davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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. (CT)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-05-18
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. (IL)

This is a COVID19 after effect. I had fraud on my XXXX XXXX account. It was a new purchase for " game points ''. My XXXX granddaughter was highly suspect. So, I requested a new card number. In the past, this fixed the issue. There were additional new purchases made, and XXXX charged them to NEW card number ( that I do not even have yet ) and XXXX XXXX accepted them. I could not get through to XXXX. XXXX XXXX said that companies with existing relationships could get new number for subscriptions. These were not subscriptions. XXXX XXXX said that changing the credit card number would not stop this from occurring, and their department that " freezes '' purchases from specific vendors was closed due to Covid19. So I can to cancel the account. My credit report went down 50 points. I should not be penalized for XXXX XXXX accepting these charges and XXXX for submitting them.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (TX)

I contacted my banks customer service by phone and requested a stop payment be placed on a specific mortgage payment around the XX/XX/2019. This was the first time I had ever placed a stop payment on my checking account, so I was not clear on the ins and outs and felt it was best to have customer service assist with the procedure. During this call, I specifically remember asking the customer service representative, is this a onetime stop payment? Because this is for my monthly mortgage payment and I dont need to have any unexpected surprises or issues because of this in the future. I was assured by the representative that this was a onetime stop payment and I should not encounter any issues moving forward making my monthly mortgage payments. Fast forward to the end of the month. I made my monthly mortgage payment by phone like I do every month. I received my confirmation number and assumed all was well. On the XX/XX/XXXX, I receive a letter via mail from my mortgage company stating there was a stop payment in place. I immediately called my mortgage company to verify and explain the error that had taken place. Once I finished speaking to them, I immediately drove to my banks local branch. They proceeded to tell me that a stop payment would remain in place for 6 months unless I contacted them to remove the stop payment. I explained to the branch manager that this is not what was communicated to me when the stop payment was placed on the account. The branch manager apologized and said this was above his pay grade and there was nothing he could do to assist me. I requested the stop payment be removed and called my mortgage company back within an hour and made a payment. While speaking to my mortgage company, I explained the error that had taken place again, but this time in more detail. The customer service representative from my mortgage company stated that I would need my bank to provide documentation that they were at fault in order to excuse the late payment. I contacted my banks customer service on five separate occasions following this incident, requesting documentation showing that they were at fault. Each time I called, I was told that a supervisor would call me back and they would need to review the initial call because all calls are recorded etc. I never received a call back from customer service. Come to find out, the representatives do not document accounts when a customer calls in so there is zero accountability for any of their employees to follow up or resolve any issue when a customer contacts them. After filing a complaint with the XXXX, I received a letter from the banks corporate office, stating there was no error on their part. I have requested a copy of the recorded phone call and have been told that would require a subpoena. This late payment caused my credit score drop 120 points.
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (DC)

This company put medical debt on my credit report causing irreparable damage to my credit score and the cost of great interest rates. The collection company ( Americollect ) when contacted mentioned XXXX XXXX did not process the medical procedure properly, causing the derogative information being put on all 3 credit bureaus. I have state medical insurance and do not receive medical bills because XXXX DC XXXX XXXX takes care of all my medical bills and any associated procedure needed. The collection company said the office processed the claim and cause my credit score to take a harmful dive and caused harship.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX dollars ( {$900.00} ) was stolen from this account California EDD Deposited {$900.00} Unemployment benefit to my account XX/XX/2020 My bank card never left my wallet except when I used it myself. 
There is no written record of my PIN number. 
According to bank records, the funds were stolen on XX/XX/2020 You can also see earlier attempts to withdraw funds on XX/XX/2020 and on XX/XX/2020 o None of those transactions were done by me. 
o None of them were done at a location I have ever used. 
A police report was filed XX/XX/2020 with the XXXX XXXX County Sheriff # XXXX
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 25 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 22 Inquiries on my Transunion that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my Transunion that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.
Consumer complaint received 2017-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (DE)

On XXXX XXXX, I used PayPal to purchase two XXXX baskets for my pool. When I received them, they did not fit. I followed return instructions to receive a refund. 

I did not receive any refund until I sent an email inquiry and then I received a partial refund on XXXX XXXX. 

I sent two additional email queries, which were unanswered. 

I then filed a dispute with PayPal, which issued a conditional refund of {$10.00}, the amount I am seeking but has twice given me conflicting information about why they were ruling against me in the dispute. 

I want the conditional refund to become permanant and I want to end this dispute.
Consumer complaint received 2020-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " system temporarily unavailable. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that Equifax 's system successfully processed the dispute. When I went to dispute an additional item, the system timed out with the same error. The only subsequent information Equifax 's system would allow me to dispute without timing out was placing a statement on my credit file. That is attempts to dispute any material items beyond the initial two ( 2 ) items appears to be explicitly blocked. 

What this means is that Equifax is limiting the amount of the disputes any individual is allowed to dispute within an unknown period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. Equifax appears to be regulating the information that an individual may dispute by first passing the infrmation through " ai.equifax.com '' before the system will process and accept the dispute. Any mention of COVID19 or SARS-CoV-2 as a part of a dispute appears to be rejected by the system -- even if in the personal statement. Thus, Equifax is controlling my right of notice and opportunity to be heard and is effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

I processed my scheduled monthly payment on my account as I have been for years and years. My normaly payment of {$340.00} was due XX/XX/XXXX, I processed my monthly payment on XX/XX/XXXX ( before being 30 days delinquent ) As i have done many time over the course of the loan. 

Suddenly now VW credit wants to list that my account was over 30 days late when that is not false. I've requested they fix the issue and explain it & no one can seem to give me an answer on what's going on. 

I'm not sure if VW credit is hurting for $ $ due to the coronavirus, but i've made ALL my payments during this pandemic and never requested any forgiveness. The fact they want to say im past due is atrocious.
Consumer complaint received 2020-07-21
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. (FL)

MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT
Consumer complaint received 2020-10-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: 2288984 Ontario Inc. (TN)

XX/XX/2019, I had taken a Payday loan from Money Key. I am NOT disputing Money Key, I am disputing a company that told me that they purchased the debt. The company is called XXXX, XXXX XXXX XXXX XXXXXXXX and I was told they are based in XXXX. I along with 2 of my friends received a call from an unknown number stating that if I didn't call XXXX that someone would be at my home or work place in 48 hours. I did not call back, so they called again the next day. My friend answered her call, and spoke with XXXX XXXX who called from an unknown number and told her that if I didn't call back they would be be at my home or work place in 24 hours. So I called back. I spoke with XXXX XXXX that had all of my information from Money Key. He had 2 recommendations for m. The first was that I could refuse to apply and they would proceed with legal action and I would be charged court fees and interest on top of the original debt or I could make a voluntary agreement with them to pay monthly installments on the debt but I would have to pay with debt card, credit card, prepaid card, but I could not mail the payments. I agreed and gave them my credit card. He then transferred to a lady. I didn't get her name, but she was to confirm everything. I asked what was the name of the company and she stated that I spoke with XXXX from XXXX but she was from XXXX XXXX  which is explained to be a third party billing company. She stated that they would send me an email for me to sign to confirm. When I received the email, it did not look right to me. No address and the grammar was off. So I called the number I called early that evening and it went to voice and said that I reached a XXXX area code phone number which is in XXXX, WI. So I XXXX both companies and can't find a website or address. I XXXX the phone numbers and could find nothing. I called XXXX XXXX back at XXXX, the next morning, and they stated that they are based in XXXX, and they not have a building with an address for me to send my payments to. He then stated for me to follow the chain of title. That this was a pre litigation collection. So I stated to him that I would like for him to mail me everything. He got defensive and stated that he was removing my credit card information and take this to litigation, so I told him I would see him in court. 

I have attached the agreement that was sent to me.
Consumer complaint received 2018-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the  consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2020-07-21
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: EQUIFAX, INC. (AZ)

On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX XXXX XXXX XXXX. These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success.
Consumer complaint received 2018-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AZ)

XXXX has been with drawled from my checking since XX/XX/2018 they have called from various numbers and are harassing me and my family area code XXXX, XXXX, XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX please help me??
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is a direct demand of a fair solution for my situation. Back on XXXX, I tried to solve this issue with Bank of America. They havent even investigate, or contact me. 

The account is the following : account # XXXX XXXX XXXX XXXX, limit {$21000.00}. Bank of America has not moved a finger to solve this matter, which is a violation under the California Credit REporting Act. They have also committed other violations, such as : Inconsistent credit reporting across bureaus, reporting incomplete information, etc. 

I ask you to please send the attached documents to Bank of America. 

I thank you so much for taking in consideration my complaint. 

Best for you.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2020 I received an email from American Express offering a promotion. 

The promotion was that I could create a Plan whereby I could, for no fees or interest pay off charges of over {$100.00} over a nine-month period ( see attachment ). 

The " Plan '' could be set up online. This would apply to my American Express card XXXX XXXX XXXX. I had until XX/XX/2020 to do this. In fact I could set up 10 plans over this period of time if I so desired. 

On XX/XX/XXXX I set up a " Plan '' with two chargers for {$3100.00}. 

On XX/XX/XXXX, in order to take advantage of the XXXX benefit I purchased an air conditioner system for my home for a total price of {$5200.00} from XXXX XXXX XXXX XXXX. The next day I went online to enter this into a new Plan ''. I was unable to this because the purchase was classified as pending. I called customer service and after an hour on the phone I was told the only thing I could do was to call XXXX and ask them to release the charge. I did this and no one at XXXX knew what I was talking about. They told me that they submitted the charge and they were already paid for it from American Express ( see attachment ). 

Out of desperation I called the CEO of Amex hoping to be able to speak to someone in his office. The operator told me that the CEO doesnt speak to people and there was no one else who would talk to me. I was instructed to send an email which I did and which went unanswered. 

Later in the day I once again called customer service and after an hour speaking with several people I was once again told that I was out of luck. The system was completely automated and no one could override it. 

I now have to finance {$5200.00}. My choices are paying by installments at an APR of 15.24 % or creating a new Plan for a cost of {$420.00}. 

Amex lured me into this scam with an email. They are guilty of FRAUD. 

I believe that I should be able to create a new free Plan or receive a {$420.00} credit. 

American Express should be made to cease and desist this illegal scheme. 

I am asking for your help to rectify this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

Since joining Regions Bank. I have opted out of offer draft transactions. They can not charge me fees when money is not available. Regions bank fires not honor my contract. Every month they remove {$36.00} NSF fees for transactions that are not on automatic pay. There are no transactions in my account set for autopay and they still erroneously charge me fees. It is an ongoing an fraudulent practice and I want it to stop. If I pay my bill around the Santa time every month, that is not considered autopay for Regions, that means if my car note is due on the XXXX, I pay around the {$16.00} and not require them to do so. XX/XX/20 ( 2 ) NSF fees XX/XX/20 ( 1 ) ) fee : XX/XX/20 ( 1 ) {$36.00}. So on and so forth. This is fraud and I cant purchase a home because of these negative