davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

Mortgage company HSBC/XXXX XXXX reported a late payment XXXX XXXX. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. 
After filing an investigation via Equifax, XXXX XXXX denied it, claiming it was late. I have evidence to the contrary. 
Also, Equifax has XXXX credibility anymore and should be dissolved
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

PayPal Inc intends to make valid an electronic transaction for {$XXXX} paid to XXXX XXXX which has been disputed, cancelled and still after almost 3 months denies the possibility to XXXX XXXX to refund such money owed through the same means ( PayPal ) which was made to make such purchase alleging that PayPal Credit has not cancelled such dispute and therefore notified PayPal Inc impeding the whole refund transaction to take place.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both TransUnion and XXXX. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.
Consumer complaint received 2018-01-02
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. (WI)

Please see attached document for full details of complaint. Experian has failed to conduct a proper investigation and I am demanding a full description of the procedures used to substantiate the conclusions of their investigation into the following accounts : XXXX XXXX XXXX ******* I am preparing to take civil action if this request is not handled properly*****
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I canceled my XXXX Dollar XXXX XXXX with XXXX XXXX and informed XXXX Citi Bank that I was charged XXXX on X/XX/2017. 
I had cancled my XXXX Dollar XXXX XXXX before the trial period ended. The XXXX Dollar XXXX XXXX is misleading and I revived no monetary benefit past the trial period. 
I had my Citi card reissued prior to this date so XXXX had presented an charge on a closed account number. Citi reversed the charges to XXXX. When I filed an complaint. 
I contacted Citi when the charge reappeared as XXXX had reversed the charge back on to my Citi Card. 
Now XXXX reports a negative statement filed by Citi and my credit rateing dropped some 50 points plus or minus and I was recharged the XXXX, and it was paid on time. 
Citi also reports a account deficIte with XXXX when the balance of my account is paid-off fully every billing cycle.
Consumer complaint received 2018-01-02
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: Navient Solutions, LLC. (GA)

I am disputing the following account with XXXX XXXX/XXXX   account number XXXX this account was paid in full some how the update did not take place with XXXX Credit Reporting this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score
Consumer complaint received 2024-01-30
Product: Credit reporting 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. (TX)

All these accounts that I don't know and are in my report I don't want them, I have reported them many times 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
Consumer complaint received 2018-01-02
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. (NY)

I have a XXXX XXXX credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my XXXX XXXX mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called XXXX XXXX and they said I should file a dispute with Transunion and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called XXXX XXXX and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The only way to protect myself after the XXXX breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.
Consumer complaint received 2018-01-02
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. (FL)

I have written to XXXX, XXXX and Equifax regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, XXXX and Equifax have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.
Consumer complaint received 2017-07-12
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. (NC)

I filed a dispute with Equifax and XXXX on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from XXXX at all and I have disputed more items beginning in XX/XX/XXXXof this year. Equifax have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.
Consumer complaint received 2018-01-02
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)

This letter is a formal complaint disputing the inaccurate reporting to XXXX, Experian, and XXXX  by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, Experian, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, Experian, and XXXX  and provide me written proof that this has been completed.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (MI)

On XXXX XXXX I received an alert that I have a collection on my report. I never received a call or letter from franklin collection service. I called the agency they stated it 's from XXXX for service I never received. I leased my home for 3 years and during this time I became a victim of identity theft. I submitted a dispute to the creditor they reported it again as a new debt. I also checked this collection agency is not authorized to collect debt in Michigan.
Consumer complaint received 2017-07-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

Total Current Balance : {$64000.00} Loan Due Date Amount Status Auto Pa y 1-01 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-02 Direct Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due 1-03 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-04 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-05 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-06 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-07 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-08 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-09 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-10 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-11 Direct Loan - Subsidized  XX/XX/XXXX 2017 {$0.00} No Payment Due 1-12 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-13 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-14 Dir ect Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due Total Current Balance : {$64000.00}  XXXX  College started at :  XXXX , they add a additional  XXXX  prior to starting payments
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX XXXX XXXX 2017 ( XX/XX/2017 ) I received a call from a Bank of America representative to be precise fraud department telling that, there is fraud going on regarding phone numbers associated with customers account, I said okay then she said for verification propose she was going to send me a text to my phone for clarification and identification which she did and I verified. Not quite two hour I log into my account and I saw the sum of XXXX XXXX XXXX XXXX dollars being debited from the account been pending I called Bank of America right away, I was transferred from one department to the other until finally someone told me that the department responsible for such matters is closed, that I should call the next he gave me number to call.

When I did call the next day I was instructed to go to the bank office and open a new account and the current account in question will be temporary suspended pending investigation, what ever I have balance will be transferred to the new account that it might take ten business day for the investigation. After ten days I called and I was told that they sent me an email which actually I saw but was n't sure if that was from XXXX XXXX XXXX because it was not easy to access. Eventually I was directed on how to open it but before that the representative told me that my case was denied. I have been trying to reach Bank of America that I have nothing to do with such transaction they have been very adamant about not returning my money, hence I decided to reach everyone that can help in collecting my money for this have cause a great hardship to my family through the Holidays. Thanks XXXX : I am unable to attach the police report
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (NC)

First Credit Svcs has reported a {$200.00} collection account on my credit report. Prior to seeing this account appear, I received no notification from this collection agency at all. This is a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2017-09-13
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. (KS)

I have provided all three credit bureaus information regarding XXXX XXXX which included conflict of the original balance being reported to the credit bureaus and me I provided documentation to support the dispute as I have always done. on XXXX XXXX,2017 XXXX sent me an email stating XXXX XXXX was being removed from my credit. based on XXXX providing me documentation through my credit report stating the original loan balance was different from what the loan statement was. As of today, with all the documentation provided, Equifax continue to have this account as if it was dismissed in a bankruptcy. This account was never in bankruptcy. I have not received word on XXXX in which provided me documentation of that they have raised my credit score.
I believe I am one of those who had been hacked because my credit score was higher before the information was leaked now it is really low. the lowest
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

Online Collections is reporting that I have a debt with their collection agency for {$2600.00} on my credit report. However, I called them and paid off this debt on XX/XX/XXXX. I have disputed this account with the credit bureaus twice since I paid it, however Online Collections continues to tell the credit bureaus that the debt is still unpaid.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my  complaint.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tri-Counties Accounts Adjustment Bureau (ID)

My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX on XXXX XXXX  2018.      Here is what he told me occurred:




The above was all from him and I am not pleased with them sharing my personal information and i know that it's not legal!
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Greetings, I sold an amount of Litecoin on XXXX XXXX at XXXX on the XXXX / XXXX XXXX. I then immediately initiated a wire transfer back to my XXXX XXXX bank account in the amount of {$10000.00}. 

The date today is XXXX XXXX. I still have not received my funds! 

I opened a case with Coinbase on XXXX XXXX, I 've direct messaged Coinbase support on Twitter, and I 've called their support line, but have received no response at all. 

The transfer shows as complete in my account history, however XXXX XXXX has no record of an incoming transfer to my account. [ and my account info for the transfer is correct ] Its been 9 business days, its starting to look like Coinbase stole my funds.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX I asked Experian who was reporting in accurate information to my credit report.! they told me XXXX XXXX XXXX! I had over 23 inaccurate information I had to dispute 15USC 1681B ( A ) you can not furnish a consumer report without written instructions from consumers whom it relates I have not given ( Experian ) this right and privacy at 1974 The FCRA 616 ( b ) states : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured not its harder for to get or apply for credit because of these violations on my report.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. 

Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.