davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
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 ()

PLEASE HELP!!! 

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 PLEASE HELP!!!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I spoke to a representative and they said once it was paid, they would let the credit bureaus know and it would be deleted from my credit reports, all three. It has not been deleted, only shows XXXX balance. I am trying to buy a home for my children and I and would love help getting this deleted off my credit reports. Please help. 

Thank you
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (PA)

I have five fraudulent inquiries appearing on my credit report 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 2021-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (NC)

Medical Data Systems has placed several damaging items on my credit report without due process ... .process to include no notification in written that would have allowed me the right dispute and or request validation of these alleged debts, which is clearly a violation of the FCRA and FDCPA. 

I have no knowledge of these accounts : XXXX XXXX XXXX # XXXX {$780.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$2200.00}
Consumer complaint received 2021-03-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have submitted all the document to TRANSUNION that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that NAVIENT CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

I am ONCE AGAIN, attaching all the document HERE. These documents include a list of all the creditors who were listed and discharged. XXXX is on page 19 and highlighted. This copy if STAMPED from the COURT. Also, is a COURT COPY of the DISCHARGE, showing ALL STUDENT LOANS were DISCHARGED. Also included is a copy of my Drivers license, a copy of a bank statement showing my address that matches, and the matrix from the court showing NAVIENT was sent the paperwork FROM THE COURT, so they KNEW that 3 YEARS AGO, this was DISCHARGED. THEY DO NOT get to SELL this debt to someone else AFTER discharge to try and collect, so XXXX on my credit report NEVER should have been listed. I am TIRED of credit reporting agencies 'investigating '' and listing it as " ACCURATE ''. It so NOT accurate and here all the DOCUMENTATION to PROVE IT!!!! THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged.
Consumer complaint received 2021-03-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECK INTO CASH INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called CHECK INTO CASH of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to XXXX XXXX XXXX XXXX, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from CHECK INTO CASH. So, I do NOT OWE XXXX XXXX XXXX ANYTHING.
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX I wrote XXXX XXXXXXXX XXXX XXXXXXXX or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. So I flied a complaint as I'm trying to resolve the issue. On XX/XX/XXXX they responded back saying that letter was sent to their Virginia Office which has been closed for serval years and the credit reporting agency should not be reporting that address.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I made 2 mobile check deposits on XX/XX/2021 with Citibank into my checking account which posted on XX/XX/XXXX and were made available for me to spend. On XX/XX/XXXX, Citibank arbitrarily rescinded my money and charged me insufficient funds fees for using the money from my checks which they cashed. They then held on to my money for and additional 7 days, even after sending a formal letter acknowledging that they had in no way apprised me of these deceptive practices when I gave them my money to open an account with them.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

Chexsystems has not removed reports that contain fraudulent information, even though the information has been disputed with the financial institutions themselves. ChexSystems and the financial institutions knowingly reported fraudulent information during the period when I was still a minor. The report includes the following : XXXX XXXXXXXX XXXX  ; ACCOUNT ABUSE Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX XXXX XXXX ; OVERDRAFTS Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX Both accounts were closed when I was only the age of XXXX ( XXXX ), upon collecting further information from these financial institutions the required legal age to open these accounts is XXXX, as I was only XXXX these accounts are a result of fraudulent activity, and Chexsystems did not follow procedure and federal guidelines when reporting information. 

I requested this information be removed due to fraud and ongoing investigations, Chexsystems has yet to respond to questions.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (FL)

My checking accounts were accessed online on XX/XX/XXXX. Three transactions were created using the XXXX app. A total of {$4000.00} was stolen from both accounts. On XX/XX/XXXX -I noticed my cell phone wasn't working. I could not make any phone calls only send and receive text messages. After getting my phone restored, I went to my online banking to pay bills and was unable to access my account. My password had been changed and security question had been placed on my account, which was : Who was your first crush? So I called Regions Bank XXXX # automated service to check my balance and discovered I only had {$47.00} in my account. I immediatley called back to speak with a live person to report the fraud. The teller restored my account by verifying other information. Thats when she told me two transactions had already cleared. One for {$100.00} and the other for {$1900.00}. She also told me there was another one pending for {$2000.00} from my other checking account. She transferred me to the fraud department, which I was on hold over 40 minutes. Then a female answered, took my information, put me on hold, then hung up on me. I called back to the fraud department, held another 40 minutes or so, a man named XXXX came on, took my information and recommended I go to my bank and file a report with the branch manager. The next day, Saturday, XX/XX/XXXX. I met with XXXX XXXX Branch Manager, Vice President, XXXX XXXX Branch XXXX He took my information and recommend I file a police report. On my way home from the bank I called the XXXX XXXX Sheriffs Office, they sent two officers out to my home. I gave them my statement, and filed the report, case # XXXX. They turned my case over to Detective XXXX. Det. XXXX called me and said the phone number that was linked to the recipient of the XXXX account was used 4 or more times and was unlikely to be caught. He would have to turn this case over. My complaint is my bank, REGIONS BANK and XXXX has refused to restore the {$4000.00} that was taken from my account. I did not authorize XXXX to withdraw any money from my account and I want to be reimbursed.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

Fair Collections & Outsourcing This company blatantly disregarded valid disputes that I submitted to their company. They only care about getting paid and not researching the inaccuracies I pointed out. I was treated rudely and this company does not care about the victims they collect upon in any capacity. 

This company is collecting on a Apartment Lease that I have pointed out several flaws in the original contract and sent them a letter requesting that they investigate on XX/XX/2021, till this date I have yet to see any response and I even called them and they confirmed that they received the letter. Yet I still can not get approved for my mortgage without their company falsely pursuiting a debt that should not have been owed in the first place. They took my Security Deposit away from me under false pretense that I broke the lease. I followed the contract requirements for the complex to its entirety and then they default my security deposit and charge me additionally? If this collection company did any research they would see I am a victim here.
Consumer complaint received 2021-03-04
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. (NC)

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020, XX/XX/XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. I have received the following answer from the agency 'This account was recalled by the creditor in XX/XX/2020. XX/XX/XXXX is no longer handling the matter and requested removal of the account trade-line from the credit reporting agencies at the time of recall. ' According to the FCRA XX/XX/XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

I retired from an XXXX XXXX XXXX on XX/XX/XXXX. When I retired I sent my corporate XXXX XXXX card back to my employer. On XX/XX/XXXX I received a bill for a corporate XXXX XXXX from my old employer and sent to an address I moved away from in XXXX ( I am still have contact with the current residents. ) I sent this documentation to my previous employer and was informed it would be taken care of. On XX/XX/XXXX I received a letter at my current address informing me that my corporate XXXX had been canceled and referred to credit collections. This is very confusing because I have had an XXXX XXXX account since XXXX and I still use the card everyday. I was never contacted by XXXX regarding the delinquent corporate card. 

Now I am being harassed by a credit collection agency by mail and by phone daily.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that this account will remain on my credit report. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  amount : {$13000.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (GA)

XXXX XXXX is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however XXXX is adding over {$46.00} a month to the debt and putting that information on my credit report.
Consumer complaint received 2021-03-05
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: CITIZENS FINANCIAL GROUP, INC. (MA)

I have been Speaking To Citizens Bank about a Fraudulent on my Card about XXXX Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have 2 accounts on my credit report that are in good standing but they keep showing I have ( 6 ) missed payments total. On one account it shows on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I have missed payments. On the other account is says I missed XX/XX/XXXX, XX/XX/XXXX. Im trying to improve my credit purchase a house and Im trying to get this straightened out because I have missed a payment since.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (MD)

I real complaint is with XXXX! They are relentless. This is the XXXX collection agency they've sent me to even after it have been established that this debt is not owed and have been closed for more than 2 years now. 

I received a letter from Source RM on XX/XX/2020. I immediately calls them and informed them that this is bogus and that they are the third company that XXXX has used to try to extort money from me. The customer service representative informed me that she would take care of it. I never heard from the company again via phone or mail. Instead they FALSELY reported this wrong and harmful information to the credit bureaus causing my credit score to drop severely. This negative reporting continually and unexpectedly is causing irreparable damage to major financial moves I'm trying to make and I need this to stop once and for all! I DO NOT OWE THIS DEBT!!!
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (FL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

I got the loan in XX/XX/XXXX was supposed to make first payment in. XX/XX/XXXX i got in a car wreck hirt my back and was out of work for a while. I talked with them in XX/XX/XXXX told them i would pay as soon as i got my taxes. Then they started harrassing me day and night everyday at home at work. I work nights so they would call my work at XXXX at night. My charge nurses would tell them to stop calling i would tell them to stop. XXXX store manger would be rude and tell me if i answered my phone when he called he wouldnt call my work rude and hateful. I work nights so when he would call at XXXX in the afternoon thats one in the morning to me. I sent two cease and desist emails to tower loans telling them to stop harrassment at my job they continued. I told XXXX again to stop he continued and was very rude. In the middle of all this i was behind for being off from the wreck and had to pay to get my car fixed so i was behind in everything he wouldnt help. Then covid hit and i got covid was out for a month. No i am even further behind. I have a family of XXXX i have to take care off rent over XXXX and all utilitys. So of course i cant pay. Now they are sueing me ok i get it. Itstead off getting my new address they are harassing me at work again after almost getting me fired the first time. They are having me served at work, sending papers to my work. They are ganna get me fired then no one will get money.
Consumer complaint received 2021-03-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There is a XXXX XXXX card listed as a charge off on my credit reports, and after disputing it they have still not removed it. The charge off amount is listed as {$2100.00} in XX/XX/2019, but with pays as agreed status through 2019 and no payments listed, ever. This is incorrect, is was not late and is not a charge off, and the negative information should be removed.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (ME)

I tried to close a long-dormant account ( haven't used nor have I had a card for the account since XX/XX/2020 ), account # XXXX. I messaged the HSBC Bank USA department to close the account. I provided all information requested including my social security #. However, their personal details weren't accurate on my account at all ( I've moved out of state to ME since then. ) They updated the information on their end. However, they then advised me that I would have to " Request you to please get in touch with us, once the address is updated and we will process the account closure. '' However, I was not given a firm timeframe for how long it would take that to update ( it reflected on my end immediately. ) This is the second time I have been told to call back 4-7 business days late ( the account overdraft and I transferred in funds to bring it to a XXXX balance. ) It feels like fraud.