davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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. (MA)

XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act ; the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( i did not give written permission ) 15 U.S.C 1681c. ( a ) ( 5 ) Section states. no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WESTERN CONTROL SERVICES, INC. (CO)

Doctor billed wrong insurance and called them. I was on XXXX and they bill my old insurance.. The Doctors office said at the time it was taken care of. In the coarse of getting a home loan, my credit was ran. The collection was on there twice under two different names of collection agencies. Both refused to remove when report. We sent in dispute with the credit report and finial one of them was removed. Reached out to collection agency because the doctor is dead. The doctors office can not fix the error. They will still not remove and has cost me so much money, time and stress. I do not owe this and they said even if I paid them they will not remove it. They have been rude and degrading to my lender, mortgage broker, real-estate agent and myself. laughing and hanging up on us.
Consumer complaint received 2021-04-13
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)

There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX  XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX  XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXXXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00}
Consumer complaint received 2019-01-12
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. (KS)

Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

I have had a Wells Fargo credit card for almost 2 and a half years. It's a secured card. When Inopened the account, I was told the would be graduated to an unsecured card after 12 months of ontime payments and the balance is paid in full every month. I did that for 18 months straight. When they were questioned about why it had not graduated, 3 different reps gave 3 different excuses. I finally quit paying the balance in full every month because they kept giving me excuses. I even got an unsecured card from XXXX XXXX XXXX for the same limit as my Wells Fargo secured card. Furthermore, they have increased my limit by {$100.00} 2 months after getting the card. Yet, Wells Fargo refuses to graduate the card. This is false and misleading so they can keep and pocket the security deposit or not pay the interest on the deposit as they had promised. Finally, there have been times where Wells Fargo does not report it to my credit bureaus unless I complain. This needs to stop before I contact a lawyer and go to all of the media outlets. The reps have even been rude and abrasive when questioned about these issues. One rep stated if I don't like it, they can close the account and I can go somewhere else!! Really??!!
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I recently have closed my Capital One account 3 times. I have spoken to and received confirmation numbers that my balance was XXXX as of the minute I paid it. These conversations were all recorded by Capital One. 
XXXX attempt : XXXX paid balance shown on statement XXXX attempt : XXXX on XXXX XXXX interest charge XXXX attempt : XXXX on XXXX XXXX interest charge I cut up the card after the first payment. It was the balance online. Second for interest to the minute over the phone. The same for the third. I was assured the last time was totally paid in full and there would be no further charges. Yesterday as I checked the account there is a balance of {$82.00} again for interest. I really dont understand how they can keep charging interest on a XXXX balance. Or why this is difficult for them to just close it!
Consumer complaint received 2018-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have, in the past, applied for mortgage modifications with Bank of America On numerous occasions since XXXX only to be denied. I recently paid close to 12k in cash in approximately XXXX of this year to pay down my balance and have a final balance of {$3400.00}. I have missed XXXX and XXXX payments due to unexpectedly replacing my roof and emergency repairs to my heating system. My tenant also broke a lease unexpectedly and moved in XXXX. I have called Bank of America and  requested a workout plan k my to again be denied so that they can push me into foreclosure and attempt to take my home for a mortgage balance of less than {$4000.00}. They refuse to provide phone numbers for the Presidents office to provide assistance and allude to the fact that they can start foreclosure proceedi vs at any time over a {$3400.00} balance. I have assured them I can make full payment of my regular mortgage in XX/XX/XXXX if the government does not shut down as I am a government employee which wou.d reduce my mortgage balance to under {$3000.00} but XXXX and Supervisor XXXX Had an said adamtly no there is nothing they can do. BOA has repeatedly denied my modification requests in the past by saying my income is insufficient but it strange that I have made my mortgage payments in excess of 23 years as well as paid them a lump sum of {$12000.00} towards the principle in XXXX/XXXX of this year. This proves outright that BOA is consistently trying to take my home to profit from it and offering no assistance on a {$3300.00} mortgage balance that would be paid off over a period of maybe 3 months. I believe they are committing consumer fraud by not acting in good faith.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

My account was closed for no reason by Chime bank. Allegedly my Account does not comply with internal policies and/or the member agreement. I ask for details, yet i am denied any further explanation. 
They closed my checking, savings and credit builder cards on XX/XX/2021 at XXXX. All my funds have been kept by Chime bank. I am struggling to get my life back together after pending divorce, child custody, eviction and covid. Now this, This is not right, they took all the money I had. Chime bank is a fraud, they prey on citizens just trying to make it through the day without banks like Chime robbing them blind.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I opened a CHIME Bank account to manage a graduation event for resident physicians in XXXX. Because of COVID restrictions, our department couldn't pay for food at events. So I collected donations from other faculty in a XXXX  account and transferred them to the CHIME account. The amount raised was close to {$7000.00} and most were small donations of {$100.00} or so. Then, as the residents went about planning their own event, I texted them amounts of money to reimburse them when they showed me receipts. The text to pay was a main feature of why I used the Chime Bank in the first place. Occasionally, I was able to pay for things directly such as the venue. I received an email saying that they suspended my account because of suspicious activity. I provided them an explanation that was more extensive than the above. Also, I provided a lot of receipts and my proof of address. I phoned to follow up a week later and they informed me that I sent that information to the wrong address and I resent it all to a separate one. Then they responded saying explain the cash payouts and I did that again. I was not able to look at the account as it was disabled to find out which payments they didn't have or which ones they were concerned about. I tried to call and they wouldn't discuss this and later blocked my number. Then they closed the account as they said that it violated their internal policies. I was unable to identify these policies and they referenced information that did not mention anything about a limit on text payments. Further, they would not refund any of the money left in the account. Because I can not see the account any longer, I'm not even sure how much was left in the account. It's close to {$1500.00} or so. I'm fine with them closing the account I guess, but I'd just like the money back.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MO)

I hired a service and the merchant charged me {$560.00} on XX/XX/XXXX. They did not complete their agreement and per our contract owed me a refund. I attempted to contact them multiple times with no success. I contacted the bank on XX/XX/XXXX and opened a claim. The merchant then reached out and agreed if I closed the claim they would refund. I did so on XX/XX/XXXX and the merchant never refunded me and has no completely ignored me. I have contacted the bank 8 times regarding this and they have advised me the merchant received the money back they took out of my account but will not re-open a claim. This claim was not settled and this is my money. Chase Bank has refused to rectify by opening the claim that was not settled.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been working on this issue for months and sent a letter in before about this. I sent multiple requests and transunion keeps responding for me to verify my identity. Its me and I send in all the documents requested. I even reached out to the creditor and I haven't heard anything back in months. Please remove the following accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern : I am writing this letter to dispute the results of a previous investigation made by your bureau regarding my credit report. I do not agree that a full investigation was made into the account reported by XXXX XXXX XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how the account was validated, the representative from whom the validation was obtained, the name and contact information of the company, the phone number, the last day of delinquency, the last date of activity, and whether they are properly reporting under my FCRA rights. 

I understand that the account reported by XXXX XXXX XXXX is a past-due amount, but I do not have an open account with this collection company, and I was not provided an original validation with my signature. Additionally, XXXX XXXX XXXX is actively charging off the account, manipulating payment history, and is in violation of the FCRA. 

Therefore, I demand that these accounts be removed for these violations, and if your bureau can not confirm that every piece of information is 100 % correct, then I demand that it be removed from my credit reporting. 

I am requesting that you investigate this matter promptly and provide me with a written response within 30 days of receiving this letter. Please also send me a copy of my updated credit report reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

PayPal decided to put a limitation on my account on XX/XX/2018. I was told after a review of some transactions, my money would be usable and I would be able to continue doing business with PayPal. I immediately complied to their requests and provided all available documentation for the transactions as recommended. I receieved no word for over a week. I called their offices to determine the status of my document processing, which I was told it had not even started yet! I did not realize a phone call had to be made to submit a form online. I was told I would have to wait an additional week to have a representative review my case. One week later. No reply. I followed up once again and was told it would be no later than 1 business day. 4 more days later, I was told I would no longer have access to my funds for 180 days. I am a XXXX XXXX and PayPal has provided no information to me as a user as to why I am not allowed to access my money or send funds to others. I am looking to resolve this by being able to withdraw the {$500.00} balance that is held in my account for up to 180 days since PayPal ( the firm ) is unwilling to extend their business with myself further.
Consumer complaint received 2022-07-26
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. (AZ)

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00XXXX XXXX XXXXXXXX XXXX Balance : {$570.00}
Consumer complaint received 2022-07-26
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. (AZ)

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$570.00}
Consumer complaint received 2021-04-14
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. (TN)

Failed to comply with the FCRA provisions regarding blocking accounts that resulted in ID theft. Also refused to acknowledge the FTC report as well as the FTC as being an " enforcement agency ''
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.