davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America offered me a loan modification whereas I was supposed to make 3 trail payments of {$280.00} for XXXX, XXXX and XX/XX/2018. I sent each monthly payment ON TIME and completed the trial payments. But when told that my payments would only be reduced by a few dollars, I declined the modification and sent the difference to restore my payments to the original amounts of {$300.00}. 

Bank of America held those payments instead of applying them ( as you will see on my statements ).  Then they reported the payments late to their own collection department and to the credit reporting agencies. I have called them several times to resolve the issue, and sent letters by mail, and by fax ( which I still have proof of ). I was told to give them time to correct this information. But it's been over a year now. 

While applying for loans to lower my rate, I've discovered that this incorrect information about late payments is still showing on my credit reports. I am trying to get it removed by contacting the 3 agencies separately. But this information has prevented me from being approved for loans.
Consumer complaint received 2018-05-07
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: CITIBANK, N.A. (CA)

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of  COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

Accounts XXXX XXXX  XXXX, XXXX  XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2022-12-28
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent a letter to Capital One on XX/XX/XXXX with a USPS Tracking # of ( XXXX XXXX XXXX XXXX XXXX ) which they received on XX/XX/XXXX. In the letter I asked them to validate a debt being reported on my credit bureau report according the the Fair Debt Collection Practices Act. However I never received a response of them validating the debt.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE CONTACTED EXPERIAN AND THEY STILL WILL NOT CHANGE BARCALY CARD TO PAID STATUS WHERE IT SHOULD BE AND STILL WILL NOT REMOVE XXXX ACCOUNT OFF OF MY CREDIT REPORT AND OTHER CREDIT REPORTING AGENCIES BECAUSE IT IS NOT MINE AND MY CREDIT SCORE IS STILL LOW ON ALL CREDIT REPORTS IT SHOULD BE ALOT HIGHER THAN XXXX WITH ALL THE PAID ACCOUNTS. CAN SOMEONE PLEASE HELP ME I AM TRYING TO GET INTO AN APARTMENT.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TN)

I have suddenly had a collection item from Paramount Recovery Systems appear on my credit report stating I owe a balance from an emergency room visit over 5 years ago. I have never received anything from this collection agency and this charge was disputed directly with the original company 5 years ago because it was not billed correctly through my insurance. The date of the visit was XX/XX/15, and I went to the ER after slipping on ice after winter weather because of concerns I may have XXXX XXXX XXXX. My insurance, the same policy I have had for 10 years, covers all emergency room visits resulting from an accident at 100 % with no copay or deductible. Since my visit was due to an accident, had it been billed correctly to my insurance, I should have owed not even a single XXXX. I received a bill from XXXX XXXX XXXX XXXX for {$350.00} resulting from the visit. I disputed this directly upon receiving the bill and never received ANY response and never heard anything or had this show up on my credit until suddenly receiving notification of this erroneous balance with a collection agency on my credit report more than 5 years after that ER visit. I have disputed this with the collections agency, Paramount Recovery Systems, and the only response is that this is a valid debt. However, it is invalid because the original billing done by XXXX   XXXX XXXX XXXX was not sent to my insurance company with correct information. After looking into XXXX   XXXX XXXX, it became clear that they have an obvious pattern of fraudulent billing practices due to dozens of complaints over the exact same scenario of insurance companies not being sent accurate billing information.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX I made an error and transferred {$360.00} from my PayPal account to XXXX XXXX. I immediately noticed the error and contacted XXXX and they agreed to issue a refund. After a few days I didnt see the refund and again contacted XXXX who advised they sent the refund and to contact PayPal . I contacted PayPal many times before getting a response where I explained the issue. I believe they wrote down notes and advised they would look into it. Days later still no response from PayPal. I again contacted XXXX and they advised the refund had been issued and to speak to PayPal. Again many attempts to get a person to help me was unsuccessful. I called and messaged without response or I got the BOT response someone would get back to me. I repeatedly asked for a supervisor to no avail. I am extremely frustrated at this point as {$360.00} is alot of money for me as Im on XXXX income. On XX/XX/XXXX I received a refund for {$1.00} which was deposited into my PayPal. I quickly contacted XXXX who advised they had sent me the entire amount of {$360.00}. They advised contact PayPal. Again many calls and messages were sent with PayPal saying that I accepted the {$1.00} refund and they cant do anything else. I didnt accept this it automatically was deposited. Many attempts to get PayPal to understand this problem and I was finally advised my original dispute was amended and I should see the refund. I even received a case closed notice saying the dispute was closed in my favour for {$360.00}. I still have to received my refund and again PayPal is saying that nothing can be done. I went back to apple and they advised if PayPal would do a charge back they would reissue the refund. PayPal has refused to help me any further and said contact my bank. At this point the bank said they cant help as too much time has passed. PayPal is refusing to help me XXXX has said they will refund if PayPal does a chargeback. Im so upset and frustrated that PayPal can just ignore my problem I dont know where to turn. I have attatched correspondence a lot of which was done by the messages system PayPal uses. Please can you help me?
Consumer complaint received 2022-11-03
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.
Consumer complaint received 2020-07-29
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. (KS)

Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from XXXX 2019. 

I have no idea what they're talking about and was unable to find anything within my XXXX, Transunion, and XXXX credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two. 

What can I do?
Consumer complaint received 2018-05-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2014, this debt for XXXX & XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2022-11-03
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello my name is XXXX XXXX. I am filing a complaint against CAPITAL ONE BANK I felt like I was blindsided by them, not being treated fair and they are not trying to give me the help I need. I wasnt able to pay my credit card bill two months into XXXX because the expiration of my visa. By XXXX of XXXX I call the bank because I didnt want to lose my credit card. I spoke to someone I honestly forgot her name she told me if I start paying the minimum which is XXXX I wont lose my account and they will take off the restrictions so my mom started paying the bill for me. In XX/XX/XXXX I paid XXXX and in XXXX I paid XXXX. I got a letter in XX/XX/XXXX stated my account is up to date. I miss the payment on XX/XX/XXXX, but just paid the bill in full on XX/XX/XXXX which is XXXX. My account still remain restricted. I call capital one and they are telling me because I paid the bill in full the. 
I cant use my card anymore the restrictions wont be lift and I need to throw away my card and the manager told me this. I was very frustrated because it was never stated in the mail they send me this will ever happen and even when I call no one said my card is not valid anymore. I still have access to this account so I was so confused when she said they wont be giving access to my credit card anymore. I paid the bill in full to save my credit card I didnt want to lose it, I kept in contact with the bank because I really didnt want to lose my card. My account is still open but it said its restricted. In the letter I have nothing state that when I pay my bill. The bank will take the money and the credit card. She kept on forcing me telling me they were warning me but its not true because I have all the letter and I kept in contact with the bank. She was forcing that it was stated in the letter and Im going to upload the picture theres nothing stating my account so shut down or I wont be able to use the money every again nothing like that.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

Western Union has promoted and has made known through their website that money I will be sending will be available in minutes. They are somehow delaying the transfer, when my family overseas need it the most. I have transferred an amount of less than 100USD. I talked to their Customer Service and they tell me to wait for the whole day for the transfer to complete without even giving any reason as to why whatsoever. I chose the service because of their promise of swift transfer in minutes, yet they did not comply with their own terms. I would understand if they gave me a understandable reason for the delay, yet there was nothing coming from them, they just wanted us to wait. I wouldn't have chosen the service if that were the case. They even suggested that the receiver to travel to a nearest local agent location to receive the transfer, which would make the receiver spend unnecessary and significant amount of money, effort and most importantly time, which we are short of. 

Transfer Tracking # ( XXXX  ) : XXXX XXXX XXXX
Consumer complaint received 2021-05-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I contacted the lender and they agreed to delete the debt after making a payment of {$480.00} but they have not deleted the account as stated in the email they sent me. 

The email and proof of payment is below.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
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: Critical Resolution Mediation LLC (OK)

I was contacted on XX/XX/2018 By a company that said they were collecting on behalf of XXXX XXXX. I once had an account with XXXX and it had been paid off. Come to find out after looking at XXXX XXXX I owe them {$81.00}. 

This woman XXXX from Critical Resolutions Mediation or XXXX XXXX XXXX as per my bank statement ... she started rattling off my personal information. All the address I have ever lived at, my social security number, my date of birth, my drivers license number. They said they were in the process of suspending my license with the DMV and going to press felony charges against me and also garnish my wages by XXXX XXXX  because of this debt I owed to XXXX. I supposedly owed them {$1600.00} but they would settle for {$800.00} to keep me out of jail. I never had a call like this and believed them because they new all my personal info. Said if I wanted to see my kids again, that I would settle this up before I hung up the phone or they would process all this paperwork. 

After falling for this SCAM, I googled the company XXXX XXXX XXXX out of XXXX GA, and also Critical Resolution Mediation in XXXX NC, and both companies came up as a scam. I didn't know that debt collectors couldn't threaten you, I have never had a debt. I didn't even know this was on my credit until I checked this morning. 
When I checked my credit report XXXX did show up with {$81.00} and the debit collector was XXXX XXXX XXXX out of XXXX KS. Not these con artists ... 

Anyways they took my credit card info and said I had to make 3 payments to pay off the {$800.00}. They took the first payment already and I tried to get my bank to stop it and they can't. 
Please don't fall for this scam as I did. Now I'm out {$270.00} and I hope they find the horrible people that rip people off. 
These are the names, email address, and phone numbers that harassed me. They even called my children on their cell phones at school and told them I was going to go to jail if I didn't call them. 

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX is who initially called me XXXX The lawyer that threatened me and my kids XXXX XXXX XXXX ext XXXX The name listed on the receipt of my payment- XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (FL)

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX  XXXX XXXX XXXX  to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Consumer complaint received 2018-05-07
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

To whom it may concern, For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. Chexsystems has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified Chexsystems of this in good faith with the hopes they would rectify this issue. Chexsystems in bad faith has refused to remove these accounts out of my name.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please verify and validate debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXXXXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX, XXXX, Transunion, XXXX, etc. Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this matter.
Consumer complaint received 2018-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (TX)

My husband lost his job and was out of work for a while. I'm under doctor 's care and unable to work. I called GM Financial to ask for a deferment, after the deferment I was still unable to make the car payment because we had gotten behind on other bills such as rent and utilities and had to apply for government assistance for food stamps. I called GM Financial on XX/XX/XXXX, I spoke with XXXX in acceleration department where they do the repossessions and her ID XXXX, XXXX told me that not only were they going to repossess my vehicle but that they were going to garnish my wages and garnish every single income tax refund that we get until the loan is paid off. I told her that in Texas that was against the law, she said it would happen anyway. I asked her if this is being recorded because she's incorrect and she said yes it is being recorded and we're going to repossess the vehicle.