davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
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Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2020-07-07
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. (DC)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : 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 2020-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Herbert P. Sears Co., Inc. (CA)

On or around XX/XX/2020 HP Sears has added a collection to my account without any notifications. This collection has previously been removed from my credit reports for not having served the proper documentation as well on or around XX/XX/2020 and XX/XX/2020.
Consumer complaint received 2021-09-14
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 (TX)

XXXX I received an email stating account negative. Several duplicate transactions from the same merchant posted on XXXX then same transactions posted XXXX totaling over {$2500.00}. After speaking w/the merchant, I was advised they didn't see any orders or transactions processed on XXXX only the order on XXXX. 
XXXX spoke w/new rep XXXX who after 45min stated she needed help and transferred me to XXXX in FL . I advised duplicate charges, XXXX advised because of the amount and number of duplicate charges she would submit as fraud. XXXX closed my card and said submitting as fraud because we would be on the phone over 2 hrs if she did each transaction. I asked if submitting via fraud not duplicate like I stated if claim would be processed differently, her response was no. 
XXXX called back to verify if fraud was the correction action, spoke w/senior client advocate XXXX who stated it appeared to be fraud vs. duplicate charges because of the number of times the amounts posted. 
XXXX spoke w/rep XXXX who stated claim denied as it was not fraud. I advised of previous conversations and parties spoke to. Rep sent a request to reopen w/the correct action. 
XXXX spoke w/supervisor working the phones XXXX in FL who stated reopened claim was done incorrectly and about to be denied again. I was also advised to now send in the order email from the merchant. 

I have not received a provisional credit or my money otherwise! Each rep and supervisor that I speak with agree they see the obvious duplicate charges HOWEVER when it goes to the research department in the claims area they are simply denying and closing out each claim submitted. My account is in the negative w/nsf due to the obvious duplicate charges. I need my money back! I again called the merchant who is stating the same they only show one order w/one day of processing. The bank should dispute as duplicate, send them the information so they can state duplicate, no record of second order. The bank is not doing this?! Please help I am not only a veteran but I have XXXX XXXX XXXX XXXX and this is causing me to a lot of undue stress and to be quite uneasy.
Consumer complaint received 2022-10-13
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: AMERICAN EXPRESS COMPANY (NY)

We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Manipulated Interest Rate Charged Capital One Bank indulged with internal manipulation of interest rate with certain value with proportional percentage based on the internal value management prescriptions. The interest rate on purchases us 24.24 % and Cash Advance is 24.24 % I have a balance of {$4900.00} and the interest charged was {$140.00}. I have tried every best financial calculation to justifying the interest rate charged at {$140.00} with 24.24 %. I called the staff and with explanation that certain percentage was manipulated with different rates. I was surprise with the internal management indulgent with associated unjustified charges and variation of interest charges with different co-efficient factors from Capital One Bank This is my second complaints that I ask the FTC for the investigation
Consumer complaint received 2018-03-04
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: Experian Information Solutions Inc. (TN)

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XXXX Creditor Name : XXXXXXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, I did a same day wire transfer for the amount of {$240000.00} between my checking account in Bank of America and my account in XXXX. 

Bank of America claims that the money is stuck in XXXX XXXX, an XXXX  XXXX  for the transfer. BoA also claim that they have contacted XXXX XXXX to recall the transfer, but that they got a request for more information from XXXX XXXX. This information was provided last week and still have not heard from XXXX XXXX or BoA, and, in the meantime I am out of almost a quarter of a XXXX dollars for almost a month and the interest lost in my savings account at XXXX XXXX is in excess of {$500.00}
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (GA)

I have contacted CKS several times on this matter. They are advised numerous times they do not own this account even though they are reporting on my credit report to XXXX, XXXX, and XXXX. I was advised to contact Velocity Investments at XXXX where that had the account transferred to and as the new owner. I spoke to Velocity Investments today XX/XX/28 and they confirmed they held the account and accepted the payment offer of {$360.00} along with the request to have the item deleted from my credit report. Payment made and Velocity Investment provided payment confirmation # XXXX. They also stated they would submit a letter in 10 business days confirming arrange. In result, CKS is still reporting inaccurate information to the credit agencies.
Consumer complaint received 2021-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX 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 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2021 I was contacted by Bank of America saying some fraud was detected on my account. They verified my info and told me to assist in making sure it wouldn't process. They said my account should be fixed in 6 hours little to say later on I noticed XXXX missing from my account through XXXX I have filed several claims with Bank Of America and XXXX. They have denied every attempt I've made to get my money back saying they were unable to retrieve they funds and I should contact the merchant. Like I know who they are! To add insult to injury the Bank says it's not insured. I never asked for XXXX and only used it because the bank has it I never requested that XXXX be able.to access my account like this XXXX XXXX. I am not the only vitim either Also I believe the Virginia Employment Commission VEC has been hacked along with other Unemployment Agencies across the country. I say this because One day I waa calling to file a claim and the VEC didn't answer. First it was the answering service for XXXX XXXX second XXXX XXXX  then XXXX XXXX and so on. I am XXXX yrs old and I have been a gamer all my life I know when there is a glitch in the system. I tried to report this I left a message that was the best I could do. I figured the government would figure it out soon enough. I guess they haven't.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I requested a deferred payment due to the pandemic on myXX/XX/XXXXXXXX XXXX with fifth third bank. They informed me I had 6 months until my next payment. I called back today and they informed me its half a payment each month for 6 months. Its showing late on my husbands credit and mine. I made a payment today to get caught up. Can you please update the late status on my credit and my husbands. This pandemic financial options are new to us and confusing. Please help us. 

XXXX XXXX
Consumer complaint received 2022-04-28
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: OneMain Finance Corporation (NC)

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 
15 usc 1681 section 602 state I have the right to privacy.

15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 usc 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose
Consumer complaint received 2021-12-09
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXBalance {$0.00} XXXXBalance {$1900.00} XXXX XXXXBalance {$760.00} XXXXBalance {$1200.00} XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$310.00}
Consumer complaint received 2021-12-09
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXBalance {$0.00} XXXXBalance {$1900.00} XXXX  XXXXBalance {$760.00} XXXX XXXXXXXXBalance {$4000.00} XXXX*Balance {$1200.00XXXX XXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00}
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IL)

to the company NETSPEND XXXX XXXX ; I received a card in the mail to my home address. I did not apply for this netspendXXXX XXXX. Nor it is my name.

Your ( NETSPEND ) customer service is frighteningly not assuring that there are no other accounts associated with my address and under any other fraudsters.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

I bought a pair of leggings for my wife on a website on XX/XX/XXXX and after several weeks I didnt receive any shipping information from the seller. I contacted the seller via email and requested that my order be cancelled and money returned. The seller stated they would contact me to resolve but they never did. I filed a dispute with PayPal and advised the. That I never received the products that I bought. PayPal looked into this and magically the seller sends PayPal a tracking number for USPS. Keep in mind it has been several weeks since my order and I never received this tracking number. When I look up the tracking number it said it was delivered by usps on XX/XX/XXXX. I absolutely never received this package. After further research into this company I found numerous websites stating that the company was a scam and that they will never send you what you bought. This was shared with PayPal but they did not listen to me. They said that since the tracking number said it was delivered there was nothing I could do. I dont believe that PayPal really researched this issue and if they did that did a half XXXX job. They were next to impossible to contact and no help at all.