davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2017-05-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions (AL)

XXXX   XXXX   XXXX   in  XXXX  Alabama has put a bill into collection on my credit. The bill was for my daughter, who stays in Mississippi and is on  XXXX . The opened date was  XXXX . Account was reported on  XXXX  on my credit. It is a balance of {$370.00} that should have been handled by her  XXXX . Her primary guardian is her mom, therefore I 'm unable to carry her on my insurance which is locally based  (   XXXX   XXXX   )  which is provided through my job. Debt was sold to  Holloway Credit Solutions LLC.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

I received a large direct deposit from my employer into the account for my annual bonus and my normal bi weekly pay check on XX/XX/2024. I made some large purchases and they froze my card. They did unfreeze after calling customer service and verifying my identity but on XX/XX/2024, I received an email from credit karma email address : XXXX stating that my account is locked for my protection again. I reached out to customer service several times on XX/XX/XXXX via email, chat and phone. All reps keep saying the same message : they can not inform me why my account is locked and that my account is under review by a higher department. There is no direct contact information for this department I have to wait for an email from them. 

Well today XX/XX/2024, I went to log into my account and the account was closed. I can not view my account in the app or online. Instead its prompting me to apply for a new account. I called customer service again today and was informed that the account is closed. I had {$390.00} in the account and the representative could not tell me how they plan to give me access to the money that was in my account before they closed it. The representative also could not tell me why it was closed or locked in the first place. Keep referring me to this email Im supposed to be getting from the higher department who has no direct contact information. There are hundreds of folks on XXXX experiencing this same exact issue and getting the run around from credit karma customer service. I still have not received an email from this higher department regarding account lock or closure.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-06-03
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)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items listed below : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureau ( s ) in question. 

The disputed items on my credit report include the following : XXXX : XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. Please verify account. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
Experian : XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
I have made four attempts to request the credit bureau ( s ) to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureau ( s ) to rectify these inaccuracies.

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureau ( s ) comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. 

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureau ( s ). 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Consumer complaint received 2024-03-06
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. (GA)

There are XXXX XXXX accounts reporting on my Experian Credit Report : XXXX that has a balance of {$400.00} and the other account has a balance of {$75.00}. These are not my accounts can you please assist in getting them removed. I don't know where they came from. It may have been a mistake on the creditors end but all in all, please remove them.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This card is showing 2 late payments on my credit reports to the 3 major bureaus. One late payment was in XXXX of 2024, the other in XXXX. I am a XXXX  veteran with a service connected XXXX XXXX XXXX XXXX XXXX XXXX XXXX exposure while I was XXXX XXXX XXXX XXXX. In XXXX of 2024 I experienced XXXX symptoms from that injury which prevented me from accessing the payment portal in a timely manner. I called Customer Service and they assured me that this late payment would be rehabilitated on my credit report. In XXXX of 2024 I made an on time payment via the app. The app has been problematic in the past. The app showed that the payment was successful but this was in error because the payment did not go through. I called customer service and they acknowledged the issue and suggested I schedule all future payments as automated withdrawals from my bank account which I agreed to. The CS Rep said they would investigate removing that late payment from my credit report.
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX XXXX   which does not validated a copy of bill does not substantiate deb
Consumer complaint received 2022-11-30
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)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Ohio Attorney General 's Office, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX have 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 2020-07-28
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. (NY)

please investigate these accounts they are not mines and never late on my credit please help i have no one to help XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1900.00}, Payment : {$0.00}, Issue : Identity Theft XXXX  Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Identity Theft XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Identity Theft DPEDXXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late DPEDXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late
Consumer complaint received 2017-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services (FL)

I attempted to have the medical providers bill my XXXX XXXX for services render from date of service from XXXX, XXXX, and XXXX of XXXX and the provider failed to bill them instead they placed accounts to collection to try to collect from me. I have contacted the Honorable XXXX XXXX for his assistance this matter and Congressman XXXX XXXX  sent letter to Florida Hospital XXXX XXXX to cease and desist the collection on account with date of service from XXXX thru XXXX and bill all accounts to XXXX XXXX. My deductible and coinsuranceis zero so account will be paid at 100 %. This specific collection agency has serval account for those date of service.
Account number for collection account are as follows : XXXX - {$120.00}, XXXX - {$88.00}, XXXX - {$88.00}, XXXX - {$130.00} XXXX - {$88.00}, XXXX - {$330.00}, XXXX - {$300.00}, XXXX - {$120.00} XXXX - {$9100.00}, XXXX - {$3800.00}, XXXX - {$240.00} These account were placed in all XXXX credit bureau thus damaging my credit score I have tried serveral time to contact collection agency and provider to no avail. I have also asked the providers to call XXXX XXXX at XXXX my member number is XXXX and verify my coverage with XXXX and they have refused. XXXX XXXX has advised me if claim is billed within 60 days fromXX/XX/XXXX all claims will be paid once I appeal being now claims are past the filling deadline.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP (MI)

I was contacted by this company about 3 allegedly unpaid medical bills. I spoke to them a multitude of times over several months requesting debt validation and they never responded to my requests in writing or by email. 
As time wore on, my insurance company discovered the medical bills were fraudulent. When I notified the collection company of this they still refused to provide any debt validation documents and discharged the debt back to the Dr office. 

While that may be a plus, they still broke FDCPA laws multiple times and were happily attempting to collect a debt that was fraudulent without listening to my well documented concerns about it for months
Consumer complaint received 2017-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (WA)

I never received my  XXXX  form 1099-INT from Santander for either my checking or savings accounts that I opened on XX/XX/XXXX  and closed on  XX/XX/XXXX . I contacted them by phone in  XX/XX/XXXX  to check why I had not received the form ; the customer support agent told me that they would re-send the form to my mailing address. I have not received it yet, and at the time the agent refused to provide a digital copy, so I do n't have an alternative way to access that information.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had an account with BofA, during this time I had several claims that mounted up to the XXXX  of XXXX  of dollars that were paid eventually. I filed the claims in XXXX and finally got them all paid ending in XXXX. This has caused my vehicle to be repossessed, credit cards closed and late fees, along with the mental distress this caused me. Ive tried to no avail to stay in contact with BofA because I had to pay my rent late on a numerous occasions resulting in over {$1400.00} in late fees and unnecessary court papers sent to me. This all has been embarrassing because BofA took their time and allowed the claims to sit dormant on their lazy employees desk. I spent hours mounting to days calling them for resolution. I need CFPB to help me immediately to get restitution from BOFa
Consumer complaint received 2017-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (SC)

In   XXXX   I purchased a home in  XXXX , MO for {$38000.00}. I immediately established automatic payments to be drafted from my checking account each month with the loan servicing company and was never late or missed a payment. On  XX/XX/XXXX , Chase Mortgage took over the servicing of the loan. Their communication regarding instructions on how to establish payments was not timely and inconsistent. As a result, the  XX/XX/XXXX  payment due to Chase was late. Payments since  XXXX  have all been on time. There was only one late payment and it was clearly due to the transferring of the loan serving company and all of the associated changes that go along with that transition. The fact that Chase 's communication was lacking in punctuality did not help the situation. Despite the peculiarity of the situation when looking at my payment history, Chase reported my late payment to the credit bureaus and I now have a blemish on my credit report that misrepresents my true credit behavior. I have communicated with Chase directly as well as through the BBB and they refuse to reconcile this issue. They are required by the Fair Credit Act to report issues with credit, however they are failing to meet this requirement as this is not an instance of poor credit, but simply a result of a communication breakdown.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NY)

I have a credit karma savings account, I made my first deposit to start creating a saving habit and after depositing my money they froze my account with no explanation to why, I get no answer from customer support and the higher department that is handling my case isnt reachable. My savings are now held in ransom and I cant get any help or know why it was frozen.
Consumer complaint received 2024-03-06
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. (TX)

According to the Fair Credit Reporting Act, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today XX/XX/08, during a XXXX minute phone call regarding the same account I filed a complaint on earlier in the week, I authorized a BofA call agent to withdraw {$50.00} from my checking account to apply to acct XXXX she instead applied the funds to acct XXXX jeopardizing the status of both accounts. During this call I did receive notice that the previous cfpb complaint had been resolved in my favor. The call today was another case of BofA calling me to claim they had ways to help me resolve my debt when in fact they had no intention of doing so. The length of the call certainly reaches the threshold of harassment. Along with deceptive practice of claiming they have ways to " help '' and then refusing to do so again and again. On this particular call the rep repeatedly put me on hold and then came back every minute or so saying she was still there working with a colleague. This amounted to the bulk of the call, and the funds transfer had happened prior to the on and off hold. They had to have seen that the payment I authorized was credited to the incorrect account. I am receiving special care for XXXX, XXXX XXXX of XXXX  electronically monitors my XXXX XXXX, and of course this level of harassment is not helpful.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I keep getting alerts by email, about my credit. I have not applied for any credit with these companies and these inquiries are unauthorized and/or illegal!! My mom has an alert with XXXX, our cellphone company and it alerted us that our email is on the dark web and my name & Social Security number is too due to a data breach! 
I took the time to contact each company separately and neither one could give me any information on where this inquiry came from. The only course of action they gave was to the credit bureaus. However, the credit bureaus are stating I need something in writing from each company, before they can remove the unauthorized inquiries. The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit, insurance, Employment, Court Order. 

Since I have not applied for or done either of these, the unauthorized credit inquiries are related to none of the aforementioned permissible which are as follows : XXXX/XXXX  - XX/XX/23 XXXX XXXX  XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity.
Consumer complaint received 2021-04-03
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''