davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-03
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. (TX)

Equifax is reporting a charged off account where I am shown as an Authorized User on XXXX XXXX  partial account number XXXX. ( Please see page XXXX and XXXX of the attached credit report. ) I have already called XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2021-03-18
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 (NV)

This complaint is for VENMO the digital money sending app. 

They permanently disabled my account on XX/XX/XXXX. 

I have had email correspondence with them over a few days and 5 emails.

They refuse to give me ANY REASON why my account was disabled and they refuse to help me reinstate it. They said it violated their algorithm.

I have NEVER used their app to do anything except send money back and forth with my friends like the other 1 billion people around the world do. Not only is it totally unfair they just disabled me but to not tell me why or give me any reasons or notifications or be clear on what could have caused this is crazy.
Consumer complaint received 2019-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (NV)

I have an XXXX  XXXX son who has been through 4 XXXX XXXX   to where being a single mom i needed to take out alot of payday loans. Which i regret. Check n go is one that im having a problem with at the moment. They called my dad and step mom who i do not speak to giving personal info out and threatening fraud charges. Have not even attempted to contact me. I plan on paying all the loans back but im just starting to try and work and get myself and son in a good position. They should not be giving out my personal info.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report today and I found quite a few inaccurate items. My name is XXXX XXXX XXXX my name is not XXXX XXXX XXXX or XXXX XXXX XXXX please delete these two errors in my name. 
I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please remove all the following addresses they are not mine : XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I believe I have been discriminated against in applying for credit by one or more financial institutions. One I know of is XXXX XXXX. I have had my account five years and I have been charged excessive fees and denied credit multiple times which they claim was because of my credit history. Why did they open an account for me in the first place then. They have denied me credit and refused to look into my situation or request income information. To me that is discrimination. I should have just as much opportunity as anyone else applying for credit but typically XXXX XXXX  are always disadvantaged. They claim they dont discriminate but I believe they do.
Consumer complaint received 2021-04-18
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. (CA)

There are alleged accounts being reported on my consumer report. I have not authorized and I do not consent or validate these accounts as mines. I do request that they be removed. My rights and the consumer law has been violated. I am a federally protected consumer and know that and this issue has caused extreme stress on me.
Consumer complaint received 2021-04-18
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. (OH)

This account is reporting as a collection item, with a current balance. This account is not my account has not been verified and not accurate. With each Bureau it shows a different amount and starts and stop date. Fields 17 and 12 have information that does not match. Most important this is not my account.
Consumer complaint received 2021-04-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Portfolio Recovery A Original Creditor Name : XXXX XXXX  I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am an occasional XXXX XXXX. XXXX debited my checking account {$99.00} for a XXXX XXXX fraudulent return of a polished chrome soap dispenser - a return that I did not authorize and in fact to which I expressly objected. The XXXX returned the product that I had XXXX as new in a used or damaged condition. XXXX, through its offshore contract agents, refuses to return the funds to my checking account at Bank of America. I have logged on to my Bank of America account and there is no option to dispute the debit.
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (UT)

The caller ID shows medicredit. It's an XXXX bill I can not pay. They have called me XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; and now today just a few minutes ago on XX/XX/2021. 

I am also suspicious that they have sold my information to scammers/robo callers because these random phone calls didn't start until the hospital transferred my information over to their agency.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Equifax is reporting incorrect information on my credit report they refuse to investigate anything but tell me to call the company 's myself ever time i send them a dispute by mail they tell me they do not get them. when i send them to the address they give me.i disputed some fraudulent inquiries that were on my credit report and they told me i had to call the company 's myself. this is not my job i do not get paid by Equifax this is there job to dispute incorrect information. and this is stated by the FTC.if the accounts are fraudulent they should be deleted from my credit report. also the other complant i have is that they are not updating information as they come in because they are making you wait 30 days to update anything. i am trying to buy a house and because they want update the information asap i have to put everything on hold. also they are reporting a bankruptcy on my credit report that is fraudulent and does not belong to me. attached is they dispute i sent them by mail
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account XXXX XXXX XXXX  3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX  XXXX XXXX XXXX 5. Torres Credit Services I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (GA)

I have sent Caine and Weiner the following.Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Consumer complaint received 2021-04-18
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. (TX)

Complaint # XXXX It has been longer than 30 days and Experian has not sent me verifiable evidence of these accounts listed on my credit report. I want these items deleted from my credit report per the Fair Credit Act 609. 

Thank You
Consumer complaint received 2021-06-24
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. (AZ)

I requested Equifax to remove a Collections that is not mine. They did not remove nor respond to my request. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I made a payment through bill pay. When the payment did not post I contacted the bank to confirm the payment process was handled on their end. I requested the transfer information. I then contacted the vendor and asked them to look into the situation. 

At first I was told the payment was made through a paper check ( later I learned this was not the case and that it was sent electronically. 

After a number of phone calls and email exchanges with XXXX ( the vendor ) I understood 1. They do not receive electronic payments ( their system does not work with that technology. 2. They do not accept paper checks ( they are returned to address on check. 

With this information I contacted Citi bank again. At this point I thought the best option would be to pull back the payment. They ( again ) told me their records stated the payment was made and cleared. This was my third contact with Citi. On the phone I was transferred from department to department which was no help. I was given a number but they in turn transferred me. After trying to approach from the vendor side, I returned to Citi via chat ( I have the transcript ). Again I was transferred around and when I returned to the initial department I started with, I requested to be connected with the supervisor. I simply could not believe it would be that difficult to have a payment pulled back. At this point it was quite possible the payment went to the wrong vendor ... but I had no details as to how to find that out. I would lie with Citi. Unfortunately each time I contacted them I was met with people who quite honestly did not know what to do. 

With over 2 hours invested in what I understand as a rather simple tracking task, I became frustrated. I thought it was important to advise some oversight agency as this kind of inability to conduct business hinges on the possibility of foul play. At the very least both citibank and the public should be made aware of their business conduct.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have submitted address correction information to both XXXX  and Equifax. They put the current address on my report but refused to delete the incorrect address information. They instead has it listed as a previous address, one of which on the XXXX report, is a incorrect address. I have sent several letters and they have been ignored. Please help me get this issue corrected.
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (FL)

A collection from Harvard Collection appeared on my credit report in the amount of {$1700.00}. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have not lived in the state of IL sinceXX/XX/XXXX, 11 years ago. I have had no communication from either entity for the last 11 years regarding any such debt. 

I have disputed this debt on the XX/XX/XXXX website and will also dispute it with the other two bureaus by mail.
Consumer complaint received 2021-04-18
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. (TX)

Back on the XXXX of XXXX I sent letters regarding some inaccuracies on my credit report that came to my attention. Its been almost 3 months and well over 2 months sent a sent letters informing the bureaus of my complaints but have yet to get a response. I just need these inquiries that were unauthorized to be taken off my credit report. This has affected my plans to apply for more credit with these existing on my report. It has been quite frustrating and I'm not sure what else to do but contact you all here and leave a complaint. I believe my information could have been impacted by the XXXX  date breach as well. I'm not sure if this possibly has an effect or not but I just felt I should mention this. According to Section 611 ( a ), failure to to investigate these disputes in a certain amount of time gives reason to remove these inquires as it has been over 60 days! Please I need these inquiries to be verified and removed after the investigation as I know these are unverifiable. Please delete, thank you!
Consumer complaint received 2021-04-19
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: Westlake Services, LLC (CA)

Westlake Financial Company has deceived me with an auto loan that was incorrect, although I have paid it for two years, I halted my payments because the social security number they have entered was someone else 's so when I learned about it, I confronted them and they have promise to fix all the error in my loan account. but it turned out that they have neglected it, please help me because these company destroyed my credit for the wrong reasons.
Consumer complaint received 2023-03-31
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. (CA)

On XX/XX/2023 I checked my credit report and I think it is wrong. I was told I have the right to have an investigation performed. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights : XXXX XXXX XXXX for an amount of {$8300.00} XXXX XXXX XXXX for an amount of {$3500.00} XXXX XXXX XXXX for an amount of {$2200.00} XXXX XXXX XXXX for an amount of {$1200.00} On XX/XX/2023 I sent a request to provide a copy both front and back of the alleged original contract/ agreement/ promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct and complete, upon the commercial liability of a proper of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract/ agreement or promissory note. 

I requested they provide verification and documentation that there is a valid basis for the companies charge-off of the alleged debt. 

I requested they provide proof that the alleged debt has not already been satisfied by any means available including but not limited to a tax write-off or insurance claim. 

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 : also states a consumer reporting agency can not furnish an account without my written instructions.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete the item of information from the file of the consumer.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX I checked the mail and noticed two packages from TDbank with checkbooks I never ordered because I do not have an account or accounts with that bank. I called TDbanks costumer service number to see if the accounts actually exist and I entered the last 4 digits of my social and it actually took me to account information. I then hung up and call TDs fraud number. The checks have my address but both have phone numbers I have never seen before.
Consumer complaint received 2021-04-18
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: EQUIFAX, INC. (GA)

I have sent letters on XX/XX/21 about FASLE reporting and unlawful inaccuracies on my Credit Report to the Reporting bureaus ( XXXX, XXXX, Equifax ) and have still not received a response from them and it has be over 30 days. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

Company is called XXXX. They have called repeatedly about a debt they believe I owe. 

I have sent this communication to them via email " I XXX Dispute the Validity of Debt Account # XXX for {$690.00} The creditor is XXXX XXXX XXXX XXXX Service DAte : XXXX "
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP (NY)

My keybank card, for collecting my unemployment benefits. Was lost around the XXXX of this month. I went to check my benefits and all my money was gone. I call keybank custom service to inform them I lost my card. They informed my that this card has been used in XXXX and XXXX XXXX this person use my card and stole XXXX $ for my account.