davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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: The Bureaus, Inc. (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : 0,  REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX sold me a heloc creditline forXXXX $ without telling me it was a mortgage, when I found out, I closed it, they charged me XXXX XXXX and it is still on my credit report as being owed and I am making Payments? 
I brought this to their attention, and they responded by telling me I had to find a new bank. XXXX XXXX wrote theletterfromXXXX, California. 
The problem is, as a XXXX, I need 6 months to make the changes with my insurance companies ( especially XXXX ). 
No written email or communication whythis has occurred has even been sent to me! 

I found out later they did this because I paid my home loan down and paid my two lines of credit off., so XXXX said they no longer make money on my account to the assistant branch manager whom told me. They are just trying to sell products, but do not care about the customer and do what they want without regulation.

They are based out of XXXX and do not follow the banking laws of the USA. 
Thank- You,
Consumer complaint received 2018-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX - XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, KY XXXX. Cost {$830.00}. Paid. PLEASE REMOVE XXXX XXXX - XXXX XXXX XXXX {$230.00}. PLEASE REMOVE XXXX XXXX XXXX {$44.00} - XXXX XXXX XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX, TN XXXX - PLEASE REMOVE XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, OH XXXX PLEASE REMOVE
Consumer complaint received 2019-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation (FL)

On XX/XX/XXXX I withdrew a Payday Loan from Amscot for 500.00. From its XXXX XXXX location in XXXX, XXXX XXXX Florida. I also closed my bank account attached to my profile a few days after when I was notified that they could not change the payday of my loan to my actual pay date which was not the XXXX of XXXX but the XXXX of XXXX. Amscot has done this for me in the past and it shows on my past receipts when they were paid and when the loan was issued in their system as well. I would ask them to fix their system limitation and add an extra 5 days by contacting management and I had no issues 2 previous times. I received a phone call from an employee there telling me that they were pulling a check anyway when it was not possible. What she was really saying was she was going to fraudulently lie in their system when the process was not going to go through and try to collect miscellaneous and fraudulent fees. I have a long history of paying back my loans with the company and they did not attempt to do what this employee on the phone was trying to do. I am asking for management to fix the apparent customer service issue that I am currently experiencing at Amscot. And to be contacted personally about this particular locations malicious behavior towards my account.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX. 
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from Credit Management dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called Credit Management to dispute my collection account. I finally received a letter from Credit Management dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' However, recently, I checked my credit reports on XX/XX/XXXX and noticed this Collection account is on my file. It damaged my credit score and my credit history. I have disputed with all XXXX credit agencies. XXXX   and XXXX  did not resolve my issue. It's very frustrating process. Please assist me to resolve this issue and make sure the collection account is removed from my credit file.
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MS)

On XX/XX/XXXX, funds were transferred to my PayPal account by a third-party in the amount of {$1600.00}. PayPal never stated any kind of hold would be placed on these electronic funds. Immediately after the transfer -- money I was in need of right away -- PayPal placed a hold on the funds for " 21 days ''. I contacted PayPal immediately, but only receive a message from an automated system that states they are experiencing high volume and no sales representative are available. I was then directed to their website and given instruction to follow links that did not exist for " help ''. How is it possible that a massive banking institution can have ZERO customer service agents available? Secondly, PayPal deducted {$1600.00} MORE from my personal checking account and then placed these funds on hold. The {$1600.00} in my personal account was for bills to be paid. Now PayPal wants to put a hold on these funds as well for 24-72. PayPal is holding {$3200.00} for " verification '' or whatever other reason they have. I need my funds reversed and refunded to me. PayPal is holding my money, my checking account is overdraft and they have NO CUSTOMER SERVICE available. I need to speak with someone there.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-02
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: EQUIFAX, INC. (IL)

account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Grow credit XXXX XXXX XXXX Subs DBA Grow 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (LA)

In the month ofXX/XX/XXXX, I contacted Discover Bank, in reference to an old debt I had with them aging back to XX/XX/XXXX. This debt occurred during the time my now ex-husband and I had just buried a child, he lost his well paying job, and it was a decision to pay either the light bill or my credit card bill from one income. However, in XX/XX/XXXXwhile speaking to an agent, I advised them I wished to pay my XXXX dollar debt. In doing so, I was transferred to a supervisor in the collections department. After speaking to the gentleman, he advised me that I could no longer pay the debt because it was charged off to a 0 balance and I was set to receive a 10-99C form in the mail, in which I did by the month of XX/XX/XXXX. After receiving that information, I made my loan officer aware of the situation. Months went by and my credit began to improve, but through another XXXX XXXX credit check in the month of XX/XX/XXXX, my loan officer noticed where I needed to pay Discover in order to get a credit rescore, to add a possible XXXX points. It was then that I reminded her, that paying discover could not happen due to the first failed attempt, and it having to be claimed as income, due to the 10-99 C form. She then advised me to contact them, let them know what's going on, and to request a letter from them stating the account was closed and charged off, in which Discover agreed to do, but the letter was never received via fax or through mail, as stated and agreed it would be. My loan officer then decided it was a good idea to call Discover, because they are reporting an unpaid balance to the credit bureaus, showing as if I could pay to clear it up. So on the evening of XX/XX/XXXX, my loan officer and I got on a conference call with Discover, attempting to resolve the issue. After being transferred through three different people, the third and final person, tried to explain the account would not show a zero balance as it wasn't paid off, however it was wrote off. He also began to state, that I could send a check voluntarily to show the zero balance, and to still file the 10-99C form because it wouldn't be retracted upon payment. My concern is simple, when attempting to pay, understanding it wouldn't be totally removed from my credit history, just the zero balance, I was advised of this write off and 10-99C form. I am now able to send in a " voluntary payment '' for a charged off account? How is that possible? Discover wants to not only still get their money, but are willing to not up front take the money, but " voluntarily '' take it, while still claiming the lost, and holding my points as they report this unfairly.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have sent disputed letters asking for the unverified late payments to be removed for the year of 2015, they only removed 2 late payments, there are still unverified late payments on my accounts, If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2018-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (OH)

XXXX XXXX is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On or about XX/XX/2019 I reported a number of unauthorized charges made using my Visa debit card. I requested a new Visa debit card to be sent to me via expedited delivery. As of todays date, I have not received any adjustments on my account for the fraudulent charges, any of the 6 fees associated with the charges, and three of my checks have each been returned due to the banks failure to adjust the charges. US Bank advised me that they would take as long as 10 business days to adjust the charges on the account, basically leaving customers with no ability to recover their funds sooner. The bank should not expect customers to cover negative balances and fees caused by unauthorized charges. 

Most disturbingly, however, is the fact that when I deposited a check into my account on Sunday, XX/XX/2019 to cover the fraudulent transactions, my check was adjusted from my account because the name on the check was slightly misspelled from my name. US Bank has  been completely unable to assist me with my matter, Ive experienced the most incompetent and disrespectful customer service of any bank Ive dealt with, and the Branch has conceded that they, too, have no ability to assist.
Consumer complaint received 2023-01-01
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

As of XX/XX/XXXX, last updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX is reporting a pass due balance of : - {$120.00} - {$420.00} on my Consumer Credit Report. 
I do not have a contract with XXXX financial. 
This is a violation of 15 U.S. Code 1692j ( a ) Please note on attached document XXXX is not the original creditor Furthermore this account is being reported as " Loan Type - Collection Agency/Attorney Violation of 15 U.S. Code 1692e ( 3 )
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (IN)

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section2 it also states a consumer reporting agency can not furnish an account without my written consent. 

In accordance with the fair credit reporting act XXXX account XXXX XXXX  XXXX has violated my rights 15 U.S.C.1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CA)

Starting on XX/XX/year> and given that NetSpend doesnt offer international transfers I decided to use an external merchant as the service provider for my transfers and I did it using the funds I had on my Netspend checking account, by debit card. Unfortunately, the merchant cancelled the transactions and never refunded back the money. I tried to contact the merchant and the response was always that I should talk to NetSpend because they indeed provided the refunds to the bank. The merchant even sent me the tracking numbers and the cancellation receipts where it was obvious that the bank had the funds. Then, I decided to file disputes for each transaction ( NetSpend doesnt allow to do multiple transactions in just one claim ). More than 20 days later, NetSpend replied with just one email, saying that ALL the disputes were denied because an error didnt occurred. They never provided provisional credit, which makes me think they never even initiated an investigation for my claims. When I call to ask for the reasons why they denied my disputes they refused to provide any information even though I said I had the right by law. I am totally convinced that the merchant indeed returned the money to them and they kept it and now they are refusing to give any sort of information. It is important to not that I sent every single document they asked for and I wrote the letter they also asked in order to provide provisional credit in 10 days ( which I never received )
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XXXX different deposits of checks the bank held my deposits for verification, what they said. The XXXX of the deposits the threatened to close my account, until verification that I had to prove the check was issued to me by a verification letter from opposing counsel, which were a settlement check, issued from a previous employer. On the XXXX XXXX I deposited a insurance check issued for the loss of my travel trailer. I was told I could withdraw the funds in 4 days.. when I went to pay for something I was declined, I called the bank to get a response and was told it was froze due to unusual activity on the issuers account, progress insurance and until verified my account was frozen And told I could withdraw it on XX/XX/XXXX. Well exceeding the normal XXXX business days.. this put me in a difficult position, being I was forced to move into my parents, and lost out on many opportunities to replace my trailer lost in hurricane XXXX.
Consumer complaint received 2022-06-14
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: American First Finance, Inc. (CA)

On XX/XX/2019, AMERICAN FIRST FINANCE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AMERICAN FIRST FINANCE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately