davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

Hi, I have been using PayPal service for almost 2 years but suddenly my account was permanently limited saying that I have violated their policy which is not clear to me because they refuse to give any specific violation imposed on my account. The money I received is purely from an online business ... and I am not selling physical products, I only sell XXXX  products which is delivered via email. 

My customers use to pay or buy using PayPal since it is convenient using their service, in other words, me and my clients use it as a payment method and I have responded my clients in a timely manner whenever they ask for a refund because they don't like the service. 

Now my business is slowly losing sales and it is a huge loss for me as a business owner and that is the main reason why I file a complaint in your firm, since I have heard that you have solved a lot of problems like this and many clients are happy for your service because they are able to restore their account from being permanently limited and continue to do business. 

I hope you can help me with this problem. Thank you.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get omitted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX IN Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021 2021
Consumer complaint received 2020-03-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

My husband and I have a joint checking and savings account with PNC Bank. My name is also on my son 's account at the same bank. On XX/XX/XXXX the bank took all the money from my husband and my joint savings account to cover an overdraft in my son 's account. We had no warning this was going to happen, they just took it. When I discovered the situation we contacted the bank and were told they could take the money from our account just because my name was on both accounts. I am not allowed to remove my name from my son 's account either. He lives in California and we live in Maryland. I don't feel they should have been able to take the money from an account that had my husbands name on it as well and not connected to my sons, other than being at the same bank. The bank response was oh well. The amount was significant, {$800.00}. IT completely wiped out our savings account. Why would you continue to cover my sons overcharges, don't pay them!!! Taking the money from our joint account doesn't teach him anything, especially when we have no control over it!
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NC)

I spoke with Comenity Bank on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from XXXX XXXX XXXX stating that there was a balance of {$240.00} being reported by Comenity Bank. I contacted Comenity Bank on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to Comenity Bank, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact XXXX XXXX to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC. (FL)

XXXX XXXX XXXX garnished 25 % of my bi-weekly paycheck. Starting XXXX, totaling {$1500.00} They were represented by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never informed of intent to garnish the debt by the agency. I was informed of the garnishment by my job 's payroll department a week before the first disbursement. Copies of court papers and all other documents were furnished to me after the garnishment started. The agency delivered court papers to my old address unbeknown to me. When I did not respond to the courts due to no knowledge of the case, they were awarded the garnishment. I contacted the collection agency by phone to dispute the debt in XXXX of XXXX the lady on the phone said it was for a credit card with XXXX Bank back in 2007. I told her I never own that card or knew anything of it. She state the garnishment will be placed on hold pending further investigation. This did not happen, they continued the collection. After that I made numerous phone calls to their office in XXXX over a period of time, each time I was placed on extended hold time. Eventually the calls would be dropped. Finally when I got someone to talk with, I was told the person handling my case does not discuss ongoing cases. I continued to call only for each person being deceptive. They used the courts in a deceptive manner to garnish my wages.
Consumer complaint received 2020-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Complete Credit Solutions, Inc. (MD)

I returned home after 5 months in the hospital having my XXXX XXXX XXXX XXXX XXXX. I am XXXX and have a excellent re payment history. One day I received a call from a company named XXXX XXXX saying I was late on a monthly payment that was deposited into my credit union account.I called my bank and they said I owed them for someone trying to take out money that I new was not there because i get one XXXX check a month.I went and got a police report, but the said the don't take numbers over the phone. I got a credit Report alert, that i have a collection hit, Now I'm stuck paying {$1500.00} a month rent the rest of my life, because all lenders say I have to make this go away before I cane move forward. Help if you can.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (MI)

XX/XX/2018 I bought a saxophone for my son with a insurance, in XX/XX/XXXXhe started a lesson, but we discovered that the saxophone was not working, and I want to buy another one better, I call the company and they said I have to fine a claim, they said they will contact me, after several days I received another saxophone, I called them right way and said I did not want another I want to buy a diferente one they said I have to return the one I just got and then once the credit was in my account I could buy another one, but no instruction how to procede with the broken one,, in XX/XX/XXXXthey send me a email saying that o own a balance I talked with them and asked if they send me a box and label o will send back, I was so upset, they never send a return label, and then they send me to collection I called the place I bought because I never received a label, after while the company I bought the saxophone Said sorry and agree to the return, and they will take my name from debit collection. But that never happen, so I return the 2 saxophone and my name still on debit collection. This problem has been carried for almost a 18 months I have proof of email and tracking the everything f has been returned and more the company name is Caine & Weiner XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

This all began when there was a movement from XXXX  XXXX XXXX to SLS for our HELOC. During this time, it seems that BoA misplaced the payment I made XX/XX/XXXX, and when the loan moved to SLS  on XX/XX/XXXX, there was a huge confusion about the statement amount, as my payment did not register with SLS. 

A lot of back and forth, I called SLS and they told me to make half payment to keep my account current. After making that half payment, I was told I was under foreclosure notice. I finally just made the other payment while still investigating the missing payment, and then the fee of {$0.00} was added. I can only pay in {$1.00} increments, so I had to pay {$1.00}. 

Then another {$15.00} was added. I inquired what this payment was, and they said it was due to the {$15.00} fee adjustment that is made when " someone comes out to see the property '' when under foreclosure notice. 

I then paid this fee. 

Later, I did not see this fee disappear, and was later told that this payment was added to the principal, as there is no way to apply the payment to the fee unless specifically noted. There is no way to pay to the fee online, as it automatically adds to the principal. 

This seems predatory, as had I not checked, then I would still be " in the red '' perpetually. This company which has millions of dollars, can not fix their website to be able to pay to the fee?
Consumer complaint received 2023-05-25
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. (DC)

I have been a victim of Identity theft while XXXX, XXXX and TransUnion is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed IMMEDIATELY!!!
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

( name and address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. I spoke with company XXXX Lexington Law on XXXX to cancel withdrawal of {$130.00} they waited until XX/XX/XXXX putting my XXXX XXXX account ( # XXXX ) putting my SSI account into overdraft .after I told them not to and they agreed. They did what they were supposed to protect me from.in my haste I didnt get a reference number.
Consumer complaint received 2020-03-16
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. (NY)

To Whom It May Concern : I reached out to the following companies and submitted documentation of the following : Paid in full- XXXX  XXXX Account is requested to be removed Based on companys request. ( XXXX XXXX/XXXX  XXXX  ) Balance/account paid- XXXX XXXX XXXX XXXX/XXXX  account fraudulent account. 

I reached out to XXXX, XXXX  and Experian and supplied appropriate and supporting documentation. Letters from each company requesting items to be removed and items paid. To date, they keep saying account verified. How can this be verified when the I have letters showing account paid.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MD)

XX/XX/2020 - Contacted PHH Mortgage due to incorrect status of 2nd loan, home equity loan, closed with outstanding balance.My credit score now dropped by a lot. I further advised this is a active account with not late payments payments XX/XX/2020 - Called back PHH, per their request provided XXXX XXXX credit report noting Closed Account. sent by fax # XXXX XX/XX/2020 - Called PHH to check status advised I would received a email in response to my concern.Was to re-fax information to XXXX XX/XX/2020 - Requested to send information again via fax # XXXX XX/XX/2020 - Called PHH to follow up again asked to re-fax same information to them along with my full credit report. I declined. I stated the 2nd loan home equity should remain as a open account, same as the 1st loan. I also asked why they call my home but do not leave a message. Too many fax of info and calls with no results. 

XX/XX/2020 - Still waiting for feedback ( email as promised ) from PHH
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2020-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

This is a fraudulent charge that was taken care of with all 3 credit Bureaus YEARS AND YEARS AGO! And was very time consuming and an extreme nuisance!!! I have already had this taken care of! Now this random 3rd party collector has revived it again! I demand it be removed immediately, because this time I will just sue, for the inconvenience. I'm not going through this again, its fraudulent and has been added to my identity theft report with http : //www.identitytheft.gov/ ( Originally XXXX  )
Consumer complaint received 2020-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (NY)

Attempted to open a " Simple Account '' account XX/XX/2020. Without explanation -- was declined ( note this is not a credit product, nor would my credit be an issue ). Very weird. I've read Simple discriminates against permanent residents, but I am a citizen. Unaware of anything that would cause KYC issues. No issues with my XXXX. No method of escalation is apparently available.
Consumer complaint received 2024-02-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OR)

Someone used my name to open an account at XXXX XXXX XXXX  and ran up a XXXX bill that went to collection in XXXX Texas. They had XXXX address and I live in XXXX Oregon all my life ( XXXX  years ) and have never even been to Texas.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please DELETE the account ASAP : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX  has inaccurate information regarding a checking g account I use to have with BB & T 4 years ago. 
Ive talked to them and sent all the documents that show proof. XXXX   reported : suspected fraud activity on my old BB & T checking account which is completely false. 
This is consider SLANDER in America!! 
They need to take this inaccurate information off my credit report IMMEDIATELY! 
What can I do? 
Thanks