davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (UT)

We have been contacted by PayPal 's collection department twice. We do not and have NEVER had an account with PayPal. I ignored the phone calls until today in which I contacted them by phone and made it clear that we DO NOT AND NEVER HAVE HAD AN ACCOUNT WITH PAYPAL AND THEY ARE NOT TO CONTACT US AGAIN! I then pulled up their website online and filed a written complaint in which I stated that in XX/XX/2009, they charged my Visa card over {$6000.00} for the purchase of gold bullion. This was the beginning of years to date of extensive ID theft and fraud that initiated our personal and financial information sold all over the world. We did file a police report with our local fraud department and was assigned a detective. PayPal refused to reimburse me. They insisted that one of their reps had spoken to me directly to approve this transaction. After a lengthy investigation that ended up with the case being forwarded to the FBI, they did reimburse me and were told never to contact us again pending criminal fraud charges as my husband is a XXXX veteran. I made all of the above very clear in my written complaint on the PayPal website and once again made it very clear that we do not and never have had an account with PayPal and NEVER WILL! I warned them not to contact us again or I would file a civil suit against them. They are wholly responsible for the devastation of our lives and I will hold them liable if they attempt to contact us again with what is CLEARLY IDENTITY THEFT AGAIN!
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NJ)

Plain Statement of Facts : On XX/XX/XXXX, complainant discovered a total of two unauthorized electronic mail ( email ) communications sent by Allied Collection Services Inc. ( hereinafter ACSI ). ACSI advances, and complainant received ACSIs initial communication on XX/XX/XXXX, and second subsequent communication on XX/XX/XXXX. The electronic mail communications advanced by ACSI qualify as communications under the Fair Debt Collection Practices Act ( hereinafter FDCPA or the Act ) because both messages either convey information regarding an alleged debt or, imply the existence of an alleged debt. ACSI admits in each of its communications that each communication is from a debt collector and that it is attempting to collect a debt. Complainant is a consumer under the FDCPA. ACSI is bound by certain duties and obligations to complainant under the FDCPA including, but not limited to, absolute compliance with the statutory notice requirements existing in 1692g ( a ) of the FDCPA. This statutory disclosure obligation is triggered by an initial communication with a consumer in connection with the collection of any debt. None of ACSIs communications contain the statutorily mandated disclosures enumerated in 1692g ( a ) of the FDCPA, which include the amount of the debt, complainants right to dispute the debt, and/or how to obtain more information about the alleged creditor. ACSIs failure to provide complainant with the statutorily mandated disclosures, within five days of its initial communication, has caused complainant to suffer an injury in fact that is concrete and particularized. Complainant has been upset, distressed, and worried about these issues with ACSI. As a result of ACSIs conduct and behavior, action or inaction, complainant has suffered mental and emotional pain and anguish, humiliation, embarrassment, confusion, XXXX, and XXXX XXXX.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (OH)

I opened XXXX XXXX  accounts. XXXX later sent me a XXXX Credit Card application. I applied (XX/XX/XXXX) for the XXXX credit card. A company named " XXXX XXXX XXXX  ( Card Member Service Phone XXXX   ) '' sent letter ( XX/XX/XXXX) denying credit due to a credit freeze I had place with all credit agencies : XXXX XXXX and XXXX, due a credit breech and ID theft in my past. I called XXXX several time and all credit agencies. All credit agencies said to set up a one time password for XXXX to use to check my credit. XXXX refused to use the recommended safe and secure path as recommended by all the credit agencies. XXXX  said I had to completely remove all credit freezes. This would be a crazy thing to do! XXXX  refused to process the credit application.

Credit security is very serious and XXXX is not up to date or blind of modern scams and credit breeches! XXXX refused to use the PINs for the one-time-credit-check recommended by : XXXX XXXX  and XXXX credit bureaus.

I also complained to : XXXX XXXX XXXX XXXX  and XXXX  and had no success! The one-time PINs is a good safe process that XXXX  refused to use to check my credit for the credit card application.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

The credit companies are reporting I have tax liens reported by different courts. The courts DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX : A home equity loan was taken out on our home of XXXX XXXX XXXX XXXX XXXX XXXX. This was a Debt / CNSOLATION Loan. We made payments of {$100.00} per month until XX/XX/XXXX. 

XX/XX/XXXX : The house went into Foreclosure with Sheriff sale. We had moved off property on XX/XX/XXXX. 

XX/XX/XXXX : Five years later. On our current credit report Bank of America is still billing us late fees on the home equity loan even though it has been 5 yrs since foreclosure. 

Our credit rating is low due to this late payment billing. Bank of America has not sent any billing statements and did not turn us in to collections for this home equity loan. 

We were told that the home equity loan goes into foreclosure along with the property. 

I have the Uniform Residential Application and a copy of the Truth in Lending Disclosure statement. 

Bank of America in XXXX XXXX Mi does not return our calls, and no staff follows through when we call the Bank. They hire new employees every week and we start the complaint process all over again. No one takes respondsabilty. 

Is there a state law that can help? How long will we get late fee payments on this XXXX home equity loan on this property? It all ready has been 5 years. 

Bank of America cancelled 3 short sales on the property and we lost this house.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

I submitted a complaint to which the company brushed me off - see below. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX With my complain, I submitted ALL THE PROOF, yet the company says in their response SUBMIT TGE PROOF. I have submitted the proof WITH my complaint and you can see it all attached TO my complaint. Delete this falsely reported medical debt immediately because I submitted all the proof needed. 

Here was my complaint which remains unresolved by this rude, unprofessional, incompetent agency. 


Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In XXXX, I worked at XXXX but was let go as of XX/XX/XXXX, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/XXXX. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/XXXX. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XX/XX/XXXXXXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

Jefferson Capital Systems located at XXXX XXXX XXXX XXXX XXXX, MN XXXX purchased a debt that is more than 3 years years old and reported on my credit of a new account with new delinquent payments in XX/XX/2019 as if to appear that it is a new account when in fact it is not.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : ONEMAIN Account Number : XXXX PORTFOLIO Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX. XXXX Account Number : XXXX. XXXX Account Number : XXXX. XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-02-18
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: AMERICAN EXPRESS COMPANY (VA)

I disputed several charges with American Express for XXXX Resorts. I conveyed to American Express that the merchant did not provide the services that were provided. Specifically, the merchant advertised that they had multiple restaurants, many of the restaurant were closed or the same exact restaurants but changed the names at different times.The services rendered were so bad, we were going to change our flights to leave and come back to the United States. I contacted the hotel manager who apologized and offered us a cabana to compensate us for the poor service. I explained that a cabana would not be sufficient compensation. The staff was extremely rude and unprofessional. The resort was unclean and failed to live up to what was advertised on the website. American Express initially provided a credit but then reversed it after the hotel provided a copy of the cabana that was offered as a kind gesture. I, XXXX XXXX did not sign for any services at this hotel, My signature was never given as authorization for these charges.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank DE has been reporting inaccurate information on my credit report. I have tried to correct this information by Disputing it but Barclays stated that the information is correct to the credit bureaus.

I would like to see how they calculated the balance on this account.

Barclays has withheld the credit limit to XXXX  in an attempt to further damage my credit, Barclays has also reported the high balance as a lower amount than the balance on XXXX and XXXX. how is that mathematically possible and why are the amounts so different XXXX : High : {$0.00} balance : {$1700.00} XXXX  High : {$1200.00} balance : {$1700.00} Barclays has tried to re-age this account by having different Dates of last activity and different dates of last payment at all 3 bureaus Date of last activity XXXX XXXX  : XX/XX/2018 XXXX Date of last payment XXXX XXXX XXXX Barclays Bank has also transferred this account to a collection agency called XXXX XXXX XXXX and has failed to report this transfer to me.
Consumer complaint received 2020-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a TransUnion dispute XX/XX/XXXX and I have not heard a response regarding my complaint with XXXX XXXX. I checked TU website and it is noted that a dispute has been filed and it should be rectified in 30-45 days or on or about XX/XX/XXXX. Because of the pending dispute, I can't move forward to get this removed. 
I am XXXX yrs old and had a credit rating of XXXX prior to this incident. I bought a phone on credit, thought I set it up on automatic payment from my banking account but I did not know it was setup as paperless billing, not direct payment. I ignored creditor emails because I knew I applied for auto pay and I thought the emails were spam and/or predatory attempts until one day I received a phone call. When I believed that the miss payments were indeed real, I immediately took care of my delinquency. I have changed to automatic payment again and have not missed another payment. 

Please investigate this matter in a timely fashionits been 8 months since I filed the first time. In addition, please review my credit history. I retired in XXXX and all my debt is set up on automatic deduction from my financial institutions with no problems. I would like my credit rating restored to its previous level. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (TX)

Im missing a direct deposit of over {$3500.00} in my account. I always receive my deposit on Wednesday every other week. Its now Friday and it still hasnt arrived. 

My employer verified theyve sent the funds as usual. Ive received dozens of direct deposits from the same company over the past 2 years. This is the first time Ive had a problem. 

Their customer support has no record of my deposit which my employer confirmed was sent. 

Social media users on XXXX, XXXX, and XXXX are posting complaints about the same issue. 

This is causing undue stress and financial trouble for their customers.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

WAKEFIELD & ASSOCIATES is now the creditor but originally i was charged from XXXX XXXX XXXX XXXX XXXX XXXX for {$490.00} I was XXXX XXXX XXXX XXXX and went to the doctors office to see if they could do anything. I waited patiently for the doctor, was seen and given XXXX. They then tried to charge me a month later {$500.00} for an " emergency '' service, however i was clearly not put into an emergency room and a mistake was made, i contacted the hospital and they were not helpful, nobody wanted to take responsibility of the mistake.
Consumer complaint received 2020-02-18
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)

Dear Federal DIC ( FDIC ) : XXXX, XXXX XXXX XXXX XXXX, XXXX  ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E.

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to XXXX debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE 2 Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. XXXX bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY XXXX ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR XXXX TO ISSUE A CREDIT OF {$840.00}. XXXX IS NOT IN COMPORTMENT WITH REGULATION E AND IS REFUSING TO ISSUE A PROVISIONAL CREDIT. I NEED ALL MY MONEY.

( 2 ) XXXX HAS ISSUED THE {$250.00} PROMOTIONAL INCENTIVE. 

XXXX IS FACILITATING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY XXXX ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERING THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND XXXX INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE.

Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2022-03-25
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: Paypal Holdings, Inc (FL)

XXXX XXXX -negative $ XXXX XXXX, XXXX  Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2022. 
You reported a problem with this transaction. See the status of your case in the XXXX XXXX. 
Paid with XXXX XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX XXXX '' on your card statement. 
{$200.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX United States Transaction ID XXXX Contact info Message XXXX XXXX XXXX Details Sent to XXXX XXXX  {$200.00} Total {$200.00}
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed accounts this month that I do not consent to, authorize nor benefit from any of the following inquires. Block and remove them. 

Pursuant to FCRA 15 USC 1681. 

All of these accounts are in litigation.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$170.00} -This is not my account.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

So my name is XXXX XXXX and my information was impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information. I am distressed that TransUnion have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.