davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

I sent XXXX  $ via zelle to an email titled " XXXX '' to a man titled XXXX on XX/XX/XXXX for an additional piece to add to my camera. Not only did the product not come in the mail resulting in a scam but my bank told me there is nothing they can do to refund my money for it.
Consumer complaint received 2020-08-21
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. (CA)

Accounts on my 3 credit reports are reported as charged off when actually all of the accounts were discharged in Chapter XXXX Bankruptcy on XX/XX/2018 Case Number XXXX. In my previous dispute I submitted Bankruptcy Declaration and Discharge to prove my claim. I'm attaching more supporting documents with this new claim
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I took a 15 year mortgage with Bank of America on a commercial property that I use for my business. I own this personally and lease it to the business. I was a XXXX XXXX  customer of BOA and had a line of credit with them also that was separate. I was never 30 days late on making my payment. There was a 10 day grace period after the due date. If you went past the 10 days, there was a {$35.00} fee. If I went over the date, I paid the {$35.00} fee. I paid on the loan for 15 years. When I got to the end, I received a letter from them telling me I owed an additional {$22000.00} in interest. They had been accumulating interest for 15 years for every day after the due date that I was late. And then they were charging me interest on the interest. In 15 years, they never sent me a report saying that I owed the interest. It did not show up anywhere on line on my account. There was absolutely no way that I could know that they were charging me this interest or giving me the opportunity to pay it off each year so that I would not be paying interest on interest. I obtained counsel and they began negotiating. It took about 6 months but we reached agreement that I would pay {$5000.00} and they would forfeit the claim for the additional funds. They gave me a release from the deed and it was done. Have them send me a copy of the settlement. They are currently reporting this as an error on my credit. I have attached the letter which was the first time I was notified that I owed additional money.
Consumer complaint received 2018-06-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Management Recovery Corp. (NMRC) (LA)

A company named NMRC has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that XXXX  does not do business with XXXX and they only collect payments at XXXX.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # s : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Have 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 a account without my written instructions
Consumer complaint received 2021-11-03
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: Merchants and Professional Bureau, Inc. (IL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MERCHANTS & PROFESSIONAL XXXX Balance {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-06-28
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. (CA)

I was overpaid by the Department of Veterans Affairs in XXXX of XX/XX/XXXXin the amount of {$690.00}. Over 42 months later, in XX/XX/XXXX, I was notified of negative information on my credit report. I called the VA to find out what happened and paid back the overpayment immediately. They then refused to remove the information from my credit report. They claimed they sent letters to me in the mail, but it was to an address I hadn't lived at in well over three years. That was the only effort they made to contact me, despite having my phone number, email address, and updated mailing address. This was not a consumer credit transaction because it was an overpayment, not a loan, and I never agreed to borrow that money. It should never have been reported to the credit bureaus. I contacted them one last time to request removal by email on XX/XX/XXXX and have not received any reply. 

I have disputed this item with Transunion and XXXX ( it does not show up on XXXX ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the grounds that I had no knowledge of the account, it had been settled, and it was not a collection or charge-off account. All disputes resulted in the credit bureaus simply verifying that the VA did indeed submit the information to them and they did nothing else. The negative item remains on both reports.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (CA)

So I received a letter of declination for a Target XXXXCard. However, I did not make an application for the card. This letter was dated XX/XX/2022. About the same time last year, I received a letter like this too, and I disregarded it because the application was still denied. Yet, upon recent events, I have noticed that I have been receiving many applications from other credit card companies saying I have applied for their card and are requesting information, etc., but again I have never applied. Thus, I believe I am going through identity theft. The declination letter I received from Target is asking me for a copy of my driver 's license, front and back of SS, and a utility bill from the last 60 days.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (IL)

XXXX, XXXX, & EXPERIAN Continues To Allow Fraudulent Inquiries On My Credit Profile After I Placed Security Freeze XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX - XX/XX/XXXX  2 : XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX - XX/XX/XXXX XXXX  4 : XXXX XXXX XXXX - XXXX XXXX 5 : XXXX  XXXX XXXX - XX/XX/XXXX  6 : XXXX XXXX XXXX - XXXX XXXX 7 : XXXX  XXXX - XXXX XXXXXXXX  8 : XXXX - XX/XX/ 9 : XXXX XXXX - XXXX XXXX 10 : XXXX XXXX - XXXX XXXX 11 : XXXX - XXXX XXXX 12 : XXXX XXXX XXXX XXXX XXXX XXXX 13 : XXXX - XXXX XXXX 14 : XXXX XXXX XXXX XXXX XXXX XXXX 15 : XXXX XXXX - XXXX XXXX  16 : XXXX XXXX - XXXX XXXX 17 : XXXX XXXX - XXXX XXXX ___________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX XXXX - XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX  XXXX XXXX XXXX 7 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 8 : XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX XXXX 10 : XXXX XXXX XXXX  XXXX XXXX XXXX ____________________________________________________ EXPERIAN ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 XXXX XXXX XXXX XXXX - XX/XX/ 2 : XXXX XXXX XXXX XXXX XXXX XX/XX/ 3 : XXXX XXXX XXXX - XX/XX/XXXX  4 : XXXX XXXX XXXX - XX/XX/XXXX  5 : XXXX XXXX - XX/XX/
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ceannate (FL)

Please note the pre filled automated options did not fit my situation. The FMS company based in Illinois contacted me about another person 's debt. The caller stated that they received information that I may know the person and wanted me to pass along information. I would like to report for this practice because now I am privy to someone else 's debt information. The company called me from XXXX. 

I was contacted on XX/XX/2018 at XXXX XXXX.
Consumer complaint received 2020-04-22
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. (NY)

im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.
Consumer complaint received 2020-08-21
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)

THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS.  On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-21
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. (GA)

Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by XXXX  or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.
Consumer complaint received 2018-02-26
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. (TN)

XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.
Consumer complaint received 2015-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (PA)

Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent.
Consumer complaint received 2020-08-21
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)

Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by XXXX  or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

I prepaid the property taxes at the end of XXXX for the due date of XX/XX/XXXX. I notified the bank in XX/XX/XXXX about this payment. They verified the tax payment in XXXX of XXXX. Based upon the projected tax assessment for XXXX, US Bank increased my payment slightly to account for their estimated escrow shortfall. Meanwhile, I have been making mortgage payments to include escrow for taxes already paid. 
My XXXX mortgage payment was made on time, but due to the shortfall it was put in suspense and I was assessed a charge of {$170.00} for a shortfall of {$27.00}. 
I called the customer service department on XX/XX/XXXX. After a lengthy conversation and contact with their tax department it was determined that my escrow account has an overage of over {$6000.00}. They also stated that they only review escrow analysis once a year and since this was done before verification of my tax payment, it would not be reviewed again until next year. In effect I am overpaying for my escrow, but since it is not correctly accounted for, it appears my automatic payments are short. I will be adjusting my auto payment to match their current statement amount. I am extremely concerned that the bank which is not monitoring my escrow account properly has found a way to increase my payment and then charge me a late fee of 600 % of the incorrectly calculated shortage. In fact, the customer service XXXX indicated that the only reason they are looking at my escrow and are now processing a refund is due to my call.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-20
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. (TX)

XXXX XXXX XXXX and XXXX XXXX XXXX was taken off two years ago now put back on without notifying me the law states they must send notice XXXX XXXX  c XXXX FTC commission sent the report to them 2 years ago medical commercial audit was part of the FTC 2 years ago also
Consumer complaint received 2020-07-20
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. (TX)

XXXX XXXX XXXX and XXXX XXXX XXXX was taken off two years ago now put back on without notifying me the law states they must send notice XXXX XXXX  c XXXX FTC commission sent the report to them 2 years ago medical commercial audit was part of the FTC 2 years ago also
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I sent out a dispute letter on XX/XX/2020 directly to the creditor regarding the validity of this debt. It has been more than 30 days and I have not received any information with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

They have failed to respond and are violating my FCRA 30 day investigation right.
Consumer complaint received 2022-09-13
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: JPMORGAN CHASE & CO. (CA)

Corporation charges my card fraudulently and closed accounts without my consent, after several billing errors. Next, furnished false and inaccurate information to third parties. Corporation is negligent and non compliant.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synergetic Communication Inc (OK)

I had a vehicle leased thru XXXX XXXX and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being Synergetic Communication. I settled the account with Synergetic and account was paid in full. Synergetic is either not reporting to XXXX XXXX that this account is settled or XXXX XXXX is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

Citi Prestige closed my credit card account without my acknowledgment and without reading the appropriate disclosures to me. I had no idea they were closing my account, as I was on the phone with them, and said I needed to call back because the call was taking longer than anticipated. I did not want to close my account at this moment, but was inquiring about a dispute that should have been closed in my favor instead of the merchant. However, next time I went to check on my account, I noticed it was closed without any acknowledgment. I also did not know I was being transferred from one team to the retention team. I only knew that someone may have been able to help me from another team. I assumed it was a supervisor or manager, not the retention team and that my card was closing. 


Thank you.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I had called and cancelled my card on XX/XX/2019, I was informed of what the pay off balance would be and I paid it during that time. I was unhappy with the service XXXX provided with how they handled, or not handled my fraudulent charges that occurred due to a data breach. I decided to cancel & pay off the balance to end my services with them. I called again on XX/XX/XXXX to follow up and make sure that they had updated their records since the withdraw of {$1000.00} was withdrawn from my bank account on XX/XX/2019. I was assured that they received the amount and that there was a credit of {$.00} on my account that covered a total of {$1000.00} balance. I saw that this popped up on my credit report with notes saying bad debt and that it was closed by the card company which is not true at all. I have provided my bank statement and a letter from them after their investigation to show that they were paid in full and closed on my behalf. It is absurd that I have to keep updating something that was taken care of almost a year ago. I had recently started getting harassing calls again about this paid balance. 

I have a letter from XXXX saying that the account is closed with a XXXX balance and that I paid the amount owed, my bank statement shows this as well. I submitted multiple times to XXXX and they keep saying the same thing. It has yet to be removed from my equifax report.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A. (MD)

Peroutka, Miller, Klima & Peters, PA represent XXXX XXXX, XXXX which apparently purchased my account from XXXX XXXX XXXX. 

XXXX XXXX XXXX is a credit card company where I had an account. 

XXXX XXXX failed to forward any bills, invoices or statements regarding my account. They never notified me by means of any communication that I had an outstanding balanmce and never informed me that a debt had been charged off. 

PMKP has sent me a letter demanding payment of {$1500.00}. 

This is the ONLY communication from anyone regarding the XXXX XXXX account.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

Paypal put my account on limitation about 3-4 weeks ago and wanted me to provide proof of money transactions to be mine. I submitted all documents and bank statements that they asked for but they still decided to close my account and hold all my funds for 6 months. I did nothing wrong and dont deserve to be treated like this that is all the money that I have I need it back I have them what they wanted