davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (KS)

Response to this, I never received invoices for these. I was in the XXXX and all my medical bills would have been paid by XXXX. I need to know where the invoices are to see if they were billed to XXXX accurately. I also have called XXXX and they stated they never received any bill from those locations mentioned. I NEED a paper copy not just a statement of this. What address is on file and where are you sending these because I have not received any. Also you can not bundle three total cost in one bill. They should all be seperate bills and if each bill is under {$500.00} dollars it is illegal per biden to place this on my CREDIT SCORE. If insurance was not used then it is also inaccurate information because I AM XXXX XXXX XXXX  and all my medical bills would be paid FOR by the XXXX!!!! 


Company 's Response Wakefield & Associates, LLC. ( Wakefield ) appreciates the opportunity to investigate and respond to XXXX XXXX complaint. The creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, placed three accounts with Wakefield on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Initial notices were sent to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. Wakefield has no record of returned mail. XXXX provided emergency physician services to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, XXXX. Wakefield acknowledges that it received an indirect dispute from the consumer reporting agencies ( CRAs ) through XXXX on XX/XX/XXXX. XXXX XXXX account was dispositioned as disputed. Wakefields investigation uncovered no evidence that it furnished inaccurate information to the CRAs. Wakefield will send verification of debt directly to XXXX XXXX.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX I received a call from someone posing to be a USAA associate. They called from USAA 's phone number ( XXXX ). They told me my checking account had suspicious activity and needed me to verify my account. I proceeded to verify by giving them my account password, not knowing they were scammers. Immediately I logged in to see what was going on. Scammers then told me to give them XXXX business days to investigate. So the next day I checked my account again and it was - {$10000.00} and that's when I called USAA and reported it. USAA told me I was scammed and that they needed to investigate. So XXXX days passed and they called and told me that it was my fault because I gave them my phone password. I told USAA that they called from your number so I thought it was USAA. I am a XXXX XXXX  who gets XXXX pavements from the XXXX XXXX and the XXXX. So the XXXX of XXXX, USAA held my XXXX payments to put towards the XXXX. I feel that this wasn't my fault because the scammers called from USAA number. If they would've called from any other number I would've known I was being scammed. USAA also didn't put the checks on hold when they were deposited and the checks were pretty much blank. The scammers only filled in the dollar amount and scribbled a signature. I also believe USAA shouldve seen that this was bogus and stopped the transaction, instead they let it go through. They are talking about closing my accounts and making me pay back the money the scammers stole from them. USAA sent me copies ofthe checks that will I attach. I also filed a police report with NY State Police. I need your help in trying to overturn their decision and get my XXXX payments back. 
( XXXX ) XXXX. Call me if need be. I was trying to upload documents but the file was too big.
Consumer complaint received 2023-12-20
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. (NJ)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

In XX/XX/2019, I made a payment to a XXXX vendor through PayPal. It was an established account I had already been paying for years. My credit card was charged but the funds were never transferred. I contacted PayPal. They assured me nothing was wrong, sometimes some payments are placed under administrative review, and that I should feel confident to continue making payments to the account. 

I made a total of six payments over the month, totalling over {$27000.00}. During that time, I contacted PayPal a couple more times. Each time they assured me the payments would be processed and that they didn't see any issues with the account. 

After a month, I stopped sending more payments but continued to contact PayPal. They told me it sometimes takes up to six months for compliance to review a payment. After six months, they asked me to be patient and said there was no timeline for a compliance review. 

I submitted a complaint to the New York Attorney General 's office. PayPal responded by declaring my transactions were flagged as an OFAC violation but they wouldn't give me any information regarding the violation or how to challenge the allegation. 

Recently, I inquired as to the status of the funds. PayPal insisted they had already refunded me the money in the XXXX, XXXX. They even marked my transactions as refunded and informed my vendor that the funds had been refunded. It was all a big lie. The funds were never refunded. 

I requested documentation showing the funds had been returned to me. PayPal refused. I contacted my credit card company ( XXXX XXXX ), who told me any refunds would have appeared on my statements and there are no refunds from PayPal. 

I believe PayPal lied about the OFAC violations. They deceived me into sending additional funds to an account they had already flagged. They lied to me ( and continue to lie ) about the status of the funds. They defamed me by falsely informing my vendor that the funds had been refunded to me. 

This has continued for over two and a half years and they still insist on lying to me about the status of the funds. This is grand larceny. PayPal has stolen from me.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-20
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. (PA)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I discovered some fraudulent activity in my transactions while filing my taxes. I filed the claim on or about XX/XX/2023 the claim included almost {$2500.00} in transactions that should not have been included. The claim was denied and so I called and went over the transactions with an operator and resubmitted the claim. The claim was denied 2 or 3 more times each time I had the same 2 hour call removing the transactions that didn't belong. This tells me that there is no investigation happening or the notes would have been read and seen the amount change and the transactions that had been removed but obviously that didn't happen and I know this because the correct transactions are cut and dry fraudulent and will not provide them with a reason to deny the claim. The denials were coming every 2 to 3 days and I find the speed of those investigations odd since they have had this resubmittal now since XX/XX/2023 and still claim to not have an answer. We are well past the 20 buisnesss days and I can't seem to reach anyone accept for operators that are in place to keep the customers from reaching anyone that can help. BofA no longer handles the XXXX accounts so I believe they are just stringing me along hoping I will just give up. This is not the WORLD CLASS SERVICE they claim at the start of every phone conversation I have filed complaint after complaint to no avail I have done all they asked of me I took it upon myself to fax over a couple things that an employee told me may help speed it up and faxed it at a branch of BofA only to have them say I didn't send them and they never received the fax. I then had to go to XXXX store and pay to have them faxed again so I would have a document showing it was received and copied it only took 8 days for them to add them to my claim finally. I didn't want to file this but they have left me no choice I believe they are not intending to pay my claim I don't believe there is an investigation happening at all since they are no longer with XXXX. After this I am going to either file a small claims suit or have a 3rd party arbitrator over see and rule on this issue I am positive that I am in right and simply want what is mine and no more! Thank you for your time.
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MD)

I received a letter from Online Information Services claiming I owe money to XXXX XXXX XXXXXXXX XXXX, with an account number that I do not have with XXXX XXXX XXXX. 

None of my accounts with XXXX XXXX is the number Online Information Services listed in their letter. 

I request Online IS to request Verification from the XXXX XXXX XXXXXXXX XXXX, and send me a written letter with Debt Verification or lack thereof, once they receive the answer. 

I spoke to Online IS twice today. 

1. In both conversations, all of a sudden, when I was asking questions, in a courteous way, the line was disconnected, which I don't think can be accidental, twice in a row, 30 mins apart. So Online IS Customer Service, disconnects the calls intentionally, instead of answering fair but tough questions.

2. They also refused to send me a written confirmation if it turns out that I do not owe them or XXXX XXXX anything. Which I think is illegal. They sent me a letter claiming that I owe them money, yet refused to send a letter if it turns out that I actually DO NOT owe them anything. 

Please look into their practices, and please make these Debt Collectors to provide letters to confirm when alleged debts turns out not to be true. 

Thank you,
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (TX)

Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification.
Consumer complaint received 2022-10-28
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: OneMain Finance Corporation (NC)

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

XXXX XXXX Account # ending XXXX OneMain Account # XXXX XXXX Account # XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVED By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2022-10-28
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. (OR)

Yesterday, I filed a dispute online at Experian requesting the removal of address : XXXX XXXX XXXX, XXXX, OR XXXX from my personal information. I received an email saying that my dispute results were ready. When I logged in to view the results, no changes were made to my report. The address was still listed under my personal information.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I have paid the XXXX XXXX for XXXX XXXX  XXXX XXXX  in full as of XX/XX/2022. This loan was serviced through Heartland ECSI and as a result the loan nor its balance has not been removed from the record as my overall loan balance on studentloans.gov is incorrect.