davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

Carter Young was contacted on XX/XX/XXXX to validate the alleged debt. It fails to respond to the validation letter. On XX/XX/XXXX, Carter Young reported the medical debt as valid on my credit report. The credit collection agency failed to legally cease collection efforts, and remove negative items placed on my credit report.. On XX/XX/XXXX, a second notice to cease any activity on my report, and delete invalidated debt was sent. However, Carter Young failed to comply, resulting in violation of The Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2017-01-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have a loan with XXXX and i received a letter in the mail today stating that my loan will be transferred to a new company named LakeView Loan Care, LLC. I am under the impression that i am required to have at least 30 days of notification of said transfer. In addition i was notified that my due date was changed to 15 days sooner. Should I contact an attorney??
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Midwest Recovery Systems (GA)

XXXX XXXX XXXX has two accounts on my credit report. One from Midwest Recovery Systems and the other from XXXX XXXX XXXX. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX I have requested for several years for XXXX to correct long standing errors on my personal credit profile relating to my bank of America credit card. XXXX has refused to do anything at all. I have filed a requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a bank of America credit card since XX/XX/XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. XXXX   refuses to acknowledge the account. I have written, I have called so many times its ridiculous. I have escalated the issue to supervisors and today to a person named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XX/XX/XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had Bank of America use and XX/XX/XXXX verification process. So I called again. Bank of America has no idea what XX/XX/XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help XXXX make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both XXXX and B of A multiple times. At least B of A tries to do something. Unfortunately nothing has worked Bank of America Made yet another request for XXXX to update and report the account. They tried a couple of weeks ago. I received a letter from B of A dated XX/XX/XXXX stating that XXXX would not update they account because they say the account has been off my credit report for 7 years. So again I call XXXX and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. 

I called Bank of America again today and they have again requested XXXX   update the information to be accurate and correct. XXXX so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I have spent months, years and hours upon hours trying to help them fix their own problem and errors. I think it may just be time to be litigious.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of 15 USC 1666. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX XXXX, EXPERIAN ". This charge may lead to a lawsuit. 


Citizen Complaint Center Antitrust Division XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX DC XXXX https : //www.justice.govXXXX
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2021-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ProCollect, Inc. (TX)

On XXXX XXXX I submitted a certified letter to the company Pro Collect INC demanding to be shown verification that this debt is valid or I asked them to delete the debt. I did not hear back from them in the 30 days required by law.
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NJ)

I had received a promotion mail promising that I would get 12 month of interest fee purchases and an XXXX XXXX from TD Bank for new credit card opening. I did get the XXXX XXXX, but the bank kept charging me additional interest for all new purchases. 

The disclosure was stated as follows APR for Balance Transfers : 0 % introductory APR for first 12 billing cycles after account opening. After that, 14.99 %, 19.99 % or 24.99 % based on your creditworthiness .If you take advantage of this offer and use your account to make new purchases, you can avoid paying interest on those new purchases if you pay the minimum payment due and the total outstanding purchases balance, including any fees that may have been assessed, by the payment due date shown on your monthly billing statement.. 

With the above statement, basically the the bank says, only if I do a balance transfer, I am eligible for new purchase credits for 12 months. As an average consumer, I did not understand that 'only If I do the balance transfers that my purchases will be waived for 12 months '. 

The language in the disclosure seems to have been made intentionally to confuse the average consumer. 

I had called customer service for TD bank, they refuse to refund my money, saying you signed the disclosure and there is nothing we can do.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Equifax credit bureaus are required to authenticate this accountss under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. XXXX. Please correct and update.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXXXXXX XXXX XXXX has transferred my XXXX XXXX XXXX over to XXXX. Once I consolidated my student Loans, I was told by XXXX XXXX that the loans that they were reporting on my credit report would be deleted and that the XXXX loan would appear as XXXX large loan. The Individual Loans are still reflecting on all three of my XXXX XXXX, Experian, XXXX, XXXX.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

My bill of {$330.00} from XXXX XXXX XXXX XXXX UTILITIES was paid in full after being notified of the balance due. This payment took place prior to shutting my services as I was moving to a new home. I am now being charged by PENN CREDIT CORP for a balance that has already been paid. I was never notified by XXXX XXXX XXXX XXXX UTILITIES that this balance was being sent to collections. Because of this, I now can not get approved for an apartment because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (VA)

On XX/XX/2023, I contacted XXXX XXXXXXXX XXXX in response to an alert I received on my laptop that my computer had been attacked by XXXX XXXX. When I called, the woman asked for remote access to my laptop and ran a software program that showed 25 hackers in my system. She asked me to check my financial accounts to see if any money had been removed and then called Citibank to inform them of the hackers. I then received a call from Citibank Fraud Protection and over the next several hours, they convinced me, along with the XXXXffice of the General Counsel of the Social Security Administration, that I needed to transfer {$44000.00} to a dummy account at XXXX XXXXXXXX XXXX a partner of Citibank, until the hackers were removed from my system and then the funds would be transferred back to my account at Citibank in 24 hours. When I became aware that this was a scam, I called Citibank that evening and was informed that the funds had already been transferred. She said she could not contact XXXX XXXX, made a report, and said I should call Citi Wires the next day. The next day I was informed that XXXX XXXX had been contacted and had not yet responded. I have not heard from Citiback since. I do not feel that Citibank or XXXX XXXX have acted with a sense of urgency, care or concern. I have been a client of Citibank for over 40 years and was planning to use those funds to assist with my cost of living as I am recently retired. A six-page report of the fraud is attached to this complaint.
Consumer complaint received 2023-02-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account was closed a while ago. When Covid 19 forced XXXX XXXX 's call center to close, I was unable to make my payments due to my account already being closed for over a year. With a closed account you have to speak to an agent to make a payment. It was out of my control that they're call center was closed due to the pandemic, and I should not have to suffer consequences for that. As soon as the call center opened up, months later. I made my payments. I should not have any late payments on my credit report. It was/is against the law due to National Shut Downs because of Covid 19.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-08
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: Bread Financial Holdings, Inc. (CA)

Comenity Bank/XXXX Credit Card is currently reporting on my credit report. This account is not mine and I disputed it as identity theft with Comenity and they removed it from my XXXX credit report after receiving my identity theft affidavit but then they added back to my XXXX  credit report. I have done everything thing I needed to being a victim of identity theft but they are reporting on my XXXX as 90 days late. This is not account.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

Dear Sir/Madam I'd like to make a new complaint but there was no similar case so i will tell you here. 

I used Paypal XXXX ( Online payment service ) service but one day they emailed me that My Paypal account is permanently limited. 

They told me, I did not follow their regulation so they will hold my fund for 180days but after 180days they did not release my fund and just took it from my account. Total amount is USDXXXX approximately. 

I can not believe why this is happening. I called their customer center and finally they told me my fund ( USDXXXX XXXX is transfer to Paypal as damage fee. 
I can not understand and this is criminal. Pls help me to correct this issue. 

Attachment Paypal email 1,2 : This email is showing that my account is permanently limited and hold my fund 180days. 

Paypal Login : This screen i can see when i log in Paypal. 

Paypal transfer money : Paypal took my money without notice. 


I am not sure if this is right place but I need your help.
Consumer complaint received 2023-06-01
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. (OH)

Subject : Request for Immediate Removal of Fraudulent Accounts and Unauthorized Hard Inquiries I am writing to inform you that I have recently become a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. As a responsible consumer, I am taking immediate action to rectify this situation and request your assistance in removing these fraudulent accounts from my credit report as soon as possible. 

The following is a list of fraudulent accounts that have been reported to my credit report without my authorization : 1. Account name : XXXX XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXX 5. Account name : XXXX XXXX Account XXXX : XXXX XXXX. Account name : XXXX & XXXX Account number : XXXX 7. Account name : XXXX XXXX XXXX XXXX Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure that the information furnished on my credit report is accurate, complete, and verified. These fraudulent accounts clearly violate my rights as a consumer and are causing significant harm to my creditworthiness. 

I kindly request that you investigate these fraudulent accounts promptly and remove them from my credit report within four business days. Failure to do so would be a violation of the FCRA and may result in legal action being taken against your organization. 

Furthermore, I have noticed the presence of unauthorized hard inquiries on my credit report that are not associated with any open accounts. These inquiries were made without my written consent and are adversely affecting my credit score and my ability to obtain credit. I demand that these unauthorized hard inquiries be immediately removed from my credit report. 

I must emphasize that I do not wish to receive a response from e-oscar or any automated system. I request that this matter be handled by a competent human being who can provide the necessary attention and ensure a proper resolution. 

I urge you to take immediate action on this matter and provide me with written confirmation of the removal of the fraudulent accounts and unauthorized hard inquiries from my credit report. Additionally, I request that you block the information related to these fraudulent accounts to prevent any future reporting. 

I expect your prompt attention and resolution of this matter within the stated timeframe. Please note that any delay or inaction on your part XXXX lead to further damages and will be duly documented for potential legal recourse. 

Thank you for your cooperation and assistance in resolving this distressing situation. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report. 

Yours sincerely, XXXX XXXX