davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
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. (PA)

I noticed while preparing to buy a home that I had a lot of activity that I didn't sign off on I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I have been writing in about this issue for a while and I am at a loss. once I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Account Name : XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account BalanceXXXX Account Name : XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$6200.00} Account Name : XXXX XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$4000.00} Account Name : US DEPT OF ED/XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$21000.00} Account Name : XXXX  XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance : {$12000.00} Account Name : US DEPT OF ED/XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name XXXX XXXX XXXX  XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (OH)

I have a a unverified account from THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUSXXXX   Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE BUREAUS -XXXX  Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _THE BUREAUS -XXXX________ Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo : I paid this account with cash, In Full at the XXXX XXXX @ XXXX XXXX location in XXXX, Tx. Several years ago, I handled this in person and was promised it would NOT be a derogatory item on my credit report, thereafter. 

I am trying to buy my first home, and this needs to come off of my credit report ASAP. 

Thank you
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

YOU ARE REPORTING THIS COLLECTION AS AN " OPEN ACCOUNT, '' WHICH IS NOT UNDER FCRA COMPLIANCE, AND THERE IS A 120-DAY LATE PAYMENT. THIS IS INACCURATE REPORTING AND IT NEEDS TO BE REMOVED IMMEDIATLEY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THIS COLLECTION IS DELETED AND HAS BEEN REMOVED. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (IL)

American Express responded to my CFPB complaint on XX/XX/2021 accusing me about having another American Express account that was not maintained in accordance with the terms of the cardmember agreement which is why they closed my personal credit card and gold card. First off, I never authorized American Express to close any of the extension of credit I gave to them. Next, American Express shared my personal information ( name, home address, phone number, account number and more ) to multiple non-affiliated third-parties known as a person or debt collector such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent. Each debt collector has attempted to communicate to me by mail or phone. None of those persons or debt XXXXollectors were present during the initial consumer credit transaction when I extended a line of credit to American Express and when American Express entered my credit back to me. American Express gave, placed, or referred my information to a person also known as a debt collector that I do not know of to collect an assume debt. See the following attachments for proof. American Express sharing, placing, referring, or giving my personal information away to a person or debt collector that I do not know is IDENTITY THEFT. Finally, American Express did not pay me my remedy for violating my consumer rights more than 25 times. I have added a new invoice in the attached with your new balance to pay me for violating my consumer rights. American Express, I want you to pay me my REMEDY, next stop & delete all accounts from any reporting agency, then stop & delete all non-affiliated third-parties, persons, and debt collectors from contacting me, cease and desist all communication with me ; all in that order.
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

PayPal issued a refund from my account to a buyer for an item that I sold on XXXX. Even though XXXX previously denied the buyers request for a refund due to signs of fraud, being attempted on the buyers behalf. The buyer waited a few months and contacted XXXX   and was able to successfully conduct a fraudulent refund based on PayPals practices. Which are a breach of XXXX  policy to detect abusive tactics from both buyers and sellers on its platform. This is why XXXX closed the case months earlier when the buyer made his first attempt to scam me, the seller ( out of my product, and the payment that was issued to my paypal account ) for the product I sold. When I noticed that this was a scam I immediately alerted XXXX that PayPal was holding my funds and that I suspected this was a scam on the buyers behalf. XXXX escalation department examined the case closely, and agreed that this was an attempted scam on the buyers behalf. PayPal was notified and released the funds in my account. If PayPal had already been notified about this scam from this buyer. Why did they issue a refund to this buyer who was clearly a scammer? Pay pal refunded the money without proper evidence, and at my expense. I lost merchandise, the payment, and gained a negative point on my credit score ( for a  negative balance of {$460.00}, because of their poor customer support practices, and conflict of interest policies.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Around XX/XX/2017 my checking account got frozen and they told me that it was fraudulent use but they seized all my money and close my account that was {$3300.00} I've been talking to the bank they've been treating me like I'm a lowlife talking to me like very disrespectful hurting my feelings and keep sending me a letter that I haven't took a picture of for you saying that they're working on it and it's it and it's been almost a year now
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Received an email at XXXX on XX/XX/year> stating my PayPal account has been deactivated. 

My balance of {$930.00} is not accessible. 

Contacted customer service twice and did not get any answers. They said it may take 4 months for my funds to be released.

I need the money to pay my rent and bills! I need to transfer to my bank immediately.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (MS)

on XX/XX/2021, i sent a letter to MIRAMED REVENUE GROUP , LLC about a alleged debt of XXXX that i dont owe that MIRAMED REVENUE GROUP , LLC are reporting on my credit report.it is inaccurate and needs to be deleted. i sent the letter usps ceritifed mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Tue, XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

Someone claiming to be from American Express continually calls my phone number, looking for someone named " XXXX ''. Apparently " XXXX '' owes money on a credit debt. I am not XXXX, and I have never had an American Express card before. Even after I told these people that I am not XXXX and there is no XXXX at my number, they continue to call daily. I block them but they use spoofed numbers over and over to try and trick me into answering. They get very nasty and threatening over the phone and I want this to stop.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

Experian is reporting XXXX XXXX XXXX on my credit report. The have declined to remove this name because they are indicating it is part of my credit history. There is no where in my credit history that refers to XXXX XXXX XXXX I have received a copy of my credit report from XXXX XXXX XXXX XXXX   and Experian. Experian is only reporting this name under my personal information. I need them to provide the source from where they obtained this information other than sending me an automated response. I need to have this removed and need to contact whomever is reporting this inaccurate information so it can be removed. Can you please have Experian provide the source so I can contact them directly.

Thanks
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Cap 1 Auto reporting incorrectly.

Account is paid as agreed. They're reporting it as 60 days late. 
Cap 1 is reporting 12 x 30 late payments. This is incorrect.. 
XX/XX/XXXX to XX/XX/XXXX -- payments were made on time XX/XX/XXXX to XX/XX/XXXX -- -payments were made on time Missed payment was XX/XX/XXXX. This was a processing error. 
Payments were paid on time. Due to the processing error -- Cap 1 marked on time payments as rolling lates. 
The issue was finally corrected in XX/XX/XXXX. 

Timing is an issue. We looked to correct this. We are unable to and need some assistance. While they 'research ' this, we are unable to get complete the sale of our home and the purchase of a new one.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: XOOM CORPORATION (KY)

On XX/XX/2020. I had my {$1700.00} that was on my unemployment debit card, somehow wired transfer from a company who I have never heard called Xoom. The company send me back {$700.00}, because they said it was pending so they were able to return it. Now they are telling me that they wont be able to return my other {$1000.00}. I dont understand why they wont give me all my money back.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In XX/XX/XXXX I received a correspondence from SLS dated XX/XX/XXXX that our account was in potential or existing default and a case manager had been assigned. I immediately contact SLS who stated the letter was sent in error. Another customer with a similar address should have received the letter. I asked for something in writing stating the correspondence was sent in error and told the rep could not do that but the account was noted. A week or so later, we received an additional letter, also dated XX/XX/XXXX, again stating that we requested mortgage assistance and our house was being sold via short sale. I immediately contacted SLS and again told this was sent in error. Our account was noted on XX/XX/XXXX that the letters were inaccurate but not from my original call a week or two prior. Again I requested something in writing stating this letter was inaccurate, especially because this was the second correspondence stating we wherein default and our home was being sold. I was told they would not and could not provide me with anything of the sort which at this point is unacceptable. 

We have never been late on one mortgage payment and feel are being targeted and penalized by what we can only assume is a predatory loan servicer/lender to try and take our home.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

XXXX was the original creditor imposed data charging for internet without notification then tried to collect. account as been sold several times to different collection companies after being disputed and removed from credit. now credit management company is claiming I owe them money and as ruined my credit with there false collection account. Ive never been in any business with said company
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

Hello, I originally made an appointment for a manicure pedicure with XXXX XXXX XXXX XXXX  in XXXX on XX/XX/XXXX at XXXX. 
XXXX hours before the appointment I sent an email canceling my appointment on XX/XX/XXXX at XXXX XXXX. Their policy states that if you cancel with a less than XXXX hrs notice, they only charge half of the total cost. The total was {$130.00} so they should have charged {$67.00}. 

On XX/XX/XXXX around XXXX I see a charge on my card for {$130.00}. I called the nail salon to see if they could rectify their mistake and they were very XXXX and said that my email went to spam folder so they didnt see it and they refuse to refund me the {$67.00} they unauthorizedly charged. They charged my card in XXXX which breaks their policy. When I put my card number I did it based on this policy so this nail salon is committing fraud. 

I contacted my bank CHIME Multiple times through phone calls and mail and after sending proof like my email canceling the appointment and a screenshot of the nail salon cancellation policy they denied my claim XXXX. I asked for documents stating why they denied my claim and all they sent me is an email with some illegible handwriting. I called chime again and the team member couldnt even read the explanation. Just said that it was denied and he had no more proof. 

The first email I sent to chime with proof for dispute process was on XX/XX/XXXX after finding out my claim was denied. 
The second email with the same proof was sent on XX/XX/XXXX I think it is unfair for the nail salon to break their own policy and charge my card for an unauthorized amount. It is also very upsetting that Chime hasnt been able to solve my problem after evidence from my side was provided, and they havent been able to provide me with any substantial evidence of why it was denied. 

Attached is the cancellation email I sent and a screenshot of the salon policy. 

Im also sending screenshot of my claim being denied twice and the investigation result sent by Chime. 

Thank you, XXXX XXXX
Consumer complaint received 2022-01-09
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. (TX)

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN
Consumer complaint received 2019-03-22
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: BARCLAYS BANK DELAWARE (FL)

I have been disputing a charge on my XXXX XXXX Rewards credit card. I first reported the charge in XX/XX/2018. I have sent several correspondences and have called the credit card company on several occasions. Today they are telling me that I am responsible for the charge because it is out of the allotted time to file a dispute. The credit card has reversed the provisional credit and have changed me with a late fee on that of that.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On XX/XX/2022 I sent certified mail to this person and have my receipt to prove it. I made this person aware that they are in violation of federal consumer laws. They are reporting false and inaccurate information to consumer reporting agencies. They have violated my rights as a consumer and have broken multiple federal laws multiple times! They have had ample time to delete this account and cease reporting it to consumer reporting agencies. This person is obligated to operate in accordance with the law.
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (GA)

I mailed a Multiple inquiry Removal Letter on XX/XX/2018 by certified mail in order to dispute information, in regards to 6 hard inquiries, that was being reported on my credit report. They received the letter XX/XX/2018 and they completed the request on XX/XX/2018. The request that I submitted included 6 hard inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate  and respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (IL)

I mailed a letter through the USPS Certified Mail, to request my consumer file, a security freeze, and information deletion. The letter was delivered on XX/XX/2022 according to the tracking number. They are supposed to respond within five days indicating receipt of my letter. I have yet to receive : my consumer file, a letter confirming that a security freeze has been placed, or a letter confirming deletion of my information from their files.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HireRight Solutions, Inc. (AZ)

Due to Hireright I have not been able to start working any jobs on the original start date. XXXX took three months. So I worked at XXXX  that paid less. It took two months to complete my background check for a temporary assignment with XXXX XXXX XXXX I had to get rental assistance, a pay day loan, and I almost lost my car. Now a permanent job at XXXX XXXX is doing a less stringent background and somehow the background check is again taking long enough that my original start date of XX/XX/XXXX wont work. Now I am looking at starting XXXX XXXX XX/XX/2021 due to Hirerights inability to complete my background check in a reasonable time. Due to Hireright I cant get a job without missing the original start date. I just want to get back to work.