davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (SC)

Rise Credit under the name XXXX XXXX XXXX sent dated XX/XX/2022 trying to collect a debt for a total of {$4000.00} which is a misrepresentation because you can't pay on a positive balance. They have willfully violated several laws. 
Fact 1. They are committing Identity Theft using pursuant to 15 USC 1681c-1 Fact 2. They are causing harm to my reputation by reporting inaccurate information on to my consumer reports pursuant to 15 USC 1692d ( 1 ) Fact 3. They are showing false representation implicating that I owe on a positive balance Pursuant to 15 USC 1692e ( 2 ) ( A ) Fact 4. False and deceptive means using to collect an alleged debt stating " Take Advantge of These Great Offers '' 15 USC 1692e ( 10 ) Fact 5. False and deceptive using another business name " Real Time Resolutions '' and " Rise Credit of South Carolina '', 15 USC 1692e ( 14 ) Fact 6. Under 15 USC 1692b ( 5 ) not use any symbol or language on an envelope or in the contents by the mails or telegram that indicates that the debt collector is in the business of collecting debt. They display a logo XXXX XXXX XXXX and in the contents is states that " this is an attempt to collect a debt. ''
Consumer complaint received 2022-03-23
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account : XXXX, XXXX 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
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I've sent numerous letters to all the bureaus to fix incorrect information on my credit report and they have not responded. It has been more than a few months. I would like all the incorrect information removed immediately.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly examine the attached documents. I urge the bureau to start an investigation into these accounts, as they erroneously label me as late, which is not the case.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX I enrolled in Account Assure, an account protection program for my Express Next Card issued through Comenity Bank. The fee for Account Assure is {$1.00} per {$100.00} of my monthly statement balance. Per the Account Assure Terms and Conditions the program is an optional addendum to the Credit Card Agreement for my Express  Card. Eligibility Requirements state that subject to the Terms and Conditions I as the primary cardholder may be eligible for an involuntary unemployment benefit. Accordingly to be eligible I must have experienced an involuntary unemployment for at least 30 consecutive days from the Date of Loss, including the Date of Loss. Furthermore, in the event of involuntary loss of Permanent Full-Time Employment I must have been engaged in Permanent Full-Time Employment on the Date of Loss. In addition, my loss of XXXX XXXX must be due to Involuntary Termination. As such, my employer must have been required to make contributions for my employment to the state unemployment insurance fund. On XX/XX/XXXX I became involuntary unemployed from my employer due to the economic impact of COVID19. Based on this eligibility I filed a benefit request for involuntary unemployment with Account Assure on XX/XX/XXXX. After filing this request I received a benefit form to complete. Upon review of the form it included an Employer Verification section to be completed by my former employer. On XX/XX/XXXX I spoke with two representatives through Account Assure and advised that my employer was unable to complete the section as the company used an external payroll software provider for employee verification ( i.e. date of hire, payroll stubs, etc. ). However, I was provided a letter on company letterhead stating I had been involuntary terminated due to the economic impact of COVID19. In addition, I had verification of my unemployment benefit statement. According to the two representatives my benefit would be denied because the letter provided by my employer did not meet the requirements as it failed to state my date of hire and number of hours worked. However, in the Required Documentation section of the Terms and Conditions it stated " in the event the cause of unemployment provided by the state unemployment office and the employer contradict each other, the state unemployment office information shall overrule the employer information. '' It appears the " cause of unemployment '' is sufficient. As a result of the verbal information I was provided on XX/XX/XXXX I made the decision to close my Express account with Comenity as the program is misleading and makes it difficult for customers to request a benefit.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I transferred my account from Merrill Lynch to another broker on XX/XX/XXXX, but not all funds got transferred. Merrill Lynch held back {$19000.00} in funds, including over {$10000.00} in cash proceeds from trades that had settled. I was locked out of access to those funds. I called on Monday, XX/XX/XXXX and was promised it would be resolved the next day. It wasn't. I called every day, spending over two hours on the phone over the course of three days. Each day I was told the money would be released the next day, but it was not. Today, XX/XX/XXXX, my account shows online as " closed '' and I have no way to access my cash balance or transfer it out.
Consumer complaint received 2022-03-23
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I Have sent a written request to Equifax asking for my free written credit report on XX/XX/21 and again on XX/XX/21 I also enclosed a copy of my drivers license and a copy of my social security card along with two current utility bills and still they have failed to send me my report.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX made a {$1000.00} payment to XXXX XXXX XXXX on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted XXXX XXXX XXXX only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; XXXX could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. 
There was never any mention of reversal after that point. 
Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. 
XXXX XXXX XXXX appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 years.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (CA)

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (PA)

This company repeatedly contacts me at work from numbers XXXX and XXXX. On XX/XX/XXXX at XXXX they called me at my work number from their number ending in XXXX. I immediately called them back from my cell phone and told them that I CAN NOT receive phone calls at work. I work for a state government agency and all of my call logs are monitored against personal calls. These can get me in serious trouble as " theft of resources '' for using my government phone for personal reasons. The lady I spoke to said that she would have the number removed. 

Then this morning at XXXX I get another phone call using their number ending in XXXX. I immediately called back and told them I already asked on XX/XX/XXXX not to contact me at work. The only reason give was that it could have been another department that called. I'm sorry but I told your company once that calls are not allowed, it doesn't matter which department uses it. 

When I asked what it was in reference too I was told they needed my social to look it up, I gave a fake number and hung up because I was hesitant to hand out my info to this company. 

This company has my cell phone number, they call it constantly all day long. They should not be using my work number after they were told the first time not to.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Regarding : Account No. XXXX CAPITAL ONE BANK USA Credit Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. 
I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. 
I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. 
I am hitting a point to where I am not sure who can help me. I already reported it to the authorities and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers and attaching the documents I have sent to them. 
Thank you for any help. 
Letter 1 : Sent on XX/XX/2021, received on XX/XX/2021. 
Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CO)

I have been trying to closeout my XXXX account with Citibank online since XX/XX/XXXX. I have called them around 8 times and most often they say they need to transfer me to another department and then I either sit on the phone for an extended period of time and get disconnected or no answers at all. On a few occasions I have gotten through to them and they say they will close the account but they don't. This account has less than a {$100.00} in it.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I sent a wire transfer for {$10000.00} from Citi Bank to XXXXXXXX XXXXXXXX in XXXX. While the money was deducted from my account the beneficiary has not received the funds as of XX/XX/XXXX. I have called the Citi wire department numerous times yet Citi has not provided me any information about the lost funds and refuses to refund me.
Consumer complaint received 2021-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

This complaint involves XXXX XXXX XXXX, PA XXXX. Since last XX/XX/XXXX I have attempted to have my credit report which is incomplete have one of my credit Cards with Capital One Visa included in my report as the other Credit Bureaus have included with my credit available which are XXXX  and XXXX. Over the month many months I have communicated with both my credit card provider and XXXX XXXX to rectify the situation to no avail. I was initially told by XXXX XXXX that the original card was not submitted when issued back in XXXX exceeded the federal guidelines 30 days in notice of issuance. I wrote back to Capital One Visa and told nothing they could do. They forward me a letter showing date of card opening, credit limit current balance last day payment was posted amount of last payment and minimum due. I forwarded to them no avail. I called XXXX XXXX in XXXX of last year and was told there was some type of dispute could not tell me what. I subsequently called back Capital One and the supervisor suggested to transfer the card to another which would have same prior issue date credit limit as the other which we did. The letter explained to me that XXXX XXXX would in 60 days from in the case XX/XX/XXXX which should have rectified it on the report by XX/XX/XXXX which it didn't even the gentlemen from XXXX XXXX had told me over the phone on XXXX it would work out because Capital One Visa had notified XXXX XXXX of New Account Card number. I am lost this point hoping you can provide help at this point.
Consumer complaint received 2022-03-23
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. (KY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX  should not be reporting to XXXX ; Experian and XXXX a collection/chargeoff in the amount of {$450.00} on the XXXX AUTOMATED COL partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX and XXXX XXXXXXXX to remove this however, I have not been successful.
Consumer complaint received 2021-03-18
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. (AZ)

Rentdebt should not be reporting to XXXX XXXX XXXX and Transunion a collection/chargeoff in the amount of {$450.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXXXXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX  and XXXX XXXXXXXX to remove this however, I have not been successful.
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2016, the amount was XXXX. I was behind with my payments of my mortgage, I explained them that I had a hardship and they offered a modification they said that with this program I can paid monthly my mortgage without any issues. I qualified because I summited all the requirements that they asked me and later, the mortgage transferred my mortgage to other company. I paid XXXX XXXX XXXXXXXX, for get solved this issue but the XXXX XXXX didnt fix it. I was asking to other legal advisers and said it was a fraud.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I checked my credit report XX/XX/year> and noticed two fraudulent accounts on my report. I disputed with XXXX, experian and XXXX and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2022-12-31
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. (KS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX