davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-13
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. (AR)

THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN, XXXX and XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite Experian, XXXX and XXXX has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXXThese Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, XXXX and XXXX XXXX to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.
Consumer complaint received 2020-01-07
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 (PA)

On XX/XX/XXXX, PayPal permanently limited my account, my wife 's personal account and my personal account for non-fraudulent violations of their Acceptable Use Policy. Furthermore, they stated that they would be holding my entire balance of {$280.00} for 180 days to cover refunds and potential chargebacks. 

For the entire calendar year of XXXX, I had a total of {$0.00} in refunds. I had {$0.00} in charge-backs ( see the attached report from my PayPal account ). 

It may be fair for them to offer me services, but all of my payments were for services and not for products sold. I don't have PayPal set up on any website.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The personal information showing on my Experian credit report is inaccurate. There are misspelled names, outdated address and phone number. This is a big red flag for identity theft, pre-approved credit card offers could be sent to the wrong addresses. I only have one name, one address and one phone number. 

I've tried to correct this directly with Experian by sending a XXXX XXXX Mail on XX/XX/2022 requesting removal of inaccurate personal information, but they have refused to remove some of the wrong personal information and they remain on my Experian credit report to this date.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I have been trying to remove the security freeze off of equifax for 30 days. I'm so tired of these foreign people. I've sent in passport, drivers license and utility bill and they keep giving me the run around. Talking about I have a mixed file. I have no issues with XXXX or XXXX. I just moved and updated my address with all 3 credit bureaus and sent in all documents. I will also attach documents along with this complaint. I keep getting hung up on when I call. So I want to file a complaint and if this doesnt get resolved. I will file a law suit against Equifax.
Consumer complaint received 2023-07-19
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. (AZ)

on XX/XX/23 i mailed a formal dispute to equifax and have yet to get a response i have called them and they have my letters but have not processed the disputes i have requested
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX  199XXXX
Consumer complaint received 2022-12-26
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: Bread Financial Holdings, Inc. (IN)

In accordance with the Fair Credit Reporting Act ComenitybankXXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$7900.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX, XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX, XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired onApr XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the XXXX XXXX AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-21
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: Early Warning Services, LLC (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Per the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

I have been in communication with the Mortgage servicer regarding information recently discovered. 
There is an associated complaint, and it is not corrected. XXXX complaint id I have a copy of the credit report showing the lender reported to my credit bureau report that my note was paid in full on XX/XX/2008. Paid as agreed with 228 payments of {$980.00}. that totals approximately {$220000.00}, in 15 years, we paid note off early they reported the note as paid, and 2 years later they had attorneys evict us from the property. They lied on the answers on the previous report complaint and they have never answered my questions that I ask, they reword the questions and then answer what they want to answer. I paid off my note and they did not tell me, but the attorneys who evicted me from my home, had information, and evidentally Wells Fargo failed theyre duty in following thru. As you can see in the attached letters from them on the complaint, and on my questions, they stated, they sold the home again to someone. After reporting I paid off my note, even after that the banks attorneys were constantly defaulting us, they never answered theyre phone, or my calls, or questions, at the time we had no idea that we paid our home off early, but when we look at the ledger it all adds up. Some how, this happenned and it was not reported as a foreclosure, they know we paid it off, and in the letter they state, that the information they reported to the credit bureau was accurate, so why am I homeless. I am asking for the money I paid for that home to be returned to me with interest, and cant see a reason why, this is not a good reason to collect from them. Truth in lending disclosure which they are not mentioning anything with that, as they never even acknowledge that it is a final document and attached to the note. Furthermore how much do they think they should get for a {$75000.00} note, the truth in lending disclosure stated when we make all our payments in 30 years we would have given them XXXX, well we gave them {$220000.00} in 15 years and they stole our home, and never had to show proof of any ledger for the foreclosure, they have washed the ledgers and rewritten them several times, but we have the original, another thing is in theyre requests for a copy of the payment history internally with theyre company they request only until 2008, why is that, because it was paid off in 2008, and they reported it to the bureau, but then they say, what we reported is accurate, so with that how did they take my home.
Consumer complaint received 2023-07-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lacy Katzen LLP (NY)

I was just awarded my home in a recent divorce. I had to refinance in my own name to be able to obtain a mortgage. I was notified by email from the lender that there is a judgment/lien on the property. I called the county clerk 's office who notified me that there was a judgment. I then contacted the court where the judgment was made and they subsequently told me the nature of the claim, I discovered that this debt belonged to my son for unpaid car payments and repossession. 
They had his address listed and his identifying information but they put a lien on my residence because he shares the same name as my ex-husband. I explained all of this to the collector XXXX, who said that it happens all the time but they were not going to do anything to rectify the situation. My son and ex-husband have different birthdays, social security numbers, and middle initials. They even had my son 's address listed on the court documents. They were fully aware that these were not the same people. My son was XXXX years old when we bought the house. 
The judgment was entered on XX/XX/2023 in the amount of {$3800.00}. The business is XXXX XXXX XXXX XXXX. The debt collector is Lacy Katzen LLP. I spoke with the collector this afternoon on XX/XX/2023.
Consumer complaint received 2020-01-07
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc. (HI)

Someone from RMS continually calls my work. They ask that I be pulled from meetings and from religious services. They harass and give a hard time to our receptionist and office manager. They have called daily for almost a month. I asked them to stop and they refuse. I do not believe I owe this debt.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (IL)

On XX/XX/XXXX, Robinhood placed my investment, spending, and cryptocurrency wallet on " restriction '' after I called about a declined debit card transaction and ATM withdrawal attempt at XXXX XXXX  of XXXX Indiana. Since then, I have been left in the dark regarding the reason for the investigation and the duration of time they will be holding my money hostage. Currently, I am unable to access support on the app, and I have no means of contacting the company. Although I have provided verification documents, including my state ID and bank statements, they have not provided any explanation. The message I receive states that I am " already on a call with Robinhood '' and that I will receive results of their review in 7-10 business days. This prolonged period to hold someone's funds without any prior warning or explanation is highly concerning.
Consumer complaint received 2023-07-20
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: TD BANK US HOLDING COMPANY (IL)

This account does not belong to me the social security number does not belongs to me and is being reported to XXXX in which I have contacted TD Banks about accounts this account starts or ends with XXXX and XXXX and this being reported illegally to my name in which this account is not mine
Consumer complaint received 2023-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (MI)

On XX/XX/XXXX I was seen at the XXXX XXXX  department. On XX/XX/XXXX I received 100 % patient financial services through this hospital. The patient financial services covered all dates of services through XXXX. A debt was sent to collections for this DOS. When I contacted XXXX they were unaware of this debt. Upon further investigation, it was found that the ER physician was contracted through XXXX and sent the bill out. When I contacted the ER physicians company and informed them of the patient financial service  they told me they were unable to help as they had already sold the debt. ( I received no bill from this provider ). The bill would have been 100 % covered under the patient financial services. I was contacted by MBA law. I submitted proof of this on XX/XX/XXXX, they did not follow up on this matter. I contacted them again today, to which they told me they need more proof of coverage. Furthermore, an additional debt collection agency has ( XXXX XXXX ) submitted this same debt to the credit bureau, with zero correspondence to me. I contacted XXXX  and have yet to receive a response. I contacted MBA LAW and they were unaware of who XXXX XXXXt was. At this point I believe my debt was sold to multiple debt collectors whom are all trying to receive the XXXX $ from me. This has negatively affected my credit score. Please help.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my credit cards on XX/XX/XXXX, and I was told that I can transfer my Ultimate Rewards Points to a partner program. I tried to transfer all my points ( XXXX ) to my XXXX account ( account # : XXXX ) online, but, I received an error message. 
Then I tried to transfer my points via a Chase secure message, but an agent responded that he couldn't because my account was closed on XX/XX/XXXX, which is completely incorrect as my accounts were closed on XX/XX/XXXX ( as on the letter saying my accounts were closed ). 

Please correct this issue and transfer all my UR points ( XXXX ) to my XXXX account ( account # : XXXX ) as soon as possible. 

In addition, I wish my accounts were not closed. I have enough liquidity to maintain my accounts solvent all the time, and I have never been delinquent. If possible, please reinstate my accounts.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2019 2 fraudulent checks in the amount of {$4000.00} & {$4900.00} from XXXX was deposited at Bank Of America ATM in Maryland. I called Bank Of America to do a claim due to I did not make these deposits ... claim # XXXX was open and I am a XXXX XXXX never been to Maryland. after 30 days I I was notified by mail that my account was closed and I am liable for the fraudulent checks. I did a appeal and received the same notice stating I was liable. Upon calling i was advised that I can not open another account for 7 years. I asked was a full investigation was completed and I was advised that I should file a police report. Bank Of America didnt try to help me at all.
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (CA)

The attorney has engaged is unfair and deceptive practices in violation of FDCPA in his actions related to the attempted collection of a credit card debt which his firm bought from another agency. 
The debt is time barred, and as such can not be used as grounds for legal action. 
This attorney referenced an entry of judgement for which I was not aware nor properly notified nor properly served. 
In my attempt to resolve the debt in good faith, I provided financial information as a means to establishing a repayment plan. The attorney represented that they would cooperate with me in arriving at resolution. 
Instead, the attorney, without due notice levied my personal bank accounts. 
With the difficulty I have encountered in making contact with this attorney and his firm via phone, email, and correspondence via mail, I have not been given sufficient opportunity to communicate effectively nor has the attorney been forthright in their communication with me. 
My demand is that this attorney immediately be order to cease and desist all and any actions against me in the matter of collecting a debt, and be investigated by your office for disciplinary action.
Consumer complaint received 2022-05-04
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)

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I made a wire transfer on the XXXX of XX/XX/2022 of {$17000.00} to JP MORGAN CHASE Bank account of XXXX XXXX XXXX XXXX XXXX. Chase bank has received the funds but the recipient has not received any funds yet. CHASE BANK is still holding the money without sending me a refund nor sending it to the intended recipient.