davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
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. (AL)

I have reached out to this company 6 times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC Opinion. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with transunion and open with XXXX. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX TransUnion XXXX XXXX Account # Account Type Open Open Type Detail XXXXAccount XXXX XXXXXXXX  XXXX Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK OK High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on PROGRESSIVE MGMT SYSTE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (FL)

On XXXX XXXX I sent my daughter {$1000.00} through googlepay. Unbeknown to me, my daughter had closed her google account and also the credit card associated with the account. Googlepay deposited the money in her CLOSED account anyway. She can not access the account since it it closed. I have sent several emails to the company and also sent a letter to the corporate offices. I have not received a reply from corporate. The emails are attached.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Last time I complained about overdraft fees the companies responce stated they were lowering the charge to XXXX dollars, and no more than 1 fee per day. They did not honor their word.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Conn's, Inc. (TX)

Contacted the company regarding apparent debt starting in XX/XX/2016.I 've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response.I sent validation letters via certified mail to ensure that they would be received.An insurance claim with the company 's insurance was made regarding furniture that was purchased from company, furniture was lost in flooding and an insurance claim was then made which covered the balance left. I have been called numerous times over the past 2 months regarding someone delivering paperwork to my home which caused concern for my saferty due to the consistent harassment from this company. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Senex Services Corp. (MO)

XXXX XXXX XXXX XXXX in XXXX XXXX continues to incorrectly bill me for procedures. XXXX XXXX XXXX XXXX has paid this bill and I do not owe any payments. They have repeatedly submitted fraudulent bills to me and now it is on my credit report. XXXX did a full review of my accounts and everything Ive owed had been paid. Ive had this recurring issue with XXXX XXXX and XXXX XXXX XXXX since moving to XXXX XXXX. Currently I am being harassed by Senex for {$300.00} that I do not owe. Ive disputed it and they do nothing about it. XXXX and XXXX XXXX have communicated but XXXX XXXX still sends fraudulent bills to me and the credit agencies..
Consumer complaint received 2021-12-04
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)

I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I have disputed an account that they have had on my credit since 2017 for a charge off. Additionally, they report it as a new charge off every month. I have asked for validation of debt and never gotten it and they will not take it off of credit. There is around 55 charge offs for the one account. I'm currently going to court over the issue now. Company is Experian credit bureau, XXXX XXXX XXXX XXXX, Texas XXXX.
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (DE)

I am showing that I have a debt with XXXX XXXX XXXX XXXX {$1000.00}. The problem is I never stayed at a XXXX XXXX or visited a XXXX XXXX, I have disputed this charge over and over and it has yet to be validated I do not believe this is a valid debt. I have always either had insurance or medicaid and this has never been billed to either one. The only reason I know about this is because it keeps showing up on my credit report I have no account number or date of service. All I can provide is a screen shot where this debt is showing as a collections account with Choice Recovery INC. How can a company just randomly add a medical bill that I have no idea about to my credit and never send me anything in writing
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

Third party agency furnished an account for me using my personal identifying information. Which is identity theft! 

There is no binding contract between me and this third party agency. 

This agency is also participating in solicitation as my personal information was sold to them or transferred. 

Pursuit 18 U.S.C. 1029
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I told Experian, XXXX, and XXXX to reinvestigate these accounts all the accounts that were listed in my first claims. however, they stated everything was complete and accurate but on all reports Im not wrong open dates. Dates of last activity are incorrect accounts number are wrong and according to 15 U.S.C 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly. Ive also stated in the claims, they have violated 15 U.S. C1681 section 602A and 15U.S.C 1681 section 604A and 15 U.S.C1681 section 604A. I have disputed letters Ive send emails, affidavit sent, and invoices have been sent to the collectors as well. I have all reporting all my evidence that I need all documentations all receipts from when everything was mailed and email for my case.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was undergoing financial forbearance do to the lack of work after contracting XXXX in XXXX and was cleared by the doctors XXXX. I was working part time and making automatic payments with my creditors and they are saying I missed two months XXXX and XXXX. I have made on time automated payments for two years and 4 months but now due to the crisis the system must have been glitched because I have been able to pay off my over one forth of my balance. I do not recall ever unregistering my autopay.
Consumer complaint received 2020-10-30
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. (MI)

Beginning on XX/XX/2020 I made many attempts in resolving the fraudulent and inaccurate information being reported from XXXX  and Experian regarding fraudulent XXXX Credit Card with account # XXXX and address XXXX XXXX, XXXX, MI XXXX. Yet XXXX  and Experian continues to state the account and address is verified without yet providing me proof upon my request.
Consumer complaint received 2021-02-10
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. (MO)

Equifax ; XXXX  and XXXX  should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-06-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX Capital one took 2 payments out of my bank account. I stopped payment on one and had it returned. In XXXX, I made my payment like normal. Assuming it came out. I went to make my XXXX payment and it said they did not receive my payment that it was returned. I pulled my bank statement up. There was no draft attempted. I called Capital One they said my bank rejected it. When I called my bank bak they said the reason they rejected it was because I stopped payment in XXXX when they double drafted. Both situations were of no fault of my own. I submitted paperwork and they would not remove the late payments. In additional on one credit report it states 60 days late in XXXX and XXXX and on the other 30 days. All should be pays as agreed and not late.This was Capital One and the banks fault not mine and I have the documents.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX I found BOA new account bonus information online as attached and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX verified the information I provided and opened a new check account for me, and told me I need to make direct deposit more than {$4000.00} per month to get {$300.00} bonus after 3-4 direct deposits. I have set up direct deposit $ 4200 monthly at the end of XXXX as attached. In the middle of XXXX XXXX XXXX XXXX me the promised bonus was on the way. I saw {$100.00} bonus on XXXX XXXX other than {$300.00} as attached and I made an appointment with XXXX. Last Thursday - XXXX XXXX, I told XXXX XXXX I only received {$100.00} which is a new account bonus, Mr.West seemed to try to find out what's going on. A lady who I guessed is in charge told me the bonus information was not true and I was told that the online AD was not from BOA. And then she printed out something for me as attached, obviously it is different from what I found in XXXX. After I showed her what I saw online back to XXXX, she told me that she would file a complaint for me to higher level, but I could not get {$300.00} as Mr.West promised in XXXX. 

My concern is that the bank should keep what they promised. The relationship manager XXXX XXXX should have told me from very begining if the information was not accurate. But XXXX XXXX kept promising. The bank should honor what the bank staff promised to the customers. 

I ask for {$300.00} bonus as promised from BOA. 

Thank you!
Consumer complaint received 2022-06-10
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 ()

On XXXX of XX/XX/2022, My paypal account got shut down without any warning whatsoever..just out of the blues I received an email informing me that my PayPal account has been permanently closed. They said the reason for closing the account is because I had continually filed cases that do not align with paypaos 's buyer protection policy. This was clearly a mistake because my account has not filed any single case since ir started operating so I was quite shocked. 
Paypal email address is " XXXX ''.
Consumer complaint received 2022-02-03
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. (TN)

I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this complaint.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.
Consumer complaint received 2022-06-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ; XX/XX/XXXX XXXX Balance : {$5400.00} ; XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly told credit agencies for years I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX this has been going on for over 10 plus years now and I am quiet frankly sick of it. I have lived in the state of Georgia since the day I was born I have never lived in another state. I have enough paper trail that in court of law would prove I have always lived in Georgia and no where else!!!! Almost XXXX  year Ga resident no other state!!!!!!!!!!!!
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I reported a scammed XXXX transfer with Bank of America. There are two transfers, one of the amount {$3500.00} on XX/XX/XXXX, and another of the amount {$400.00} on XX/XX/XXXX. It was a fraud/scam because this was the money for a landscaping contract but the person never had the service done last year because she claimed she was caught by COVID and could not start the work right after the transfer. Then she told me that she would resume the work this year in XXXX spring, but then she never replied my message or call this year whenever I tried to ask when she was going to resume the work. Then I reported this Fraud/scam to Bank of America XXXX and requested for refund of the scammed transfer. However, Bank of America refused to do that and claimed that there is some protocol with XXXX they have to follow. Therefore, I am submitting this claim hoping that CFPB could help facilitate me to get the refund from Bank of America.
Consumer complaint received 2021-12-04
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. (CA)

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.