcibly withdraw the money from my account. Even though she was a minor when the account started she was already passed the age of XXXX when her account was forcibly closed. I let them know that she was an adult and they should have contacted her to make arrangements in response they informed me they had been taking small amounts such as XXXX dollars a month out of my savings account. I let them know that they could have made arrangements with my daughter instead of forcibly taking money out my checking account in which they had never did in the past, and the fact my daughter was already past the age of XXXX. They refused to return my money and their practices are unfair for consumers.
Consumer complaint received 2020-07-03
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 am trying to rent an apartment so yesterday XX/XX/20 I applied at XXXX  XXXX  XXXX   and when my credit report came back I was told that I did not qualify to rent there due to an account reflecting badly on my credit. The account is from XXXX XXXX for {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using y personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company. I have already filed a police report and a complaint with the CFPB regarding this unauthorized account.
Consumer complaint received 2022-08-21
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. (PA)

I have contacted XXXX, TransUnion, and XXXX they are currently reporting negative information on my credit report for late payments. The statue clearly states, a late payment can only be reported on your credit report for a period of 7 to 10 years from the date of delinquency from the original debtor. My loans have been in and out of forbearance and no payments have been made on my accounts since 2009. I have been disputing these with the credit bureau 's continuously and have made no progress. 
TransUnion and XXXX are the worst, I have called them on numerous occasions and their online dispute is not user friendly. I have been able to have at least 7 deleted from my report by XXXX, they are the same accounts still being listed by TransUnion and XXXX so they should be removed from Transunion and XXXX as well. 
I have put countless hours trying to get these issues resolved, the retention time of this information has past and should be deleted from my credit reports. 
I am requesting your help in getting proper resolution into these issues.
Consumer complaint received 2023-05-24
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)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

On more than one occasion, I have tried to contact Coinbase in regard to a currency in my portfolio named XXXX. Without my knowledge or consent, the currency was converted into XXXX XXXX by doing so, this locked the currency in a process called " staking '', which renders me incapable of attaining my funds. After being presented with the above issue, Coinbase denied the fact that the currency conversion was done on their behalf and that I had to have done it. I even requested that my account be liquidated and returned to the payment used to no avail. Eventually on XX/XX/2021, Coinbase sent an email to me regarding the situation, and it goes as follows, " Hi XXXX, Your Coinbase account contains XXXX which is currently restricted in the state or country in which you reside. As a result, your XXXX has been restricted from access in your account. In order for you to move your XX_Name_of_Asset_XX out of your Coinbase account, we will need to temporarily restrict your account from buying and selling so you can move the crypto offsite Please reply to this email with your permission to temporarily restrict your account from buying and selling so you can move your XXXX asset offsite. After we have your expressed permission and are able to temporarily restrict your account, you will be able to move the asset. After the XXXX is moved from your account, we will remove all restrictions so you can return to normal activity within your account. 
Thank you in advance for providing us with this information. '' After reading this, I immediately followed up by giving the permissions requested. my reply goes as follows, " I XXXX XXXX, give consent to the temporary restriction referenced in your email, giving me the ability to move my XXXX off site. I'm aware that after this I will be able to resume normal capabilities within the application and site. '' After this short-lived correspondence, Coinbase never followed through with their promise. I even recieved an email stating that the " Investigation/inquiry '' was closed. A follow up email was sent asking if my issue was resolved, to which I answered " No. '' During the elapsed time of my multiple correspondence with Coinbase, my portfolio has lost almost fifty percent in value, and I blame this on the fact that I wasn't able to access the currency ( XXXX ) listed above and convert it to another less volatile currency. Coinbase in my opinion is responsible for the loss of said XXXXo value due to the fact that they did not follow through with their promise to facilitate the process that would allow me to move my currency offsite and swap it for another digital currency. 

The case number involved in this matter is XXXX # XXXX
Consumer complaint received 2023-04-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

Once again my auto payment was the XXXX and XXXX of every month. They took the money out on the XXXX of XX/XX/2023. I requested a return, since auto pay is one the first. They charged me a fee off {$35.00}. I made my payment on the XXXX of XX/XX/2023. The total payment in the contract is XXXX for principal and interest and XXXX for escrow, for biweekly is XXXX. I made that payment of XXXX for the principal and interest and a payment of XXXX for escrow which equals XXXX. This is the second time this company has messed up.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Bough one XXXX XXXX  on XX/XX/XXXX from XXXX, ordered XXXX charged {$350.00} AND {$350.00} on XX/XX/XXXX XXXX or XX/XX/XXXX ). One of them is a fraudulent charge. Called Walmart credit card company Capital one, refunded {$350.00} on XXXX XXXX capital one recharged {$350.00} on XX/XX/XXXX. A letter sent to me confirmed the credit card company took back the refund. ( capital one case number, XXXX ). Chat with XXXX online customer service on XX/XX/2020. It was confirmed XXXX only charged {$350.00} with Success, XXXX XX/XX/2020 - XXXX XXXX  Another charge of {$350.00} is a fraudulent charge.
Consumer complaint received 2022-03-02
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. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I am a XXXX XXXX XXXXXXXX in XXXX Wa. I am XXXX and semi retired. I took early Social Security but it's not enough to live on. I have XXXX XXXX that limit how much work I can do. Every job and every payment is critical to me. I have had my own XXXX XXXX since XXXX. I started using Paypal to except credit cards a couple years ago, but I try not to use it if I don't have to because of the fees. I have used it less than 10 times ever. I worked for an XXXX  woman in XXXX and billed her son in XXXX. He did not have a checking account so I sent him a link to pay with Paypal online. My total bill was {$620.00} on XX/XX/XXXX. The son went on vacation to XXXX and didn't get around to paying me until XX/XX/XXXX. On XX/XX/XXXX, Paypal deposited {$300.00} of this payment into my business checking account, but held back the remainder of the payment plus their fee. They gave no reason for this. I tried calling, emailing and texting them but not get through. I went to the Paypal facebook page and asked for help. That worked, Paypal transferred the remainder of my payment, less their fee {$320.00} on XX/XX/XXXX. I contacted Paypal and told them to cancel my account and did not use them again. Paypal did not close my account and still had my banking information. On XX/XX/XXXX Paypal deposited another {$300.00} into my business checking account. I did not see this. Paypal decided they made a mistake and on XX/XX/XXXX the withdrew the {$300.00} again. So we were even, I still did not know it happened. My balance did not show anything happened. On XX/XX/XXXX Paypal withdrew another {$300.00} from my business account. I did not catch this either. I had changed merchant service provider and I thought my account with Paypal was closed. I was contacted by a collection agency a few weeks ago telling me that Paypal had turned me over to a collection agency because I owe Paypal {$300.00}. I contacted the collection agency and told all this to them. They said I had to straighten it out with Paypal. I called, emailed and texted many times and have not gotten a response. I contacted my bank and they said they could not help me. The only thing they can do is cancel my checking account so that Paypal can no longer take anymore money out of my account. I sent Paypal a third email today telling them I was contacting you. I so not have an account number with Paypal. They use my email to sign in and identify me. XXXX My business is XXXX XXXX XXXXXXXX. I work out of XXXX XXXX
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-10
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: U.S. BANCORP (KS)

This is regarding a complaint I filed with US Bank Reliacard and the CFPB many times. The last complaint number was XXXX. 
As of today, US Bank Reliacard has still not refunded the money taken from my stolen government issued XXXX Bank card. I provided ample evidence that I was no where near the location of the purchases or ATM withdraws, including my precise GPS location. I have a sworn affidavit statement by another individual testifying that I was with them and no where near the area of the purchases or withdrawals. I proved without a doubt these were not my transactions. US Bank Reliacard still refused to pay. 
As of today, US Bank Reliacard has not yet provided me with the documents used in making their determination. Nothing. You can see that a monthly statement was provided by US Bank Reliacard, and this was what they claim to have based their decision on, however, this statement does not prove our even highlight what the decision was based on. There is no evidence within the monthly statement to support their denial. There is no evidence to support their claim that i benefited from the transactions. They claimed a pattern of use was a reason for their denial. There can not be a pattern of use established for the ATM withdraws that occurred at the XXXX Kansas XXXX XXXX because I do not use the credit union, Therefore the only pattern possible is the pattern of non use. My withdrawing occurs at the XXXX XXXX Bank. If the withdraw did not occur at the XXXX XXXX Bank only. Then it was not my withdrawal. There is great evidence to support my claims and none to support XXXX Banks claim. The fact that they still have not provided any actual evidence to support their claims in this long amount of time indicates to me that they have no evidence still. 
US Bank Reliacard advised that this matter is an issue to be resolved by the Kansas Department XXXX XXXX. It is not. I contacted the department of labor and they told me that " once the deposit is made to the card, the funds are no longer their jurisdiction. The fault lies with US Bank Reliacard. '' I am awaiting a written statement from the XXXX to provide you as proof of what they told me. I will get it to you as soon as it arrives here. 
US Bank Reliacard is bound by our customer agreement and is solely responsible for the remittance of my missing funds occurring from the theft of my XXXX government issued payroll card. They have an obligation to fulfill. I want my full dispute paid to me immediately.
Consumer complaint received 2022-08-21
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. (FL)

Equifax has knowingly furnished inaccurate information on my consumer report. I have followed proper protocol and disputed the medical collection accounts that are being furnished in delinquent status. XXXX  XXXX XXXX has provided Equifax with second hand information. Equifax did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the three accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to Equifax for reporting purposes. Equifax negligence has undermined my confidence as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and Equifax refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness.