davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2017-02-13
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc ()

On XX/XX/2017 i saw an unauthorized transaction of XXXX on my credit card with the description " *PAYPAL ''. 
I instantly logged into my PayPal account and filed an " unauthorized claim '' for that transaction. 
On XX/XX/2017 PayPal told me through email that the transaction was unauthorized and refunded the total amount in my account ( not my card ). 
In the next days PayPal permanently limited my account ( too risky for them ) without give me the possibility to withdraw that money to my card. 
Why refund me if you do n't let me take my money back to the card? 

I called them and the phone guy told me that PayPal sometimes holds the money for 180 days to cover any chargeback or claim. 
I NEVER received a payment on my PayPal account, i created it only for online shopping. 
There are no incoming transaction and they know it. They can check my transaction history in 1 minute. 

At the moment they are holding my money for absolutely no reason. I CA N'T receive chargeback or claim because i simply have n't received payments. 
This is an abuse. I do n't care that my account is permanently limited, but let me withdraw my money.
Consumer complaint received 2016-06-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC (AL)

Back in XX/XX/2015 I had taken out a Pay Day Loan with XXXX.The Loan was {$400.00} and about 2 weeks later I had gotten caught in a bind.It was some things I had to pay and I was n't able to pay the loan back.To get help it was a Validation company that I joined call XXXX They sent Validation letters to XXXX to see if they are licensed to do business in the state of Alabama.And several months later I had found out that they was n't.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I was offered a settlement for my past due credit card and after giving my payment information, was denied the settlement and told to seek credit counseling. I was repeatedly told that Bank of America would not put my ability to pay my basic bills in jeopardy if I was unable to pay toward my credit card. I was also NOT told that I had to call to cancel the payments after the settlement was denied nor was I told that the payments would go through despite being denied the settlement. The payments were CONTINGENT on the settlement and no final authorization or agreement was reached. I was denied and therefore DID NOT AUTHORIZE any other payments. I had $XXXX withdrawn from my account without my consent and Bank of America is refusing to return that money even after informing them that this UNAUTHORIZED withdrawal of funds was going to cause me to bounce payments that I had mailed for my basic bills since I was not expecting that money to be withdrawn.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account Name : XXXX XXXX XXXX Account # XXXX XXXX - Account name : XXXX XXXX Account XXXX XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXXXXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX  Account # XXXX XXXX - Account Name XXXX XXXX  Account # XXXX XXXX - Account Name : XXXX XXXX  Account # XXXX XXXX - Account Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account Name : XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC (FL)

I am personal representative of an estate and contested a bill in writing. The company never responded to the letter and although the contested amount was removed from the account in XXXX never notified me. I paid the amount through a direct debit on XXXX XXXX, 2016 and was assured a letter clearing the claim would be issued within 14 days, I called againXX/XX/XXXX2016 and was assured a letter with copy to me would be sent ( never received ) called again XXXX/XXXX/2016 and was promised a letter ( not received ). The lack of a release of the claim is not allowing me to proceed to close the estate.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/2017 my checking account with Peoples Bank was compromised with an unauthorized " ach '' withdrawal from XXXX XXXX. As I do not have an account with XXXX I immediately called the call center as soon as I discovered this mistake on XX/XX/2017. A case # XXXX was opened and I was sent an e-mail with the required affidavit form attached and was told I could fill it out and e-mail back. I could not open the attachment and called back immediately and was told it could not be sent in any other format so it would be mailed. Instead of waiting for it to arrive by mail I went to the XXXX XXXX branch a few days later where two branch employees spent almost thirty minutes trying to help me. They could not open the attachment either or obtain the form any other way. I left there with no choice but to wait for it to arrive by mail. When it did not come after waiting nine days ( from XXXX to XXXX! ), I went to a different branch at the XXXX in XXXX because I was in that area and once again the teller tried very hard to help me to no avail frustrating both of us. All she was able to find out from the call center was that I did have a case open and " the form is in transit by mail ''. Today is fifteen days from the first call to Peoples and I still have not received the affidavit form required to correct this costly mistake. The debit was {$280.00} plus {$37.00} overdraft fee which totals {$320.00}. I only receive {$XXXX} direct deposit on the XXXX of the month from a pension. I have not had access to the {$320.00} which I desperately need. Peoples Bank has delayed rectifying this problem that should not have even occurred in the first place because I did not authorize this withdrawal. Please help.
Consumer complaint received 2017-12-16
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. (CA)

My credit reports with all three agencies, XXXX, XXXX, and Transunion consistently contain identifying information ( i.e. addresses, telephone numbers, etc. ) which do not belong to me. Sometimes the information belongs to my ex-husband, other times it belongs to god knows. I have tried to work at getting this adjusted, however, the only thing I am ever told is that they can not verify my identity and that I need to touch base with whatever agency ( e.g. XXXX XXXX ) to inform that they ( the credit agency ) can not verify my identity. I have no idea how to go about getting the information corrected as they have never provided guidance on doing so.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2016 I went into a Target store in XXXX, California. I was on my way to give a speech and stopped at this store to buy some things. XXXX is an overwhelmingly minority community. I made XXXX purchases. 1 ) XXXX packages of alkaline batteries for {$31.00}. 2 ) A XXXX camera for my wife for {$210.00}. XXXX XXXX initially declined the charge. I respeat, XXXX is an overwhelmingly minority community. I immediately reached XXXX by phone and answered questions. They ultimately approved the charge. While I was waiting for XXXX to approve that charge, I gave the clerk my Bank of America ( BofA ) credit card and asked her to charge the batteries on that. That charge was also initially denied. In talking to BofA they said they wanted to make sure it was not a fraudulent charge and BofA approved the charge, which I thought was only for the batteries. However, she apparently accidentally also charged the {$210.00} camera on that. When I saw that, she agreed to back out the BofA charge. For reasons unknown to me, the charge was not reversed and I have now paid for the camera twice. Somewhere along the line, BofA cancelled by crredit card and said they would send me a new one, which they did, several days later. When I later went online to challenge the charge, all the form would let me do was call the charge a fraud. There is no space for mistake or accident. I 've now had SEVERAL phone contacts with BofA telling them what happened and said to not pay XXXX for this charge since they had already been paid on my XXXX card. I never challenged the batteries, only the camera. The last contact was just a few days ago. After again, explaining this to the BofA representative, I told here I would gladly pay for the batteries. After questioning her closely, she said there had not been a {$210.00} charge on my BofA credit card. I said, if that 's the case, then I 'd drop my challenge since, according tohere, there was nothing to challenge. TODAY XXXX/XXXX/2016, I got a letter from BofA. It says a charge of {$210.00} was placed on my credit card account because I agreed to assume responsibility for it which I NEVER DID. The good news is that, no doubt, BofA has recordings of all this which will prove my point, most especially the last contact a few days ago. That woman was either incompetent or untruthful. I now want BofA to eliminates this charge once and for all.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Transaction issue — 
Company: Neon Newco Corporation (TX)

Was overcharged for a hotel stay on XX/XX/XXXX and have asked for the overcharge of XXXX be credited back to my account. I have provided documentation proving that there was an overcharge and have gone back and forth with Netspend Dispute Resolution Dept for months now without any response or correction of said charges ( see attached information for details ) I am looking for resolution for CLAIM # XXXX - that I have sent numerous requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I get the textbook response that I would be contacted within two business days regarding this claim ... and have yet to hear back from NetSpend regarding this issue..
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I had a XXXX XXXX card on which I had accumulated XXXX in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.
Consumer complaint received 2017-02-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Armand Law Group, PLLC. (OK)

Came home from work, and my roommate hands me my mail. I noticed a strangely colored and labeled mail, so I opened it first. It 's from a law group or agency, stating that I owe the amount they requested in the letter. If they fail to receive the payment requested, they may or may not pursue legal action to recover the debt. And if they do decide to take legal action, the issue will be forwarded to one of their attorneys in my local area. They are accepting payments through a given website and phone number. How they failed to convince me that this is real, is that they require my account number. I 've never been in trouble with the law regarding any persons or business, so I do n't understand how or why I received this letter in the first place.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identy theft and also XXXX and XXXX XXXX Data Breach. The following accounts listed in this identity theft report are being reported fraudulently. Please remove these fraudulent accounts immediately. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

My Bank of America Credit Card has had frequent " fraud alerts '' that result in shutting down the cards and re-issuing new cards. This happened XX/XX/XXXX, XX/XX/XXXX, and XXXX. All of these supposed " fraud alerts '' are all round number purchases, {$5.00}, {$500.00}, {$1200.00}, all are adjacent to traveling. I believe that the frequency of these fraud claims is too high to be believable, I do not believe that a real fraudster would randomly choose a round number, tax in a purchase never comes to a round number. There are other instances of fraud alert in the history of my particular account that seem to be quite a high frequency. I have never had this occur before accept in XXXX from XXXX, when they called to alert me of fraud that they supposedly stopped, the next day they called to sell me fraud protection insurance. I cancelled the card. On this occasion, I no longer believe these are actually happening, but are generated from within Bank of America for some internal benefit that I may not be able to fully grasp as an outsider. On this particular occasion, I travelled to XXXX for a continuing education conference, while my and children travelled to XXXX for a beach vacation. We both put in appropriate travel notices respectively to XXXX and XXXX. During our travel, Bank of America claims that an " online donation '' was made to an organization in XXXX, XXXX. I find this very hard believe because, I have never been able to make the online purchase without the printed security code on the back of the card. I am presently hypothesizing that due to risk management reason, Bank of America generated their own false fraud claim because of the algorithm of two people who live in rural XXXX traveling separately to XXXX, XXXX and XXXX at the same time. Despite doing out travel notices this fraud alert occurred again and locked up our account. My wife is stranded in XXXX needing her credit card to check for her flight back to XXXX and I have had to " hit up '' my XXXX XXXX XXXX father for cash to return to XXXX by car. I hypothesize that the risk management policies of Bank of America have left more than one customer high and dry in the obsessive interest to protect their organization. I had the house painted XXXX and did the down payment on my card and the shut off the card due this purchase. It was unbelievable trying to explain to them that it was not a fraudulent purchase. Is it possible for them to self generate a " fraud alert '' to minimize risk to their benefit, but the loss to the consumer. Help me and my stranded wife and kids.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I currently bank with wells fargo. I pay my bills through online banking bill pay. I pay my bills on time, all the time. About a year ago XXXX sent me a paper bill that was huge!! I called them and they told me that I had not paid my bills for over 3 months, they were ready to shut off my electricity. I said NO, I did pay my bills and I have proof. I faxed her the Wells Fargo online history of payments. 

The gal at XXXX looked into it and said that my payments went to some other account and that they would try to straighten it out. I thought it was a XXXX problem. Then she told me that my account numbers for paying had been changed so that my bank account and XXXX account were no longer " linked. '' I told her to change it back. She said, no, that it was Wells Fargo that changed my account numbers and they needed to change it back. I actually did n't believe her. 

So I look at my Bill Pay, I see the account numbers, and it shows the same as it has always shown. 

So I called Wells Fargo, I complain deeper and deeper into the company and finally a gal tells me that, yes, my account numbers had been changed " back of the house '' and no she did n't know why. I asked how they could change my account numbers and not tell me. And I could n't even see that they were changed. They never admitted anything but I could tell that something was wrong. This took many, many frustrating hours over about 10 days to resolve.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (TN)

XXXX I applied to refinance my home I was denied due to a collection that I was uaware about. I contacted XXXX the orginal comapny and they stated that they had sold this account to XXXX XXXX and gave me a XXXX number which i called and it was disconnected. I then contacted XXXX  again and asked for an updated number but was given the same number... but oin my credit report it has ziondebtcollection.com which I also tried to contact and got no answer. I am out of ways to contact or try to resolve this debt and would like for this item to be removed from my credit file as I was not notified and given to chance to pay this debt before it went to my credit.
Consumer complaint received 2017-03-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

Citibank ( Best Buy ) has called my home multiple times a day for the last week. They are trying to locate a man named XXXX XXXX XXXX. Although I have had my phone number for eight years, the number did, at one time, belong to XXXX XXXX and his wife XXXX. Over the years I have received a number of debt calls for this couple but when I 've informed the debt collectors that I am not a member of the XXXX family and I do not know them, the calls have stopped. Unfortunately, the calls from Citibank have continued. When I complained to them, they told me that their system shows that my number is the incorrect number for XXXX XXXX but they said it will take a little time for their dialer to catch up. I want the calls to stop. I do n't care that their dialer needs to catch up. This is not my debt and the calls need to stop immediately!