davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX Bank of America sent me a message that they had closed my account due to fraud later. After that my Social Security check came in and it was direct deposited and they in that account they sent back all the other bills that I had tried to pay through my account and they kept the Social Security check, Ive tried several times to get it back from them and find out what happened and they just keep telling me it was due to fraud and finally on Wednesday someone from that office told me that there was three wire transfers made to my account and then returned. I know nothing about this. I dont know anything about wire transfers, and because of this, I have had two other banks close my account as soon as I open them due to this problem, I have asked that please let me get my money so I can pay my bills and they tell me that when they finish investigating, I can get my money. Its been 45 days already. I dont know when they gon na get Finished The other two accounts that I got closed on me came with XXXX and XXXX.. I have a small amount of money in XXXX which they are old and also so I am just trying to get my money back. I didnt do anything. Its really sad when you only get {$1200.00} a month to live on and you cant even get that.
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Relin, Goldstein & Crane, LLP (NY)

After going through some very difficult financial hardships I had a deliquent debt with XXXX. I had asked XXXX to communicate with me through mail only. XXXX gave my loan over to Relin Goldstein & Crane which is located at XXXX XXXX  XXXX XXXX XXXX NY. They proceeded by calling my parents in-law countless amounts of times throghout the months of XXXX and XXXX even after they were repeatedly told that I do not reside at that address. At least one of the times they disclosed that they were calling about a debt. All throughout the time they had never attempted to call or correspond with me through any other means. My in-laws asked me to contact them and tell them to stop the harrasing calls especially on weekends. I then began receiving letters in the mail that they were suing me in court. I called them and asked why they couldn't reach out to me in a civil manner and try to work out a pay off system. We finnally reached a settelment agreement over the phone but I never received any documents to support our phone conversation nor to whom I would pay the monies owed. I tried calling numerous times they failed to answer. Finnaly a week later they sent me documents on the day of XXXX eve with terms changed from the original agreement and according to new terms I would have to pay up 2 days later making it impossible due to the banks being closed on XXXX. I called and emailed them numerous times noone responded. After XXXX they called me back and said it was a typo they said since the deadline passed they would try to reach another settelment with XXXX. I still haven't been contacted with any new agreements.
Consumer complaint received 2023-12-23
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act grants me the right to challenge any inaccuracies in my credit report. It mandates that all information in a consumer 's file must be thoroughly documented and validated before being used by creditors. I take this responsibility seriously, as the allegations of delinquency and derogatory remarks against me are untrue, and I am prepared to vigorously contest them. The accuracy of my credit report is paramount, and the mentioned allegations do not meet federal or state reporting requirements. 

I contest these claims due to their failure to comply with basic reporting standards, which undermines my confidence in the information presented. It is imperative that you adhere to the obligation of maintaining and reporting data with absolute accuracy and compliance. Reporting claims that do not meet regulatory standards is prohibited, and it is essential to ensure that all information is accurately and correctly reported, as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. 

I request substantiating evidence that justifies the negative status of my accounts. Any inquiry or account in my report must have a permissible purpose, and I expect this to be clearly demonstrated. This letter serves as a formal notice of your failure to fulfill your responsibilities. If this matter is not promptly addressed within the next 30 days from the date of delivery, there may be severe consequences. I trust that you will rectify the inaccuracies without the need for further intervention or escalation. 

Additionally, I request physical proof of your actions and an updated credit report reflecting accurate and verified information. The claims listed in my current report appear to be inaccurate, and I insist on receiving correct and verified information promptly.
Consumer complaint received 2023-09-01
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 (NY)

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I believe that this limitation is a result of a misunderstanding or mistake. I have always strived to use my PayPal account responsibly and within the boundaries of your policies. To the best of my knowledge, I have not engaged in any activities that would warrant such severe action. 

I kindly request that you reconsider and conduct a thorough re-investigation into my case. I believe that a closer examination of my account activity will reveal that I am in compliance with PayPal 's terms and conditions. If there are any concerns or issues that need clarification, I am more than willing to provide any necessary information or documentation to resolve them. 

PayPal has been an integral part of my online transactions and financial management, and the sudden permanent limitation has caused significant inconvenience and hardship. I genuinely value my relationship with PayPal and would like the opportunity to continue using your services in a responsible and compliant manner. 

In conclusion, I respectfully request that you review my case and consider lifting the permanent limitation on my account. Your assistance in resolving this matter would be greatly appreciated. Please feel free to contact me at XXXX if you require any additional information or if there are specific steps I should take to facilitate this review. 

Thank you for your attention to this matter. I look forward to a positive resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-16
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. (MI)

PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES TRANSUNION : 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
Consumer complaint received 2023-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I opened a Citi Bank account on XX/XX/2023 and deposited {$400.00} cash. 
On XX/XX/2023 I deposited a check of {$210.00} paycheck. they told me, the check will clear up in a week. 
On XX/XX/2023 I was unable to deposit my 2nd paycheck and was told my account was blocked. 
Citi Bank teller gave me,XXXX option XXXX to call to unblock, on XX/XX/2023. 
XXXX XXXX, from the fraud line, after half an hour of investigation on the phone, told me the checks were forged. I called my employer who connected me with the comptroller of XXXX XXXX. Again after half hour with the comptroller, XXXX XXXX assured me the checks were good and put me on hold to clear, unblock the situation. But came back with a new issue about my identification, many questions : how long have I been at the address? proof of identification. I gave my social security number and my driver license. he decided to keep it blocked and gave me another number. today, XX/XX/2023 i called and they are unable to answer my questions : Why my account is blocked? 
why can't i withdraw my cash? 
why did they opened my account to block it 2 weeks later? 
what are the reasons i have been flagged and how can i clear it? 
what information i need to provide you to unblock my account? All my questions have been unanswered by multiple agents. 
Citi Bank agents are rude, unprofessional, unhelpful not knowledgeable. 
i need your help. 
thank you for your assistance in this matter XXXX XXXX XXXX XXXX opt XXXX to
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IN)

I paid {$650.00} fee for a premium American Express credit card with many perks linked to XXXX. I received the initial reward linked to my XXXX account after staging 6 nights. I have not received any other points ( around XXXX ), since then. I did not receive Platinum Status nor the XXXXXXXX XXXX XXXX credits within 60 days of opening the account. I have tried 8 times to relink the correct account. This also included a 3-way call between an AMEX representative XXXX myself, and a XXXX representative to confirm my XXXX account number, name, address, phone number, and email all matched. Amex has tried to link the account to XXXX 8 times. Each time XXXX declined the link. Each time I have to call both companies and waste 30 mins of my day for something that could be manually done. I called XXXX today and they could not find a reason there is an issue linking. They referred me back to Amex. Amex, confirmed all of my info matched resent the request to link and escalated to someone else. The same thing that has been done several times before.
Consumer complaint received 2023-12-23
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Attached to this complaint is my XXXX XXXX  Statement for proof of payment for the following XXXX  Installment Loan Accounts currently listed and showing on my Experian credit report : XXXX, {$2200.00}, XXXX, {$260.00} and XXXX, {$2200.00}. The accounts are paid as agreed and I want the XXXX accounts immediately deleted, removed and permanently blocked from my Experian credit report.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The issue is with the account I have with XXXX XXXX XXXX for credit card ending in XXXX that I have paid XXXX XXXX XXXX the {$47.00} balance in full since XXXX XXXX XXXX  as pictured in my attachments showing both a payment conformation email from XXXX XXXX XXXX XXXX and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXX XXXX XXXX wrongfully and repeatedly reports that there is a due balance of {$47.00} still due. I have disputed this with the credit reporting bureaus several times and this unjust behavior of XXXX XXXX XXXX still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/2023. As result, one of my credit scores droppped XXXX points due this willfully erroneous reporting from XXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Within the next 15 days, I am scheduled to update my credit reports, and I earnestly anticipate the removal of the following items from my credit file. Allow me to emphasize that, as outlined in FCRA Section 605b, Credit Reporting Agencies are obligated to eliminate any items listed on an identity theft report, reference number # XXXX. The specified items for removal in each bureau are as follows : 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 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
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

I would like to dispute the debt associated with a bill from XXXX reference number XXXX. 

This bill is related to two XXXX they claimed they did not receive back after I cancelled my contract with them, however, that is false. The XXXX were in fact returned and the enclosed receipts provide proof of this. I have filed many handset research forms with the company to rectify the issue and to have the bill removed. Every request has been denied and they have refused to provide me with an email or mailing address to provide my receipt to. 

Additionally, I have also been working directly with the store manager of the facility that I returned the XXXX to. He also recalls that I returned the XXXX and has the same receipt on file. However, he states that he does not have the access to remove a bill. Customer Care claims, the store manager is the only one with access to remove the bill. 

I have spent approximately 12 hours over the past 4-6 weeks disputing this directly with XXXX I spoke with the store manager on Sunday, XX/XX/2023, and he personally called the customer care team with me and ultimately, they both agreed this was not my issue but no resolution was provided. Rather, they told me that once I am sent to collections, I should dispute it. This seems completely inappropriate given they are both aware that the bill is not legitimate. 

Additionally, upon completing some preliminary research of my own, this is a common issue other XXXX  customers have experienced. I believe the company is fraudulently processing handset research forms in an attempt to coerce consumers into paying. I will not accept this financial harassment. 

At this time, I would like to request an immediate review of this issue and have the bill removed as it is completely unjust and the numerous XXXX  representatives have agreed despite taking no action. I have also taken action with the debt collections agency. 

*Please note these images submitted below were taken of the XXXX  managers XXXX. Proving not only did I return the XXXX they also have documentation that I have returned them. Yet, they are falsely charging me for them.
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY (CA)

I purchased vhicle and paid a big down payment which i didnt see anything dropping down on the car payment they said the biggfer the down payment better for lower ineterest and everything once that was done payment stayed at XXXX. 
I called numerous times trying to lower the payment and seeing how to change due date they said if i cant refinance to surrender and i said how would this affect me they said no worries it would only affect your credit. I said ok and they took the vhicle with no documentation provded for me to read no explanation and days later i get a call from an agent on XX/XX/2023 saying she is going to report me to IRS and IRS will make sure to charge me i feel threatened by her attittude and she was being over agressive with me. I explained i know my rights and explained tried telling her i didnt understand why tell after they took my vhicle they were explaining so agressively things i was never told and she didnt give me options she was just trying to take my money for over XXXX. 
Which i dont have. She said i will report you to IRS i dont feel a bank rep should be allowed to speak to any one the way she did not knowing if i have heart problems or high blood pressure i felt sick and unable to defend myself at the same time i explained i was fired from my job in XX/XX/2023 they said were sorry we cant help in any matter and i was even trying to continue making high payments
Consumer complaint received 2024-04-17
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. (FL)

XXXX XXXX has been breaking the law by unlawfully defaming my credit report by constantly using it to show late payment, and that the account is open on one agency then closed on another! 15 usc 16816 permissible purpose. 15 usc 1681 ( s ) -2 compliance
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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
Consumer complaint received 2024-04-17
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-17
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.