davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (AZ)

I have two items on my credit report for XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I have not gotten any notices in regards to these two bills from either the original creditor and the collections company. I am also getting harassing phone calls and repetitive calls as well from multiple numbers. Voice mail is a automated recording playing as a employee leaving personal information on a voice mail when one is left. The item on my credit report should not be reporting as one its not mine and two my daughter had two medical insurances and they should have been charged to them. I want these removed from my credit reports as soon as possible.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 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 XXXXXX/XX/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: TD BANK US HOLDING COMPANY (CA)

" I am a victim of identity theft. Due to the XXXX XXXX XXXX we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

During XX/XX/2021 California EDD placed my initial disibility payments on a debit card issued by Bank of America. 

I was not able to access the funds. I called Bank of America and was told that there was suspected fraud and California EDD placed a hold on the card. 

I contacted California EDD and ws told that my claim was approved and that Bank of America should release my funds. 

I am currently receiving disability checks fro California EDD. 

I have conveyed this to Bank of America on several occasions but they are still refusing to unlock my card and release my funds which they are continuing to make a profit from Please investigate.
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: OneMain Finance Corporation (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2017-07-30
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. (GA)

XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.
Consumer complaint received 2018-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I hold a business account with PayPal. My husband regularly sends me payments from his PayPal account and each time he does, the money is " pending '' and takes a couple days to be available in my PayPal account. Mind you, I have had this business account with PayPal for over a year and am a well established user. 

My husband sent me an E Check payment of {$60.00} from his PayPal account on Wednesday   XX/XX/18 at XXXX PDT. Today is XX/XX/18 XXXX XXXX and the transaction is still showing as pending in my PayPal account with the funds being held by PayPal . I checked my bank activity through XXXX XXXX XXXX, which is where the E Check payment was sent from and saw that the payment cleared on Thursday  XX/XX/18, one day after they original payment was sent. I contacted PayPal and was told by a representative that the money was not showing as cleared on their end and therefore it could not be released until XX/XX/XXXX. I asked to speak with a supervisor. While I was on hold with PayPal I connected through online chat to my bank at XXXX XXXX XXXX. I told the bank representative the situation and she assured me that the {$60.00} had in fact cleared the bank and should have already been accepted and received by PayPal. I then told the PayPal supervisor this information provided to me by XXXX XXXX XXXX and he told me that there was nothing that could be done. I then asked to speak to that supervisor 's direct supervisor and he told me that he would connect me and put me on hold. I then spent over 40 minutes on hold with PayPal. After being on hold for almost an hour and 20 minutes I then hung up. I also logged into my PayPal account and clicked on the pending transaction to open a dispute. An error popped up saying " We're unable to file a case on this transaction. Since this is money you've received, you'll need to contact the sender directly to resolve your issue. '' So I haven't received the money even though my bank has confirmed that it has cleared the account and that PayPal collected the funds and they refuse to release the money and then keep me on hold for an hour instead of transferring me to the supervisor and I can't even file a dispute? I even did research on the PayPal website to see their guidelines regarding ACH payments and there is no information on why they would continue to hold a payment after it has cleared a bank account. All I have to say is WOW! I do business with XXXX and they NEVER do anything like this. I feel completely taken advantage of and will never do business through PayPal again. I will also be filing a complaint with the XXXX XXXX XXXX.
Consumer complaint received 2018-09-29
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. (TN)

On XX/XX/ I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major XXXX XXXX XXXX, I am at a lost of how to resolve this issue as this theft has ruin my life.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (GA)

In XXXX, I attended XXXX XXXX  and left early due being mislead by the program. In XXXX, I filed Student Borrower 's Defense with the Federal Government against XXXX XXXX  to have my student loans that I received from XXXX to be discharged due to their misrepresentation of the school. 
In XX/XX/XXXX, I received notification that Account Control Technology was added to my credit report as a collection. I was never notified from Account Control Technology so that I could dispute the debt or request debt validation. This debt is also from XXXX, and they have re-aged the debt to reflect opened as of XX/XX/XXXX Account Control Technology stated that they were sent over information from XXXX regarding a mailing address that they mailed all correspondence to. When I attended XXXX XXXX, I always received correspondence through email because that was my preferred method of communication. I NEVER received any mail through the physical address because we NEVER received mail at this location, we always received mail at our po box . When I called today, XX/XX/XXXX, a representative told me that it did not matter when I submit a dispute on the account. I informed the representative that evidently it does matter when I dispute the account, because since I was never given the 30 days to dispute the account that now it is on my credit report. When I called this company, I I went over the issues pertaining to them illegally placing this on my credit report without properly giving me the chance to respond. When I requested the copies of the correspondence to which they claim they sent to the wrong address, they have failed to do so.
Consumer complaint received 2022-05-31
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. (NY)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-18
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. (FL)

Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

This is a charged off account reporting with a balance the IRS Clearly defines a charge off as Gross or Ordinary income, and Income doesn't get Reported on the Consumer Reports which in facts makes your reporting of this account inaccurate
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Hello, so starting on XXXX XXXX my mortgage payments started to not get applied to the regular payments. I reached out to Mr. Cooper and I was told that I had hazard insurance force placed on my account which was odd because I already have active insurance with XXXX XXXX XXXX. I also reached out to my insurance company and they didn't understand why either, so I called Mr. Coopers insurance company and they said it was updating in the system and told me to upload the insurance into their website which I then did. I was told everything will be takin care of. So come XXXX when I am at the end of my refinancing process when I receive the Payoff its stating I owe 2 months worth of interest payments and fees billed totaling around XXXX. I new this was not right so I went back to contacting Mr. Cooper and the insurance for Mr. Cooper and they both gave me the run around. The force placed insurance caused me to have to extend my refinance into the end of XXXX, I was unable to pay the regular mortgage payments on time because they were not getting applied correctly which caused more and more fees. I've had this loan for 2 yrs and never missed a payment until the hazard insurance was force placed. Please check out this issue as soon as possible. Thanks!
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX XXXX, am filing a bank fraud complaint for JP Morgan Chase Bank from my checking accounts. 

On XX/XX/20, I mailed a check to pay property tax. I dropped a check for {$6200.00} through USPS ' blue mailbox on the side of the street in the zip code area XXXX. A few months later, I received a letter from townhall about a missing property tax payment. I reached out to Chase and they showed me a check was paid to XXXX  XXXX XXXX to XXXX XXXX XXXX 's personal account. The mail thief stole my mail, changed the check 's payable name to XXXX XXXX XXXX and deposited the check to the theft account. 

I filed a dispute to Chase but they refused to pay back my stolen funds despite my repeated efforts for 2 years. If a check was modified, the initial and date is required, Chase should not have released my funds without proper procedure. 

I beg to inform this transaction was not carried out by me in any form. Please kindly look into this matter and guide me through the best possible solution to recover my hard-earned savings. 

Email : XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. TransUnion is reporting an account with XXXX XXXX on my credit report. While the burden of proof lies with XXXX XXXX XXXX TransUnion, I have issued an Affadavit of Fact & Identity Theft report ( attached ) of which neither XXXX XXXX  nor TransUnion have provided rebuttal. If TransUnion maintains my Affadavit of Fact & Identity Theft report are fraudulent, I have provided an Affadavit of Fact in rebuttal ( attached ) to be signed by TransUnion.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

OU HAVE VIOLATED FCRA 15 U.S. CODE 1681S2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE & ( FDCPA 15 U.S. CODE? 1692E.FALSE OR MISLEADING REPRESENTATIONS ) YOU ALLOWED THIS DEBT COLLECTOR TO VIOLATE MY RIGHT. I ALREADY DISPUTED THESE INACCURATE ITEMS OVER 35 DAYS AGO AND YOU HAVENT NOTATED IT AS DISPUTED!!
Consumer complaint received 2022-05-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (MD)

Pentagon Federal Credit Union. The phone system was recently redone and it the only way to get a person now is to use option 5 that says " to become a new member press 5 ''. 
I talked to XXXX on XXXX and asked for a supervisor and got XXXX who said the voice prompt # 5 says to speak to someone press 5 and hung up. The prompt is for new members, I called back to verify this. I was on the call from XXXX until XXXX and didn't want to spend another hour and five minutes with them. Can someone bring this to there attention. They say there calls are recorded so the call should be on file. 
The number that I am calling is the main number. XXXX
Consumer complaint received 2022-05-31
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: OneMain Finance Corporation (MI)

In accordance with the fair credit reporting act One Main Financial Account # XXXX, 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 account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX  XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2022-05-31
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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.
Consumer complaint received 2022-05-31
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
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 belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX was placed on my credit report on XX/XX/2021. If I allegedly did business can they prove that I made payments on XX/XX/2021 when I never made payment to them on XXXX. Also on Experian it considered a negative account that I never made payment on XX/XX/2021.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX