davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (NV)

Third Party Debt Collector : PAYLIANCE Original Creditor : XXXX Transaction Date : XX/XX/2023 Amount XXXX Type of Transaction is a Check I don't know what this is : The original creditor is XXXX, an online Horse Racing Company. I have never bet on horses and I have never even heard of this company until now when a got a notification from XXXX XXXX that PAYLIANCE reported this on my credit. This a a fraud. It is apparent that XXXX neglected to do their due diligence. I have NEVER written a check to this company!
Consumer complaint received 2024-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Urgent Complaint : Failure to Reactivate Account - XXXX XXXX XXXX # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Citibank regarding their failure to reactivate my account despite numerous attempts on my part. My savings account holds {$18000.00}, and my checking account holds {$6000.00}. 

I submitted an authorized letter on XX/XX/year>2024, detailing my situation as per Citibank 's request. Since then, I've reached out daily for updates but received no response or progress. This lack of communication and action has caused significant financial hardship and distress. 

I urge you to investigate this matter promptly to ensure Citibank fulfills its obligations to its customers.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. XXXX, XXXX, and Equifax are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

XXXX XXXX file number XXXX EQUIFAX XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (AL)

I received a letter from XXXX XXXX XXXX threaten to sue me over an alleged debt and I don't have a contract with them and I have never did business with this company at all. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that they are reporting the account accurately? What is the name of the person in their company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 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 account must be deleted from my report. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2022-12-18
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. (NC)

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement.

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove these accounts ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-05-31
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove these accounts ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

Previous complaint, XXXX has been left unattended for weeks. 

After complying with the demands of Ally 's Fraud Prevention to upload identity verifying documents, I was told clearly that I would receive further communication within 3 business days. 

This never happened. 

Eventually, i would call Ally to inquire about the upload, if any determination had been made, or if there was any information I could offer them. 

They indicated that they did not know any of this, but would notify the relevant department that I had contacted Ally, leaving the message that the understood time had gone by and I had started to become concerned. 

I do not know if that message was ever passed along. 

Today is XX/XX/17, and almost an entire month has gone by that I have not been able to access the money in my Ally Checking account. I have complied with all requests they have made of me and have been met with lack of information and inaction. 
I will have received two months of full time salary employment wages via direct deposit to that account that I have been not able to access during this time. 

At no point has Ally initiated contact with me.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently made a XXXX cashout due to separation of my previous job, I received a check issued from Bank Of America a little bit over {$30000.00} and was going to use that for my sons medical expenses he has XXXX. On XXXX I went to Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked to cash this check issued from them. They were rude and did not allow me to cash the check which was issued by their own institution and told me since I was not a Bank of AMerica customer they could not cash it. So now my sons medical procedures and expenses are on hold due to this. I spoke to a XXXX XXXX who was rude and told him I would be making a complaint, he continued to be rude and said go right ahead! This is the worst customer service I have received ever and they refuse to cash my check which was issued by them! 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is engaging in fraudulent activity when consumers apply for their credit cards. In XX/XX/XXXX I applied for the Bank of America XXXX  Signature credit card and was not approved. However, Bank of America automatically approved me for the Bank of America XXXX Platinum Plus card. This is an entirely different product with a different annual fee and different features. At no point in time did I apply for this card, nevertheless Bank of America opened it in my name and it appears on my credit report.
Consumer complaint received 2022-12-17
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. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2020-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

According to Fair Credit Reporting Act, credit reporting companies have 30 days to investigate credit file disputes by consumers. Experian has had more than 60 days. I sent in a dispute letter to Experian dated XX/XX/2020 for this item and other collection items on my credit report and its been over 60 days and Experian has not responded to my disputes on most of them. This one, however, Experian did respond stating this XXXX, XXXX, {$2500.00} medical bill has been removed. Yet, it remains on my credit report. Please have Experian permanently removed from my credit files, immediately as it has seriously hampered my ability to acquire credit to better take care of my family. Being a XXXX military veteran only adds to my challenges in fixing my credit!
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I have received two letters now, addressed to my daughter who is a minor, stating that she owes {$2500.00} in what appears to be back rent in another town that we have never lived in. My XXXX XXXX XXXX XXXX was born at the current address we live..in a mobile home that we own and has lived here since birth. The supposed back rent is from I assume an apartment complex approx XXXX minutes from where we live. The debt collector is FCO ( Fair Collections & Outsourcing ). This is obviously a case of mistaken identify or fraud. I have read on the XXXX site that this company will threaten to report fraudulent debts to peoples credit reports in an attempt to collect money from them. I have not attempted to contact this company yet because Im afraid that they will then get my information and attempt to report this debt on my credit report since my daughters is a minor.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

I do n't understand how wells fargo allowed someone to rob my savings account. every day.Someone was going to wells fargo ATM in Florida getting taking {$300.00} out everyday starting on the XX/XX/XXXX antil XX/XX/XXXX 2017.also someone was checking account balance in XXXX NC and tried to take out {$400.00} and {$300.00} and {$100.00} in the XXXX NC as well as someone taking money out in Florida. Someone manually keyed Credit card in at a XXXX XXXX XXXX in XXXX XXXX area, I did a fraud claim with the ATM card service nothing has been done. Some one from the Attorney General need to go into that Bank and take over and do a internal investigation. I have seen plenty different face that work there and then leave. please have the FBI go into that location XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I had an account with PayPal for selling a variety of products, after almost 10 years of opening my account and giving them my business, PayPal decided to shut down my account with no explanation, in the email received it stated that I will receive back the funds in my PayPal balance within 180 days, its been almost a whole year and the funds where never deposited in my bank account, I was lied to by the company. When I called them I asked if the money went towards refunding any buyers and they said no that the company PayPal simply decided to take my funds away. My money kept in their platform was stolen away by them. I kept funds in PayPal, used it as a wallet and put all my trust in this company to make online purchases among other things. PayPal Holdings , Inc ( XXXX XXXX, California, United States ) has taken advantage of their business model to unjustly steal money from users including my money. There has been many times where I was wrongly charged-back for items that I delivered successfully, even with proof PayPal was never of any help. Their company is tyrannizing and using their power to take advantage of their users in the worst way possible by stealing their money with no explanation. I demand a full refund/return of my money. I have done nothing wrong but be a customer for almost 10 years. The amount PayPal has stolen from my account is {$1200.00}. I will not stop until this is resolved, the company has shown to be untrustworthy and I will not let this happen to me or anyone else.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am disputing the original claim i submitted to XXXX about the XXXX account on my report. I did not receive any verification from you that showed my consent, or any authorization with my signature. Please verify the validity of this account and furnish how the account was verified.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2019-11-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/31 I received a voice mail from a man that never stated what company he was with and threatened legal action. A few minutes later my father called and said my mother received the same voice mailx then the receptionist at work came in my office saying the same thing. I called the number back and the lady that answered would not give me a name of the company she was with. She stated my case was being processed to file suit against me on behalf of Ace Cash Express. She gave me an outrageous amount yet gave me an offer to settle out of court. 
She stated that once it was filed I " would be located and prosecuted ''. This intimidation and calling my family and work is beyond unacceptable.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

This is a complain against Ocwen Loan Servicing. Ocwen transferred my loan balance to XXXX and failed to supply the correct insurance information to the new lein holder - XXXX. In addition even though an escrow account had previously been established by Ocwen to pay the annual insurance premium, Ocwen instructed XXXX that no Escrow account was in place to pay for the insurance.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (CA)

I took a call from Premier Holdings about a XXXX XXXX XXXX loan I took in 2007. They said they are calling me because they sent a notice to me but it was sent back to them, which would be false because I never got it in the first place! 

I have paid this debt in full but they are saying I owed over {$1300.00} still but they were willing to settle the matter today for {$650.00}. They said that if I did not pay today they would take me to court and have my wages garnished. I told them to prove to me I did not pay it and supply documentation. What they supplied to me was a copy of the loan document with the truth in lending disclosure that I signed when I got the loan. 

I contacted XXXX XXXX to verify the legitimacy of the debt and after talking with several people at XXXX XXXX they agree there is no debt owed by me and they do not show where they have sold any debt I had to anyone. They too were concerned that someone is trying to collect on a debt that is over 12 years old paid or not.

It is my understanding that in both the state of California and the state of Texas, collection companies can not collect on debts older than 4 years old which makes me scratch my head as well. However this is not the case in my situation. My debt was paid, and they have been unable to provide any type of proof of written collection efforts.