davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed a XXXX XXXX XXXXXXXX account on my credit reports. Today I received notice that my dispute is settled and it is still remaining on my XXXX  credit report. I am again submitting the letter from XXXX XXXX XXXX XXXX that shows proof this is to be deleted off my credit reports.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (OK)

I am perminently locked out of my Paypal account. I am Paypal customer since 2000. Now, Paypal refuses to remove old phone numbers from their system so that I can complete 2 factor authentication. I made my request. 
Paypal 's response was to lock my account. On their site they say 'follow directions in email. ' No email was recieved. 

Paypal is singling me out for bad treatment and denying me access to my funds. 

Paypal needs to operate in good faith and return access to my account. 

User ID : XXXX ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (CA)

I received Funds that I did not request, in my checking account on XXXX XX/XX/2023 from a company called Lendumo. I DID NOT make a request for these funds. Since, with contact with this company, I learned this is a short term high interest rate installment loan. I did not verify any information with this company. 
I did not sign any loan aggreement. 
I do not have an account with this company or site log in, and am not creating one due to identity theft concerns. 
I have attempted to return the funds sent to me. There have been three attempts that have failed. Its is odd each time funds were available and the amount account not frozen. 
I have filed a fraud complaint, opened new accounts and awaiting this company to withdraw their funds to close the account involved. 

I am thinking now after days past that this isn't a matter of a person stealing my information as much as this company. I filed a police report at their request and a report with Identitytheft.gov.. Forwarded the same to Lendumo, yet they persist with collection
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MI)

I received a letter last week, regarding a dispute I filed. The letter advised me to close my debit card and to call the number on the letter. When I called the CSR said that there was NO issue with my ca rd or account. I asked if I could read the letter to them, and I did. She repeated her first statement, t here is nothing wrong with the card or account and to disregard the letter. On XX/XX/20 I went online to check my account balance for a DD. I was unable to login. I called CS at Citi, the person said not hing was with my account and transferred me to the IT dept. They said that a hold was on my acco unt and that i needed to speak to the fraud department about my dispute. On XX/XX/20. I was on the phone with Citi for 2 1/2 hours and was transferred to 7 different departments, all departments gave me conflicting information. One CSR said they were reissuing me a debit card and that I should be able to go back online in 5 minutes, because she removed the block ( which was a lie ). The next CSR said they blocked my account because I attempted to add my debit card to XXXX XXXX. The last CSR I spoke with said there was a hold on my account and that it was being handled " behind the scenes '' and that I should go to a bank branch to withdraw cash. When I went to the bank the branch m anager made me wait in the lobby while she called someone. She came back and said that she doe s n't have any info and that they will send me a letter in mail. All of money is at that bank. I'm unable to get my Unemployment payment out and pay my bills, I've been out of work since COVID19. No employee at the bank has told me anything about when I could access my funds only that a letter would be sent out in 15 business days. I forgot to mention that everyone I spoke to over the phone wa s a " manager ''. I'm unclear as to why a bank can keep and money and not tell me why??
Consumer complaint received 2021-03-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America sent me an offer to receive a savings account bonus of {$250.00}. The terms stated that I was required to open an XXXX XXXX account before XX/XX/XXXX and deposit {$20000.00} within 30 days and maintain that balance for 90 days. 

Bank of America sent this offer to my email address and because I have a credit card with them, they also sent the offer to the " Special Offers & Deals Section '' of my online account. I have attached a screenshot of the " Special Offers & Deals Section '' that I am referring to. 

I clicked through their specific link and opened an XXXX XXXX account on XX/XX/XXXX. I deposited {$20000.00} on XX/XX/XXXX. I maintained the {$20000.00} balance for more than 90 days. I completed the requirements and have not received the {$250.00} bonus. I have attached a screenshot of my account activity showing that I have maintained {$20000.00} for more than 90 days. 

I called Bank of America regarding this issue on XX/XX/XXXX. The case number is : XXXX. 

Bank of America said that they would contact me again to resolve this issue. They have not contacted me.
Consumer complaint received 2020-11-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I uploaded a letter to XXXX, XXXX and transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, transunion or XXXX doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2018-06-04
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)

I have called numerous times with efforts of removing hard inquiries made by someone else than myself. Auto and personal loans appear and I haven't done either of the two. 

I've been told " NO '' and told they remain for 2 years BUT I can prove and have confirmations that it IS possible to remove as they're FRAUD. I do not need nor want these on my credit report as I did NOT authorize and it is indeed against the law for them to be on there as hard inquiries, they're affecting my credit and I wish to have them removed ASAP.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX  and Experian are reporting incorrectly my Date of Birth. XXXX  has the birthdate completely wrong it should be reporting as XXXX and Experian just has the year listed. My correct date of birth needs to be updated. My most recent credit report also shows the following accounts as not in dispute, when in fact these accounts are in dispute. Medical collection/chargeoff account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These line items are in fact in dispute and this language needs to be reflected on my credit report. In addition, these accounts do not belong to me. No original creditor has been listed and I do not even recognize who these collection accounts are for. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Consumer complaint received 2021-03-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Have have repeatedly disputed many fraudulent collections accounts on my reports across all 3 reporting agencies. especially after my last CFPB complaint some collections accounts have been closed and removed from my report but not from all 3 agencies. I am just searching for consistency between the 3 agencies, it has been 3 months and 2 agencies still show a few accounts as open when after the CFPB results say closed.
Consumer complaint received 2020-09-22
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: EQUIFAX, INC. (GA)

This is my second time submitting a complain ... my XXXX XXXX XXXX   card are reporting that I Have a balance of XXXX which Ive used up my entire available credit and over ... This is inaccurate ... XXXX XXXX XXXX XXXX has admit this was a mistake ... they have also provided me with a letter stating so ... My credit score has dropped over 150 points over this issue ... please update my credit report to correct balance.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Goodman Frost, PLLC (MI)

I have been having problems with my credit union because they got a garnishment letter from an attorney. The credit union and the attorney both are trying to tell me the letter went through the courts. The court it supposedly was processed through is in a county that I havent lived in in over 5 years. I called the courthouse and they said the only case they have is from XXXX. I called back the attorney and he stated that the courts were looking at the wrong case and that the case was from XXXX. He said I owe them and better find a way to pay it. My credit union keeps telling I need to settle this debt.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, 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 am writing to request that you please 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 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 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-05-20
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$450.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$11000.00}
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (KY)

I am showing an account on my credit report from receivables performance for XXXX account. I have already taken care of this with XXXX and do not owe any money. It started out with a balance of {$960.00}, and I filed a dispute with transunion due to me not owing this collection balance. This came back with the balance reduced to {$380.00} and with the remarks that it was disputed and meets FCRA requirements. I have reached out to both this company and XXXX and keep getting the run around. XXXX is telling me that it should have been removed from my credit report and credit karma because they are showing no collections balance with them and showing this account had been taken care of. I need this deleted ASAP.
Consumer complaint received 2024-05-09
Product: Credit 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: WELLS FARGO & COMPANY (GA)

On XX/XX/2024 I reach out to my bank to let them know I was going to XXXX and had made a payment for {$330.00} on XX/XX/2024 - I then made a payment {$1100.00} - To increase my available balance ahead of my trip. The phone call was made under my account and someone deleted the log of my conversation from the banker saying the credit should show in XXXX hours. ( XXXX XXXX  XX/XX/2024 ) - In addition, I called again on XX/XX/2024 - ( XXXX XXXX ) - The banker new person tells me there is a hold on my account it takes XXXX days to clear- but for you it will XXXX  days. My available credit as of today is still {$1100.00}. When it should be {$2100.00} - this particular banker could not state this as the other banker did on the deleted recorded phone call. I believe the bank is illegally holding on consumer funds longer than needed to for funny accounting purposes when extrapolated across millions of accounts. This is not the first time I have had issue with wellsfargo, but given the money has clearly been withdrawn from internal account. I can only assume some form of retaliation or courtesy is not being applied to my accounts. Wells Fargo is delaying the application of payment for XXXX  days and said this was automatically applied. My issue is on XX/XX/2024 when speaking to the banker he was clear in the need to have the available credit given I was traveling to XXXX on XXXX of XXXX. The case was escalated to a level XXXX employee and he informed me it takes XXXX days but would take XXXX  days for me. This is not at all the customer service experience needed given the bank can easily apply the payment given then statement shows received and only using XXXX  % of XXXX balance with available credit of {$1100.00}. Often times this happens I pay the full card off not realizing that they have received the payment for credit card balance. In addition, I pay my credit card off every month. Given the nature of international travel, deleted records, I am forced to file a complaint to elucidate the retention of customer cash assets to paid the banks ability to earn interest on funds that should be directly applied to my credit card in real time upon receipt. This is not complex but very fraudulent way to business retaining customer received funds and not applying them to the correct account. The funds have left the external payor account XX/XX/XXXX showing Electronic withdrawal XXXX XXXX. In addition, if XXXX is XXXX  why are my payments being held for XXXX  days when the documents show XXXX XXXX days. The bank could have released the payment to give me full access to my available credit.
Consumer complaint received 2023-01-30
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CO)

XXXX XXXX Claim Date : XX/XX/XXXX, 2017 Claim Number : XXXX Claim Amount : {$2800.00} Disputed transaction error twice both times it was no error found I put all the necessary documents together and still no remedy. Netspend is now settling a class action suit in the amounts of {$53.00} million. They have opened accounts in my name and I requested them to close and still no action. Please help me they have hurt me financially.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The collection account with XXXX was paid in full and closed on X/X/17. The account has remained incorrectly reported with Transunion for more than 45 days. This has caused delays in applications that were necessary for me to file by a certain time.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (GA)

I am writing to file a formal complaint against XXXX XXXX XXXXXXXX XXXX regarding several discrepancies and issues that have negatively impacted my credit report. The details of my complaint are as follows : 1. **Multiple Accounts Reported on Credit Report** : I have discovered a total of 3 accounts reported on my credit report from different variations of this comapays name or affiliated companied ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ). Some these accounts appear to have been initiated by XXXX XXXX XXXX XXXX without my consent . 

I am unable o provide account numbers and specific information about these accounts due o the fact that they have limited information listed on my credit profile 2. **Credit Builder Account** : I am aware of one account, a Credit Builder Account , which I opened and have since paid in full and closed. During the tenure of this account, I was offered a secured credit card. 

XXXX. **XXXX XXXX XXXX  XXXX : The secured credit card was funded by pulling money from my Credit Builder Account . Over time, as I made payments, I chose to have the funds moved to the secured credit card fund. Upon paying off the Credit Builder Account in full, all the funds were transferred to the secured credit card. I was informed by a XXXX XXXX associate that I would not receive a payout because the money would be applied to my secured credit card.

4. **Late Payment Reporting** : Despite the funds being applied to my secured credit card and my Credit Builder Account being paid in full and closed, I am still receiving late payment notices for this secured card in which i was also told was closed. This is highly confusing and unjust, considering I was led to believe that all payments were up to date and correctly managed. 

I am requesting an immediate investigation into these matters. The incorrect reporting of multiple accounts that I did not open is a serious issue that requires rectification. Additionally, the mishandling of my secured credit card funds and the erroneous late payment reports are damaging my credit score and financial reputation. 

Furthermore this company has also violated my rights under the FCRA. 
15 US Code 1681 section 602 15 US Code 1681 section 604 section 2 15 US Code 1666b I would like the late payments removed and account agrees to Paid as agreed, never late