davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I am a victim of identity theft and did not open these accounts. Per The FCRA, accounts which are not demonstrated in clarity to be true, correct, complete and timely must be removed from a credit report.. Since credit bureaus failed to properly investigate and send me evidence of the said responsibility, I demand an immediate removal on the following accounts : XXXX XXXX, XXXX   XXXX
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, I notified Citi of fraud on my account. They issued a new card and allowed charges which included more fraud to roll onto the new card #. They admitted their error and issued me another card, which I have frozen. I have called them times out of mind regarding all the fraudulent charges made ( XXXX ). I paid the balance I owed as of XX/XX/XXXX. Citi sent me numerous requests to fill out forms stating I didnt authorize the XXXX charges. I responded immediately each time. Now, this has been going on for 2 months. Theyre requesting that I make a payment. One of their employees suggested I pay the amount due ( close to {$700.00} ) and then wait to be reimbursed when everything settles. Needless to say, I said I refuse to do that inasmuch as these are fraudulent charges. I continue to get numerous calls, letters and emails regarding the payment theyre requesting. I have never had this issue with any credit card company. I told them that I am a senior citizen, XXXX years old, and I feel Im being harassed. I stated I have been with Citi since XXXX and have always paid my balance in full and ahead of the due date. My credit score is XXXX. I am afraid that this is going to have a negative impact on my credit. All the communications were over the phone, which are supposedly recorded on their end. I have spoken with every department including customer service, disputes and fraud. Two months later, I have no resolve. I feel the public needs to know how Citi treats their clients its pitiful and harassing. I pray I can get some help through this site.
Consumer complaint received 2018-10-07
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. (VA)

After careful review of my credit report, I disputed a public record on my credit file and asked that the credit agency send me information on how this account was verified. I have send two letters requesting this information and all they will send me back is that the item was verified. They have ignored my request and sent back information that is not accurate. They have acted in bad faith and not complied with the Fair Credit Reporting Act. They have sent that I have a derogatory credit status when I have over 11 accounts with 100 % on time payment history. XXXX loan accounts PAID in full. I have worked hard to improve my credit and if they are not going to keep the file accurate it is Defamation of character, negligent on their behalf.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TN)

I was contacted multiple ( 3 or more times per day ) for at least 30 days by Nation Wide Recovery Services. They were very unprofessional and I thought it was a scam. The representatives spoke broken english, barely intelligible, had a poor phone connection so I could not understand them, called from multiple different zip codes, and asked me for my personal information without explaining the purpose of the call. I have never received anything in writing from this company, they refused to email or mail me any information as to what the debt was from, and only responded by asking me more personal information. The debt was charged to me by mistake, but I was ignoring these harassing calls because they came off so professional, I thought it was scammers. The agent threatened to have his supervisor call me on two occasions. I still do not have any detailed information telling me what this debt was for. 
The debt is due to a visit to XXXX XXXX XXXX in XXXX of XXXX. I checked in but left before I was seen by the Dr . Apparently XXXX uses XXXX  XXXX to bill for the ER. When I called XXXX they gave me the number for XXXX  XXXX ( XXXX ). I called XXXX  and the billing department stated that sometimes that happens and she would submit my file for review to verify that no charges should have been incurred, and I should call back in a week. I lost the number and called XXXX, they would not give me any contact info because XXXX  changes phone numbers so much that XXXX  requested they not give out any contact info to patients. I have tried reaching out online to XXXX  to get someone to contact me and get this resolved but have not had a response.
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (MD)

The company responded to a previous complaint by quoting part of their User Service Agreement : To participate as a User, you must first enroll with XXXX. You must provide XXXX with an email address that you regularly use and intend to use regularly ( i.e., no disposable email addresses ), a US mobile phone number that you intend to use for an extended period of time ( i.e., no burner numbers ), and we may ask you to provide your mailing address. 
I provided all the requested information, and this company even sent me an email confirming that I was able to enroll for their service. However, after enrollment I was unable to use XXXX to send or receive money. I spoke with two of their reps over the phone just now, XXXX in first level customer support and XXXX in second level customer support. They both confirmed I could not use XXXX, even after I successfully enrolled, because I get free mobile phone service. 
This company policy of enabling users to enroll but then disqualifying them from using their money transfer service disproportionately affects minorities and the XXXX, of which I am both. 
To add insult to injury, this company seems not to be following its own user service agreement, which at first glance seems to enable me to participate in their money transfer service.
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

I fell victim to identity theft in XX/XX/XXXX and was made fully aware of its extent by XX/XX/XXXX. I asked for an investigation by the companies feud department and never heard a response. I sent certified U.S. mail dispute letter to the collection agency under the authority of the FDCPA requesting verification. I have not received any response. The company now is suing me in Massachusetts District Court, and I do not live in Massachusetts. The Court have given me 20 days to answer the complaint which Ive chosen in lieu to file a motion for dismissal.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

Nordstrom claims on my credit report that I have an amount unpaid on the card, however I paid this amount and have the receipt of me doing so. Their claim on my credit report of this incorrect amount has resulted in a major drop in my credit score.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX XXXX  Has violated my rights. 

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.
Consumer complaint received 2020-06-03
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 (MS)

On my two Capital One accounts, Capital One reported to all three credit bureaus that I was deceased. I received two letters to accept their condolences for my passing. 
I contacted Capital One on XX/XX/20 and they would not give me an answer as to why they reported me deceased. The agent ID XXXX XXXX was working on my claim. I was on the line with agent XXXX XXXX and she was relaying messages b/t me and the XXXX customer care dept. I was refused as to who was the original furnisher and why and was told they couldn't give that information to the agent or me. Capital One is the only entity that have me reported as the deceased. I then called all three credit bureaus to dispute this violation of placing invalid/wrong information on my credit report. I am being denied Homeowners insurance b/c they aren't able to obtain a score. I was unable to check my credit at the time. This has been a depressing hassle to know my credit report had been shutdown. Now my homeowner 's insurance is about to expire and this could possibly take 30-90days. I was also told by Capital One that they could not expedite the request.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (WA)

1. My Kabbage checking account has been locked, there is no way for me to get my remaining balance ( {$72000.00} ) back. 
2. I called their customer service ( ( XXXX ) XXXX ) multiple times, the only way to take my balance back is to use the debit card linked to the account, however they put a fraud alert on my debit card and I can't use it at all. 
XXXX. XXXX : There is no way to get my remaining balance ( {$72000.00} ) back after they locked my account, which is insane, and I've called them at least 5 times.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX NJ, XXXX Somebody made a fraudulent payment with my credit card, Bank of America is denying my claim because I already pay it off on the credit card. Which I did, to not get charged interest. Bank of America needs proof that I did not make the payment. The charge was XXXX $ on XX/XX/22 The fraudulent payment was made with XXXX XXXX XXXX XXXX XXXX, when I called XXXX XXXX XXXX XXXX they told me they couldnt open a case because I dont have a account with them, now Im stuck with a XXXX $ charge that I will not pay.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC (GA)

I received a voicemail from a XXXX XXXX with Wienberg stating the message is for XXXX XXXX last 4 of social XXXX. He is calling in regards to the complaint filed against my name and social and docket # XXXX. He did not give a company who filed this complaint. He gave me until the end of business day for me or my attorney to return is call or it will result in a court order issued at my place of employment or residence. His direct line is XXXX, ext XXXX. Thank you and good luck. I do not know who this Wienberg is and have not received anything in writing or any prior phone calls. While I do have debt, I have no idea if this is legit or not because this man won ; t give me any info or mail me anything in writing. Only threats. They called my previous place of employment leaving all the same info, my ex-husband who I have not spoken to i over 10 years and my aunt.
Consumer complaint received 2021-01-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (TX)

This debt was dismissed two years ago by the Department of Education because the school was determined to have used unfair enrollment practices by promising job placement. In addition, I graduated from this college in XXXX of 2012. The debt is more than the federal statute of 7 years old. XXXX  overzealous debt collection agency changed the date of the debt and added it to all three of my credit bureaus. Attempts to communicate with the collection agency was unsuccessful.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (NC)

After reviewing my credit report I notice there was a debt that I was not familiar with. I mailed a certified letter to company asking to validate the debt because I have not previously been notified of any debts from this company. I have yet to receive a response.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Will SOMEONE read this carefully? Your questions are wrong. That's part of the problem. I raised the credit limit on my two cards to raise my credit score but instead it was LOWERED. 

And there seems to be no way to dispute a credit SCORE. Once the machine makes up its mind, THAT'S IT. 

Listen to my story. I bounced a check around 45 years ago because I made a mathematical error in my checking account. That's the ONLY mistake I've ever made. I have two credit cards, the second is just to raise my score. I pay every bill within 24 hours of receipt. I've never owed a XXXX except for my mortgage which I paid on time every month -- and eventually paid it off. I live in XXXX so I never needed a car or a car loan. 

I'm a multi-millionaire, though I'll admit, just barely. 

I told this to TransUnion, but they said I'd have to pay for my credit score. I said I already had it from XXXX XXXX, but TransUnion said their score would be different. It was EXACTLY the same. Either the woman lied, or it's company policy to lie.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

On XX/XX/XXXX I mailed a dispute letter certified mail to the reporting company XXXX XXXX XXXX ( a part of XXXX XXXX XXXX ) which I have included for all to view. I sent it certified mail by XXXX where I have kept very close records time stamped, as well as date ; etc of exactly what they are suppose to comply with when receiving a dispute letter. I noticed this reporting to all 3 major bureaus when I pulled my credit in XX/XX/XXXX. I allowed the mail to actually get to them, and began counting the 31 calendar days they had to reply back to me from the date they signed for my letter. I also have attached my letter I received from the USPS with who, and the date of who signed on their behalf the day that took place. I also have included the dispute letter I wrote to them, and have also attached where I pulled my credit today XX/XX/2018 from XXXX, XXXX and XXXX to prove their noncompliance, and the violations that are set within laws, and the violations of my rights as a consumer have been totally ignored with no reply, and not placing the dispute comment on any of the reporting agencies proves they have failed to comply with many violations, and just as my letter stated. I would hold them accountable and file complaints to you, the proper attorneys general offices, and the XXXX XXXX XXXX. I demand they remove the listing collections agency XXXX XXXX XXXX  collection account from all 3 credit bureaus, and mail me proof that their negligence has been taken care of immediately from reporting any negative information in my name to anyone. Please hold them accountable!!! 

XXXX XXXX
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX was made aware that they were violating 15USC A 1681 2A ( i ) & 15 USC 1681b ( 2 ) with previous affidavits. After further investigation, I as the consumer discovered there are 103 Inquiries fromXX/XX/XXXXto XX/XX/XXXX.
Consumer complaint received 2020-09-22
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 (NM)

I opened a Paypal account on XX/XX/XXXX related to my first attempt to sell a personally owned item on XXXX. A buyer purchased the item and paid via Paypal. Paypal almost immediately limited use of my account until I provided a shipping tracking number and indicated that a hold on the funds now in my Paypal account would be lifted once the item was delivered. I provided other information to Paypal including a copy of my drivers license, a screen capture from XXXX showing the buyer and seller information. They requested a receipt from the supplier of the item. The item I sold consisted of archery supplies that I have owned for several years, and none of which I have receipts for. I contacted Paypal through their messaging service requesting more explanation for why my account was now limited. I received a response several hours later saying that they would review my request. I shipped the item on XX/XX/XXXX and uploaded the tracking information to Paypal. I received an email from Paypal on XX/XX/XXXX informing me that I can no longer do business with Paypal and that the balance of {$200.00} was frozen for 180 days. I contacted Paypal again on XX/XX/XXXX through their messaging center and requested an explanation and a review of my account. I received a reply from XXXX XXXX saying : I apologize for any inconvenience this may have caused you. I have reviewed your case and can see that our decision to leave your account in a permanent limitation status is final. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. Due to the potential risk of chargebacks and other risks of funds reversals, your balance will be held 180 days from the date of the limitation. At that time, any remaining funds will be available for withdrawal. I scheduled you a callback. One of our account specialist will call you at the phone number on file. Just keep your lines open.

I am in apposition now where I sold and shipped my personally owned item. The buyer paid for it and will receive it this week. I can not  access the funds paid to me for almost 6 months because Paypal permanently limited my account. Paypal has not provided any explanation to me why the took this action. I also can not remove my debit card and checking account information from my Paypal account due to the status that it has been placed in by Paypal. I would rather not have my account information held by Paypal, particularly since they have limited my ability to use their service without explanation. Paypal has only provided general responses that my use of my Paypal account amounted to possible fraudulent or high risk behavior. No details have been provided.
Consumer complaint received 2022-05-03
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. (NE)

acct # XXXX XXXX XXXX XXXX CO - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.