davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX ACCOUNT IS BEING REPORTED WITH {$7800.00} BALANCE XXXX XXXX 2021. MY XXXX XXXX XXXX XXXX BALANCE IS {$0000.00} XXXX. CORRECT INFORMATION. MY DUE DATE IS THE XXXX OF EVERY MONTH.
Consumer complaint received 2021-05-03
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. (FL)

To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding XXXX XXXX XXXXt {$420.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Consumer complaint received 2021-05-03
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)

As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX and XX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.
Consumer complaint received 2021-05-03
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. (RI)

I noticed a company named XXXX # XXXX AMOUNT {$59.00} reporting this collection account that doesn't belong to me. I was never properly notified about this account by this agency. I would like this account removed from my reports immediately.
Consumer complaint received 2021-01-07
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)

Transunion took a collection off and then they put it back on This is the THIRD time they have done this!

This is so ridiculous {$1100.00} is owed in the collection. It was removed and then placed back on. 
This is not okay to keep taking off and putting back into my credit report and it needs to be removed completely! 

They did not verify collection they just placed it back on!
Consumer complaint received 2024-10-17
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

Subject : Urgent Request for Deletion of Inaccurate Information Dear Fair Collection and Outsourcing/XXXX XXXX I am writing to formally dispute several negative items on my credit report, which I believe are inaccurate and damaging to my creditworthiness. The details of these items are as follows : Invitation Homes I have thoroughly reviewed my credit report and have found discrepancies that are not only erroneous but also in violation of the Fair Credit Reporting Act ( FCRA ). I request that you conduct a thorough investigation into these items and remove them from my credit report immediately. 

Please be advised that I have documentation supporting my claims, which I am prepared to provide upon request. I urge you to take this matter seriously, as the presence of these inaccuracies is causing significant harm to my financial standing. 

If these negative items are not corrected or removed within 30 days, I will have no choice but to pursue legal action to protect my rights under the FCRA. I trust that you will handle this matter promptly and professionally. 

Thank you for your immediate attention to this urgent issue. I look forward to your swift response.
Consumer complaint received 2020-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My father and stepmother ( both passed away in XXXX ) had taken out a home equity line of credit with Bank of America in XXXX. After the passing, we put their home up for sale. We found a buyer and the home was supposed to close on XXXX. The title company located this XXXX line of credit and showed it was still in force. No one was aware that this deed existed prior to the title search. The closing attorney in Georgia attempted to contact Bank of America on several occasions to get the deed cancelled. They were unsuccessful. As Executor of the estate, I told matters in my own hands and went to my local ( XXXX Florida branch ) on XXXX XX/XX/XXXX to try to resolve it. I was put in touch with an investigator, who told me that the deed was not in their digit system. This would require a hand search. He told me that it would take 3 to 4 days to get solved. The case number was assigned ( # XXXX ). Today XX/XX/XXXX, BOA notified the closing attorney that it would take 15 days to resolve this. This is completely unacceptable. I have buyers who are ready to walk. I have allowed them to move in pre-closing because I thought this would be resolved this week. BOA 's failure to resolve this is costing the Estate and the buyer money for each day this goes on. This need to be resolved yesterday and not 15 days from now. The latest correspondence from BOA is below : Thank you for submitting the necessary information required to review your lien release. Please be assured that we are working to fulfill your request. We ask that you allow 15 business days for completion. Status updates are not available via email. For all status and questions, please contact Customer Service at ( XXXX ) XXXX and provide reference number XXXX.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery calls every day at least 10 times each day this harassment needs to stop immediately. There are no debts owed for collections and no debt collections on my credit report. This company has been calling since year XXXX. I have had to install and are still paying for XXXX service to silence these calls due to the amount of times a day this company calls. This company needs to remove my phone number from their call list. I have a right to have peace especially after over XXXX  years of calls to my phone number everyday multiple times. Please advise if there is another avenue in handling this situation.
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC (CA)

BESTEGG did not make direct payouts as I requested. 
MISSING {$5000.00}. Payout never made to XXXX XXXX, not sent to me, and did not pay on an existing account. MISSING {$5000.00}. 

I contacted BESTEGG back in XXXX to find out where the missing {$5000.00}. XXXX XXXX payout was. 

BESTEGG did not provide the direct payout letter until months after loan was distributed. XXXX XX/XX/XXXX The payout letter is incorrect. I did not request a payout to XXXX XXXXXXXX XXXX on this current loan. I do not have a current open account with XXXX XXXXXXXX XXXX. I paid off and closed that account in XXXX. 

That payout was supposed to go to XXXX XXXX as I requested. The payout is at XXXX XXXX XXXX, I do not have access to it, I dont have an open account. I am currently being charged by BESTEGG for a portion of this loan that was not distributed properly. 
BESTEGG used old data from an old application that was denied and sent a direct pay to the wrong account in addition BESTEGG did not pay off a credit balance on XXXX XXXX. Still missing {$5000.00}. from the payouts with no help from the BESTEGG team. 

To date XX/XX/XXXX I have not received the {$5000.00}. payout nor was my creditor paid. I do not have access to the payout BESTEGG sent by mistake to a closed account at XXXX XXXXXXXX XXXX. I am not a current customer of XXXX XXXX XXXX, I am a current customer of BESTEGG that has refused to acknowledge or correct the mistake leaving me with a {$5000.00}. Deficiency {$5000.00}. Still outstanding from payout, not paid out to me or any of my open current accounts.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (NJ)

On XX/XX/2021, I received a phone call from Current team, same number thats on back of my debit card. The guy XXXX had all my information and informed me there was fraud on my account. He went on to say, my account had been compromised and they would have to send me out a new card. He placed me on hold and not even a min passed before the line disconnected. I went to log into my online banking app and all my money was gone! Transferred into XXXX account in which the names I have never seen before or never even sent money before. I reached out to current support right away but after a week I got no string answers to as in where my money went. XXXX agent by the name of XXXX told me no one ever even escalated the claim and apologized and assured me she would do it same day. After contact with XXXX XXXX received an email a few minutes later saying they didnt find any fraud in transfers and denied me my refund of money. I was confused because to get back to me they told me it takes XXXX business days through email but the same agent that escalated the claim was the same agent that sent email denying my funds. If there are different levels of office I should have been receiving an email from the fraud department not the same current agent XXXX. Something is going on inside the Current team. You dont get proof of investigation, as I have tried to request all documents in decision process. I have been unsuccessful with getting through to them. And the bigger picture is that my account is still out {$3300.00}. That was my stimulus and part of my income tax refund. I dont know what to do. I have contacted the banks and they told me they have nothing to do with the Current banking policies but the bank policies promises protection on deposits up to {$250000.00}.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

I previously filed a complaint with cfpb and was found not at fault. The company sent an apology letter but still hasnt refunded my cash rewards balance and have persisted in billing and charging me interest after I payed and closed the acct and has filed negative report to credit bureau
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Conduent Incorporated (PA)

A total of XXXX was charged to my eppicard throughtout the last few month from places far away from me at XXXX. I put in a claim once i notice and took more then 85 days to respond which i was told was denied because i knew of the charges. which is 100 percent untrue.
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2021-01-07
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. (GA)

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Consumer complaint received 2020-12-17
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. (TX)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 52 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 52 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Started a new business just 5 days ago. I decided to use Paypal as a Payment Merchant. I had few order shipping 's to XXXX almost {$350.00}. 2 days ago, PayPal limitized my account and asked for the documents verification. I have sent them the Resident Identity Card with my Company Incorporation Letter and Purchase invoice. Yesterday received 2 emails from Paypal, the first one states that they have locked my account and hold my money for 180 days due to the potential risk involved in the items I am selling. And the second email I have received stated that partially limitations have been removed however I shall be unable to use the PayPal account and the balance will be on Hold for next 180 days. This is my 5 days Business Journey with this XXXX XXXX. The most interesting fact is that I am selling the computer accessories, digital goods like softwares and also helping customers for the marketing campaigns, so what was the potential risk involved? Tried reaching the customer services team through international calls and the XXXX chat option and have wasted almost 6 hours but no response. I don't want to have business with this XXXX XXXX but they have no right for holding my funds for 180 days without a proper reason. My registered email with Paypal is ( XXXX ).
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (MA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Upon review the files, it comes to the attention that there is an Error information appear regarding about a Bank of America incurred on XX/XX/2020, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Consumer complaint received 2024-10-17
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Shellpoint Partners, LLC (TN)

My servicer at the moment were sls specialized loan servicing they drop my account in XXXX and turn me over to shell point mortgage servicing I am behind on my mortgage serveal of months understand I was approved for loan modification so we went the loss mitigation for a repayment plan I have been working on this since XXXX with company to solve this account I have a foreclose sale scheduled for XX/XX/year> shell point is taking there time to respond to me as a customer who has rights to not lose my home am willing to work with the repayment plan and moved forward and pay all the fees they are looking for they have submitted the paperwork to the underwriting now am waiting on an approval to same my home and have a down payment