davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (HI)

Lexington Law is deceptive in practices. I was a victim of their hotswap scheme and was transferred from a loan representative after being denied credit for a business loan. The first reviews on XXXX were good until I dug much deeper and found the real issues. I lost money to this scam. I could have been using this money to pay creditors rather than wasting months paying for little help.
Consumer complaint received 2021-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (FL)

On XX/XX/2021 I pulled my credit report on XXXX and noticed two accounts from NWIDE RECOVRY ( original creditor : XXXX XXXX XXXX XXXX ) what it states on my report ) twice on my credit file. Never heard of them have no knowledge of them or this debt nor did I receive any prior mail or Correspondence from them before seeing these two accounts on my credit file ( XXXX only ). So XXXX XXXX I wrote a letter to dispute these accounts with them and mailed them out XXXX XXXX and NATIONWIDE RECOVERY SYSTEM received my correspondence ( which was HIPPA LETTER & a request for validation ) XXXX XXXX they replied back with a janky letter they quickly wrote up and mailed to me which I received XXXX XXXX saying ( CURENT CREDITOR : XXXX XXXX XXXX ) and stating ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) and a file number saying this is what I requested and had another page attached which was also another letter they drafted up on their personal computer with a date, XXXX  XXXX ( I dont know if this a doctor name ) XXXX XXXX VISIT W/O collection agency and two of the same amount XXXX and two XXXX addresses as their way of Validating what they have placed on my credit report. They have not properly and accurately respond to my request nor did they properly provide me VALIDATION. So XXXX XXXX I responded to their lack of validation letter with a response of requesting they remove and delete the false reporting off my credit profile Immediately before I take legal action, which they received my correspondence XXXX XXXX which I have proof of ALL THESE DATES AND PAPERS and they decided to report on my XXXX  PROFILE today XXXX XXXX these same two accounts and with a STAUTS that reads included in XXXX Through Bankruptcy chapter XXXX false. At this point they are becoming desperate and they are falsely reporting whatever and tarnishing my image and my name. This is barbaric and not right at all. These credit bureaus are allowing anyone to report whatever they feel like. And they too should be help responsible. 

No one ( credit bureaus ) is Verifying The accuracy of information being placed on peoples credit files. 

I have images and dates for my truthful claims.
Consumer complaint received 2020-06-02
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. (CA)

I applied for a loan with XXXX today XX/XX/20 and I was not approved because there are 4 accounts in negative standing appearing on my credit. I was not aware these accounts were on my credit report before today because I did not open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX/XXXX. I don't know why these accounts are on my credit or who they belong to but I have never allowed anyone to open these accounts on my behalf using my personal information. I did not benefit anything such as money, goods, services or any other benefit from these accounts and I did not make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you XXXX XXXX- # XXXX
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and also kept the balance i had on hold for 180 days and will not help me getting it back, I started my own little business where i provided people with ad designs and web designs and my courses, Even my customers have verified to paypal that they have received the service. 
I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a long time now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a discrepancy I have noticed on my credit report, concerning an account that your organization currently manages ( XXXX {$2100.00} XXXX XXXX XXXX ) Recently, I had an opportunity to review my credit reports and observed that the balance reported for the account appears to be inaccurate. It has come to my notice that there exists a discrepancy between the balance as reported by your company and that as stated by Transunion Consumer Services Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request a correction of any inaccurate information on my credit report. Therefore, I kindly request that you thoroughly investigate this matter to ensure that the account information you report to credit bureaus is accurate and verifiable. 

If my dispute is valid, I would like to invoke Section 611 of the FCRA which requires that credit bureaus correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute. Accordingly, I request that you rectify this discrepancy and inform the [ credit bureau ] to delete this account from my credit report if it can not be accurately verified. In keeping with the regulations prescribed by the FCRA, I would appreciate it if you could provide me with an updated copy of my credit report once these changes have been affected. I understand that this is my right under Section 609 of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Best Regards, XXXX XXXX
Consumer complaint received 2020-09-01
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)

XXXX report my Student loan account late to the credit bureaus which caused my credit score to decrease by 109 points. The president paused student loan payments in XXXX. I recieved an email about my student loan being late so just in case I requested a deferment to be safe on XX/XX/XXXX, on XX/XX/XXXX they reported my loan late. I have my student loan reported late, but now during Covid when the president paused student loan payments and after I requested a deferment XXXX reports my students loan payments late. Decreasing my credit score 109 point has caused hard ship I have worked very hard to raise  my credit to XXXX right before I get to 700 they do this.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I woke up to go to the dentist and hit the XXXX app to take me there ( I do XXXX XXXX ). XXXX would not authorize saying my account for payment was not authenticating. So I called Citibank phone number on my debit card. They told me the bank froze my account. I asked why. They said they could not tell me why. I asked when, they said they could not tell me when. I asked when I could get my money ( I had XXXX accounts ) out of the accounts. They said they would mail me a check after they closed my account. I asked why my accounts were being closed, they said they did not know why. I asked when it happened they could not tell me. I asked them who asked to close the accounts, they could not see. I asked if it was a mistake, they said no. I asked when the check would be mailed, they said after the accounts were closed. Asked if the accounts were closed now, they said no. I asked when they would be closed, they could not tell me. So I got a ride from a friend to go to the local branch. The branch XXXX worked on it for XXXX hours trying to figure out why XXXX was closing my accounts. All they would tell him was " compliance '' He said it made no sense because he could see on his screen when people go to even review my accounts and no one had even been in there to review my accounts, much less be able to determine if there was a compliance issue. He finally got permission to let me withdraw the money out of the accounts that was due to me. It was approximately {$600.00}. He said I would get a letter with a phone number and to bring it into the branch and we could call and get this straightened out. I never got the letter. Instead, I got a demand for a minimal charge stating my account was closed because it was overdrawn. What a joke! It was not overdrawn. It was frozen. I do not owe them any money for freezing my account and forcing it closed due to compliance. I got no notice about the closing of my accounts. I am sure they have reported this falsely to the credit reporting bureaus. I think they were embezzling money from my account from the inside and they were getting calls from a XXXX citizen extremists helping them along the way. Then they decided to cover their tracks because they thought I was getting to close to piecing it all together so they had to freeze me out of online access. Then they created the bogus demand on overdraft. I have the evidence to prove that letter is not true. Since the letter was drawn by an employee inside XXXX, someone inside XXXX is working with XXXX XXXX extremists. That is domestic terrorism. It surely caused me a lot of harm.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than XXXX  days since I originally wrote them.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX card # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX services XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-11
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX/XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-04-26
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. (GA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-09-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC. (KS)

I was never contacted by this company. Not by mail or phone. Then a family member was contacted. I did n't even know they were trying to contact me because I was never call and never received any type of mail or communication. 

On XXXX XXXX, 2017 the contacted a family member whose number was not on the account and they would n't of had any access to. 
A name was given and then when I returned the call I was n't allowed to speak with that person. 
They refused to tell me how they got the family members number and why I was n't contacted.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I submitted two payments from my Citi account to my credit card companies. One was {$35.00}, the other was {$50.00}. According to both the mobile and desktop site, I had sufficient funds available for the transactions. 

However, while other transactions that were completed later were processed, both payments were returned for insufficient funds. I then tried to resubmit the payments on XX/XX/XXXX, and was told that those payments would be returned, as well. 

The representative told me that Citi presents payments in a hierarchy, which sounds incredibly problematic. Citi has no right to withhold my money to pick and choose to pay items as it sees fit. Citi also has no right to show a different account balance in real time than it shows historically. Citi must pay items in the order in which they are presented, and reflect the account balance accurately to the customer. 

The representative also advised me to use their bill pay system to avoid this situation in the future. The customer should not be forced to use a service they dont need in order to avoid Citis hierarchy. 

Citi consistently withholds funds to credit card issuers, which has resulted in higher interest rates and financial hardship for me. Information on Citis online and mobile platforms always conflict with information the representatives give by phone. This is dishonest business, and Citi needs to be held accountable.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX # XXXX This is inaccurate information on my credit report. They have this as a Charge-off ; however, it still has a balance on the account. Charge-off should not have a balance. Also, I should have received a 1099-C for this account which will make this a transaction that should not be placed my report per federal law.
Consumer complaint received 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I been out of work due to XXXX and was not able to keep up with my car note I paid small amounts when I can and I just start back working but my car is in repo status I always called and notified them of my circumstances they where just not understanding my car was taking away 2 times when I was XXXX and I had to borrow money to get it out
Consumer complaint received 2020-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, my boyfriend and I stayed in XXXX from the dates XXXX XXXX-XXXX XXXX, we left our card, which is Capital One, as a security deposit for the room Incase of any damage. We checked out of our resort on XX/XX/XXXX and on XX/XX/XXXX the Capital One card we used was charged {$1800.00} and {$99.00} on XX/XX/XXXX. The charge said XXXX XXXX XXXX XXXX #. We booked this trip through XXXX on XX/XX/2019, the total was {$3200.00} including our airfare, this was paid in full on that date. Of course when we saw this charge we tried contacting our hotel ( XXXX XXXX ),  which was very difficult because everything was closed due to COVID,  I finally got through to someone from the hotel and they had told me that XXXX never paid the hotel for our stay and it was now our responsibility and they were allowed to charge the card they had on file. I tried getting in touch with someone from XXXX and their website is completely shut down. Our only next option was to go through Capital One and file a dispute, we have filed 3 disputes since XXXX and they have yet to do anything for us. I am very upset because we have been a customer for years and they have denied my dispute every single time, we have sent many forms of proof showing our trip was paid in full. They have done absolutely nothing to help us, there are many people dealing with problems from XXXX. We are very upset and hope this gets resolved soon. Thank you
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Remove the fraudulent XXXX XXXX account with account XXXX XXXXXXXX immediately, acknowledged as identity theft by the company. Failure to act promptly violates federal laws, impacting my well-being, and I demand immediate compliance for an accurate credit report.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-09
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: AMERISAVE MORTGAGE CORPORATION (MA)

On XX/XX/2021, I requested fro an estimated rate by filling the online inquiry on AmeriSave Mortgage Corporations website. I consent to the soft pull. After that, I received an email with a link written " Click here for your personalized mortgage rate quote '', and it brought me to the home page of AmeriSave Mortgage Corporations website, which did not provide the quote that I requested. On XX/XX/2021, after I filled the online inquiry, someone called me three times and I assumed that's from AmeriSave. However, I was not able to answer it because I was at work. It means that I never had a chance to speak with someone from AmeriSave until XX/XX/2021. On XX/XX/2021, I found that my credit was decreased due to the hard inquiry made by AmeriSave. I sent an email to their customer service and told them I consent to a soft inquiry but they did a hard inquiry. They replied and claimed that " I took it a step further and authorized a hard pull to be done '' the next day. I then asked them how's possible that I gave authorization by only filling the online inquiry, but they never respond.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account for a business at Bank Of America, XXXX XX/XX/XXXX I deposited 3 different checks for XXXX each from the same person with three different dates. The check were from XXXX XXXX and they were dates as follows : -check numer XXXX for the amount of {$150.00} dated XX/XX/XXXX -check number XXXX for the amount of {$150.00} dated XX/XX/XXXX -check number XXXX for the amount of {$150.00} dated XX/XX/XXXX On the XXXX of XXXX my bank Bank Of America pulled out {$150.00} from my account claiming that a check was double deposited. 
I filed several claims at several dates and the answer was that they can '' t fix the issue and I myself have to contact XXXX XXXX and claim the money.