davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
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: EQUIFAX, INC. (FL)

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So, because of my untimely payments, I incurred several months of late payments with my Bank of America credit card and all my other credit cards. I contacted all of my credit card companies and I told them what occurred and the reason why I was late. All of the other banks agreed to take off all the late payments on the account, and subsequently, I paid the current payment due as part of the agreement. I contacted Bank of America and I asked if I could have the late payments waived. The agent asked what were the issues and the reason why I was late at the time, ( I was two months late ). I told them once again the reason due to me studying for the XXXX XXXX XXXX ; I had to reduce my work hours. The manager online listened and said that there is nothing that he could do. If I dont pay the late fees the credit card account will be charged off. Now, the late fees have increased now I am up to six months in late payments, when I first contacted Bank of America I had two months of late fees. They have charged off the card in their system and I can not use the card again. The Bank offered me a settlement and I told them on XXXX XXXX, 2017 - I was willing to pay {$700.00} as settlement while I was in the branch X/XX/2017 ... but the customer service agent was adamant about charging me {$1000.00} to settle the account. At this point I am done with Bank of America. They are continuing charging me fees and interest. I need to settle this account and get them off my credit report. My credit report is suffering in the interim. Please help me! Thank you,
Consumer complaint received 2023-01-19
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. (FL)

I had names that were not mine, addresses that are not deliverable to me by XXXX Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my XXXX, Transunion, XXXX credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.
Consumer complaint received 2020-10-11
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. (FL)

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (PA)

There is a XXXX hard inquiry credit check on my credit history pulled XXXX XXXX, 2015. I understand this is associated with Paypal, and I never authorized this or requested a service beyond having a Paypal account through my e-bay transactions.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Problem : On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' Result : On XX/XX/2020 Experian alerted that 'Score Decrease Your FICO Score has decreased by 17 points. 

Error : Experian error 102 unable for Experian to boost utilities Cause : Experian wrongly disconnected my bank XXXX after almost a year being connected. 

Misrepresentation by Experian : Experian  claims my bank XXXX not supported which is a lie because XXXX was already connected to Experian for almost 12 months and all my utility accounts recognized to boost score.
Consumer complaint received 2020-05-21
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. (GA)

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/20 someone used my Venmo account ( which is linked to my XXXX XXXX Account if there are no funds in Venmo ) to make an online purchase on XXXX which I did not authorize. I immediately let them know of this transaction being fraud and I was still charged for this transaction partially with funds from Venmo and the rest from XXXX XXXX. I disputed this with XXXX XXXX and they returned the money to my XXXX XXXX account so Venmo then charged me on XX/XX/20 to fund the full transaction again. 
This is highly unethical. I am very upset that they took money from my account to fund a fraudulent purchase which I told them I did not authorize as soon as I was alerted in my email. 
I have contacted venmo multiple times by phone, chat and email and they refuse to help. They keep circling around the issue and have denied my fraud claim once already. I have asked what information they obtained in their " investigation '' that led them to deny my claim and they have not given me any information at all. Venmo is not answering my phone calls and everytime I reach a rep through email or chat all they do is ask me to verify my identity and then they do NOTHING to investigate my claim or return my money.
Consumer complaint received 2018-10-02
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. (NC)

I wrote a letter to XXXX, TransUnion and XXXX dated XX/XX/2018 informing that there is negative report by XXXX XXXX XXXX  Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but neither three credit bureaus addressed this dispute. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to XXXX. However, TransUnion and XXXX also received the same letter, dated the same as well.
Consumer complaint received 2023-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

My daughter was in an accident and had an emergency room visit on XX/XX/XXXX. After my insurance pad their part I was left owing {$380.00}. I paid this with my XXXX card directed the payment from my XXXX website XX/XX/XXXX the payment was made directly to the provider XXXX XXXX XXXX XXXX XXXX and the payment cleared with my XXXX provider on XX/XX/XXXX. I received a collection notice from XXXX XX/XX/XXXX. I emailed them with proof of the cleared payment and also Called and spoke with XXXX on XX/XX/XXXX who confirmed they received the information and were waiting for the dispute process to clear. XX/XX/XXXX I received ANOTHER collection notice from XXXX. I have emailed them again with the same information that had me provide them previously. This is ridiculous that I have to continue this same communication with them to protect my credit when they have BEEN paid for almost 18 months.
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

I have gone through every step and every process to contact the collection agencies involved in these debts. I am a serious victim of identity theft and it is easily verifiable. I have been XXXX  during the entire time frame both of these incidents took place. I have been holding off on a lawsuit because of one simple reason and that is because my fiancs father is on his death bed and i have been preoccupied with all of that but I can peomise you if this error is not corrected immediately I will be following through. Because not only has this caused me serious /XXXX  and XXXX/ it has caused me to not /Get approved for apartments/Loans/Banks/Credit Cards. This has caused a serious impact to my arrival home and doing my best to do good.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I closed my union bank account and received a check for {$9000.00} and have not been able to cashed it. I need a new acc closure check mailed to me please have union bank contact me to mail me a new cashier check XXXX
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AL)

In XX/XX/2020, I received a credit monitoring alert that my account with Kia Motors Finance was reporting a repossession and the account was closed. However, I was making on time monthly payments, the car was not repossessed, and I never received communication from KMF that my account was closed. My payments were made directly from my bank account, so it wasnt until this time that I discovered KMF was not generating any monthly statements for my account. In XXXX and XXXX, I called KMFs customer service to determine what was happening to my account and to ensure my payments were being correctly reflected on my account. In XXXX, I filed an internal dispute about the credit reporting and was also assured that I would begin to receive monthly statements. After waiting a month, I still was not getting a monthly statement and my account was re-reported a closed/repossessed. In XXXX and XXXX, I emailed two of XXXX XXXX executives with the above information, asking for immediate clarification and correct reporting. A few days later in XXXX, I received a call from someone in the corporate office offering to help me. She was able to finally get statements reporting starting in XXXX, but I am still dealing with inaccurate credit reporting. Between XXXX and now, I will get an alert the account is reporting as repossess/closed. I will eventually get Kia to report it as open, and then the next month it will go back to reporting as closed on at least on CRA report. The most recent incident occurred with my XXXX report on XXXX XXXX. I should not have to spend hours on the phone to ensure accurate monthly reporting on my account.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following accounts and inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received a call from capital one stating that there may be fraudulent charges on my account ( an account I had but never used ) a total of {$28.00} was charged, I confirmed for them that they were fraudulent and that I did not make them and I would like the account closed as well! I have spoken with multiple representatives that have taken my security questions and my personal information and told me that it will be closed, I am now receiving mail saying that I have not contact them and I will be responsible for the charge I just received another statement saying if I do not pay the XXXX that I will be charged a {$35.00} late fee?? can someone please help me get the fraudulent charge removed and my account closed so I never have to deal with capital one again?
Consumer complaint received 2020-10-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. I didn't see any changes on my report since I've already paid for this account and never missed any payments. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

PayPal has been deceptive in their fees. I have been selling items on XXXX, and PayPal charges the shipping fees, as well as holds the profits from the sale. PayPal is charging BOTH my PayPal account and my checking account for shipping fees associated with selling my items on XXXX. I've contacted both XXXX and PayPal numerous times, particularly in the Month of XXXX. XX/XX/XXXX was the last day of the conversations with PayPal and XXXX. Both companies should have our conversation history with dates. Both XXXX and PayPal kept giving me the runaround -- saying it was XXXX XXXX fault -- and vice versa. 

Furthermore, when I try to sell items on XXXX -- it asks me to chose the method of payment. If I select PayPal -- the ONLY options PayPal gives me are my personal checking/credit accounts. I want PayPal to be the payment method -- not my personal accounts, and certainly not both accounts. 

I finally -- on my own -- discovered how to stop the bleeding on future transactions, but I still have ten transactions that are owed refunds. The way I figured it out was to go into PayPal, find automatic payments. There, you can see my checking account is associated with my paypal account and ebay account -- this is where I was double charged. I clicked to deactivate this automatic payment -- then started a new automatic payments with PayPal only -- not linking a checking account. Now, when I sell on ebay -- it directed me to Paypal, and the only option for automatic payments was PayPal, and not my personal accounts. This seems to be an obvious UDAAP violation. 

The amount of runaround I received from dozens of representatives from PayPal and XXXX was absurd. I asked to escalate the issue numerous times and nothing was done. 

Here are the transactions with dates and cost that still need resolution ( my name redacted with X ) : XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX   XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX  XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00}
Consumer complaint received 2021-09-15
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: JPMORGAN CHASE & CO. (OK)

XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

On XX/XX/2020, I closed the mortgage with AmeriHome. XXXX XXXX   company disbursed the outstanding loan amount to AmeriHome as documented on XX/XX/2020 in two transfers as the total amount is more than {$200000.00}. AmeriHome received {$200000.00} as per their online statement. 2nd transfer of XXXX was not credited to the my mortgage account at the same date for some unknown reason. On XX/XX/XXXX, my bank account is debited for the monthly mortgage amount of {$3300.00}. I had opted for automated payment with AmeriHome. Since the mortgage was closed, i was not expecting a automated withdrawal from my bank. I contacted AmeriHome and they did not  know about the closing. I contacted XXXX and the new Mortgage Company to rectify the issue. They contacted AmeriHome. Later XXXX  company informed me that AmeriHome made a mistake and it is rectified and escrow and remaining amount will be credited or sent to me within 7 days. This  all occurred on XX/XX/2020. Today is XX/XX/2020 and I did not receive any check from AmeriHome as of today. Checked with them and they are saying that it would take 30 days even though their website/automated phone says within 20 days, escrow will be disbursed. For me it is 41 days as of today since mortgage is closed. Even with the mistake they made, they don't show any urgency to disburse the amount due to me, which is around $  XXXX. I'm not sure whether they charged any interest for the mortgage from XX/XX/XXXX to XX/XX/XXXX, which I'd like to get refunded.
Consumer complaint received 2020-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (AR)

It has been several months and Professional Credit Management continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act by continuing to report a fraudulent debt to my credit file that was never opened by me. This account was previously deleted from my file and re-sold which is clearly a FCRA violation. Even after being notified this debt was a result of identity fraud Professional Credit Management continues to report this account to the major consumer reporting agencies. In addition in the state of Arkansas, Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). I find these actions totally unacceptable and Professional Credit Management must be held accountable for their actions.