davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written TransUnion as well as called to have unauthorized inquiries removed. TransUnion has failed to investigate and remove these inquiries. 
XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (IL)

I began contacting this BarclayCard in XX/XX/2018. On XX/XX/2018, a letter was sent via certified mail to BarclayCard asking them to verify the debt they said was owed. I specifically requested a copy of the specified application with the " wet ink '' signature. The letter stated that if this request could not be honored, then the alleged debt/account must be deleted/removed. Attached to this letter was a copy of my social security number and driver 's license as means of identification. I then began receiving 3-5 harassing phone calls per day. I respectfully asked for written correspondence on this matter because over the phone, the company refused to assist. 
On XX/XX/2018, I received written correspondence from BarclayCard stating that the company could not complete my request. The harassing phone calls continued, again around 3-5 calls per day. I again requested written correspondence. The calls again continued. In XX/XX/2018, I received written correspondence from BarclayCard stating they had enclosed a statement. This is not what was requested for validity of this debt/account claim. In response, On XX/XX/2018, I sent a final notice to Barclay Card again requesting a copy of the original credit application or contract with a " wet in '' signature to validate this alleged debt. This request was only met by continuous harassing phone calls. 
On XX/XX/2018, BarclayCard sent written correspondence stating that they needed " proof of identity '' to process this request ( after already saying they couldn't complete the original request ). Again, the social security card and driver 's license were sent in with the letter dated for XX/XX/2018. 
On XX/XX/2018, BarclayCard called a family member 's home asking for me. The person told them I was not available. The representative on the phone then released ALL information pertaining to this account without verifying who they were speaking too. BarclayCard disclosed all personal information that was attached to this account including, but not limited to, a name, amount " owed, '' payment history, etc. The person that BarclayCard was speaking to was not asked to verify any information on the account. The person that Barclay was speaking to told the BarclayCard representative that they were not the person they were calling for nor did they have any business with the person that BarclayCard was calling for. Yet the representative continued to disclose all information to the stranger on the other end.
Consumer complaint received 2019-07-23
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 (GA)

PayPal has frozen our accounts and refuses to release our funds, also : - PayPal doesn't reveal the criteria it uses to trigger a payment hold, making it impossible for sellers to learn why their funds are being held or to determine if an error had been made ; - Sellers make zero interest on their funds, while PayPal presumably does earn interest on the sellers ' funds ; - PayPal has no accountability ; there are no auditors or checks and balances. 

The fact that this is continued to be allowed by consumer rights organizations is saddening. They continue to pray on small business and discriminate against legal business violating their rights under US law.
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (NJ)

My husband & I rented an apartment at XXXX 's XXXX ( XXXX XXXX ) since XXXX. We were good tenants and regularly had maintenance repair things, kept the place nice, etc. In XX/XX/XXXX, my husband passed away suddenly from XXXX XXXX unexpectedly. I am permanently XXXX. I went into the office and spoke to XXXX XXXX a few times explaining I couldn't afford the rent anymore and would probably have to leave. I told her I had to see when everything settled. She was fine with that and told me that they needed 60-90 days notice if i left and said they would work with me due to the situation. 
In XXXX I sent an email stating I could no longer afford financially to stay. I also went back to speak with XXXX telling her my husbands employer had dropped me and my children from insurance and now i had to pay for all my medical, prescriptions, etc. So i had no way of affording the rent and that I would be leaving by the end of XXXX. As I had informed the office by the end of XXXX, I packed up, spent the weekend cleaning, painting with help and shampooing the carpets. Now since XXXX we had paid a deposit for a cat plus {$25.00} a month pet fee. All the walls were repainted with 2 coats of white paint. there was normal wear and tear in the apartment after 7 years, the carpet had never been replaced but regularly shampooed by me. There was a spot in the bedroom they claimed was from my cat, but it was actually from the maintenance man XXXX who when our air conditioner leaked, he drilled a hole in the unit causing the stain. counters get used, etc. 
But in the end of XXXX i get a note from XXXX XXXX stating they are keeping my security deposit, i owe damages, plus 2 months rent. I tell them I don't owe as i am XXXX and my income ( my spouse ) has died i can break the lease. they sent me to XXXX who tells me they are sending me right to the credit bureau and has done so making my credit go down and i don't feel this is right. I would like them to take this off my credit report immediately and i would like the so called debt eliminated and actually would like my security deposit refunded.
Consumer complaint received 2024-03-09
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. (NJ)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is ridiculous! I havent received a response from transunion after sending in letters 5 weeks ago. Isnt that illegal? I thought transunion must respond to your letters within 30 days or its an automatic deletion. Please review the letters I've been sending out! 
According to FCRA this accounts are in violation of not reporting 100 % accurate informations. Remove it immediately! 
XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXXXXXX {$2800.00}
Consumer complaint received 2019-07-23
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. (CO)

EXPERIAN IS IN VIOLATION OF THE FCRA BY PUTTING A STATEMENT ON MY CREDIT REPORT THAT ADVERSELY IMPACTS ME WITH OUT ANY PROOF THAT I ASKED THEM TO PUT IT ON MY REPORT. 

on my credit report, attached is a copy of it. Experian is putting a comment that says Dispute Investigation Completed. Consumer Disagrees. Updated XX/XX/XXXX. 

I have filed this complaint before as I never disputed anything with the XXXX XXXX accounts. What is funny is that XXXX  removed this comment because they showed no dispute ever being filed by me. But Experian and XXXX  both think its funny to make false statements on my credit report and to violate the law. 

I am now demanding that they proceed by the law. Either produce written documentation verifying that I initiated a written dispute ( Which they cant because they did not recieve one ). I am demanding that this comment be removed completely from my credit report or I will reserve the right to hire a FCRA attorney and sue you in a court of law. I am not playing games here. 
You do not have the legal right to put anything on my credit report that is not validated or verified with proof. You guys have been found not to long ago to have compromised many thousands of people 's information because you are negligent in handling our personal information. 

I am demanding that this statement that I did not authorize because nothing was disputed and I am disagreeing with you on the fact that you are putting unauthorized, incorrect comments on my credit report. 

Remove or be sued!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XX/XX/XXXX CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, To : The Office of Registered Agent for CREDIT MANAGEMENT LP From : XXXX XXXX Regarding : Unauthorized Administration of the XXXXXXXX XXXX XXXXXXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXXXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CO)

Originally was not able to access the bank account and spent a lot of time on hold trying to access the account eventually filled a cfpb complaint. PNC never resolved account access issue so I decided to close the account. 

Multiple calls over 2 months to try to close the account several hours spent on hold each time. 

XX/XX/XXXX Officially closed the account with PNC and the " check mailed '' according to PNC. 

XX/XX/XXXX Called to follow up on the check and was on hold for over an hour. Said check would be to me in XXXX - XXXX hours and a XXXX would follow up. 

XX/XX/XXXX Manager neer followed up and check still not received and now filling cfpb complaint for the second time.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (CA)

We entered into an agreement to purchase a XXXX Truck from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana. After numerous e-mails, a wire transfer of funds was sent and the truck was to be delivered the next week. When we received no information about the delivery, we called the dealer and the phone was not working. All information is still up on the website, including the truck we supposedly purchased. We tried contacting the bank that our bank, XXXX XXXX XXXX, transferred our money to and they are very rude and told our bank agent that they do not like dealing with XXXX XXXX XXXX  and will make them jump through hoops before dealing with them. However, they did let XXXX XXXX XXXX know that the funds in the account we sent our monies to were frozen. This happened on XX/XX/XXXX and Iberia Bank of Louisiana is still not cooperating about what has happened to our {$25000.00} that we transferred. The XXXX XXXX XXXX XXXX XXXX XXXX is still advertising classic cars for sale, but will not answer our phone calls. I am attaching all the e-mails and information I have to substantiate our claim. 

On the wire transfer instructions, it is listing Iberia Bank with a XXXX Indiana address, however, there is no Iberia Bank in Indiana and our monies went to Iberia Bank in Louisiana according to the routing number. Our XXXX XXXX XXXX Agent, XXXX, has called them numerous times and they will not deal with her. I filed a report with the Police Department in XXXX Indiana, however now that we know the bank is in Louisiana, I had to call the police department there are they would not take a report. I filed a report with the FBI, but have not heard back from them either.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

After being a customer for nearly 10 years with Bank of America and having multiple personal and business accounts in great standing, I received notice on the XX/XX/XXXX from BOA that all  my accounts will be terminated and that I have 21 days to withdraw funds. Shocked and thinking that it was some type of error, I went to my banker at our local branch and he said that he has no info and has no clue why I am being treated this way. I want to know why??? This does not seem fair or legal to me at all, please help!
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent a certified letter to Experian credit reporting company. 

This Credit bureau stated Account Name : XXXX XXXX & Account # XXXX was properly investigated but how is this possible if the the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2021-07-23
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: AmeriCollect (NJ)

I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXXXXXX XXXX, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from Americollect continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with XXXX. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at XXXX who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to Americollect, XXXX, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to XXXX, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If XXXX looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of XXXX, and the services provided is appalling.
Consumer complaint received 2015-07-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (MI)

Allied Collections has been reporting inaccurate account information for years. The original outstanding amount was {$50.00}. Allied Collections has reported the collection amount of {$160.00}. In addition, I was not aware that I had an outstanding account bc I have n't received any notice of this amount being owed. Contacted the original service provider, XXXX on XX/XX/2015. Spoke with XXXX in the billing department. She informed me that the balance due was {$50.00} not {$160.00} which was paid in full. Two weeks earlier, Allied Collections, I provided my credit card information to pay the balance of {$160.00}. The account specialist was to email me a receipt which I never received. Not maintaining appropriate account information appears to be habitual in this industry. I would like a refund in the amount of {$160.00} in addition to all negative remarks and removal of this account from all credit bureaus.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NPAS, Inc. (TX)

Constantly calling my job and my home using threatening and harassing language. They are usining a prerecorded machine to robocall me over and over even after I demanded them to stop. I have no contact with this company and do not know why they are continuously calling and harassing me at home and at my job. I informed them that my job strictly do not approve of harassing calls and that I could loose my job. They keep calling. I am sending a cease and desist letter to them. I am filing a harassing phone call report with the police depazif the call me again on this XXXX day of XX/XX/2019.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OR)

XXXX XXXX, Targeted Employment Area Designations Among Reforms WASHINGTONU.S. Citizenship and Immigration Services ( USCIS ) will publish a final rule on XX/XX/XXXX that makes a number of significant changes to its EB-5 Immigrant Investor Program, marking the first significant revision of the programs regulations since 1993. The final rule will become effective on XXXX XXXX, XXXX.