davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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. (VA)

I have been contacting Experian since XX/XX/2020 requesting the removal of 3 unverifiable bankruptcies reporting on my credit profile. Experian claimed they verified the information. I have sent them a letter from the courthouse stating they don't report the information on my report. I also contacted XXXX in which they could not verify the information and sent both documents to Experian to remove the unverified information. Experian has not removed the 3 bankruptcies even tho the bankruptcies are unverifiable.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have been a customer with XXXX for a long time. I have never been late. I asked them to remove the billing error and they lied to me and said that they have investigated and found it to be true. I have my detailed billing history and no this is not true.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 XXXX fraudulent XXXX transfers were taken from my personal account totaling {$1100.00}. I called Bank of Americas claims department and an associate told me that Bank of America holds no accountability when it comes to XXXX and that it was not her problem. She gave me a XXXX number for XXXX but said that I am not likely to get through to anyone. I called again and spoke to an associate from Bank of America who explained that XXXX used to be convenient and safe, but now it is an easy way to lose your funds. I still have the text when Bank of America asked if I approved the transaction, I texted No. I also logged into my online account and requested my funds back through XXXX. How can Bank of America hold no accountability for XXXX, when they offer it through their website. XXXX is on their homepage, but they do not trust XXXX. Why would anyone keep their hard-earned money in a bank that promotes third party companies and can not back them up? They claim that they have nothing to do with XXXX, but they do. The last conversation I had was with a much more compassionate associate who explained to me that it could accept to forty-five days to complete the investigation. It has been two-weeks and still no refund, claim number, email, or any sign that I even inquired. I have been a loyal customer of Bank of Americas since I was a teenager. I have direct deposits, a business, personal, and a savings account with them. Lately, every time I have tried to contact them, I am on hold for over an hour. I suppose I have to take tomorrow off so that I can go in-person to a bank teller that may be a bit more helpful. As a single mother, I am still recovering from an XXXX XXXX  XXXX, take care of my children, my XXXX XXXX father, and can not afford to have my funds taken away and left with no accountability. I was told that one refund of {$580.00} was stopped and the other one of {$580.00} is being disputed. This is not the case unfortunately. Thank you ahead of time for your patience and understanding, Gratefully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frost-Arnett Company (IN)

I receive a blank envelope in the mail with no information other than my name, address, and sender address.

The issue arises when looking at the visible paper through the plastic of the envelope : the paper used to print was thinking enough you could easily read what was on the other side, albiet backwards.

This revealed information regarding the company sending the letter, listed " payment options '', and more.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

No information was given regarding the account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-11-06
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. (NC)

There are many many accounts on my credit report with XXXX, XXXX, transunion that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.
Consumer complaint received 2019-02-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

A communication was received by XXXX XXXX XXXX XXXX that is not mine and I do not own this debt. I would like to get the issue resolved before the items is placed on my credit report and damages my credit worthiness. Amount is for XXXX, I have no idea where this debt came from, as I have fraud protection on my accounts which would/ should require the creditor to contact me ( this was never done ). The other amount is for XXXX
Consumer complaint received 2017-11-08
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. (TX)

The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX. 
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (AZ)

I asked my bank why they were charging me interest charges on a secured credit card of mine, cause the credit line on my card is money I put in there trust because I had bad credit.I was told that I would only have to pay a annual member fee charge.I put {$1000.00} dollars for a secured credit line of my money so I could start a credit history.The thing that really worried me was last month I never used, are charged anything on my credit card and they charged me a {$11.00} interest charge on purchases made? When I ask them why they told me it was in the fine print that I agreed to, ( I NEVER SEEN THAT ARE TOLD THAT ) .I also notice that my credit line is charge a interest charge every time I use the credit card to buy something.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I recently disputed TWO closed medical accounts that are on my Equifax credit report. I received my credit report now these TWO accounts are now FOUR accounts, the same accounts are reporting on my report twice. These accounts have been disputed and removed from other reporting agencies, how are Equifax results accurate? These accounts were also placed in collections, but Equifax still has them with the original creditor, their investigation is not accurate and the accounts need to be removed from my credit report. These accounts are the account numbers and opened on the same day, and same balance, come on CFPB help consumers with these simple costly mistakes. This clearly is a FCRA violation and can be a costly fine.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me XXXX XXXX  to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situatio
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WI)

I have never had the account that the debt collector is trying to say I owe. this has gone on for years dating back to XX/XX/2016. I have contacted XXXX XXXX XXXX many times over the years to dispute this debt and they keep telling me that it is my debt.They tell me it is an account from SYNCHRONY BANK Original Creditor. I have not had any accounts with this bank ever.
Consumer complaint received 2019-02-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Equifax and XXXX  are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-04-06
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. (NY)

I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.
Consumer complaint received 2015-08-01
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America solicits you for overdraft protection. Which costs me {$10.00} per month or so. Then, if Bank of America utilizes the overdraft protection from my savings to my checking account. They will charge me {$3.00} per transaction. So, they offer this service that we have to pay for and then they charge me to transfer the money. I have been charged for this service. How is this servicing the customers? This is ridiculous. We are losing money we do n't already have. This is a serious issue and I am not sure who all knows about this rip off.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NY)

I purchased XXXX ethereum at the price of {$190.00} each, with a total of {$780.00} including {$11.00} fee. I made this purchase on XX/XX/XXXX at XXXX PDT and the confirmation E-mail i received stated I 'll receive the XXXX ethereum on " Your ethereum will arrive by the end of day on XX/XX/XXXX XXXX. '' It 's XX/XX/XXXX now and I still have n't receive them. I 've been E-mailing to Coinbase support for the past week and no reply at all. 
My E-mail to my coinbase account is XXXXXXXXXXXX
Consumer complaint received 2018-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I filed a dispute with Equifax in XX/XX/XXXX about collections on my file. My disputes where supposed to be complete in XX/XX/XXXX. I contacted Equifax at the end of XX/XX/XXXX and was told by four different representatives that the companies did not respond so everything would be removed. I called back the next day an was told they responded and were all verified. An, that by law they have forty five days to respond. I know that is not true. I asked how and when because it was well pass thirty days. An, was told the day before they would be removed because of no response. I asked what kind of validation did they send validating the accounts were mine. I was told they use XXXX XXXX to validate accounts. I contacted XXXX XXXX an was told that's not true. I redistribute again they said they were validated. I disputed them again XX/XX/XXXX for the third or fourth time. I called to check on a fax I sent to them an asked about my disputes and was told i have none because they weren't done right. So, they are sitting there closed. So, XX/XX/XXXX I redisputed them again. I keep getting different stories everytime I call. I've been a victim of fraud before so this is unsettling.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The amount on the card was XXXX and I only spent XXXX but the amount balance after the transaction was XXXX. I then proceeded to call the company to file a complaint and I was on hold for a long time. There was no answer so I decided to file a complaint to consumer finance and I was given a specialist from Bank of America but he only called once and I called back after maybe 5 minutes and he did not answer. Ever since Ive been leaving voicemails because when I call it goes straight to voicemail and he has not called me back. Its been almost two months and no response.
Consumer complaint received 2017-09-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have tried many time to resolve this problem with Select Portfolio Servicing. First off I can not seem to figure out if they are a collection agency or a Lender. They seem to pose as both. My issues with them date back almost XXXX or XXXX yrs, with faulty accounting and excessive fees. 

Recently I was offered a plan to catch up on my payments. I feel way behind while trying to work out a modification plan with them. They delayed this process extensively causing me to get to a point that I fell behind and could not catch up with the payments. The plan consists of 12 monthly payments of over XXXX with a balloon payment at the end of over XXXX. 

My question to them has been as always what exactly is the money going towards. With the monthly payments I need to know what is going towards principle, what is going towards fees and other excessive charges they have tacked onto my mortgage. 

They say the principle for the loan is {>= $1,000,000} yet on my lat statement they showed me owing {$270000.00}. Much of this excessive fees for things I do n't even know about and am not sure I should be paying. I need to know what is what so I know I am actually paying this down and not being taken for a ride. I 'm in deep enough and need to pay this off correctly. 

I request a full breakdown of all fees, changes for foreclosure processing fees and lawyer fees and whatever else was involved in the many time that have tried foreclosing on me for the wrong reasons. I need to know every financial aspect of this account and have a detailed accounting of everything. 

I have also many times requested a Principle Reduction from Select Portfolio. I feel I am the perfect candidate at this point for such a program. Yet they continuously deny my request even though they were given funding for such programs.
Consumer complaint received 2023-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MI)

Mrsbpo XXXX XXXX XXXX XXXX XXXX nj XXXX is attempting to collect {$630.00} claiming they are a debt collector for a credit card I have never had. They call multiple times and have sent letter asking for payment.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (NY)

I have a small business credit card with American Express. They told me that they did not receive a payment and closed the account. They also reported on my personal credit that they closed and charged off the account. During the pandemic. We gave them proof that it was paid. They still have not credited us and filed a lawsuit against me in court for this amount plus a {$2000.00} interest charge. 
I have been calling them. My attorney has been calling them. This has been going on for about 7 month and they told my attorney they were sending me a letter clearing up the matter and then they filed a lawsuit. The man that claimed it was cleared up was Mr. XXXX.
Consumer complaint received 2021-02-15
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 (GA)

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 for months 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 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I tried to reach out to all 3 credit reporting bureaus with no success. 

Due to Covid-19 my only source of income other than my Social Security are my EDD payments. Unfortunately my EDD account has been flagged and suspended until I can re-verify my identity which I can not due because my driver 's lic. and passport have expired and they are the only 2 ways to start the verification process. I have applied for a new lic. which can take up to 6 weeks to receive. 

Consequently I have not been able to pay many of my bills on time or in full. This has dramatically effected my credit scores. I am hoping that there is a way to intercede on my behalf to remove negative comments until my EDD payments resume.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have submitted a dispute but have not been notified that the accounts being disputed are under investigation and/or deleted. They have only added comments and have not removed the inaccurate accounts. The accounts have recently hurt my potential to obtain a home in which I have been denied and other things based off these inaccurate reporting 's. I have requested these to be removed immediately but they have not been removed. They have also obtained and used non public information without permission in these reports which violates the FCRA. 

The information on my credit report that is being reported violates several FCRA laws : 602 15 U.S.C 1681 611, 15 U.S.C 1681,15. U.S.C 6801, 623 15 U.S.C 1681. All which I have included my dispute letter.
Consumer complaint received 2021-06-30
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. (OH)

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. I, XXXX XXXX, did not provide your agency written instructions to include this fraudulent account in my consumer report. This is a violation of 15 USC 1681b- ( a ) ( 2 ). You have caused me grave issues and faltered me from being able to advance in my life. I have a family and I would like to be able to purchase a house. These fraudulent accounts are holding me back. I know and am aware of my rights and I demand that the balances are XXXX out and removed from my account. 

The following documentation will be shipped directly to you so that there is no back and forth about identity verification.