davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This XXXX accounts is inaccurately and erroneously reporting on my Credit Report. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX and according to FCRA XXXX XXXX. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about my concern to this accounts. Please investigate and remove this following accounts completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance : {$110.00}
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

In application page for American Express XXXX XXXX, it says ''Welcome offer not available to applicants who have or have had this Card or the Premier Rewards Gold Card. We may also consider the number of American Express XXXX you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' When I apply for this card, I had never applied for Amex XXXX or PXXXX XXXX XXXX XXXX  before. 
However, today when I called, I was told because I had applied for Amex XXXX, I am not able to receive Amex XXXX welcome bonus. This is totally false promotion. 

Another issue is with my Amex XXXX  When I apply it, I was told I received the offer of XXXX points and XXXX points in Grocery and Gas Station. Amex only gave me XXXX points but not XXXX points in Grocery and Gad Station purchase. I was told today it is because it is just their manager 's decision.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NJ)

I have {$0.00} dollars in my Robinhood brokerage and my account can not be accessed because Robinhood insists I provide information that I do not feel comfortable sharing with them. This is even after the XX/XX/XXXX data breach that affected over 7 million customers. I ask for any and all sorts of alternatives and am met with indifference. 

I WILL PROVIDE A FULL DETAILED REPORT AND MORE EVIDENCE IN ATTACHED FILES. They contain another banking institution 's contact profile for me, a blog post by Robinhood Financial and an email conversation with Robinhood.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (MD)

There are 2 criminal reports, both listed as misdemeanors, however, they are not representative of any activity that I was involved in. 

1 ) Case # XXXX, File Date : XX/XX/XXXX, XXXX Date : XX/XX/XXXX. This is from XXXX XXXX, MD XXXX ) Case # XXXX, File Date : XX/XX/XXXX, Disposition Date : XX/XX/XXXX. This is from XXXX XXXX, MD
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2021 there were two withdrawls made from my personal checking account in the amount of {$2500.00} each in two seperate areas in Florida. I live in XXXX Arizona and was not in Florida during the time the money was taken from my account. Wells Fargo did not notify me of any suspicious activity. I noticed the activity on my account and notified Wells Fargo of the withdrawls made and a claim was established. Since that time multiple claims regarding the same issue have been submitted and all claims have been denied by Wells Fargo with them saying there was nothing else they could do for me and suggested I contact the sheriff 's departments. I then contacted XXXX XXXX XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX. Neither of the sheriff 's departments were able to help me recover my funds. I did receive a suspicious email saying a card was added to my XXXX XXXX, but I am unaware of what that is. At no time in my life have I ever given another person my personal information or been irresponsible with it. I have been trying to get my money back for months now with no help from Wells Fargo.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section XXXXB that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MO)

I refinanced my auto loan with another company and paid off my loan with Ally in full. There was an overpayment of {$1800.00} and was told a check would be issued back to me. 

Ally indicated my account was paid in full on XX/XX/XXXX and a check was issued back to me on the XXXX for the overpaid balance ( approx {$1800.00}. ) On Tuesday ( XX/XX/XXXX ) I contacted Ally to ensure I had no misunderstanding and that the check was in the mail ( before making another financial commitment ). The rep assured me it was in the mail and to give it XXXX more days. So I did. ( Note, Ally indicates they have a transcript of this chat, however when I asked for it today they refused to provide me with a copy. ) Today ( XX/XX/XXXX ) no check, so I got in contact with Ally again to confirm the address they sent it to. At this time an agent comes back and tells me the check was never issued and it could be another XXXX days before they issue the check. I went round and round and he said he requested my check to be expedited but it was up to the refund team, so I'm confident he was just trying to put me off. I am concerned they are stealing my money or I'm being swindled.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TN)

On XX/XX/2021 I was the victim of computer scam. My computer was flashing a red screen with a phone number to call. I called the number and the " Hacker '' told me they were with XXXX During my interaction with the hackers they advised me that I needed to contact my bank and my credit card companies to advise them I needed extra security on my account. So I went ahead and contacted my bank and spoke to a customer service representative and let them know I needed " extra security measures '' on my account. Then in order to get my computer fixed I needed to get a disposable phone that cost me {$XXXX} and then I had to buy XXXX  gift cards from XXXX for {$XXXX each and the go back and buy XXXX more gift cards for {$XXXX} each,. XXXX days after on XX/XX/2021 I was contacted by my bank and was advised that I had been scammed. They also advised me to call all of my credit card companies and to make a police report. So I went and filed a police report about the scam and I disputed charges with my credit cards. XXXX XXXX the credit card company has not been cooperative and is not helping me and has denied my claim. My credit union thought that it was serious enough that they froze my account and wouldn't unfreeze it until I had my computer checked for bugs. I have a receipt invoice from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. The phone number is XXXX. The invoice number is XXXX. The invoice date is XX/XX/2021. The payment due XX/XX/2021. The amount due is XXXX dollars. Items quality price amount labor removed fake XXXX remote access. Cleaned up machine from malware infections. Installed latest XXXX XXXX update, patches, and drivers. Installed malware bytes protection {XXXX}. That's what's stated on the receipt. On XX/XX/2021. I sent them all the information that I have like the police report and the XXXX, and I sent them a copy of the computer removal. I tried to attach files with this complaint but are too large. I have a letter dated XXXX XXXX stating that I would not be responsible for the activity. I have the statement due on XXXX XXXX with credit for the XXXX {XXXX} charges and I have a copy or the payment statement after I got an alert that i was near my credit limit on XXXX XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are some obvious errors in some of my accounts. Please delete these items immediately. It looks like someone literally started a life using my information. I have always paid things in cash and was astounded when I had someone look at my credit. I had previously hired a credit repair company to handle this for me a couple months ago. However, I think they are used to dealing with clients who are ACTUALLY GUILTY. So, I am trying to handle this myself. At the very least please delete these items below until a thorough investigation has taken place. I can barely purchase a bottle of water with what my credit is looking like now. I have attached my passport and ID to verify my identity. I assure you none of these accounts will have MY SIGNATURE. Any signatures you may have is due to the person mentioned in the IDENTITY THEFT REPORT stealing my identity and literally starting a life with my information. This is not a Dispute Letter but a Letter of Suppression of the items stated below due to identity theft. 

XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  Account XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the letter last XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE FOLLOWING ACCOUNTS that are still reporting on my account : LATE.CLOSED AM XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX  XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (IL)

Hello, I've been a customer of Venmo for years. 

I recently made a transaction for {$1000.00} of which they covered. 

Today, XXXX @ approximately XXXX XXXX I tried to pay them with their service, XXXX. 

Although I entered the right credentials to pay them thru a US bank... it was declined. 

I then called them and noticed that the debit card they have on file for me is wrong b/c the bank issued me a new one. 

I tried to pay it in whole but Venmo insists that I must provide them a Drivers License. 

How is this possible? 

Other merchants ... XXXX, XXXX, XXXX don't ask me for this. 

Again, I've been their customer for YEARS and they've already done XXXX on me. 

Is it b/c I'm XXXX ( non-white ) that they're doing this to me? 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2021-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Collection Services, LLC (NJ)

This company completely disregarded everything I have initially disputed with them via correspondence. According to YOUR DOCUMENTS attached you have written " THIS COMPANY IS A DEBT COLLECTOR '' on the bottom of your letters. You are trying to come off as a legally bind company with ME but you are not. 

I am aware that I was violated. As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. 

Your corporation has offensive activities towards me as a consumer, such UNAUTHORIZED use that did not serve me any benefit. 

I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 1 5 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated MY privacy and only I deem what is private to me. 

15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with accurate collections services not have granted that permission. 

As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. 

It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. You DID not follow my requests, you willingly chose what to follow and what not to follow. 

I specifically stated Pursuant to 15 USC 1692 c. ( C ) ( 2 ). I am invoking my specified remedy as a consumer, and original creditor I am demanding all the following : 1. Zero out the balance of the ALLEGED debt. 2. deletion from all your files. ZERO OUT MY BALANCE and DELETION of my illegally obtained documents from your files and accounts. I have NOT granted permission for my information to be given out as I do not have dealings with you or your company. You have violated my rights over and over again
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (TN)

I received two letters stating that I owe Shepherd Outsourcing LLC, {$2000.00} and {$580.00}. 

They claim that I have an account with XXXX XXXX XXXX. I do not have an account with such a firm. I also have no knowledge of the original creditor of XXXX XXXX. I had zero medical issues 5 years ago when they claim I owed these amounts. 

These seems like a scam.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Comerica (NY)

Staff at The Non FOR Profit I live at ; XXXX XXXX XXXX XXXX. CLAIMED THAT THEY STOLE MY SSI MONEY AND REDIRECTED MY SSI FUNDS TO A DIFFERENT CARD. THEY PUT IT IN DIRECT DEPOSIT IN ANOTHER ACCOUNT. I DO NOT KNOW WHAT ACCOUNT. SO IF IT IS TRUE, MY SSI PAYMENT WILL NOT BE IN MY DIRECT EXPRESS ACCOUNT CARD ENDING IN XXXX. THE STAFF AT XXXX XXXX XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX, NY XXXX, NUMBER IS XXXX XXXX. THEY ARE JUST CRIMINALS, THAT IS ALL. PLEASE CHECK WITH THE SOCIAL SECURITY ADMINISTRATION AND GET BACK TO ME AT XXXX AND LET ME KNOW IF THEY HAVE REDIRECTED MY SSI?
Consumer complaint received 2021-11-19
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 permanently blocked my account on XX/XX/XXXX and XXXX XXXX after receiving money from a family member who stays and works in XXXX, she sent me {$2100.00} and collected their shipping cost and the remaining amount now is {$2100.00} They asked for a receipt and I did send them the receipt used to make the payment and after their reviews, they permanently limited my account and my money is there and they won't allow me to transfer my money. 
I created my Paypal account when I traveled to XXXX XXXX XXXX where I heard of it from a friend before returning to my country and I've been using it since then. 
I need this money in this pandemic and XXXX is fast approaching too. 
I need the help of the CFPB to get my money out from my Paypal account. 
This is affecting me in a very short bad way and causing me many inconveniences. 
I didn't use the Paypal account for any fraudulent act I need to pay some bills with it. 
And this is my email address for the Paypal XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX  XX/XX/2020
Consumer complaint received 2021-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

I received a collections notice for medical services when I have NO outstanding debts. I had surgery in XXXX of this year and was Required to pay my portion UPFRONT before services could be rendered. The total amount paid was {$2100.00} by credit card broken up in 2 payments ( First payment made on XX/XX/XXXX in the amount of {$740.00} and Second payment made on XX/XX/XXXX in the amount of {$1400.00} ). Surgery was performed on XX/XX/XXXX. 

I had to speak with a medical account manager to confirm this amount and to provide them proof that I had already paid my surgery physician, again prior to surgery.

Surgery would NOT be perform without me paying upfront. I was given a refund just last month due to over payment. This is a fraudulent collection attempt. THIIS IS NOT MY DEBT
Consumer complaint received 2021-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I was on the phone with a Bank of America representative win {$5000.00} was transferred out of my account she immediately made a claim and said it takes XXXX days pray decision I called every other day to check on the claim many times it was lost they can not find it so then on XX/XX/XXXX a new claim was made but then I spoke with a supervisor and she found my old claim it has been XXXX days with no letter or contact from the bank.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!