davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NV)

Since XX/XX/XXXX I have been disputing a debt with XXXX XXXX XXXX for a termination fee of {$150.00}. I was charged this fee after speaking to two representatives that said I would not be charged a fee at all. I tried to dispute this for months and was told that they are aware of the representative telling me this but tried to make it hard for me to remove it from my account. I asked numerous times for this debt to be deleted before it was sent to collections. On XX/XX/XXXX I spoke to someone claiming to be a supervisor at XXXX ( ID : XXXX ). I was told that the charge would be reversed and she would stop it from going to collections.I asked for a letter or email to be sent to summarize what we went over for that call and was told that they would not be able to do that. However, on XX/XX/XXXX I saw that there was a charge to my credit report of {$150.00} for the collections sent from XXXX to Eastern Account System Inc. I called XXXX once again and found at that they did balance my account to {$0.00} but they had not made any attempt to stop it from collections because it was already sent to collections in XXXX which I was not told on the call from XX/XX/XXXX. I was told to call collections to handle it with them. I called XXXX again XX/XX/XXXX to check my balance and realized that it was closed out and told them it had been sent to collections. I was hung up on twice by two different representatives! When I called collections on XX/XX/XXXX, I was told that XXXX  has not cancelled the collections attempt and they would send over a notice to XXXX to verify this information.Though the collections agent did tell me that they usually update them daily. Today, XX/XX/XXXX I called the collections agency to check the status of the charge and was told XXXX has yet to respond to the notice. I have been trying to dispute this fraudulent charge since XXXX and have been lied to by XXXX numerous times. I am upset that it was taken to collections despite numerous phone calls where it was confirmed that the representative said I would not receive a termination fee.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc (PA)

I am a chime member and I had there secured credit builder card.. I've been a member for 3 or 4 years... They started depositing my paycheck ( XXXX dollars ) direct deposit into my credit builder account instead of my direct deposit. Which I didn't authorize. Threw the app I transfered it back to my checking account. I thought everything was fine. Then about a month later they closed my credit builder account. At first they said in was for inactivity. But I kept digging then they said it was because I had a outstanding balance of XXXX when I transfered the money back to my checking from credit builder. In there system they had me negative XXXX in my credit builder.. .. so to get this resolved it took me about a month of calling 2 times a week. So they finally fixed it and had my checking account right and my credit builder account with a XXXX balance. But they wouldn't let me reopen the account or open it themselves.I thought that was shady. So what I'm going threw now they won't report a updated balance of XXXX and closed account to transunion. They lasted report on XX/XX/XXXX. And today is XX/XX/XXXX. An I've been calling every other day. They gave me a account statement paper with a updated XXXX balance and closed account. But they won't report the updated balance to transunion. And it's hurting my credit score by XXXX points. They said they won't be reporting it because the account is closed. Well XXXX thinks it's open and carrying a balance. That's not fair reporting.. and they won't respond to any of disputes
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Due to coronavirus I am currently receiving unemployment. In around XXXX or XXXX I submitted a claim for fraudulent activity from information I received from the banks automated services. I wasnt able to go online to check my account until XXXX when I noticed there were several other trans actions and inquiry in my account that were suspicious. I have since added these inquiries to the claims I already have in process with bank of America. at this time I am filing a police report in order to help bank of America with there investigation to resolve this issue and in hope of prosecuting the person / persons involved. if you have any questions or need any other information from me feel free to contact me at XXXX, XXXX XXXX XXXX XXXX, here are the issues at hand, here are the claims I have open with bank of America & there claim # s/ # XXXX # XXXX, # XXXX, and the trans actions that took place that wasn't me. a withdrawal of {$100.00} to XXXX  XXXX XXXX  forward XXXX XXXX XXXX, XXXX. A purchase of {$69.00} at XXXX XXXX XXXX { same as above address } for a total of {$170.00}. next claim # for card # XXXX # XXXX XX/XX/20 XXXX XXXX in XXXX  XXXX, ca . with draw of {$1000.00}. on XX/XX/20 a with draw of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, ca. for a total of {$1700.00} claim # XXXX card # XXXX. XX/XX/20 inquiry in XXXX XXXX, wa. XX/XX/20. with draw of {$100.00}. at bank of America XXXX XXXX Wa. ATM. XX/XX/20 inquiry XXXX XXXX wa. XX/XX/20. with raw {$200.00}. at XXXX XXXX XXXX wa. on XX/XX/20 bank of America inquiry XXXX XXXX XXXX, XXXX, wa. on XX/XX/20, bank of XXXX with draw of {$460.00} from XXXX  XXXX  XXXX , XXXX wa . XX/XX/20 in XXXX XXXX XXXX atm XXXX XXXX XXXX , XXXX  XXXX , new York XXXX. XXXX. with draw of {$41.00}. from XXXX XXXX XXXX. XXXX XXXX, new York. XXXX. XX/XX/20 inquiry from XXXX XXXX, new York. on XX/XX/20 with draw of {$90.00}. from .bank of America XXXX XXXX new York . XX/XX/20 a bank of America atm inquiry. from XXXX XXXX new York. of a total on this card is {$890.00}. total of all caims is {$2700.00}. imsorry that this is a lot to cover but I would greatly appricate if you could please help me to get my money back. any questions please don't hesitate to call me at XXXX my address is XXXX XXXX  XXXX , XXXX , ca. XXXX. XXXX XXXX XXXX Thank you.
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

I received a letter from a collection company ( XXXX XXXX ) that informed me an account from PayPal was sold to them with a debit owed in the amount of {$2800.00} in my name from the year XXXX. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact PayPal at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX  has my credit report at a low score. When I paid the card off months ago and start back using it my score drops every time. 
When I pay the balance off my score barely changes. I don't no what's going on with scores lately pay off goes down use it goes down. 
Makes no sense to credit bureaus score there running and doing. 
Pay car off score does not change. 
Seems to me there is nothing going on but a scam to consumers by banks and the 3 big credit bureaus.
Consumer complaint received 2020-12-10
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)

AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.
Consumer complaint received 2020-12-10
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)

AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.
Consumer complaint received 2020-09-14
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. (FL)

I do NOT owe anything on this XXXX XXXX account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX XXXX
Consumer complaint received 2020-12-10
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. (NV)

I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 7 months from my written request I still have not received any responses.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation (NC)

I submitted a claim previously which was closed. the claim number is XXXX In the claim the Receivables Mgmt states " The balance is still outstanding at the hospital '' However, they report on my credit report to XXXX and XXXX that the balance has " been paid in full '' I have submitted screenshots of my credit report from both bureaus. 

I did not sign up for credit account with them. I have sent them validation letters to which they have ignored. And then they are reporting contradictory and false information. If I have a balance and my insurance didnt pay. Why are they reporting to XXXX and XXXX that the balance was paid? 

On page 4 of the document I submitted, which is my XXXX Credit report you can see where they are reporting that the balance is " - " and it states " Legally Paid in full... '', and also " Paid off : 100 % ''. On Page 3 of the second document, its states that the balance is " 0 Paid off 100 % ''. 

This is contradictory to what they are saying in my previous claim. If they claim i have a balance why are they reporting to the credit bureaus that I do not.
Consumer complaint received 2020-12-10
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)

I HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-10
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)

I HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (LA)

I ask company to validate this debt they couldn't there reporting illegal activity on my credit report they sent me a contract with someone address on it that does not belong to please delete this account for reporting inaccurate and false information and I have proof
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit scores from 3 credit reporting agencies and each has shown a massive decline in my credit score for  Transunion and XXXX. My credit score was XXXX for XXXX  and XXXX for Transunion for months and no one can explained the massive drop. I have paid all accounts on time. I have continued to reduced my credit utilization, paying out two accounts out of the 3 credit cards, XXXX and XXXX XXXX accounts are paid to a XXXX balance. I have paid my XXXX account down to {$4800.00} and though they are reporting {$5600.00} my credit score for months remained the same of XXXX and XXXX. My credit score has been XXXX and XXXX over a year or so and I have only continue to pay all of my creditors down, When I spoke to the rep at Transunion inquring about the drop in my score and informing her that XXXX XXXX, XXXX XXXX and XXXX   are all reporting the same devreased scores. Though I informed her that all 3 organizations report the scores using XXXX XXXX she indicated to me that Transunion uses XXXX XXXX. She indicated to me to contact the organizations and inquire of them why the drop in the score. I informed her that when I inquired of XXXX XXXX, XXXX and XXXX XXXX, all 3 organizations indicated they only report what Transunion and XXXX  reports to them. The only thing that should have reflected on my credit reports was an increase, not a massive decrease.
Consumer complaint received 2024-02-25
Product: Credit reporting 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)

Reporting act, the list of accounts below has violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) 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. Delete the accounts below : XXXX XXXX
Consumer complaint received 2020-12-10
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. (MD)

THIS ACCOUNT IS FRAUD AND COMPANY WILL NOT SEND ME A COPY OF THE ORIGINAL CONTRACT WITH MY SIGNATURE, WHICH THEY ARE REQUIRED TO DO BY LAW. SECONDLY THE CREDIT BUREAU HAVE NOT SENT ME A DECISION SINCE THE ORIGINAL FILING OF XX/XX/2020 WHICH AS OF TODAY HAVE BEEN 60 DAYS ..PLEASE ENFORCE THE REMOVAL OF THESE ITEMS OFF MY CREDIT REPORT PLEASE. IM ALSO FORWARDING A COPY OF A POLICE REPORT
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have repeatedly disputed this XXXX XXXX account that continues to exist as an outstanding balance on my credit report. XXXX  XXXX and Portfolio Reacovery Associates refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

XXXX XXXX referred my account number ending in XXXX to Portfolio Recovery Associates. Portfolio assigned a different number to this account XXXX and I paid this account in full to Portfolio recovery associates on XX/XX/2020. 

Portfolio only reported to the credit bureaus that the collection account was paid in full, not the XXXX XXXX account with the original number ending in XXXX. Portfolio never reported to XXXX XXXX that this account was paid or maybe it did and XXXX XXXX refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with XXXX XXXX and the other with Portfolio recovery associates but this is the same account. 

I have attached the documentation that this account has been paid in full from Portfolio. I called XXXX XXXX last month and they assured me that they would get this taken care of and will collaborate with Portfolio Recovery Associates that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with XXXX XXXX with the account ending in XXXX and this is incorrect. This account has been paid in full with Portfolio recovery associates. I have also attached how this account appears on my XXXX  credit report. This is laziness, unprofesionalism and unethical behavior on the part of XXXX XXXX and Portfolio recovery associates to refuse to correct this on my credit report. 

I also called Portfolio recovery associates last month and told him that Portfolio had assigned a different number than what XXXX XXXX had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by XXXX XXXX. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my XXXX XXXX account has been paid in full because the collections account by Portfolio recovery associates and XXXX  XXXX account are on in the same. Thank you.
Consumer complaint received 2021-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I tried to use my Home Depot credit card on XXXX XX/XX/2020, but it was declined. The account has an {$8800.00} credit limit, and there is no outstanding balance on it. 

I called XXXX at XXXX XXXX  and used the last four digits of my social security number to access my account. After making the appropriate selection in the phone prompts, my call was answered by someone in Citibank 's probate department. 

I explained to the man on the phone that I was not dead. He transferred me to the internal recovery department. The internal recovery department did not provide me with any information, and would not answer any questions. The woman I spoke with told me I have to call back tomorrow ( XXXX XX/XX/2020 XXXX and speak with the probate department. 

I am not dead. I also do not owe anything to Home Depot or Citibank as I paid my bill in full in XXXX of 2020.