davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (MA)

On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2021-03-29
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. (IL)

I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Your response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy federal placed a level 9 lock on my account due to fraud activity even though it had been reported my account was hacked I had no access to any accounts online and being military I couldn't access a branch in the middle of the ocean.. they refused to unlock the account. Causing me to dramatically fall behind on payments due to not being able to set auto pay or have access to those accounts.. they have sense submitted a consumer report calling for bad banking history which is untrue due to there own doing
Consumer complaint received 2020-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IN)

I am writing this complaint letter in reference of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX falsely reported a fraudulent debt to a collection agency, Wakefield and Associates. XXXX XXXX XXXX XXXX failed to furnish the information as required by consumer law. XXXX XXXX XXXX XXXX  has FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service. I have also filed a complaint with the State 's Attorney'sOffice for the states of Florida, Indiana, and Tennessee as XXXX XXXX XXXX XXXX  has forwarded this fraudulent bill to Wakefield and Associates. Wakefield and Associates are also filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (MO)

I received my unemployment back pay in XXXX ofXX/XX/2020 and right away my account was hacked and I disputed the charges and then I was a victim of identity theft and every dime I had was transferred to someone else account and I disputed the transfer and then I was told that I would have to wait until 90 days to see if I could even get my money back even though I did file charges and now even though I have emailed them several times I can't get them to update my phone number so that I can log in to the app and it is very frustrated I have become XXXX  amongst other things because of this bank
Consumer complaint received 2021-04-26
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)

Hello, I am very stressed out because I have unknown accounts in my profile. I just checked today and I was shocked. This is a mistake or maybe even fraud because I feel that someone could use my personal information. I can not understand how this possible. But I do not want to have fake items in my credit report thus I am asking you to remove it as soon as possible please.
Consumer complaint received 2020-09-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: G&P Enterprises, LLC (CA)

Allied Trustee had a collection debt file XXXX in XXXX for HOA dues. Which was paid in full and included fees for XXXX XXXX for the amount of {$5600.00} paid on XXXX XXXX now they have sent me a statement with fees dating back toXXXX -through XX/XX/XXXX. equaling {$200.00} also they are claiming I have not paid my HOA feesXXXX XX/XX/XXXX and that I only made a {$120.00} for XX/XX/XXXX leaving {$190.00} still to be paid. I tried to talk to a lady at the collection place and she basically would not listen to me when I tried to explain I have proof of payment and had a previous collection debt by them that was paid in full.
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (TX)

On XX/XX/XXXX I got an alert from XXXX that a Money Lion account with a balance of {$1000.00} was open. I did not open this account. I contacted Money Lion on XX/XX/XXXX and was told that the fraud dept would contact me via email within 4 business days. The rep had also sent me an email with the ticket number ( XXXX ). She also informed me that whoever opened the account also opened a checking account using my social and DOB. She also stated that the fraud dept noticed something suspicious and shut it down and no money was ever transferred, or loaned out. Since I hadn't received an email from them, I contacted them again on XX/XX/XXXX in which the rep from Money Lion put a " rush '' for them to call me. I've yet to receive a call or email and today is XX/XX/XXXX. I contacted the local police department so I could make a police report. An officer reached out to me on XX/XX/XXXX and I filed a report ( case # XXXX ) which I am still waiting to obtain a copy. Since Money Lion is yet to contact me, I feel i'm not being taken seriously and I need this deleted from my credit report. I'm really hoping that you will be able to assist me in this matter.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

i had two refunds for homestead exemption - one for XX/XX/XXXXand one for XXXX. The amounts were approximately {$620.00} and {$520.00}. huntington should have automatically done an escrow analysis when they refunds the funds, but did not. i'm paying an inflated house payment due to that. i was in forbearance because of money worries with covid. they couldn't care less about their customers. TWO CS reps. dropped off calls with me today. the first one had NO idea how to help and gave me the wrong amount of my house payment without taxes/insurance. today is requested an escrow analysis and seek to know WHY this wasn't done in XXXX.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made a lot of atm withdrawals and ordered food from XXXX XXXX  and the atm never dispensed any money or XXXX XXXX  delivered my food and I was charged for the food and atm withdrawals totaling XXXX
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company ()

I received an invoice dated XX/XX/20 in the amount of {$350.00} for supposed medical treatment from an ambulance company. Thirty days later I received a noticed from a collection agency now asking for {$420.00}. Per the FDCP, I'm not sure this constitutes a reasonable period of time before referring to collection agency as well as reasonable charges added to the supposed debt. in addition, I never received a copy of any signed form the clearly outlines payment timeframes as well as any future fees that could be added which is required by the FDCPA. Lastly, this invoice is fraudulent by nature since I received no medical treatment or transportation from this company. Any form I may have been coerced into signing was due to being severely intoxicated. The police officer involved also advised my parents that treatment and transportation was turned down.
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (AL)

In XXXX I was still with my wife, we had to file chapter XXXX bankruptcy, which took in my Auto loan from XXXX XXXX XXXX XXXX. Since separation I had to convert from XXXX XXXX to Chapter XXXX. Since the conversion was granted in XX/XX/XXXX I've paid twice a month on the auto loan in attempt to pay off the loan. XXXX XXXX refuses to update payment information stating no payments have been made since XXXX which is incorrect and penalizing me for my filing chapter XXXX when I was at the time protected. It has continued to drag my XXXX XXXX down to the low XXXX 's with no way to begin to repair my credit after a martial separation in which my ex pulled from our chapter XXXX and filled chapter XXXX alone, leaving me responsible for all marital debt. Chapter XXXX was my only recourse to rebuild my life alone. I have XXXX XXXX statements showing each payment made nearly double what my monthly payments are supposed to be, paid every XXXX weeks. Yet they still say I'm 90 days late or the past 3 months no payments have been made continuously dropping my credit score.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Consumer complaint received 2020-05-06
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)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery associates is currently reporting and incorrect address on an old charged off XXXX XXXX  account. My current address is " XXXX XXXX XXXX XXXX, Ga XXXX. Can you please send correspondence to my current address as well as update this address with the credit bureau.
Consumer complaint received 2021-05-23
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 will not help me with getting it back up and going. 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 but I remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal I complied on their verification system, sending documents and all but still my account got locked with my money on it telling me that I can't touch it for 180 days. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc. (CA)

Rauch-Milliken International , Inc. sent me a first and final notice dated XX/XX/XXXX regarding a debt connected to a company that I have not been associated or involved with since XXXX. The company was a limited partnership, so any debt acquired by this partnership would not be a personal liability of partners. The partnership was dissolved upon my certificate of withdrawal on XX/XX/XXXX. The remaining partners filed a a certificate of cancellation with the state of California on XX/XX/XXXX when they sold their interest in the company to an outside entity. All Vendors including the client of Rauch-Milliken were notified by mail. I have made several attempts to reach someone at this firm with no response.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Step 1 : What is this complaint about? My bank account was closed because of a loan i got from SBA account number is XXXX Step 2 : What type of problem are you having? 
My bank account is locked by chase bank and i cant pay my bills because i have no access to my bank account Step 3 : What happened? 
I applied for a SBA loan through the XXXX XXXX XXXX website as a XXXX  XXXX and was approved for {$24000.00}. I do not have a XXXX number because its not required when applying for the loan as it states on their website because i am applying as an XXXX XXXX. Below taken form site " Applicant is an individual who operates under a XXXX XXXX, with or without XXXX, or as an XXXX XXXX. '' The definition of a XXXX XXXX is someone without XXXX and who doesn't file any excise or pension plan tax returns doesn't need an XXXX, in this instance, the XXXX XXXX uses his or her social security number instead of an XXXX as the tax payer identification number. I have met all the requirement from the SBA to qualify for the loan and I dont know why chase is freezing my account and telling me that i need a XXXX when the SBA did not require a XXXX for the loan. 

Step 4 : What company is this complaint about? CHASE BANK Step 5 : Who are the people involved? XXXX XXXX
Consumer complaint received 2020-09-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (IL)

I filed a dispute with Credit karma, because I tried to withdraw cash from an atm, But Received No Cash or Receipt, but the Money subtracted from my balance. When I filed the dispute Credit Karma closed my Account and have not contacted me.
Consumer complaint received 2023-01-30
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. (FL)

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. 

XXXX - Account # XXXXXXXX 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 XXXXXXXX All these accounts 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 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.