davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/19 @ XXXX I made a 4 check deposit. XXXX ser # XXXX XXXX ser # XXXX XXXX ser # XXXX ( this was the check that caused problem ) and XXXX Ser # XXXX. After making deposit I realized ser # XXXX for XXXX was read as XXXX I immediately pointed it out to the BOA in which she told me the bank would adjust automatically! So after I left I called BOA so there would be an official record after spending 40 min and getting hung up on 4 times was reassured bank will adjust ... .sooo I woke up to instead of problem resolved I woke up to being XXXX overdrawn! Called bank spent 1hour and 45 min to be told nothing they can do about it and I would have no money till Tuesday! So then went to the bank and unsimpatheticly told with no one ahead of me I would have to wait 1.1/2 he to see some one! Mind u the error was that the bank put double holds on all check with XXXX release date Monday came in and was told if I would wait 45min we will look into it! XXXX XXXX XXXX on Monday still not resolved!
Consumer complaint received 2018-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

On XXXX XXXX, XXXX I reached out to GLA Collections via a third-party credit monitoring site XXXX XXXX XXXX XXXX, asking them to validate XXXX medical bills that they have on my credit report. One in the amount of {$500.00}, and the second in the amount of {$720.00}. Today is XXXX XXXX, XXXX and I have yet to receive the requested information, nor a letter of any kind or any type of response.
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. (MS)

Credit report shows on my XXXX XXXX I owe {$400.00} and a Credit Limit of {$2000.00}, incorrect information! I owe {$97.00} and my Credit Limit is XXXX! I have not owed {$400.00} on this Card. XXXX XXXX Credit Card shows I owe {$25.00} I paid my XXXX XXXX Card off on XX/XX/ I owe {$0.00}. This is false reporting on my Credit Reports by XXXX, XXXX and Transunion!
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I purchased a phone from XXXX  and paid with paypal. I returned the phone and pay pal did not refund the money to me. They asked me " copy of the receipt that details my credit ''. I wrote to them and asked them what they mean because I don't have a credit, that is positive amount of money being deposited from my account. It does not exist because my credit was not given back to me, or my money was not refunded back to me. They just denied and closed my case. This is {$170.00} of my money. 

case XXXX
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NE)

Good day, I'm appealing for help to understand how it is possible that Credit Bureaus can report inaccurate information on Consumer Credit Reports. 
A Bankruptcy is reported in my XXXX Credit report and my Experian Credit Report, and how is not reported in XXXX Credit Report? That mean Credit Bureaus report whatever they want, is not matter if is accurate or not. Also Bankruptcy Court don't share information with Credit Bureaus, having said that they should get the information from the same Furnisher.
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have filed a dispute regarding the incorrect items on my credit report. IT HAS BEEN WELL OVER 45 DAYS AND I haven't received any investigation results. I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION. I have even contacted XXXX  LEGAL DEPARTMENT and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. Congress enacted the FCRA in XXXX to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. In doing so, Congress sought to preserve the consumer 's privacy in the information maintained by consumer reporting agencies. '' Gelman v. State Farm Mut. Auto. Ins. Co., 583 F.3d 187, 191 ( 3d Cir. 2009 ) ( internal quotation marks omitted XXXX. Once notified of a dispute, a furnisher of credit information has statutory duties, inter alia, to investigate the disputed information and to correct information found to be inaccurate. 15 U.S.C. 1681s-2 ( b ) ( 1 ). To establish a violation [ u ] nder the statutory framework and clear language of the statute, therefore, a consumer must first alert the credit reporting agency that reported the allegedly erroneous information of a dispute. It is then up to the reporting agency to inform the furnisher of information that there has been a dispute, thereby triggering the furnisher 's duty to investigate. It is only when the furnisher fails to undertake a reasonable investigation following such notice that it may become liable to a private litigant under 1681s-2 ( b ). SimmsParris v. Countrywide Fin. Corp., 652 F.3d 355, 359 ( 3d Cir. XXXX ). Reasonableness of the investigation is determined based on a balancing of " the potential harm from inaccuracy against the burden of safeguarding against such inaccuracy. '' XXXX XXXX XXXX XXXX, 744 F.3d 853, 865 ( 3d Cir. XXXX ) ( internal citation omitted ). Regarding the requirement of " accurate '' information, " even if the information is technically correct, it may nonetheless be inaccurate if, through omission, it creates a materially misleading impression. '' I DEMAND FULL REMOVAL OF THIS ACCOUNT. XXXX is guilty of DEFAMATION OF CHARACTER AND UNLAWFUL PRACTICES.
Consumer complaint received 2021-06-11
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 ()

My PayPal account was locked for no reason. I tried to contact them but they are not responding, it's already pass the 180 days and I already received an email that I can already withdraw from account, yet it still says that it is still locked. I have not been able to get help from them fore months. I remembered I could file a report here as I feel they are not doing their job properly, it affects me a great deal as I used PayPal frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am not the owner of XXXX XXXX   COMPANY ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX  COMPANY ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Consumer complaint received 2018-01-13
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: Mutual Management Services LLC (FL)

In between XX/XX/XXXX-XX/XX/XXXX, I stayed in an apartment complex by the name of XXXX XXXX XXXX..I moved out in XX/XX/XXXX-XX/XX/XXXX, I cleaned out and left everything in good standing condition and was told by the manager at that time i would receive my deposit back..I recently started working on my credit and noticed that they have me in collections, I have tried on several attempts to dispute this and each time the results are that " I owe this amount ''. I went into the office in XX/XX/XXXX and spoke with the leasing manager and she said she didn't see how i owed anything and that according to her ledger the complex owed me ( which would be the deposit that the previous manager said i would be getting back ) so she was going to contact the corporate office and for me to come back in 7 days. I went back a couple of months after that and there was new office staff, so I discussed this issue again with new management and was told that she didn't see any reason why I would be in collections because she didn't see one listed and that my file was no longer in the office, so she took my information and said that she would be contacting me. I have yet to be contacted every time I try and call the office I am told the same thing someone will contact me..I know i could possibly not owe this ( 1 ) because I was on Section 8 at the time and when you're on Section 8 before you move to any other property or house you can not have a balance, and my Section 8 paperwork was signed off with a XXXX balance and no property damage. If you could please look into this it will be greatly appreciated, I am trying to remove this off my credit so I may continue to clean my credit and obtain a good credit standing. The amount they're saying I owe is {$2300.00} and also they have this debt listed as JOINT, but it should be Individual because I was the only one on the lease accept for my kids. 

This is the company info : MUTUAL MANAGEMENT SERVIC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX My Name is XXXX XXXX and the address at that time was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2017-05-27
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. (TX)

I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00}   XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.       XXXX   Last reported :  XXXX   XXXX ,    2017 {$7500 .00} This account  is 7 years old a nd should have been deleted.       XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017 {$3000.00} In Collections/Charge-off
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am not the owner of XXXX XXXX   XXXX ( ORIG CREDITOR : 11 XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX XXXX ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX andTransunion report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XXXX changed the dates the accounts were first reported, while XXXX  and Transunion updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.
Consumer complaint received 2019-06-24
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (AZ)

Pioneer Credit Recovery ( XXXX ) XXXX XXXX XXXX XXXX NY XXXX, has repeatedly contacted my landlord and my landlords daughter about my debt and has left messages on their phones as recent as XXXX, and has provided my account information about my debt to them. This is in violation of federal debt collection practices. This company is based in New York and the person leaving these messages is identified as XXXX XXXX ( if this is a real person? ). My next step is to file a complaint with the New York Attorney General 's Office. 

I dispute the amount of debt they are trying to recover and sharing my personal financial information with people other than myself is ridiculous, aggressive and a violation of federal law.
Consumer complaint received 2016-01-15
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: ClearPath Lending (CA)

This company Clear Path Lending, has sent me mailings that have logo and seals of the Department of Veteran Affairs, when I called they told me they were the VA! I 'm not the only person they have done this to based on looking them up. They have been sued for fraud in civil court which could be found online. Also there is a genetleman that owns the company that they try to hide his same is XXXX XXXX, he is also the same guy the does be XXXX XXXX in a company called XXXX and XXXX and XXXX XXXX. This guy changed his name to XXXX XXXX in the XXXX. They are pretending to be the veterans administration! 


ClearPath Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion was the service used to check my credit for a housing application. After completing my housing application via XXXX/transunion, a pop-up for a {$1.00} credit score report from trans union came up. I decided to take advantage of this service. However, TransUnion, without notification or receipt, automatically signed me up for a monthly membership and credit monitoring ( that was not advertised ) for a fee of {$19.00} per month. I called twice to have the fee cancelled and refunded. At first the representative said they did not offer a refund and that I had agreed to this montly billing. This however is not accurate, their terms of service did not state an automatic sign up for a monthly fee. I called back and the second representative was able to file a refund, which should show up on my credit card in 3 to 10 business days.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

So I sent a letter to the credit to remove personal information that I dont want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

It's not really a complaint. Just a request for explanation. 

This is regarding accurate reporting of a federal student loan. 
Navient is the servicer and the guarantor is XXXX XXXX XXXX. 

XXXX : Navient Guarantor : XXXX  XXXX Open Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Close Date ( paid in full via consolidation ) : XX/XX/XXXX Last Payment made ( by me ) : XX/XX/XXXX I've made zero payments in the past 7 years but Navient reported my account as current for months where I was in forbearance. There are several periods where I wasn't in forbearance and Navient reflects those as delinquencies. So my 7 year credit history is a combination of forbearance months reported as " current '' and non-forbearance months reported as delinquencies. 
My argument is that regardless of the fact that Navient REPORTED my account as current some months, I haven't made a payment in over 7 years. After the last payment I made in XX/XX/XXXX, I never came back current. I believe the purge date of this account should be based on the actual date I went delinquent and was never current again. Should the forbearance periods be included in the calculation to determine when this account should be aged from my report? Or should it be based on the last time I actually made a payment ( if Navient or myself provides this evidence to the agencies )?
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for Amex everyday credit card after following an online promotion of {$150.00} cashback as statement credit after spending {$1000.00} in first three months. It was way back on 2016. I followed the criteria and still I didnt get any statement credit. I followed up with customer service via phone and chat. They told me that i did not clicked the link for the cash back after spending {$1000.00} in 3 months but i clicked a different link for cash back after spending {$2000.00} in 3 months. I clearly remembered that I signed up based on the first criteria because i know my spending habits. There was no reason for me to sign up for a credit card at that time other than their catchy but false promotional promise. Anyways they gave me a complaint number and never called me back to resolve the issue. I felt so much cheated that I stopped using amex. I was new at this country at that time with limited English speaking ability. Also I didnt know any other places to look for resolve. Now I know my rights and want to file a complaint against this giant company. They can deny and they might choose to not give me my cash back but i want to let them know that you lost a customer and I would tell my friends and family never to sign up for amex again. I am super happy with my XXXX   and XXXX credit cards.
Consumer complaint received 2018-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

Have no idea why these people are calling me -- they are apparently trying to collect a date incurred in the State of Kansas. I have never lived nor worked in that state, nor have I ever even been there. They are obviously seeking the wrong person who unfortunately has an name like mine. The phone calls are robocalls, not a real person. They call constantly, during the week, in the evening and on weekends.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (CA)

These are unauthorized inquiries XXXX  XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ) which I have not approved or given written permission to furnish in my credit report.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In 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 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX, Experian andXXXX report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on