davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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. (MS)

On XX/XX/XXXX, I have mail Transunion documents for several account that are fraudulent. This been going on forever. I have sent a FTC report, Notarized affidavits, letters from the creditors ( copys ) & police reports. Unfortunately, these accounts are still being reported to my credit report. There are a total of 5 XXXX XXXX accounts. In addition, XXXX XXXX, XXXX XXXX, and XXXX. I spoke to a representative in the fraud department and the representative name XXXX told me on XX/XX/2023 that all 8 accounts were being removed. Th next day I called another representative told me that they not being removed. Unfortunately, transunion is not doing a reasonable investigation. They have all of my documents but ACT as if they dont have them and they not attaching any of the right documentation to my disputes! This been going on for several of months. They rescinded my block for whatever reason? I have not obtain and possession of good with none of these 8 accounts. I sent in a method of verification they didnt respond to it. They didnt show me any proof of how are these accounts verified and they dont belong to me. So now I am filing a complaint and a potential lawsuit against them because of these items are damaging my business. XX/XX/23 I have mailed more documents supporting my dispute my reference # is XXXX.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

Getting error code " XXXX Exception unauthorized action.. " from Venmo i need to access my VENMO funds this is completely unacceptable and unreasonable, on top of that i was logged in already and it logged me out. This looks very fraudulent I WANT MY MONEY NOW. after two days if it doesn't open up i will be speaking to my lawyers.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC (GA)

Noticed I had two collections accounts on my report from the same entity, just different account numbers with the exact same amount owed which was {$500.00} for both accounts. I requested that these two accounts be validated along with the amount and they would not. Also, I have nvere received any notice of this medical debt which violates the No Surprises Act. This company is also aware that this year, legislation was enacted that prevented medical debt {$500.00} or less from being reported by the bureaus. They added additional fees to the true amount owed so that it would fall just out of the amount and report negatively on my credit. They still have not provided any itemized statement to justify the fees.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 


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 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately. 

Please see my reasons for dispute below : XXXX XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX  XXXX XXXX XX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. 

XXXXXXXX XXXX XXXXXX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. 

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purpose of consumer report under the following circumstances and no other, ( 2 ) to accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT AS a consumer I am demanding the deletion of the accounts IMMEDIATELY! 

I demand my social security number and date of birth be removed from being displayed on my credit file for privacy reasons. 


Thank you!
Consumer complaint received 2023-10-11
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I was recently notified on XX/XX/, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. 

Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to Transworld Systems Collections. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by XXXX XXXX XXXX appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with Transworld Systems Collections. 

I will be contacting XXXX Identity Works once again to ensure this matter with XXXX XXXX XXXX is resolved in as soon possible. 

Please let me know if you require additional information. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX letters from Bank of America. XXXX letter states they received XXXX applications for a Visa credit card so they are cancelling the XXXX application. The letter did NOT include a phone number to reach out to them for any questions. The XXXX letter states they can't approve the request due to other factors including No deposit or investment balances with Bank of America. Again, they did NOT include a phone number to contact them with questions. I had accounts ( banking and credit cards ) with them about XXXX years ago but closed them all as I was unhappy with their customer service, fees for paper statements/teller transactions and interest rate that I deemed too high. It appears they have kept me active on the marketing side which should have been deleted. When I went into the branch to close out all of my accounts, I specifically told them to remove me and my wife ( who was with me ) from all mailing lists and not to contact us in the future. I was not sure if the application letters were legitimate as there wasn't a contact phone number, until today when the inquiry showed up on my XXXX credit report. In my opinion, they breached my private information by sending out marketing material.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX  is in violation of the Fair Credit Reporting Act as they are currently reporting both Transactions and Experiences which is EXCLUDED on consumer reports. Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). They are reporting XXXX late payments and a balance of {$390.00}. I have also sent a notice to the consumer reporting agencies about this erroneous information to which they have not complied to the procedures and requirements of the Fair Credit Reporting Act.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

I have a home depot store credit card that I use in the store. I made a few purchases that had a 6 month no interest promotion. Every month I pay more than the minimum payment thinking that the excess would be applied to the promotional purchases. No one told me that I had to pick up a phone and call home depot to let them know that I want my excess payment to be applied to the promotional balance. I have paid more than the minimum payment for over a year and a half and my account was still hit with hundreds of dollars in interest for not paying off the promotional balance within the 6 month period. 
This is a deceptive policy because I have been overpaying my account each month expecting the excess funds to be applied to the promotional purchases to pay the balance down. I realized that my balance kept growing even though I was overpaying. Customer service informed me that I did not call to notify them that I wanted to do the logical thing and apply the extra payment to the expiring promotional balance.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX  XXXX
Consumer complaint received 2023-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I am writing to notify this company that I refuse to pay this alleged debt and that I now order TRANSWORLD SYSTEMS INC and all its affiliates to Cease and Desist all communications with me unless it is to inform me that all collection efforts are being terminated. PLEASE SEE ATTACHED.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SC)

On XX/XX/23 I transferred {$350.00} from my bank account to my new Citibank account I opened XX/XX/23 over the phone speaking to an agent, XXXX weeks later on XX/XX/23 they began closing the account out for no reason, without refunding my funds, spoke with XXXX who said his supervisor would not take the call XXXX refused to file this dispute seems like he didn't file my dispute because he knew my voice was connected to an XXXX XXXX  face and for Citibank to take my money then close my account then allow their agents to not file a dispute seems very odd that a bank would not correct this issue sooner instead I am having to file a complaint to attempt to get my funds back since XXXX left me on hold never filing a dispute wasted an hour of my time with a bank that took my money and refused to refund any of it. on XXXX and I need my money since they have closed the account before this turns into an arbitration... also spoke with several agents who would leave me on hold or hang up on me and they are very bad for a bank that refused to refund my account for fraud ... .they are violating regulation e policy, from XXXX, XXXX XXXX and XXXX XXXX, all of the agents refused to correct this issue by filing a dispute wasting time and causing more issues when fraud when fraud was on my account, and i need my money
Consumer complaint received 2023-10-11
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. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company never issued any debt validation letter like I requested well over a month ago they placed this collection account on my credit illegally Which is a violation of my rights as a consumer. This needs to be corrected Im disputing the debt and any validity regarding it Id like an itemized bill with a breakdown of said debt owed this needs to be removed from my report as this is a direct violation of my rights failure to notify me Im requesting it to be removed and any tradlines affiliated with it this is fraud
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

I filed a dispute on a {$100.00} charge on the 60th day from the date that the transaction was made which the transaction was made on the XXXX of XXXX for {$100.00} for a rental of a tuxedo, but in XXXX the company went Bankrupt and could no longer provide a refund due to being bankrupt. I then reached out to Navy Federal on the 60th day because I know that federal regulations only protect you for 60 days, navy federal provided a {$100.00} temporary credit but now have denied my claim and are refusing to give me my money back. I tried to appeal this decision via telephone which I was told no I have to go into the branch or do it in the mobile app which I do not have time to go to branch and I am not good with technology to do it over the app. Both ladies had an attitude and are extremely unhelpful and rude. They have threatened me saying they will take the money out of the account on the XXXX  and if they take this money out of my account I will not be able to afford my bills and this could cause a negative impact on my credit and my life situation. I would now like to be made whole on the {$100.00} plus {$500.00} pail and suffering.
Consumer complaint received 2023-07-12
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting Act XXXX Account name : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 an account without my written instructions.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I settled two debt accounts within a six month period and I waited more than 30 days for each balance to be removed from my experian credit report. After it was not removed after more than a month I disputed the accounts as inaccurate based on there being no longer a balance owed. Both accounts that were disputed led to my credit score plummeting. Due mostly in part to a poor communication with me and little to no accountability for the credit bureau who has repeatedly reported inaccurate account statuses even after I filed a dispute against the inaccuracies. I feel that most of the decreases in my credit score were in retaliation because before I disputed the inaccurate account balances they heavily emphasized how the debt negatively affected my score. After I submitted the dispute both times my score almost immediately decreased without any cause stated. And after their sham of an investigation they lowered the amount of debt and lowered my score a second time for good measure. I believe that this agency Experian is guilty of predatory reporting and are seeking to profit from my poor credit by keeping my score as low as possible and constantly marketing credit cards and memberships to help " Get my credit back on track! ''
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I noticed on my Experian credit file that it wasnt showing my credit score so I contacted them immediately. They claim its due to something with XXXX XXXXXXXX however, I have seven or eight more accounts that hasnt reported anything regarding their claim. 

I have been working so hard on my Credit and XXXX my bills on time to have something like this happen to me.
Consumer complaint received 2023-10-11
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. 

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 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX ( XXXX  ) i received my first paycheck from my new employer. I used the bank of america app to deposit the check. It says on the app confirmation that it will post next business day. But then after i got home from work, i saw the email confirmation says next business day then XX/XX/XXXX under it. Which is obviously not next business day. 

I called the next day ( XXXX  ) on their client support to get clarification about the release date, and they said XX/XX/XXXX. I asked why, and the person said it is my first transaction on the account. She said she will escalate and i will get my money XX/XX/XXXX, instead of the XXXX. 

I reviewed my account and realized i have prior transactions on the very same account including a check deposit last XX/XX/2023. Which means the last person i talked to was lying. So i called again ( XXXX  ) and the person i was talking too is now saying that they put on hold randomly. That is now a different information. Then i asked for a valid document that they can get me that says they are authorized to put a XXXX business day hold on my salary whenever they want to with no reason, but they can not provide me with any. 


I sent a complaint to XXXX, and bank of america contacted me XX/XX/XXXX ( tuesday ) asking me to wait XXXX days for a resolution. She called me today XX/XX/XXXX ( wednesday ) letting me know that she can not help me. She told me all checks needs to be signed at the back, and none of my checks were signed even on my previous transaction so they kept on putting hold on my deposits. 

First thing is they never informed me about that thing that i was missing. The first time that i did it wrong, they put a hold of my money, but they wouldnt tell me that signature affects my transactions. Then when i asked if it is the only reason why my checks are depalyex, she said there are a lot of reasons she couldnt tell. So still, they are outting hold on my money and they wouldnt tell why. 


She kept on educating me what to do but not willing to resolve my issue. 

I did the deposit with enough time for it to deposit considering i really really need the money to oay for my insurance and car. Today, my insurance policy was cancelled because they are putting hold on my money. Very inconvenient and they couldnt explain me why. 


Id like to file a formal complaint because they are not willing to help me, but just save their XXXX.