davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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. (NM)

I have been a XXXX customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above 800 however now it is around 760. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.
Consumer complaint received 2020-09-10
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.
Consumer complaint received 2020-09-10
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. (CA)

Creditor is reporting inaccurate and fraudulent information on my XXXX credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau Experian of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX promptly.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (CA)

Bank of the West started to charge my business account for monthly account fees without notice. The first time I found out about this is when my credit report showed a collection account for the 2 accounts for  amounts of {$100.00} each in early XXXX. I reached out to Bank of the West whom confirmed that they removed all fee waivers in XXXX of 2020 and upped the charge from {$10.00} a month to {$25.00}. I was never notified and they had my correct phone number on hand and should have called to inform me at any time.
Consumer complaint received 2020-09-09
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 (OH)

I had a friend deposit money into my PayPal account on XX/XX/2020. The transaction ID was XXXX he does a lot of charity work so it was posted by the state of Arizona XXXX because thats his business account. He deposited XXXX $ into the account and PayPal froze it. I had it deposited into the account to pay bills. I purchased a PayPal debut card so it would be easier to pay my bills online or over the phone with the debit card. I have only had 3 deposits on PayPal. I dont use it to buy or sell things. I realize PayPal is not a bank but if they have a debit card that you can get why would they freeze my money so that I could no longer use it? I am not interested in having my account back I just want to be able to transfer my funds into another mobile banking account. They are saying it will take 6 months for them to allow me to tansfer my own money into an account. Im behind on my bills already and Im about to get evicted. Please help me any way that you can. PayPal is not letting up on my account being unfrozen. I have never done any type of fraud or anything wrong for them to do this to me. Thank you for your time.
Consumer complaint received 2020-09-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Pacific Lending LLC (MI)

On XX/XX/XXXX, I was approved for a personal loan with Pacifica Finance. They stated that the loan would be deposited, in full based on my application, by XXXX that evening. 

Since then, theyve made several inquiries to my bank and done multiple verification to ensure that, on my behalf, everything is being done correctlyon their behalf, things have been lagging severely. 

In the last few days, their employees have resorted to name calling and asking me to pay them prior to fund delivery rather than ensuring that the funds are delivered as promised with no obligation to me at all as the loan agreement has been signed as of XXXX. The only thing thats been amended in that agreement is my banking information because they inquired about verifying my debit card on my XXXX XXXX XXXX account which caused strange transactions shortly aftermy account was then flagged immediately after. 

The new account given has been verified and meets the criteria for deposit.
Consumer complaint received 2020-09-09
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. (LA)

Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX  my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VT)

An account was opened in XX/XX/XXXX with a company called XXXX XXXX XXXX in amount of {$1600.00} in XX/XX/XXXX another company called Midland Funding purchased the account they put the account in collections in the amount of {$2100.00} I did not open this account. On XX/XX/XXXX Midland Funding brought me to small claims court. The Vermont XXXX XXXX in XXXX XXXX XXXX ordered the case be dimised without prejudice docket No. XXXX XXXX as of XXXX. XXXX XXXX Midland Funding and XXXX XXXX XXXX  will not remove the account from the three credit bureaus even after disputing them with the all 3 credit Bureaus and providing the court documents to the credit Bureaus because of this I am not being able to refinance my current home because it is affecting my credit scores. I have been trying since XXXX of XXXX to get this removed. I know it falls under the fair credit reporting act.
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (MO)

This is a follow up of complaint XXXX on XX/XX/XXXX and was responded to on XX/XX/XXXX asking for identification information rather than a resolution even though the information was given in the original complaint. It seems like these complaints are not even read and just submitted electronically because the same incorrect information is responded as correct. 
This letter was faxed on XX/XX/XXXX to Equifax and it was just submitted as another dispute to be " verified '' instead of actually looking at the OBVIOUS incorrect information which should be removed immediately. This has been sent in countless time and actually needs to be handled correctly. This is a violation of my rights and causing me unjust harm. This is completely INACCURATE reporting and all that happens is a dispute is submitted and comes back verified when it is not possible. These EIGHT accounts all from the US Department of Education were consolidated into new accounts in XXXX of XXXX and have has a XXXX balance since that time frame. After that the student loans were discharged due to XXXX and XXXX XXXX in XX/XX/XXXX. Beginning in XXXX these EIGHT accounts all identified as XXXX that were closed with a XXXX balance started reporting negative information as a collection account and multiple times as 120 days past due which is Impossible at this point since they were discharged and have a XXXX balance. At this time these EIGHT accounts need to be DELETED immediately due to continuous INACCURATE information and they have been discharged and should be removed anyway as or credit bureaus have already. Do not simple send a request to US Department of Education as they have stated they are not reporting it late. Look at the evidence on file. In previous disputes the documentation of the XXXX discharge has been sent and you can see by your own records when the account was reported CLOSED with a XXXX balance so it obviously is INACCURATE and needs to be DELETED per FCRA for inaccurate reporting.
Consumer complaint received 2020-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (FL)

The Chase Bank creditors are using predatory calling practices ; when I tried to call to discuss debt solutions to high minimum payments due to COVID and absence of current income, they increased my minimum payment instead, and have repeat calls which are 24/7 and are harassing me. This is distressing especially for my health in this difficult situation.

Also, they have no reasonable debt accommodation options for a World Pandemic, nor to assist people who are highly affected by it like myself. They are unwilling to assist with staff or calling/software systems which are not predatory to the consumer.
Consumer complaint received 2020-09-07
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: Experian Information Solutions Inc. (NC)

I'VE BEEN IN CONTACT WITH THE EXTENDED SPECIAL SERVICES FRAUD DEPARTMENT WITH EXPERIAN AND SHOWED THEM PROOF WITH A POLICE REPORT, COURT DOCUMENTS, FTC REPORT AND XXXX  FROM THE PERSON WHO STOLE MY PERSONAL INFORMATION. EXPERIAN STILL WANT TAKE THIS LOAN OFF THAT IS FRAUD, BUT THEY REMOVED THE INQUIRE THAT OPENED THIS LOAN AS FRAUD AND BLOCKED IT AND REMOVED IT AND PUT A FRAUD ALERT ON MY CREDIT FILE. THE OTHER 2 CREDIT BUREAUS REMOVED THOSE ACCOUNTS AND BLOCKED IT. BUT NOTHING I SHOW EXPERIAN FRAUD DEPARTMENT IS NEVER OOD ENOUGH. IM XXXX AND RETIRED XXXX XXXX  IN NC FOR OVER 28 YEARS AND I'VE NEVER SEEN BANKS AND CREDIT BUREAUS ACT THE WAY THEY ACT. I WANT THIS ACCOUNT REMOVED ASAP PLEASE OR I'LL HAVE NOT CHOICE TO FILE PAPERS UNDER THE FAIR CREDIT ACT, BECAUSE I STILL HAVE NEVER RECEIVED ANYTHING CONCERNING THIS LOAN EXCEPT HEAR SAY FROM EXPERAIN AND XXXX XXXX. PLUS THE ACCOUNT WAS OPENED UNDER A FRAUD ADDRESS IN SOUTH CAROLINA AND EXPERIAN DID REMOVE THAT ADDRESS AS FRAUD BUT THAT WAS THE ONLY ACCOUNT ON MY EXPERIAN CREDIT FILE ATTACHED TO THAT FRAUD ADDRESS, SO WHY WOULD THEY REMOVE THE ACCOUNT. PLEASE REMOVE
Consumer complaint received 2020-09-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$7700.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Consumer complaint received 2020-09-09
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: LEXISNEXIS (GA)

On XX/XX/20 I called and requested my full disclosure consumer file from LexisNexis. My identity was verified and my report was mailed. On XX/XX/20, I sent in proof of identity ( copy of ID and social security card ) and correspondence requesting removal of bankruptcy, ALL old addresses ( and email addresses ) and requested to update my new address ( case number XXXX ). During this time, I mailed a letter to the US Bankruptcy Court and I received mailed correspondence dated XX/XX/20 stating they don't validate or verify bankruptcies or public records for LexisNexis or any other 3rd party companies. On XX/XX/20 I called in to request a security freeze on my consumer report, I verified my identity, and a PIN was created and mailed to me. On XX/XX/20 I emailed LexisNexis the letter from the US Bankruptcy Court and I requested the bankruptcy to be removed due to inaccurate reporting. On XX/XX/20 I spoke with XXXX and stated the 30-day statute ( from XX/XX/20 ) had passed regarding my dispute to remove inaccurate information. XXXX goes on to say that my identity couldn't be verified and that was the reason nothing was mailed. Any time I send correspondence, I always include a copy of my ID and social security card. Now all of a sudden, my identity cant be verified. In that recorded conversation, I requested yet another investigation for the proof of method of verification of the bankruptcy from my file ( case number XXXX ). Again, I didn't receive anything after the 30-day statute, so I sent another email on XX/XX/20. This time I received response via email stating to call LexisNexis. I called on XX/XX/20 and spoke with XXXX and he told me my identity could not be verified so that's why nothing was mailed. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to  contain only the last 4 digits of the individual 's social security number or tax identification number. FRCA 611 ( a ) ( 1 ) ( A ) was violated in each instance, therefore I request that this public record be removed from my report and an updated report be mailed to me.
Consumer complaint received 2020-09-09
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. (NJ)

I entered in Federal Rehabilitation loan that paid all loans in XX/XX/2016. I was assured that all negative Student loan payment history would be deleted from my report if I agreed to the repayment plan. I have not missed a payment since I signed up. My Balance is XXXX and all my accounts are being paid on time. I would like all the the late payments and delinquencies from XXXX XXXX to be removed from my Credit Reports.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I have a account from XXXX  on my credit report that was removed and now reaped on my report with a incorrect date and should be removed as it was removed by the company before
Consumer complaint received 2020-09-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted Transunion on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Transunion on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 

So, I questioned Transunion and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 

So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Transunion was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 

I reached out to both courts to discover that Transunion and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to act.
Consumer complaint received 2020-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (WI)

I recently received this Collection attempt from American Coradius Intl llc,  and dispute this collection in its entity XXXX XXXX  # XXXX amount {$1000.00} reference number XXXX as an ongoing fraud filed/ID theft XX/XX/XXXX. XXXX recovery. I called them and disputed this ID theft and following up with CFPB. As best I am able to discern it is an on going attempt to collect monies I have no idea of it. I moved to XXXX, XXXX XX/XX/XXXX, I stopped living in FL at that time any debts prior I do not recall ever seeing and I am surprised when this showed collection attempt came. I have been XXXX since XX/XX/XXXX per SSA My wallet went missing in XXXX when i moved out of the country i vigorously deny any association of any use of XXXX or XXXX XXXX   with this referenced account. Further I wish to have them not to report this credit bureaus as uncollected debt.
Consumer complaint received 2020-09-09
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. (LA)

Me and my twin sister were hanging out one weekend years ago on XXXX XXXX  my twin had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud
Consumer complaint received 2020-09-07
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: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I talk with a supervisor with Experian on the conversion I was told to get a Letter from US bankruptcy court.. Soon I receive the letter I sent it Certified mail on XX/XX/XXXX to Experian.. On Today XX/XX/XXXX they update my credit file & the Bankruptcy still on my report this is against the law. I spoke with a Second Supervisor his name was XXXX told me that the letter was correct & this Bankruptcy will be remove. I will upload the letter i sent to Experian. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.