davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested written verification allowing the following companies to view my credit file on these dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of the following to view my credit file. DID NOT! I requested validation showing my physical signature, nothing. I have asked XXXX times now.
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

I was hurt at work and had to go to the emergency room on XX/XX/XXXX. I was told they would not take my insurance information because it was a work related incident. My employer spoke with the hospital in person and I was told everything was taken care of and not to worry about the finances by hospital personnel and my employer. I was never made aware that I would ever be financially responsible for the bill. I did not even know I owed money until collection calls began coming in. I spoke to the Aargon representative and told them my situation and they refused to help me and just demaded payment immediately. XXXX refused to remove the debt from my name after speaking with their billing department. On XX/XX/XXXX my employer began making payments directly XXXX, still XXXX refused to take the debt out of my name, but I was assured on the phone it would be removed from collections. Months later I was still receiving mail from the debt collector Aargon Agency showing my balance decreasing, but XXXX assured me several times over the phone that my bill was no longer in collections. As of XX/XX/XXXX the bill has been fully paid off by my employer but I still show a collection on my credit report from Aargon agency.
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc ()

My mother received a debt collection letter ( in my name ) from Lien Enforcement Inc. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. Amount owed : {$2800.00}. The letter was about some service received from XXXX XXXX XXXX with account number : XXXX. That was all information included in this letter. 
Unfortunately, I can not dial XXXX number from XXXX, where I'm currently located from XXXX of 2022, helping XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no idea what service are they talking about, never heard about XXXX XXXX XXXX What obvious though, that I couldn't possibly receive any XXXX XXXX in the XXXX because I've been in XXXX for all this time.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KS)

15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (GA)

I have been an account holder of US Bank which is responsible for handling my XXXX income. The bank has consistently emptied out my bank account through some illegal banking practices that I can not pinpoint because of the information presented to the account holder. There have been numerous transactions by the bank and unknown merchants that cause my account to fall into a deficit. If I try to apply for a credit card or mortage? The bank denies my applications even though I have an adequate source of income. The bank, FDIC, and other law enforcement authorities have failed to provide protections for minorities who find themselves bankrupt, institutionalized, an/or homeless.
Consumer complaint received 2023-12-31
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. (FL)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, DEPTEDXXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (NE)

Ally financial services has been attempting to collect a debt in the amount of XXXX for aprx XXXX years now. I have requested validation of the debt and have requested to speak with a supervisor on multiple occasions both verbally and in writing. After charging off the debt Ally financial is still attempting to collect the debt while stating there is a XXXX dollar balance. This vehicle was traded into an automotive dealer and is not subject to a disposition fee because Ally Financial never completed services rendered to collect on the alleged debt. They are also attempting to collect a higher amount than the contractual amount stated.
Consumer complaint received 2023-05-08
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. (NC)

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. 

XXXX XXXX XXXX XXXX  {$210.00}, XXXX XXXX XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX : # XXXX {$55.00} XXXX XXXX XXXX : # XXXX {$130.00}, XXXX XXXX : # XXXX {$1100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$270.00}, XXXX : # XXXX {$1500.00}, XXXX XXXXXXXX XXXX  : # XXXX {$1600.00}, 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 an 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 2023-04-24
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 (AR)

Dear PayPal Customer Service, I am writing to submit a formal complaint in regards to the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe this decision was made in error, and I would like to appeal this decision. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have been a loyal and active user of PayPal for several years, and I have always followed the terms and conditions outlined by PayPal. Therefore, I am certain that this limitation was not warranted. 

Furthermore, I am requesting that PayPal re-investigate my case and review my account thoroughly. I am confident that upon a closer inspection of my account, it will become clear that there has been a mistake in the decision to permanently limit my account. 

Lastly, I am respectfully requesting that PayPal restore my account if possible. As an individual who relies heavily on PayPal for online transactions, it has been a great inconvenience to not have access to my account. Therefore, I would greatly appreciate it if my account can be reinstated, and I can continue using PayPal services without any further interruption. 

I would appreciate a timely response from PayPal in regards to my complaint. Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-04-12
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. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

On or about XX/XX/2023, a Debt Validation request was sent to Jefferson Capital System via mail. The following items were requested as part of the Validation. 
1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt by the Original Creditor.

2. Proof that you are a legal debt collector in California.

3. A copy of the Bond that shows that you are Legally Registered in My State.

4. Copies of ALL Statements from XXXX to XXXX of this Account. 

Jefferson Capital has failed to validate this debt and instead referred the debt to XXXX XXXX for collection. Jefferson Capital, XXXX, XXXX, and XXXX have refused to remove this unverified debt from my credit report. 

Per FCRA, 15 USC 1681 et esq, I am entitled to a fair and accurate credit report. The inclusion of this unverified debt is a Violation of My Rights under the Fair Credit Reporting Act. It makes my consumer credit report inaccurate and needs to be deleted.
Consumer complaint received 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I graduated from law school in XX/XX/2023. As a result of law school, I have {$210000.00} in student loans in the form of XXXX loans ( XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). 

EdFinancial is not responsive over emails, and I've needed to wait on hold for hours each time I call their customer service phone number. 

On XX/XX/2023, my refinancing institution Earnest sent a {$190000.00} check to EdFinancial, the servicer of my federal student loans. On the check itself, there were written and specific instructions to apply the payment amount to all loans EXCEPT for loan XXXX. 

On XX/XX/2023, I called EdFinancial and spoke with XXXX because my EdFinancial portal still wasn't reflecting the {$190000.00} payment. She said the treasury department was researching the issue, but couldn't give me any details beyond that. 

On XX/XX/2023, I called EdFinancial and spoke with XXXX because, while my portal finally reflected the check, EdFinancial failed to follow the specific instructions on the payment check. Instead of applying the {$190000.00} to all loans except for loan XXXX, they applied the payment to only loans XXXX ( paid in full ) and XXXX ( which now has a negative {$120000.00} balance ). 

This payment methodology doesn't even follow the logic outlined as official policy on their website. XXXX XXXX XXXX XXXX, " if a payment is made in excess of the total amount due, the excess amount ( also known as the overpayment ) will be applied to the highest interest rate loan first. '' XXXX XXXX has the lowest interest rate! 

EdFinancial said I still owed them in total {$140000.00} via loans XXXX, XXXX, XXXX, and XXXX, subject to interest expense accrual as forbearance ends. XXXX said she had no idea how long it would take the finance department to correct this issue.

Interest expense will start accruing on all of my loans starting XX/XX/XXXX due to their administrative failures, no fault of my own. However, this will be wrongful interest expense on loans that are rightfully paid off.
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (MD)

I applied for a one-time use charge card with Affirm, I was denied because of my credit history. This denial was based on a consumer report. I extended my personal information and social security card ( credit card ) in good faith that that would allow me to obtain this financing to purchase a laptop for school. I extended my credit to the company but received no benefit and no approval. This is a violation of the Equal Credit Opportunity Act which states that you can not deny a consumer access to credit for any reason. Credit is a right of all consumers, so you can not deny me access to it. I demand to be allowed to obtain financing through use of my credit so I can purchase the laptop I need for personal, family, and household uses.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accounts Receivable Inc. (CA)

On XX/XX/2023 at XXXX XXXX received a call where person was trying to contact me and verify personal information. The way the man was speaking and asking for the information did not make me comfortable as said didnt need to verify address but then asked me to verify my address as well as my year of birth. I told the gentleman that I wasnt comfortable with this and was ending the call and hung up. The man immediately called me back and I answered by asking why he called me right back after I hung up. He said he needed to verify information and I responded by saying he was harassing me. He went on about saying it wasnt harassment and he kept over talking my with condescending attitude. I told him not to call me ever again because of the attitude he had and he took a threatening attitude, where I said again to not contact me again and hung up the phone. 

Afterwards I googled the phone number and found it went to Accounts Receivable Inc. the number the man called from was XXXX.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Account was closed last year due to a third party check being deposited, the check was from a friend that lived with me in my dorm in college and he had went home for the summer due to classes being online and lived in XXXX at the time, the company chase then asked him to come in and verify the check which was not possible as I told them! They then proceeded to close my account when the check was not a legit check just was not able to get him to fly to the us to verify and then allows me to open a new account last Friday and as of today has put a restriction on that new account and will close it in 10 days without a explanation and the supervisor was very rude and hung up on me in my face!
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (AZ)

Two separate issues I have that need to be addressed. First, I signed up for the checking account with the stated bonus of XXXX XXXX XXXX miles after completing 2 Enhanced Direct Deposits combined of at least {$1000.00} and spending {$1000.00} on my debit card. The terms attached state that I have 90 days to complete the terms from account opening but then when all terms have been met the bonus will be deposited to my AA account within 30 calendar days from meeting the terms. I spoke with the chat team on two separate occasions which confirmed that I met the terms, and I should see the miles within the end of the week of XX/XX/XXXX. I completed all terms on XX/XX/2023, and the miles should have been deposited by XX/XX/XXXX. They did not appear by XX/XX/XXXX, which was quoted to me by two agents, so I called in. This time I was told it is 90 days + 30 which is not what the terms I have attached say at all. Citi is breaking their own agreement with me. 

Now the second issue has popped up right after I called in to complain about Citi not honoring the terms of the agreement we had about the miles. Now my account access is blocked, and I can not get into my account. Not one email or phone call from Citi to let me know anything was going on. I only found out about this because I had made a payment out of the account on XX/XX/XXXX that I was contacted by the merchant telling me it was refused, and I needed to make arrangements with them to cover the balance. So, I contacted Citi by phone on XX/XX/XXXX and was put into a conference call with the fraud department with an agent named XXXX. She only asked for my phone number on file which I gave, and she said they could not verify my account through that phone number and that she has no other options to verify me and then proceeded to hang up on me. Terrible customer service and now I am locked out of my account with no recourse. If they are not honoring the payments I have coming out of my account, I have a balance of {$1000.00} they are holding hostage. I have companies that are contacting me now to make good on payments that I have adequate funds for in this account and I am afraid if this isn't resolved I will be sent to collections when this wasn't my fault to begin with. On top of that, the terms for the checking bonus state that my account must remain in good standing to receive these miles and feel this is a way for Citi to try and have claim to deny what I have rightfully earned.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.