davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I had a debt. from a health care company turned over to collections with Transworld Systems Inc. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX  and XXXX   refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
Consumer complaint received 2024-05-12
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. (PA)

XXXXXXXX XXXX is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX XXXXXXXX XXXX called me to pay XXXX XXXX  and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. XXXX XXXX have charged off this account since XXXX reporting every month
Consumer complaint received 2022-10-03
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)

Account name : XXXX XXXX XXXX XXXX Account number : XXXX I owed {$1000.00} and the debt was closed for nonpayment, then sold to XXXX XXXX XXXX. {$730.00} was paid in XX/XX/2019 but XXXX agreed to notate it as " Settled in Full ''. I have documentation from XXXX to prove this. My credit report shows is still as XXXX and initially just " Closed ''. After submitting this document to Experian in hopes of the " Settled in Full '' appearing, it was instead changed from " Closed '' to " Closed. {$1000.00} written off ''.
Consumer complaint received 2021-08-30
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. (TX)

I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!
Consumer complaint received 2021-08-30
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. (TX)

I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!
Consumer complaint received 2023-12-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Someone opened an account with Wayfair in my name back in XXXX XXXX XXXX and charged {$2400.00} worth of merchandise on it and now Wayfair keeps sending me bills in the mail. XX/XX/XXXX I sent them the police report and the form letter from XXXX via certified mail and I have the receipt. This is now considered harassment and my next step is to contact a lawyer.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SD)

I am a XXXX year old XXXX  veteran in a XXXX XXXX. I went XXXX with my XXXX XXXX and can not read. I would call the bank to tell me what I had in checking. One day they said {$75.00} and it should be {$90000.00}. I said where did it go? The bank gave my money to someone without a signature or any correct in formation. 
I started with complaint # XXXX and XXXX. They say closed but no one contacted. I never received no money when they said they would get it all back for me. I need my money to eat.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

The United Revenue Corp posted a {$580.00} collection on my account and I've never been to any hospitals, nor have I received any medications from a hospital. I have reached out to get this account disputed, but I haven't heard anything back yet! It has also been passed 30 day period and I need something done about this asap!!
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Representatives of BoA visited my business and offered a new product service for small business owners. I made sure this was a BoA product and it was confirmed that it was " Merchant Services, '' so I signed up. All seemed to be well for a period of time. I later noted a debit of {$10000.00} and a subsequent debit of {$3500.00}. When a large charge reaches my account I am always contacted by the bank 's Fraud Department to confirm the legitimacy of the charge. That did not occur with these transactions. Thereafter, I took notice of a number of chargebacks ( refunds ) in the account under the same institution. All of the transactions have since totaled around {$20000.00}. I called Bank of America for assistance because I was completely confused but I was told I would need to visit my local branch. Throughout several weeks I spoke with a number of people who explained to me that Bank of America discontinued it's relationship with that merchant, but did not notify any account holders. This service was again presented by, from, and as a Bank of America product. Due to this lack of communication and transparency I incurred charges and chargebacks from the company once their agreement ceased. Bank of America refused to help me dispute the charges and the reversal payments which occured as a result of them ending their contract with the service company. I explained thoroughly that only after the charges had I been told this was a partnership and they were ending their relationship. If I were made aware I would have taken the steps to do the same. Bank of America presented the service directly to me but did not any way shape or form let me know this product/service would no longer be offered. This situation is beyond unsettling because they refuse to move a toe in trying to assist me in protecting my account, disputing the charges, or getting my money returned back to me. They simply apologized and stated there is nothing they can do. They have completely thrown their hands up and not taken responsibility, not tried to help me in any way, nor explain how nor why I wasn't kept informed about anything. These are the those I continuously pleaded for help from XXXX 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 2018-12-04
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. (MD)

This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - Experian, XXXX  and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, checked my credit report on XX/XX/2021 and I noticed that I had a inaccurate and fraudulent account on my credit report. I have no knowledge nor did I give consent for this account to be on my credit report.
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I checked my credit and saw a medical bill from Credit Business Services for XXXX XXXX at {$370.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was homeless with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (FL)

Checked credit and saw an account from Merchants Adjustment Service for XXXX XXXX  XXXX  in the amount of {$120.00}. I never received any correspondence about this debt. I was a homeless vagrant for a few years with no medical insurance
Consumer complaint received 2019-12-05
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. (TX)

Dear Credit Bureau : I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. 
( 1 ). How did you verify these inaccurate accounts? 
( 2 ). Did you talk to the court and if you did who did you talk with at the court? 
( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? 
( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number : XXXX Date Filed Reported on : XX/XX/2017 U.S. Bankruptcy Court Reference Number : XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.
Consumer complaint received 2019-01-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has put a negative statement on one of my accounts. The account in question was a refinance of an existing account. Instead of stating that. Transunion said my account balance increased as if it was a bad thing.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020, two bank accounts at Bank of America were opened using my identity AGAIN. This occurred in XXXX and I was assured of investigation. There was never really a conclusion as to how my personal information was allowed to be used to open a checking and a savings account. When this happened in XXXX, I immediately contacted the 3 credit bureaus and 20 other agencies. I thought this was an isolated incident. I was shocked yesterday to I receive 2 separate letters ( which had gone to my old address in Wisconsin ) in the mail from Bank of America telling me that they had closed two new accounts ( on XX/XX/2020 ). I phoned Bank of America and spoke with their fraud department who assigned fraud claim numbers. I am concerned that this will never stop happening. Twice today I have tried to phone them and each time I'm on hold and never get through to anyone. When I did reach someone very accidentally, I was asked to provide my phone number which evidently did not agree with whatever was on these ( now closed ) accounts.
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (PA)

I requested that they allow me to validate the alleged debt. provide me with a breakdown of all charges, dates of service and procedures given including fees associated. My dispute was denied and debt was never verified but the collection remained on my credit report, negatively impacting my credit score.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America did not process my dispute properly. I sent them numerous documents in support of my claim, and they dismissed it on the basis that I had not provided " a receipt '' for the transaction. I told them there was no receipt issued. It was a salon that does not issue paper receipts. They only run the charge through a machine. My hair was damaged by a salon service and I asked for my money to be refunded. I provided an expert statement about the condition of my hair. I provided a statement from a coworker who gave an opinion of how damaged my hair is, and I sent photos of how the merchant stained my hair XXXX through their negligent application of the salon products. They never considered my supporting documents.
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I submitted an Economic Hardship Deferment request by mail to ECSI for my Perkins Loan, account XXXX, on XX/XX/XXXX, with required supporting documentation. 

My Federal Stafford loans are in Economic Hardship Deferment with a begin date XX/XX/2019 and an end date XX/XX/2019, so by law I am entitled to an Economic Hardship Deferral of my Perkins Loan as  well. 

However, ECSI failed to approve my Deferment.

I called ECSI today and they claimed they emailed me, but I never received an email. The ECSI rep of course offered to put the loan into Forbearance, where it would continue to accrue interest, but I qualify for Deferral, I am receiving SNAP benefits and my other Federal loans are in deferral.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Follow up complaint ID XXXX Capitalone reply did not address my concern at all, it did play games. 

Please read carefully my complaint and their reply. 

They did not address the actual issue. 
It is not for a credit, but for a charge which I did not purchase ( cancel ). 

I need you give me Capitalone higher level manager office email and phone so that I can contact them, I consider CapitalOne credit not good, I will not use them any more if they do not fix. 
Thanks. 

XXXX XXXX
Consumer complaint received 2020-01-15
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. (TX)

Equifax and XXXX are reporting an incorrect filing date on the US BKPT CT  TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

I have written to TD Bank three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Consumer complaint received 2022-09-13
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. (MD)

n accordance with the Fair Credit Reporting act 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 2019-12-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. ()

In XXXX, whilst clearing out the remainder of paperwork of my late husband 's studio, I found a Certificate of Deposit issued for 60 days on XXXX XXXX for {$100000.00} at 9.20 % interest per annum with First-Citizens Bank in XXXX, NC. My husband died on XX/XX/XXXX and his executor closed out our accounts with First-Citizens. Somehow this CD was not found until six years ago. A lawyer representing me took the CD to First-Citizens where he was met with a startling gesture on the part of the bank representative who threw the CD in the rubbish bin declaring that it had no validity due to it's age. The lawyer then appealed to the Senior vice president and Senior counsel of First Citizens Bank who wrote a rather lengthy letter explaining that the bank had required the presentation of the paper certificate to redeem funds in a CD with their bank until XXXX when said bank changed over to a book-entry system. That is all well and good but not applicable as my husband had been dead for two years when they switched over and though he was capable of extraordinary achievments walking into a bank two years after his death isn't one of them. Often times my late husband 's practice was to let a CD " roll over '' until he decided what to do with those particular funds. The legal representative then contacted the NC Treasury who had no evidence that these funds had ever been put into their hands. He then contacted the NC Banking commission who became somewhat irritated that he contacted them often to hear what they had discovered and asked that he not call back and that they would contact him when they had finiished their investigation which should take five years! To date we have heard nothing from them but silence. This past Spring I asked my late husband 's executor to get involved again and his first move was to contact the Banking commission who now claims that they have never heard of this CD or the problems with First Citizens. Surely there must be some organization committed to the consumer!? Perhaps these funds got lost in the shuffle of reorganizing and changing to the book-entry system ; frankly, I am at a loss to know but am conveninced that these funds were never redeemed and that First-Citizens should make good on this investment. I have letters, the CD itself as well as the receipt from First-Citizens. I NEED HELP ; PLEASE.