davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear XXXX, I found your email on site as I can not get anyone on the phone or XXXX  chat. 

I am writing for assistance with a mistake my husband made paying my card ( old account ). This happened back several years ago Case XXXX, for which I have attached the resolution letter. 

In essence, my husband who pays our bills, pays them online, and posted the payment due on my account to a closed account of ours, another BOA account, totally by mistake. 

I contacted BOA when I received notice the bill was late. I told them it was paid, according to my husband. BOA found that it had been posted, yet to an old, closed account, instead of mine. 

They fixed it and posted to mine. 

However, it has been reported on my credit bureau accounts, all 3, as a delinquency and continues to be reported as such. It really is misrepresenting the situation. 

I was in contact with BOA during the time that this mistake was being researched and they assured me that they would address this issue with the credit bureaus, as I was very concerned about its impact upon me. 

Here I am, nearly 2.5 years later learning it is still out there being reported as a delinquency. 

I am therefore appealing to you for assistance and asking AGAIN for a goodwill adjustment, and having it taken off my credit report. 

If you can not help, can you please provide me assistance with how I can contact someone who can? I am a good customer. 

Attachment : BOA letter Sincerely, XXXX XXXX
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NJ)

On XX/XX/XXXX I received a very threatening collection letter in the mail claiming that I owe XXXX {$550.00}. I owe XXXX {$0.00}. I have attempted to investigate this matter with XXXX six times since yesterday, but I have not received meaningful contact from XXXX. I was also on hold with the XXXX Collection Department for ninety ( 90 ) minutes today. The attached letter is an attempt to scare me as a senior citizen into paying for something I do not owe. Also, IF I owed anything to XXXX, I would have been notified directly by the company first. Finally, XXXX issued me a refund of {$49.00} on XX/XX/XXXX for a balance on my CLOSED account that XXXX owed me. 
The attached threatening letter has upset me greatly and caused my husband and I unnecessary and unwarranted XXXX  and XXXX. PLEASE HELP ME.
Consumer complaint received 2020-09-29
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: Receivable Solutions, Inc. (SC)

XX/XX/2019 I began repairing my credit while doing so I found many inaccurate accounts listed from XXXX XXXX. I contacted all three credit bureaus to dispute the items that were listed that had been sent to Receivable Solutions and Receivable Management, the item came back verified from XXXX  which I new was correct I then reached back out to XXXX XXXX to have them send me over proof that the items were mine which resulted in them finding that the accounts in fact did not belong to me. I contacted the collection agency to request that the items be removed and nothing has happened. I have also contacted XXXX  to have several disputes done and again nothing has been removed. I have been denied credit due to these situation and would like to have it corrected immediately.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

Used coupon code when opening account. XXXX XXXX XXXX XXXX Terms : For new Chase savings customers : Open a new Chase SavingsSM XXXX, deposit a total of {$15000.00} or more in new money within 30 days of coupon enrollment, and maintain a {$15000.00} balance for 90 days from coupon enrollment. 

No bonus paid as of XX/XX/24. Called today and transferred to XXXX different departments. Told me to generate a new code but instructions given did not work. They apologized but could not help unless I generated a new code
Consumer complaint received 2022-11-07
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. (PA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I submitted a payment through Homedepot.com for my monthly balance. The due date was XX/XX/10 and the amount {$65.00}. On XX/XX/XXXX I received a letter that the payment was rejected. I called to find out why the payment was rejected. The first XXXX said she could not help and I was transferred to customer servce. They said theyd issue a credit for late charges but could not tell why it was rejected but I should speak with my Bank. I phoned my Bank, they had no record of an attempted payment. On XXXX I received another letter further explaining why the payment was rejected. I was asked to validate the routing and account number. This is an old routing and account that had been removed years ago from the account. I wrote to Home Depot online as my experience on the phone was unhelpful. After At least five or more back and forth where I was provided canned emails with no explanation I was told these could not be done in writing and Id have to call. I will not call and go through that experience again.
Consumer complaint received 2024-02-23
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. (GA)

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX  -XXXX XXXX XXXX XXXX  5 INQUIRIES -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

To whom it may concern, XX/XX/2020 My name is XXXX XXXX. In XX/XX/2020 I opened an account with XXXX XXXX XXXX for a spending limit of {$300.00} and monthly payments of {$30.00}. In XXXX of 2020 I attempted to make a payment using my personal XXXX card. The payment was initially rejected and my account was temporarily suspended. 
I contacted customer service to inquire about this issue and was informed that I needed to submit documentation to prove that the XXXX account belonged to me. I submitted all required documentation as requested along with picture identification. I attempted to use my XXXX XXXX card a short time later and my Card was still suspended. I contacted customer service again to inform them that I still was not able to use my credit card and to inform them that I submitted all documentation as requested. I was informed that my documents were received but I was not provided with an explanation as to why my card was not unlocked. I spoke with several costumer service representatives and neither of them were able to provide me with an accurate answer or solution to my problem. 
In XX/XX/2020 I received a notification from my XXXX XXXX account that my credit card account with XXXX XXXX XXXX  had been closed and was charged off as bad credit. I contacted XXXX XXXX again in an attempt to get answers and to correct this issue but again with no avail. As evident by my credit report, all of my payments were made on time and my status with XXXX XXXX XXXX  was in good standing at the time my account was closed. However, even after the suspension of my card and the closure of my account by XXXX XXXX XXXX, I continued to receive billing statements and I continued to make payments directly to XXXX  XXXX XXXX. All of these payments were accepted and posted to my account. I have spoken with several individuals on numerous occasions at XXXX XXXX XXXX  and no one has been knowledgeable enough to help me resolve this issue due to an error on their behalf. I informed XXXX XXXX that their error and refusal to correct it has had a negative impact on my credit score. The final response I received from A XXXX  XXXX specialist was, I am sorry its nothing we can do. 
In addition, I never received a formal written notice from XXXX XXXX XXXX  to inform me of the suspension/closure or charge off of my credit account. 
With my account being charged off as bad credit, although it is evident by my credit report that I was in good standing, this has had a negative impact on my credit score. My last payment was made directly to XXXX XXXX XXXX on XX/XX/2020. Again this payment was accepted and posted. 
I am requesting your full investigation into this matter and will provide you with any documents necessary to assist you. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-09-29
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: CORELOGIC INC (NC)

I recently sent a letter to CoreLogic requesting that they place a security freeze on my CoreLogic credit report they sent me a letter back essentially saying that they are the affiliate of purchaser report data gave by the XXXX  XXXX XXXX announcing organizations. So accordingly they couldn't put a stop on my CoreLogic credit report. Yet, I realize they play security freezes since I set a security freeze with them commonly previously.
Consumer complaint received 2022-11-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-07
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX 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 2022-11-07
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: CITIBANK, N.A. (AZ)

Saturday night I got a email stating a Lender had checked my credit. I reached out to my lender and asked if they pulled my credit under a name CBNA and he said they have not ran my credit yet and does not know who this company is. My identity was compromised last year so Im not sure what this is all about. I need this to be removed from my account!
Consumer complaint received 2020-09-29
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. (OH)

A auto account was opened without my knowledge. I have ttied to fix the problem numerous time. With that being said under the many rights were violated under FCRA such as but not limited to, Defamation, financial injury US Court of Appeals, XXXX  Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 & FCRA Section 604 ( A ) ( 3 ). Attached will be multiple documents in order to substantiate my claim.
Consumer complaint received 2020-09-29
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. (IL)

The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary
Consumer complaint received 2020-09-29
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: CORELOGIC INC (NC)

I previously sent a letter to CoreLogic asking them to place a security freeze on my CoreLogic credit report they sent me a letter back basically saying that they are the reseller of consumer report information provided by the three National Consumer reporting agencies. So therefore they were not able to place a freeze on my CoreLogic credit report. But I know they play security freezes because I placed a security freeze with them many times before.
Consumer complaint received 2020-09-29
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. (IL)

The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NV)

On Sunday XX/XX/XXXX I reported a numerous XXXX unauthorized transactions that I had no knowledge of. As doing so I told Venmo if they could activate a stop pay against the merchant and if they could deactivate my current debit card on file and send me an immediate XXXX  because just around the end of XXXX I had moved to XXXX XXXX, NV. During this time of multiple moves back and forth, figuring new accounts and transfers online and what not I'm not sure how my information may have gotten out to a merchant called " XXXX ''. As I mentioned before I did every in due diligence to report this matter and I was treated like a criminal.. XXXX days later on XXXX the XXXX, I got a letter stating around XXXX of the transactions were approved for refund and the other XXXX or so transactions were denied. There are so many transactions because " XXXX '' was taking multiple amounts even the same day! Different amounts and transactions and getting my work pay checks and other bonuses through the same account I was able to see in real time some of the transactions until recently when I stopped working due to a car accident on XX/XX/XXXX and I stopped officially working XX/XX/XXXX so its been under XXXX weeks and I caught these transactions! so back to Tuesday XX/XX/XXXX, I recieved that majority of the disputes were denied and a few were refundable, of course only receiving XXXX XXXX of your money back was a disappointment and I felt like contacting the Venmo accounts specialty team to discuss a appeal and to further investigate and they denied me because they need additional documentation? As primary holder I sent a call log I had from XXXX stating I had no business with that merchant, they never contacted the merchant themselves directly, and they continued to deny my appeal and disputes. XXXX mins later they suspended my account, froze my money in my account, and they didnt refund the processing claims that were approved for refund ... this is wrong as a loyal customer. I have had a similar situation like this before with XXXX XXXX  XXXX years ago and they were proven to be breaking the same exact structural procedures for these matters and the fact that as a full time Lyft driver, who pays their taxes and fees on just about everything to not have access to this account with my money sitting their is stressful and hair pulling. I need help again from a expert agency like you guys. This is not fair to hard american worker who is killing himself financially to make ends meet.
Consumer complaint received 2023-01-06
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: Bread Financial Holdings, Inc. (OH)

I got an alert on my credit report that my address has been changed and a XXXX credit card was used to make {$3600.00} in purchases from online that I never spent. The bank wouldnt give me any information. They did give me a phone number associated with my credit card and an email address that was changed using their website. Someone has my social security number and logged into my account changing all of my information to make these purchases. I never received a bill nor did I make purchases. I filed a police report and sent it to the bank. They still said it was my debt! I need help. Someone has my social security number
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report.

2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the XXXX data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt from my credit report.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NC)

AMSHER COLLECTION SERVICES are attempting to collect on an account that I have no knowledge of. In have never received a written notice or otherwise regarding this matter. Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, my rights as a consumer have been violated under the law. 

I was never given the opportunity to dispute and or request verification of this alleged debt. The original creditor is : XXXX XXXX XXXX XXXX ... .in the amount of {$200.00}
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

my mom and her XXXX XXXX dude XXXX along with multiple other family members have collected my trust sgares i was intitled to not to mention my mother cashed in my birth certificate bond. i git bank note to prove that aswell. along with a number of other frwudulent crimes in my name. they used XXXX, paypal, and XXXX XXXX, and XXXXXXXX XXXX to do the crime
Consumer complaint received 2020-08-05
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX $ XXXX XXXX XXXX {$280.00}