davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts : Reason : Tangible Proof Needed From Creditor ASAP XXXX XXXX XX/XX/2018 To whom it may concern, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5.
Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/XXXX I purchased XXXX merchandise and returned the items on tracking number XXXX. I provided PayPal with XXXX and email confirmation from XXXX confirming receipt and credit issuance on XX/XX/XXXX. PayPal reverse the merchant credit provided to my account on XX/XX/XXXX XXXX
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc. (NV)

I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft.

Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I deposited a check for {$100.00} ( # XXXX ) drawn on XXXX XXXX to my Bank of America checking account - account # XXXX. The receipt stated that funds would be held until XX/XX/XXXX. The funds were available in my XXXX account because I received my paycheck by direct deposit in the amount of {$2400.00} on XX/XX/XXXX ( see attached document from XXXX XXXX   showing the direct deposit ). 

The deposited check cleared on XX/XX/XXXX ( see attached photo of the cancelled check ). I called Bank of America on XX/XX/XXXX to explain that the check cleared and ask them to release the funds. After being on hold for 20 minutes, a Bank of America rep took my call. The rep stated that despite the check clearing on my XXXX account, the funds still would not be released until XX/XX/XXXX. 

When I asked to speak to a supervisor, I was told that the supervisor was busy with another customer. 

I have been a customer with Bank of America for 16 years and my account is in good standing. There is no reason for funds to be held for 14 days.
Consumer complaint received 2018-12-28
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. (HI)

I applied for a business credit card with XXXX XXXX. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that XXXX XXXX is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like XXXX XXXX gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal  used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.
Consumer complaint received 2018-12-28
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. (MI)

I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.
Consumer complaint received 2022-03-19
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. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2018-12-28
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. (MI)

I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.
Consumer complaint received 2018-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (TX)

XXXX XXXX XXXX billed my insurance and the insurance paid the claim and informed me I owed {$0.00}. XXXX continued to bill me for {$540.00} and I informed them of the insurance decision that I did not owe any money. The placed me with XXXX XXXX XXXX The collection agency did not contact me in any way they simply put a delinquent mark on my credit. When I found this out I made attempt to correct their information and was unsuccessful. I finally paid the bill as a nuisance to clear up my credit. 

This is a fraudulent action on both the Ambulance company and collections agency that amounts to extortion
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

At the beginning of this year XXXX, I received notice that my condo insurance provided by XXXX XXXX XXXX XXXX would be cancelled XXXX The mortgage servicer XXXX XXXX  and the condo insurance provider agents refused to speak to each other until I conferenced them in on XX/XX/XXXX. Overnight details to make payment were shared yet I came to realize towards the end of the month that a payment was never made, no attempts were made to follow up or confirm that the payment was received. I saw that {$590.00} to pay for the one year of premiums was released from my escrow account but I still had to pay to reinstate the plan out of my pocket in addition the released escrow funds. I paid for a quarter in the hopes that the money would be found. Today I received notice from the insurance provider via mail after a quarter of payment that my condo insurance policy would be cancelled again if I did not pay for the year. Once again, I paid out of pocket. But now I am out {$590.00} dollars because the escrow has not been refunded.
Consumer complaint received 2018-12-28
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. (MI)

I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J J Marshall & Associates, Inc (MI)

I have sent several written requests to this company that is reporting negatively on my credit report. The dates that I have sent to the company is XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have not received any responses from this company. It is having a negative impact on my credit profile.
Consumer complaint received 2018-12-22
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. (GA)

I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX   XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

On XX/XX/XXXX at XXXX XXXX  I purchased ticket for XXXX Concert using Zelle for {$150.00}. 
The ticket was was supposed to be transferred to my XXXX  account. It was never done. The $ was transferred out of my XXXX XXXX XXXX  Account. 

The money was transferred to Zelle account XXXX under the name of XXXX XXXX. 

This is a fraudulent transaction ... future attempts to contact XXXX XXXX were never returned.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

I have a line of credit that was opened on XX/XX/XXXX and will expire XX/XX/XXXX which had a balance of around {$1800.00} as of this month and on XX/XX/XXXX I added a new line of credit of XXXX. My issue comes in the fact that in end of XXXX I made payments to my account but the credit company has applied it to the more recent balance transfer. I did write them to ask that the applied my payment to the oldest balance transfer but they informed my that they can applie my payment where every that want.
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Yesterday, XXXX XXXX, I logged onto my bank account and noticed two withdraws from Pay Pal. One withdraw for {$20.00} and one for {$80.00}. I then logged into my Pay Pal account and saw there were two transfers to someone I didn't know. I immediately reported the unauthorized transfers to Pay Pal and changed my password to my Pay Pal account. Pay Pal supposedly investigated the unauthorized transfers, and yesterday they sent me an email stating, " We've completed our review of your unauthorized activity case, and we've determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' This is absurd. Somehow PayPal determined that transferring two random amounts of money to someone I've never sent money to before ( and indeed don't even know ) on the same day is consistent with my previous transaction history?
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (CA)

On XX/XX/2021, I viewed my credit report and saw there was a new collections from National Credit Adjusters that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (SC)

I have had the same credit card account since XXXX  with Citibank. I am a good paying customer and am XXXX old and in the process of moving. I really need my card to make the transition smoothly. 

Recently I tried Citis autopay monthly using their third party service. First month didnt go through because it takes two months. This was not indicated anywhere so of course no payment. Representative said I should have known. How? When I found this out I immediately paid that month by phone with their representative providing my bank account information and was assured autopay would work for the next statement. Again the payment did not go through for that month.

Now a new bill for two months had been generated and I was told the problem was with my bank. I contacted my bank and was told it was not a problem on their end. I called Citi with this information and they waived late fees and suggested I try to reenter all my information with Citis third party service. I did and it took several tries but the full two month payment finally went through.

Next thing I know I tried to use the card and it was rejected. I called Citi and was told their policy is to close an account that has missed two payments. I was working with them on this the whole time and it was their service that wasnt working. I voiced how outrageous this was and asked for my account status to be reviewed and reopened. Just received an email this last week indicating they will not reopen the account. 

I am asking that you intervene so that my account be reopened for my move. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My daughter, XXXX XXXX, is handling this matter for me as I dont hear well. She is an authorized user on the card.
Consumer complaint received 2022-03-01
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: TRANSWORLD SYSTEMS INC (NY)

Transworld Systems Inc is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license and plwase remove this account from my credit.
Consumer complaint received 2022-03-18
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)

In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX MORTGAGE XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-02-05
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. (FL)

I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX XXXX, XXXX XXXX, the bureaus, XXXX   XXXX  and XXXX  XXXX XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I tried to increase my credit limit with capital one account ending in XXXX.I was denied and received two letters of denial.These are probally hard inquiries which will result in a change on my credit score.I didn't apply twice for a credit increase, only once.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

Issue : Was promised by Citibank customer service that I would be receiving the full welcome bonus for their Premier credit card, which would be the second Premier card I have applied for historically. The offer at the time was XXXX Citi ThankYou points which is equivalent to the current offer, after {$4000.00} in qualified spend in the first 3 months after account opening. I reapplied believing this premise was true, got approved for the card, and met the terms of the bonus offer and did NOT receive the expected ThankYou points. I contacted XXXX XXXX on XXXX and got in touch with a representative via phone call. They offered XXXX ThankYou points and closed the case despite me asking for the full XXXX points stating that the agent was misinformed and that I would've had to apply for the card in XXXX 2023 to be eligible for the bonus. I am not satisfied with the outcome as this took a lot of effort and planning and am requesting Citibank to provide the full welcome offer, as their agent had promised. 

TIMELINE OF EVENTS XX/XX/2023 : Contacted Citi service in the Citibank portal for Customers inquiring about my eligibility for a second bonus offer ; spoke with an agent named XXXX. 

XX/XX/2023 : Applied online and immediately approved for Premier card XX/XX/2023 : Qualifying purchase made to meet the bonus terms XX/XX/2023 : Contacted @ XXXX on XXXX and spoke with agent named XXXX who provided XXXX ThankYou points as a consolation
Consumer complaint received 2022-03-18
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)

I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

1 ) When I signed up in-flight for this credit card, XXXX promised an in-flight signup promotional bonus of XXXX miles on top of the XXXX miles that I would get by hitting a spending limit in the first year. I received the XXXX miles but customer service did not get back to me about the promotional bonus. And then they took away my XXXX miles even though they promised they wouldn't let it expire while they looked into this other issue. 

2 ) They created an additional frequent flyer account in addition to my existing one, despite promising me that they would be issued to my existing account. I couldn't use the combined amount and customer service never got back to me about resolving this issue. 

3 ) XXXX/Barclay never sent the {$100.00} voucher for meeting the spending limit and flying a XXXX   flight.