davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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)

I have submitted my reports for thorough investigation of fraudulent accounts reported on my credit history that is causing threatening acts towards my livelihood. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. This is now my second attempt at requesting these accounts to be removed from my credit history!
Consumer complaint received 2020-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXXXXXX XXXX  XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a zero balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
Consumer complaint received 2020-11-11
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: WELLS FARGO & COMPANY (CA)

I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX  File : XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you
Consumer complaint received 2020-11-12
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. (KY)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX Ct, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/2020, XXXX is reporting an opened date of XX/XX/2020, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-11-11
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 have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a letter on XX/XX/XXXX from portfolio recovery. This letter stated I owe them {$5400.00}. this debt is from XXXX. I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  from XXXX til XXXX. They are telling me on the phone they got a judgment against me in XXXX XXXX XXXX XXXX Virginia. I never received notification of this court date that was in a Virginia court. I lived in XXXX XXXX during this time. I never had any opportunity to recieved court documents or the knowledge this was even going on in Virginia.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

I called Collections Professional to find out more information on and to pay an old medical. I asked for more information and asked about settlement payment plans. The reps tone instantly changed and she became combative. This increased with every question i asked. 
She said i had to hold for a supervisor. 
XXXX would not give me his last name. I stated i needed to verify to whom i was speaking. He responded " I don't play games with " you people ''. 
Im not sure what you people means but i feel like hes presuposing some kind of bias. 
Turns out XXXX owns the place or claims he does. When i called him again he wouldnt say the name of the buissness. I called another number for the XXXX IL office and again XXXX answered with a hello i stead of identiting his business. It all just seems very surreptitious.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (CA)

I am hounded by Persolve legal debt collector agency XXXX. It's driving me up the XXXX wall. I do NOT have any outstanding debts and need these robocalls to STOP.
Consumer complaint received 2020-11-11
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. (MD)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
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 o utlining 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.
-- CLOSED ACCOUNTS -- 1. XXXX XXXXXXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2021-06-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (NV)

My XXXX got repod in XX/XX/XXXX and it has been charged off in XX/XX/XXXX. I received a letter from a debt agency asking for the full amount of the loan, even after I paid on the loan for almost 3 years. The car is valued at only {$4000.00} now. {$9000.00} has been written off, but the collection agency wants me to pay {$13000.00}. I was wondering how can I fight this? I received the letter today but the letter itself is dated XX/XX/XXXX.
Consumer complaint received 2020-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

XXXX XXXX I purchased online goods from XXXX. I returned the goods via XXXX XXXX XXXX and XXXX on XX/XX/XXXX. XXXX confirmed they received the returns and completely refunded PayPal XX/XX/XXXX. I did not get the PayPal refund so I disputed the billed amounts with PayPal and my credit card, XXXX 's of Delaware. Months later, I still have not received refunds despite sending PayPal and XXXX 's extensive proof including XXXX ' refund receipts dated XX/XX/XXXX complete with PayPal transaction numbers and original transaction data ( attached here ). However, what has happened is : PayPal repeatedly telling me via text and by phone that XXXX 's has the priority to handle the dispute. XXXX sending me a letter saying that PayPal is to handle the dispute. XXXX sending me a letter telling me they can not proceed with the dispute because the seller had a no return XXXX this is even though XXXX XXXX returns and they have confirmed the return and the refunds to me. The XXXX receipts I forwarded to PayPal and XXXX 's included PayPal refund transaction numbers XXXX and XXXX. PayPal has most recently told me ( supervisor XXXX # XXXX that those transaction numbers- even though it is on a refund receipt refer to the original purchase and not the refund. The supervisor XXXX told me to go back to XXXX who has repeatedly told me they refunded me on XX/XX/XXXX with the exact time as shown on the attached receipts ) If PayPal sees a refund receipt from a seller with only an original purchase transaction number why don't they become alarmed and support their customer/me and follow up with the seller to see where the refund might be/concerned about an error? As you all know, a credit card is ultimately charged for PayPal purchases. One has to wonder how many people do not notice they do not get their refund, or do not have the time and skills to follow-through with untangling this type of issue and horrific and confusing customer service. One has to wonder how many other people are having this happen when they pay for goods through PayPal, believing that their transaction and eventual return and any dispute happens safer and more seamlessly, compared to buying with simply their credit card. This inefficiency brings broad and large consumer hardship I am sure. It feels like complete irresponsibility and theft. While I have lots of proof, to avoid your being overwhelmed, I am including the most meaningful claim and complaint evidence. 1. Copies of the XXXX XXXX refund receipts including the PayPal transaction numbers for the receipts XXXX of many communications from PayPal saying XXXX is XXXX charge of the dispute XXXX. XXXX from XXXX 's saying PayPal is in charge of the dispute.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

Since XX/XX/2020 my credit card with Citigroup has been a victim of internal fraud, which has cause immense equitable harm and injury. On XXXX, While on a recorded phone call with Citigroup Credit Line Management ; I spoke with a Citigroup agent named : XXXX, with Agent ID # XXXX, this agent confirmed that several payments one for {$250.00}, 2nd for {$510.00} and 3rd for {$490.00}, were made to the account and " Would Not Be Credited '', because Citigroup had the right to not credit the account and remove all funds from the account without authorization for the account owner. I was then instructed that Citigroup was closing the account without warning or reason and not return any of the funds that they have received. Since XX/XX/2020, until this day XX/XX/2020, Citigroup has altered the ledger bookkeeping of the account multiple times and has applied a " Certificate of Deposit for - {$500.00} '' to the account, and still refuse to allow the account owner access to these funds.
Consumer complaint received 2020-10-25
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: Bread Financial Holdings, Inc. (FL)

Since being a Victim of XXXX  XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with XXXX and they refuse to remove the fraudulent trade lines off my credit report. 

How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I withdrew a {$100.00} from Bank of America atm my balance in my BofA checking account which I receive my CA State XXXX payments was {$4300.00}. There were two online debits I made one for {$25.00} to XXXX XXXX XXXX and another for {$100.00} to XXXX  prior to my account being frozen. On XX/XX/2020 I went to Bank of America atm to withdraw funds and the machine kept rejecting my card I called customer service at XXXX on the back of my atm debit card to inquire why my atm card kept getting rejected I was advised by Bank of America customer service that EDD notofied them to close my EDD account due to fraud and the representative said I needed to contact EDD. Once I hung up the phone with BofA customer service I immediately contacted EDD it became a arduous task neither company was willing to work with me on why my account was closed due to fraud. On XX/XX/2020 my BofA debit card was unfrozen and I was missing {$2600.00}. I've made multiple calls, filed multiple claims neither agency was concerned about my dilema which involved my missing funds. I walked into the BofA branch office on XX/XX/2020 @ XXXX XXXX and spoke to the Assistant Vice President XXXX XXXX XXXX XXXX who stated their was nothing he could do. At this point from the closure of my BofA account on XX/XX/2020 to current I still haven't received my missing funds of {$2600.00} this has been a nightmare and hardship for me and my XXXX year old son while I'm XXXX. That's my only source of income to pay my rent. I pray I can get help regarding this matter it's already been prolonged enough and I feel like I shouldn't have to fight for my own money.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On Saturday, XX/XX/XXXX, I deposited a check into my checking account at Chase Bank. As I put the check into the ATM, it said there would be a possible hold on these funds until XX/XX/XXXX, so I attempted to cancel the transaction. The ATM did not allow for a cancellation, basically giving no option but to wait on Chase. 

On Monday, XX/XX/XXXX I called the bank and explained the situation, letting them know that I need this money badly as I have no received any pay for nearly 7 months due to the pandemic. I am a college student, so I never received unemployment and the landscaping company I worked for laid me off. The bank said that the check would process no later than Monday, XX/XX/XXXX at XXXX. 

On Tuesday, still no funds, so I gave it a day before I called back. Wednesday, XXXX XXXX, I call the bank and get hung up on twice after waiting for 30+ minutes on each call, both before I could even say a word. Their agents service dropped on the third call, but on the 4th call ( 2+ hours later ) I get in contact with someone who tells me they can not release the funds. I asked them why the funds cant be released and they didnt give an answer but rushed me off the phone. This morning, XX/XX/XXXX, I called again and the customer service representative said that the funds could not be released because the federal reserve was not giving clearance to process these funds. I then called the federal reserve, who I explained the situation to and they referred me to this site to file a complaint. It has been a week now and I still have not received my money, while Chase is giving me the run around and providing false answers. No one protects the little guys - corporate continuously gets away with treating their customers like garbage and its business as usual. I am demanding action to be taken to resolve this issue so I can forever end my relations with Chase Bank.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (CA)

I applied for Amazon credit and they responded with an inaccurate credit score. They claim it came from XXXX  - JP Morgan Chase, and I get all alerts from XXXX  directly.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A. (MN)

On Friday XX/XX/XXXX at approximately XXXX a man came to my door and handed me paperwork. It appears to be a summons. I do not know for sure if it is real or not. I made numerous phone calls and email attempts to contact the person I was directed to respond to. I have no knowledge of the alleged actions the document outlines. I could find no record of within the Minnesota judicial branch records that the judgment addressed in the document exists.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TRANSUNION refuses to provide an explanation or reasoning as to why my credit score keeps going up XXXX points and then down XXXX points every two weeks with no change reasoning. Something isnt right and I demand an answer.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (FL)

I have received SEVERAL harassing phone calls from Direct Recovery Services. They simultaneously call me, my employer and my ex-husband 's cell phone number, whom I have not been married to since 1993, and leave an intimidating recorded message stating they have checked my history and I do not seem like a dead beat, they only have a short amount of time to work with me on the debt, no information is given as to what the debt is, by whom or the amount. Just an account number and their web address. 
I XXXX  their company information and found they have HUNDREDS of complaints that have been filed regarding fraudulent accounts, harassing consumers with threatening messages and when consumers call they are treated rudely and disrespected by the agents they speak with to verify the information. I requested their information on this supposed collection account in writing. They refused to give me the information and never mailed a letter indicating I owed a debt and have 30 days to dispute it. 
I went further and went to their website and entered the account number I was given in the recorded message. It took me to an collection with a company called XXXX, XXXX. I XXXX  the business name which is in fact XXXX ( XXXX XXXX XXXX ). I do have an account with them and have had for several years so fearing I was a victim of fraud, I contacted XXXX and chatted with an agent explaining the collection account. He confirmed that I do not have any past due balances with XXXX nor do I owe anything on my account nor has fraud been committed on my account. I asked him about the collection company and he had no knowledge of the company. 
I emailed Direct Recovery Services again requesting written verification of the debt and also attached the chat conversation with the XXXX agent. This company will not respond. I went to the XXXX XXXX XXXX and filed a formal complaint, they responded with it was on the consumer to request verification of the debt. 
This company has violated every law in the FCRA. I don't think this is a legitimate collection company and they should be held accountable.