davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (FL)

I have been XXXX  since around XXXX and did not get out until XX/XX/XXXX This debt was not on my credit report when I went on to see how my credit looked. 
all of a sudden this debt showed up on my credit report. 
I have found that my last name has been changed, addresses that don't belong to me on my credit report and now this debt showed up within the last couple of months but never gave me the chance to state it was my debt by notifying me within thirty days just showed up on my credit report. 
when I disputed it and they say it was correct.
Consumer complaint received 2022-12-26
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. (PA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have spoken with experian and XXXX XXXX a few times for some reason they have 7 XXXX XXXX has one my addresses i never lived there. They both said would be removed from my credit report countless times but neither has done so. I do not live there. I do not get mail there.
Consumer complaint received 2022-12-26
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. (PA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2019-11-21
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 (NY)

<This is not a duplicate complaint> Dear Paypal, it is important to note that this Complaint involves an account that is in my name : XXXX XXXX ... Please send my funds by US-check. Thank you!
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

The company Chexsystem violated multiple FCRA laws including accuracy, fairness, and permissible purpose. Chexsystem stated that they verified the accounts and stated that the information was accurate. How did Cheksystem verify the accounts were accurate if I the consumer never received any notice from Chexsystem verifying if these accounts were mines?

2nd reason the account numbers are not fully showen as you see I the consumer marked in my consumer report as proof. incomplete and inaccurate report so how do I the consumer know if these account numbers that are not fully displayed are mines? 3rd reason is that I the consumer never authorized Chexsystem to report any transactions to my consumer report. 

Accounts XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX disclaimer Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Recovery Associates, Inc. (IA)

I had a medical bill for XXXX sent to XXXX in XX/XX/XXXX. I paid {$30.00} on it, never heard back from them. Received a notice from Eagle Recovery Associates in XXXX of XXXX for the amount of {$68.00}. I was working on paying off a medical bill with Eagle in the amount of almost {$1900.00}, which I just paid off. I gave permission to have them deduct a monthly amount of XXXX until it was paid off. They called me and said I owe the {$68.00} last week. I told them I pd XXXX in XXXX of XXXX on that and never heard back. I sent Eagle a certified letter with a copy of the check payment for the {$30.00}. They took another {$50.00} out of my account for THIS bill and never had my permission, the arrangements were for the large medical bill and it was paid off, NOT this bill for the XXXX. I have copies of every letter, bank statement and proof of payment and now telling me I still owe XXXX?? I want my money refunded that they took from my account without my permission for one. And for the over payment.
Consumer complaint received 2022-01-27
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: TD BANK US HOLDING COMPANY (NY)

To whom it may concern it seems td bank and XXXX are missing my phone # so i wanted to update this with both as my main line is XXXX ( cell ) and my back up line is XXXX. Just want to get this updated asap thank you.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX at XXXXXXXX XXXX I went to a sellers home to purchase an item, because they wanted to sell the item that night I didn't have cash. The seller stated she had paypal so I created an account typed in her email clicked on her name and sent the XXXX. Asked the seller did she receive it she said no, then went to try and cancel it the transaction was already completed. The person it went to has the exact first and last name as the seller.I called the next day and was told because of the way it was sent ( friends and family ) even though that's what the seller requested was not covered under buyer protection and that I should contact my bank for a chargeback and reach out to the person who received the money to which I did and my bank said they couldn't because it was sent to a person and the email comes back everytime as not valid. I was told to file a complaint with ic3.gov and I haven't heard anything about that either. I continued to call customer service and it's like they were reading off a script telling me the same thing every time i called, that they would file an appeal and I would receive an email which was a lie because I never received any emails.so I asked them what happens to my money if its not claimed and the person doesn't use paypal anymore mind you its been over 40 days and no response. Then I was told they would reach out to her through email and call, still no response. Their customer service is a joke they don't try to help you at all they just keep giving me the run around. This is a large sum of money and I'm a XXXX veteran trying to help my daughter with this item. If this was XXXX I would just take it as a loss but this is alot of money to me.Any help you can give is much appreciated.
Consumer complaint received 2019-02-13
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. (VT)

I filed a petition for Chapter XXXX bankruptcy on XX/XX/XXXX. This petition included a XXXX Bank XXXX XXXX XXXX credit card account that had a past due balance of {$2400.00} dollars. I have included the petition that shows this. On XX/XX/XXXX, my unsecured debt ( including the XXXX Bank XXXX XXXX XXXXXXXX XXXX credit card debt ) was discharged through the bankruptcy discharge. I have included a copy of the order of discharge. On XX/XX/XXXX, XXXX Bank XXXX XXXX XXXX was notified electronically of the discharge and on XX/XX/XXXX a notice of the bankruptcy discharge was sent via first class mail was to XXXX Bank XXXX XXXX XXXX. I have included the Certificate of Notice. 

On XX/XX/XXXX, I opened a dispute using Experian 's online Dispute Center as the information being reported by XXXX Bank XXXX XXXX XXXX showed a past due balance of {$2400.00} and was still reporting negative reporting. On XX/XX/XXXX, Experian updated my dispute saying that XXXX Bank XXXX XXXX XXXX certified that the reporting was accurate. 

On XX/XX/XXXX, I saw that the negative reporting was still on my account -- though every other account including in my bankruptcy have been updated to a PAID status and included comments that the debt was included in a bankruptcy discharge. I therefore initiated another dispute. ( NOTE : Some of the other credit cards also show a remaining balance though they have a PAID status ; I have initiated a dispute with them as well and am still awaiting the results ). 

XXXX Bank XXXX XXXX XXXX re-certified the information as accurate. I am writing because the information is not accurate and is negatively affecting my credit score. I have supplied all the documentation that shows that this debt was discharged lawfully in bankruptcy and that this account should reflect so -- with a {$0.00} balance and NO PAST DUE STATUSES since the discharge. Additionally, this account seems to be reported accurately on my XXXX credit report.
Consumer complaint received 2022-01-27
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. (UT)

Equifax continues to keep comments about a dispute that never occured and continues to dispute my current student loan which I DID NOT DISPUTE NOW OR EVER!!!! I want those comments pertaining to a dispute removed and them to CEASE AND DESIST contacting my student loan lender! The account is with XXXX XXXX and on FOREBEARANCE! They recently sent me a report showing the comments again. I ran my report today and comments still remain! I knew they wouldn't correct an ERROR THEY MADE! If those comments are not removed and the actual status of my loan reported, I will send everything to civil court to file suit and will not warn or ask Equifax to correct this again. I'll sue for {>= $1,000,000} for the harm they've done over the years including, allowing my identity to be stolen for which my information is constantly being passed around on the dark web. I have the alerts I've received about that to include in the suit. Correct this to show my loan in forebearance or be sued! I won't hesitate or give you another opportunity to correct this. Consider this your last warning! Remove that XXXX & XXXX outdated inquiry too.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Paypal gave unauthorized refunds to XXXX  and XXXX  on my behalf, and now is trying to charge me for it as a negative paypal balance. These are gambling companies that never asked for a refund, but was just issued by paypal without my consent.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My credit score both XXXX and equifax was XXXX on XX/XX/XXXX it took a hit for 100 points the following week with no explanation. It is currently at XXXX much less than where it should be, at least XXXX. There is an erroneous entry in collections for XXXX staying on record until XXXX. XXXX caused this error, not me! Several months later and you still have not corrected this problem. I may have to file another complaint with the NYS Attorney General. I am a XXXX veteran.
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)

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  : account # N/A, account name XXXX : account # N/A, account name XXXX XXXX, account # XXXX, account name XXXX XXXX, account # N/A, account name XXXX XXXX XXXX, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WI)

In early XX/XX/2019 I filed for a mortgage modification due to being unemployed for a significant period of time. I was told I would be eligible for a loan modification. On XX/XX/2019 I received a letter denying the modification. I was told because I now make to much money. I have offered to repay {$32000.00} of {$39000.00} immediately and start making my mortgage payment with an additional {$800.00} until I am caught up with the payment. I was told that SLS did not have to allow me to setup a payment plan.
Consumer complaint received 2023-07-27
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. (IL)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Collection Agency : XXXX XXXX XXXX XXXX Original Balance {$620.00} Original Balance Accounts name : Original Creditor XXXXXXXX XXXX Reference Number XXXX Date Account Opened XX/XX/2018 Original Account Number XXXX Brand Name Indigo XXXX XXXX took by the company for nothing
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Hi On Friday  XX/XX/2019 I received a call from Home Depot/Citi Credit Services regarding fraudulent purchases made with a HD Credit Card to my name. At the moment I was on a cruise leaving XXXX and couldn't verify exactly the purchases listed by HD since they only gave me the item purchase amount and not the item description. In total there were 3 fraudulent purchases, one of which matched closely to a legally purchase made by me. So I reported the 2 others purchases and left the other one as is. 


Later on XX/XX/XXXX I spotted that this was indeed a fraudulent purchase and contact them about it. They told me they were going to open an investigation and on XX/XX/2019 I received a letter telling me I was responsible for it since I didn't identify the transactions. 

From what I could research, Legally, I have 60 days after receiving the erroneous bill to report the mistake to the Home Depot/Citi Credit Services. Both dates, the initial fraud call and the fraudulent billing statement fall within 60 days. I would like to know if you guys could help me resolve this issue. 

Thank you XXXX XXXX
Consumer complaint received 2023-07-27
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. (NC)

I have been trying to close on a house but it has been delayed because my lender is unable to generate my credit report from Experian because they have my name incorrectly in their system. I have called multiple times since XX/XX/2023 and every time Ive gotten a different answer, some saying that my report will be updated in XXXX business days to it will be corrected in XXXX hours and finally to just that now they cant access my account. My full legal name is XXXX XXXX and it has been since birth and the other XXXX bureaus XXXX and XXXX have my name correctly but Experian doesnt and will not correct it.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HOVG, LLC (TX)

I spoke to XXXX XXXX XXXX,XX/XX/2020/. She was completely rude. I paid a debt back in XXXX in which I did not validate the debt was mine but just wanted to do the things necessary to get a home. I found out they were reporting that I owe them so I called them up had a agreement that they would delete the item if I paid {$93.00} dollars. I paid the amount and move forward today when the originator repulled my credit for it still showing. I called today and speak to Ms. XXXX when I tell her about me paying for the debt to be deleted her attitude change. She told me that they NEVER delete them. I let her know that the representative must of misinformed me. She continues to say it was her that took the payment and that she wont be going back and forth with someone about {$93.00} collection and she was about to get off and didn't have time for that low amount of a debt thats already been paid. I asked her well since you wont remove it can you prove the debt is mine she continued you over talk me and bash me about the amount and how it was so small like it was beneath her to validate that the debt is actually mine if I just paid it instead of showing proof before I paid.
Consumer complaint received 2023-05-25
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. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened my new checking account in the CITI Bank on XX/XX/2023. I was trying to make a deposit, but it was not working. And then, I was trying to reset my password when my CITI online banking login was not working and contact customer service. They said my phone number was not working. They wanted me to get letter from them. On XX/XX/XXXX, I got the letter, and told them reference number, then they told me my account was closed out and they ended relationship with me. They didnt tell me reasons. I just made deposit for a few times, right now my money was locked into my bank account and I couldnt get them out.