davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MD)

I 'm selling products on Ebay for a few months and everything was fine until I tried to upgrade PayPal account to business account with a debit card. PayPal required that the account owner has a valid SSN, address, ID, etc. So I added my husband 's information as the main account holder since he has everything they need and we have been using his bank and address since the account was opened. Less than 24 hours after I added his name, PayPal sent me an email with Case ID # XXXX telling me that my account is now permanently limited and would n't be able to do anything for 180 days to make sure I have enough money to cover any payment reversals. 
I have n't done anything wrong or break any agreement with PayPal or Ebay. There wo n't be any payment reversal from Ebay as well because I never enabled the return option for customer and I got 100 % positive feedback on Ebay. I do not want to wait 180 days to get my money.
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX 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. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-12-02
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. (NJ)

There are XXXX fraudulent inquiries listed on my XXXX credit report that I have tried over and over to dispute to no avail with XXXX. It's mighty XXXX that they will acknowledge the fraud alert and place it on my credit report but not remove the fraudulent information which makes absolutely no sense. The inquiries are as follows : XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX And on my Transunion report the following inquiry has been fraudulently placed and I have tried over and over as well and I tired of trying with both of these agencies and it shouldn't be this way for something that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-01-13
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION (FL)

I have received phone calls from Regional Acceptance four to five times a day! Sometimes even more than that. Over the past few days they have called at least twenty times and from several different numbers. This includes calling and hanging up right after. They even called me 4 times within an hour! I ca n't answer the phone most of the time because I 'm at work. They will call all the time. I 'm behind on my bill but they did n't honor an agreement made. I made a payment recently online and saw that they are still charging me for XX/XX/2016. I have paperwork stating that it is pushed to the back of the loan. I have had harassing calls in they past from Representatives, supervisors, and managers alike. It got so ridiculous I had to speak to a branch manager. This company is very unprofessional and they do not honor their agreements. I 'm a single parent and had to deal with many hardships when I got my vehicle financed through this company. I have tried my hardest to play catch up but XX/XX/XXXX I took a pay cut. When trying to pay up my balance XX/XX/2016 that also became another issue with multiple problems. I kept getting quoted different amounts and no one could give me a straight answer. They tried taking a payment and it did n't go through. When I called to find out how I could resolve the issue they said oh just pay x amount and then I wo n't have to pay XX/XX/XXXX. Completely differen again from what I was told days before. And I did pay. Now they are n't keeping their word. I do n't trust this company or the workers there. I do n't know what to expect while I 'm on the phone with them. Majority of the time I 'm met with hostility and do n't feel comfortable speaking to anyone there.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

I have an outstanding bill of {$310.00} that I am disputing. I have been dealing with XXXX XXXX XXXX  and XXXX XXXX customer service teams sinceXX/XX/XXXX. My issue started when I initially tried to do a transfer of billing responsibility. After numerous 60+ min phone calls with their XXXX  lines, I eventually went into an ATT store, where they advised me to just cancel my account and start over. They ensured me that I would not be charged for the months I was without cable ( XX/XX/XXXX) - however, I recently received a bill from a collection agency in XXXX. Followed by numerous harassing phone calls from the Collections Agency ( they've called me 12 times today alone, in the past hour ). When I did try to settle my bill with them, XXXX, the bill collection agency, was incredibly rude and threatening.

Therefore, I tried to call XXXX XXXX XXXX and XXXX   to resolve the bill directly with them, neither of who will actually take responsibility and offer any helpful solution. They are stating I have an outstanding bill for two months of service that were never paid. However, I did not have cable in my house from the months of XX/XX/XXXX In XX/XX/XXXX, my service was finally re-installed per XXXX XXXX XXXX XXXX  suggestion, to set up a new account. I should not have to pay for two months of service I did not have, due to lack of record keeping. They are trying to say my services were not turned off until XX/XX/XXXX- which is not true.

All in all, this has been the most miserable experience. There has not been a single customer service representative who has been able to provide me with a helpful solution, and instead I've been passed off from department to department, just to have to start my explanation over. I originally signed up for XXXX internet + cable, but through the transfer of billing responsibility, my bills were split and my headache began. I was never provided with a XXXX account number, login information, etc., I also called numerous times to have the information on the account switched, to which lead to never being saved. So, when I called to get assistance, I would spend 45 min just trying to log into the proper account because XXXX has no insight into XXXX XXXX  and vice versa.

Let me end by saying I have been dealing with this headache since XXXX XXXX XXXX, coming up on 9 months now. I am exhausted and would just like to a resolution. I don't feel its right I pay a $ 300+ bill, for services I did not have and an experience I deemed so terrible I ultimately *paid more* to cancel.
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected now! 

XXXX  XXXX
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MT)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 my file at Experian 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 items 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.. I need the account corrected now! 

XXXX XXXX
Consumer complaint received 2018-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX  and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX to file a dispute with them and the file # is XXXX. 
My goal is to get all of the inquiries removed from my credit score  as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. 

XXXX : 1. XXXX - OCT. XX/XX/18 2. XXXX/ XXXX. - XXXX XX/XX/18 3. XXXX  XXXX - XX/XX/18 4.   XXXX Bank - XX/XX/18 XXXX : 1. XXXX XXXX Bank - XX/XX/18 2. XXXX , XXXX - XX/XX/18 3. XXXX  XXXX Bank XXXX - XX/XX/18 4. XXXX/ XXXX  - XX/XX/18
Consumer complaint received 2022-12-02
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. (NY)

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Equifax doesnt have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Bread Financial Holdings, Inc. (FL)

Someone has stolen my identity and has taken out credit cards under my name. First credit card that came under my name was for childrensplace and I called comenity to report the issue. Now I received a hard inquiry in my credit report for XXXX which I never applied for. This is also under comenity.
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Remove the late payments from this account : XXXX  XXXX
Consumer complaint received 2022-12-02
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. (TX)

FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion 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 TransUnion 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 items 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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2015-06-02
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stallings Financial Group, Inc. (GA)

I was contacted by a representative of Stallings Financial Group out of XXXX, GA on XXXX/XXXX/2015. I was contacted by XXXX and he did not verify that he was speaking w/ me, nor did he give the mini miranda. They also disclosed all personal information to my sister who is NOT authorized on any of my accounts and now I am totally distraught. I had my husband to call them today ( XXXX/XXXX/2015 ) b/c he is in the collections industry and they were very belligerent and used condescending tones toward him when he tried to help me to resolve the issue in a professional manner. I have also made a complaint to the Georgia Governor 's Office of Consumer Protection and to the Federal Trade Commission as well. My husband also contacted the principal owner of the company who is XXXX XXXX or XXXX XXXX. I do n't know exactly which name she goes by at this time however we tried to make a valiant effort in taking care of this matter rationally to no avail. Also I left a message for her attorney which is XXXX XXXX XXXX and he is listed as the registered agent for Stallings Financial Group. I left a message w/ his secretary who said he will not be back in his office until tomorrow ( XXXX/XXXX/2015 ).
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

Alliance One is the collection agency used by the City of XXXX XXXX to collect past due accounts. They billed us for a previous-year tax issue which was resolved. XXXX agrees, and has sent us emails confirming the closure of the issue. Yet, Alliance One continues to robocall us twice a week. Each time I call them, I ask them to contact their client, and they refuse to do so. I also tell them to stop calling here, and that demand has been roundly ignored. XXXX XXXX also refuses to contact Alliance One, insisting that I request a statement or invoice to forward back to the city as proof that the account is still being pursued ( which they wo n't do ). Neither entity seems particularly motivated to end this. Can you help?
Consumer complaint received 2018-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Larry H. Miller Group of Companies (UT)

XXXX XXXX of Larry H Miller XXXX illegally discriminated against my attempt to purchase 3 new cars and 3 crate engines by direct deposit into their bank account. 
I offered full sticker price, and offered to let them retain the purchases until payment goes through. 
If Larry H Miller Co. Fails to right this wrong I shall file a lien and I shall pursue a Sheriff 's auction. I shall also bring a lawful Judgement against XXXX XXXX of Larry H Miller XXXX for Breach of Fiduciary Duty, in the maximum amount for which I can find legal precedent.