davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The night of XXXX and between the morning of XXXX My wallet with my edd debit card was stolen I figured it out Monday morning the XXXX of XX/XX/2021 I reported my card stolen with Bank of America Immediately the stopped and canceled the card and sent me a new card that arrived about 8 days later I then contacted edd I needed to verify my identity with them and XXXX then they sent Bank of America that info I called back to B 9f A few days later they told me to wait for more info and that {$810.00} dollars was stolen from my account I still have money in the account I got a letter from them a few days later XXXX that was dated the day after I reported my card stolen XXXX saying my account had been closed claim closed my account was charged for the {$810.00}, the new card the new card should up but was unable to activate it not able to access my remaining balance or any of the new payments sent to my account since then still closed they told me I had zero liability on this account and that they would help me fix the issue take I was taken care of then next time I called I was told I wasnt even a customer anymore and there is nothing I could do transfer on hold for hours to only hang up on me still have at least returned my money I have no negative balance or owe them for anything or allowed me to open a new account to address the problem like any normal bank would there is the federal act of Regulation E to protect my account as well as there claim that my edd card has Zero liability protection they totally turned the opposite pushing it under the rug closing the account rite away no investigating or asking for any details what happened how what why where not holding up to there contract with edd and myself with the there debit card specially in situation and from keeping my funds not following guidelines there are more details
Consumer complaint received 2021-03-06
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: SYNCHRONY FINANCIAL (CA)

XXXX  continues to report inaccurate information even after original creditor requested removal. I have made multiple disputes to have this removed. On XX/XX/XXXX Syncrony Bank requested all three credit beauros to update the Synchrony Bank Credit card as paid in full and remove 4 late payments dated XXXX. XXXX  and XXXX  complied with the request however XXXX  has not. On XX/XX/XXXX I filed a dispute through XXXX  online dispute center. I provided the affidavit with the request to correct the derogatory account and remove the reporting of late payments from XXXX. I received the results of the dispute on XX/XX/XXXX and the information had not been updated to correctly report the information. Additionally, I filed a report with the Consumer Financial Protection Bureau. XXXX  responded to the dispute stating that they would investigate and update the information accordingly. They have yet to update. On XXXX XXXX they updated the account still reporting the innacurate information of 120 day late payments from XXXX. 

Your Desired Resolution : This information on my credit report needs to be corrected immediately. It is currently preventing me from getting a home loan. It is an absolute failure and is placing an undue amount of distress on myself and my family. XXXX  must remove late payments dated from XXXX on the XXXX XXXX XXXX credit card XXXX 

This case will be reviewed by a complaint specialist at the XXXX  XXXX  XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded.
Consumer complaint received 2021-03-06
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: ERC (GA)

On XX/XX/2020 XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-06
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: Resurgent Capital Services L.P. (GA)

On XX/XX/2020 LVNV Funding LLC. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (VA)

XXXX XXXX @ XXXX XXXX XXXX XX/XX/XXXX Bill : {$7100.00} sent to XXXX XXXX XXXX payed the ALLOWABLE amount of {$500.00} on XX/XX/XXXX to XXXX XXXX DBA Paragon Revenue GR opened collection on XX/XX/XXXX This collection charge appears on XXXX Credit Report DBA Paragon has NEVER CONTACTED me regarding the alleged amount owed of {$1200.00} either by a paper trail or phone. I do not know how they arrived at this figure when XXXX XXXX accepted the payment of {$500.00}. XXXX won't remove this charge because DBA Paragon claims it is legitimate. XXXX considers this original bill of {$7100.00} to be payed in full. My out of pocket expenses with XXXX had been met, so I am not responsible for this bill.
Consumer complaint received 2021-03-06
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. (PA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct.The creditor has agreed to delete this account. Please contact the furnisher and they will confirm this. Then remove this account from my credit report.
Consumer complaint received 2021-03-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Scheer, Green & Burke L.P.A. (TN)

on XX/XX/XXXX, XXXX XXXX saw an XXXX, XXXX XXXX at XXXX XXXX XXXX. After services were performed, he learned it was not a covered service. His wife spoke to XXXX Billing who said they would try to re-submit or write it off. 
In XXXX of XXXX, Mr. XXXX received a notice from a collection agency and his wife contacted XXXX who said to disregard it that they were writing it off. A final notice was received in XXXX of XXXX. 

Then, on XX/XX/XXXX, he received a letter from supposed attorneys Schreer, Green, and Burke demanding payment. Mr. XXXX responded with a letter dated XX/XX/XXXX, disputing the claim particularly because more than 12 months had passed with no invoicing and indicated that he had no intention to pay when he had been told it had been written off AND there had not been any appropriate invoicing since XXXX of XXXX. 

Mr. XXXX then received a second letter, undated but with a postmark of XX/XX/XXXX with a copy of the medical account information from XX/XX/XXXX indicating that we had 30 days to dispute it even though we already had disputed it and told them in writing there was no intention on Mr. XXXX 's part of paying the amount. 

The issue of the complaint is that they are trying to collect a medical debt that had gone more than 12 months with no invoicing. Thus the second letter was construed as harassment. Mr. XXXX is a XXXX year old retired XXXX veteran of an allied country, who has immigrated to the US and has limited means so this should also be considered as preying on the elderly.
Consumer complaint received 2021-03-06
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: WELLS FARGO & COMPANY (MA)

I want a removal of a credit remark. This remark is due to a late payment, that had occurreddue to changing of online payment portals - fromXXXX 
 Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file. Wells Fargo moved their auto loan payment system from WellsFargoDealerServices.com to WellsFargo. I was under the expectation that it would be a seamless transition, as told to me by phone call to Wells Fargo customer care. Instead I realized I had to set up a new account on a different website. This is due to Wells Fargo error. Had perfect payment history with Wells Fargo before and after this. I have underlying causes and have been limited during covid 19. 

I was making payments on the Wells Fargo Dealer Services site until XX/XX/2020 when then found out it was no longer accessible, but by then it was too late. 

I have had perfect payment history aside from the late payment in XX/XX/2020 The customer service is horrible. I call up and feel like I am being berated by this company and they are mistreating me because of my ethnicity. I need this removed immediately or I will escalate.
Consumer complaint received 2023-05-11
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: PNC Bank N.A. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I did not consent to, or authorize nor benefit from any of the following accounts and information.
Consumer complaint received 2021-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA XXXX XXXX # XXXX ( XXXX {$1100.00} ) HAS PUT A DUPLICATE FRAUDULENT ACCOUNT ON MY CREDIT REPORT 5 TIMES ACCOUNT DOESN'T BELONG TO ME. ALSO XXXX XXXX XXXX ( XXXX XXXX, ACCT # XXXX ( XXXX {$360.00} ) I NEVER OPENED AN ACCOUNT WITH XXXX THIS ALSO IS A FRUADULENT UTILITY ACCOUNT. 
THE INQUIRY DATED XX/XX/2021 FROM XXXX XXXX XXXX IS A FRUADULENT ATTEMPT TO APLLY FOR A LOAN I NEVER GAVE ANYONE OR XXXX XXXX XXXX  PERMISSION TO APPLY FOR A LOAN.
Consumer complaint received 2021-03-07
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I opened a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card account around XX/XX/2021. XXXX never sent me my account information or credit card so that I can activate my account and make payments online. Because of this, I was not able to make a payment on time and XXXX XXXX XXXX marked me XXXX-days late on a payment. There are also several other errors on my Experian and XXXX XXXX reports that have not been corrected or deleted after several disputes. 

It is not fair that a consumer be hit with a XXXX late reporting when he did not have the opportunity to make a payment because the furnisher did not send the proper account information in-time. XXXX XXXX XXXX has violated the FCRA and I believe the Fair Billing Act as well.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I recieved services from XXXX XXXX XXXX XXXX, Georgia in the amount of {$150.00}. I was referred to XXXX XXXX  XXXX. I paid the entire bill on XX/XX/2020. I have a receipt of the paid bill from XXXX XXXX. I contacted XXXX  XXXX  XXXX  to inform them that the bill was paid. They said they would look into it but never responded to me. XXXX continues to report the bill as unpaid. I contacted Equifax to dispute the bill. Equifax provided me with the I instructions to dispute the bill. I provided Equifax with the information they requested. I recieved a letter from Equifax saying they can not find my file but continue to report XXXX XXXX as not paid.
Consumer complaint received 2023-05-11
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. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2021-03-07
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 (GA)

My wife ( XXXX XXXX ) received settlement from XXXX XXXX XXXX in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face with PayPal stealing our money. I have already submitted the requested documents to Paypal and recieved and email staing they will be holding my {$8500.00} for 180 day/6 months! This practice is unexceptable and something must be done about this! I cjoose Paypal as an option and this was a bad choice! Paypal is not a bank its an App os this type of pratice should be out lawed and regulated! I dont need Paypal to hold any money for me my wife and I were entitled to this money from XXXX XXXX due to a Car accident we were in. This was my wife ( XXXX XXXX ) settlement check she opted to have sent to her via Paypal! We are in jeopardy of being evicted and due to the Pandemic our jobs and business has slowed up. Causing or bills to get behind. Our family REALLY need this money! So please help us fix this problem and Reinstate my account so that we can have access to the money {$8500.00} that rightfully belongs to us NOT!! Paypal!!!
Consumer complaint received 2022-12-12
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 602 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (TX)

Ok so i thought there were fraud charges on my us bank relicard ( unemployment ) so i called to report and then the fraud departure lady asked me if i wanted a new card I said sure she said it will be there in 4 to 5 days well it came and i went to activate it and it was locked so i called and they told me i would have to send in a current id. And a selfie so i did the first ssid it was blurry to go through the steps again so i did well it was blurry again i found out this because i called they didn't send me no email or call so then they said ot has to be a valid id that i didn't have and they didn't say this when they asked if i wanted a new card they didnt say nothing about having to send any documents to get my card validated so then they ask me for all these other documents they said they didnt get this was the first week of XX/XX/2020 it is now XX/XX/XXXX and stiil they have {$1600.00} dollars of mine they wont release because they say they will only take a valid id which i dont have do to other documents i need to get it i am without electricity and water and food because of them not unlocking my card i called about and them not telling me all the documents i would need after asking if i needed a new card i didnt ask them they asked me it was shady on there part to do this to my kids amd i XXXX.i wouldve just kept my other card i have been in tears i have done what they have asked me to do about sending in other documents but they are holding my unemployment the only money i have hostage and them the send me a letter say if nothing is done buy the XXXX of this month XXXX they will send it back to unemployment i am at a virge of a nervous breakdown i dont no what else i can i do so i am begging and pleaing for your help please help me please
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOUTHSTATE CORPORATION (GA)

Hello This complaint is regarding a bank I use here in XXXX Georgia its called Center State Bank or South State Bank. I lost my job from the pandemic and I have sold just about everything I own and my mother has been helping me sending me money with checks or XXXX. I also have funds getting transferred from small sales I make online. I finally just found work almost a 2 hour drive but I'm happy to have a job again. My mom sent me around XXXX $ XXXX and I thought it transferred instantly and was using my debit card. The bank charged me over XXXX $ in overdraft fees and I'm now in the negative XXXX I've been with this bank for several years and when I called to get help, they told me I was irresponsible and was then hung up on, I talked to several managers that were so unbelievably mean I don't really understand why they would pray on people that are already struggling. I can't even buy food or pay my bills right now because I can't pay these fees and my mother is in the same position we work extremely hard for our money and it's a shame that people are doing this. I'm definitely going to close my account here soon. I know Congress has sent letters to several banks asking them to not do overdraft fees and honestly I'm about at the end of my rope here. I couldn't find a job for months and didn't qualify for unemployment. I don't have any income whatsoever until I start my new job. I don't think they really need the money more then I do. I'm just trying to do the best I can for now.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

I can not access my Experian account to unlock my credit freeze. I have called several times and can not access a live person to help. They keep sending me back to the website- which can not locate my user name. I have tried calling corporate office too but that phone directs you back to the XXXX number. I'm obviously frustrated as I can not manage me credit freeze. I have pending apartment unit waiting on my credit check...
Consumer complaint received 2022-10-31
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.