davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have had multiple car loans with XXXX Bank with no problems. However, on my loan number XXXX, XXXX Bank is inaccurately reporting {$58.00} as delinquent. 

I had taken advantage of their Covid 19 program to extend the loan. I have made all payments on time and have never been overdue. I made my last full payment in the amount of {$260.00} on XX/XX/2022 for the payment that was due on XXXX XXXX. 

I realized that there was small payoff amount due so I contacted XXXX Bank via phone on XXXX XXXX and paid off the remaining balance due of {$58.00} which I believed to be the finance charges from the Covid 19 extension. 

While checking my Experian credit report on XX/XX/2022. I am informed that XXXX Bank reported the amount of {$58.00} as delinquent loweirng my credit score by XXXX points. 
I contacted XXXX Bank and was informed that there is nothing that they can and will do. 

I have consistently made my payments on time with XXXX and have had multiple car loans through the bank. Now, they are refusing to update my credit report to say Paid in full and remove the delinquency of {$58.00}. Had I been aware of a payment due in this amount, I would have most definitely made the payment before XXXX considered it delinquent. I relied on making my payments via phone since I have not been able to og into my XXXX loan account for over a year. 

XXXX agents stated that normally courtesy calls are made to customers but I never received a call from them about this matter. I would not jeopardize my credit score over {$58.00}. 

I am requesting that my credit report be updated to show paid in full with the delinquency removed.
Consumer complaint received 2020-10-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Consumer complaint received 2023-04-04
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (AZ)

PayPal was used by a buyer that was purchasing some items from me .items were shipped in good condition nothing broken on my end .but the person who received the items claims some where broken. Buyer is responsible for packing materials which he did not want to do he only paid for a box which was to late to purchase after I had gotten my own box to ship the items off.i send the items it's free but nothing more is free so anything extra will cost. money I didn't have buyer is responsible for all that. A dispute was placed on me due to items he claims wasn't the original items when clearly the site I posted them on has pictures showing the items and the condition they were in .I was told to send pictures to prove that there was nothing wrong with the items when I sent them off did so and PayPal told me the pictures were pretty much not going to help my case and that they were not going to go off that. But the buyer did the same and they refunded his money and all mines as well. The XXXX I had in my account PayPal took it for no reason .and now they say I still owe them {$36.00} and some change.i had to pay for the dispute fee when i was not the one who filed the dispute in the first place. I was told that only the dispute fee would be taken out {$15.00} for one and {$21.00} for the other. PayPal took all my {$160.00} and some .I was never told anything else about extra fee 's. I read threw some of the agreement and found nothing that states any extra fee 's being paid. I feel it's unfair that someone can get there money back and I get my items returned to me broken and now I can't do anything with them due to the Buyer 's Own fault. And now I have to pay.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (IN)

On or around XX/XX/XXXX I received an email notification that I had a package ready for pick-up at XXXX. I was confused as I had not ordered anything and the label said " Hold at Location ''. The box contained an XXXX XXXX XXXX XXXX, which I did not order. 
I contacted the company that sent it, which is XXXX XXXX XXXX. They did not have an account for me and had no idea why I was sent a phone. Since the Federal Trade Commission states items not ordered but still sent can be kept or sold, I sold the phone on XXXX XXXX, XXXX. 

On XX/XX/XXXX I received a letter from a collections company named XXXX XXXX XXXX saying I owed {$1300.00}. Letter says original creditor was XXXX XXXX XXXX and the current company that owns the debt is now Security Credit Services LLC. 

I called my local Police department on XX/XX/XXXX and filed a report. Police officer advised it sounds like ID theft.
Consumer complaint received 2019-10-22
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. (NY)

Please delete this inaccurate information from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help
Consumer complaint received 2021-07-03
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. (SC)

I have sent out a letter to XXXX, XXXX, and Transunion concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX, XXXX, and Transunion to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days waiting on a response.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A savings account was opened at Bank of America by 3 people a few years ago. At that time the 3 individuals designated a power of attorney ( POA ) All monthly statements received by the account holders, for many years, showed the power of attorney 's name which appeared under their names ( " as POA '' ). But then, a few years later, as the power of attorney was at the branch making a transaction, he was told by the manager that " the card with the 3 signatures did not appear in the system '', and said that to fix this problem all 3 account holders must again appear together to sign a new card. This has been impossible to be done as two of the cardholders are now living on two different overseas locations and can not make a simultaneous trip just to sign this card. ( Alas, that was the reason in the first place that a POA was assigned! ) The local account holder suggested that the signature card could be signed by each account holder one at a time at the branch, on different occasions, allowing the account holders to travel to the US at their convenience. This idea was flatly and categorically refused by the branch, affirming that it is BOA policy to have all accountholders sign together the POA card. This is just ridiculous.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX bank is furnishing fraudulent information to my consumer profile with various agencies without consent. Experian is continuing to furnish this information to my profile base don XXXX XXXX  claims. When asked to provide me with information that validates this claim, Experian says they are unable to do so. The mishandling of this financial information violates the Fair Credit Reporting Act and the Gramm Leach Bliley Act, both federal laws.
Consumer complaint received 2020-11-05
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. (GA)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (FL)

Hello the XXXX XXXX XXXX sent me a letter stating that I owe XXXX usd to PayPal for a account that I have never used before. I called them to try and dispute the claim but I was told that their is nothing I could do about it besides pay the fee. Please help I did not do nothing wrong and do not have the funds to pay for this when it was not my fault. The letter has my name and address on it as well. I have done research and have heard of many people getting scammed after receiving these kinds of letters.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (NC)

in accordance with the Fair Credit Reporting Act the extensive hard inquiries are currently listed without me ever speaking or giving consent to have my information listed. Please take care of this issue. From 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 an account without my written instructions
Consumer complaint received 2020-01-27
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. (AL)

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2020-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have a second mortgage account with PHH load servicing. I received a billing statement for the month of XXXX that showed {$0.00} due, and my account was then updated to show a payment due of {$350.00}. I attempted to make this payment multiple times via phone and email and their systems would not allow me to make the payment. I finally reached an agent on XX/XX/XXXX and they told me that my loan had matured and I couldnt make the payment that their systems communicated to me as due, but must pay the balance due. Additionally, they told me that they would have to request a payoff quote, which they processed and I didnt not receive until XX/XX/XXXX, nearly 3 weeks later. I will be wiring them the funds tomorrow, XX/XX/XXXX. My account was reported past due to credit agencies last week significantly impacting my score after not missing a payment on this account for the full 15 years of its existence. I am incredibly disappointed in the servicers communications, innacurate billing statements, and flat out refusal to help resolve the issue. I was even told by an agent at PHH on XX/XX/XXXX that my accoint WOULD NOT be reported as pst due as they wouldnt accept my payment. I am attaching a copy of the dashboard stating the payment due that they would not allow me to make.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Due to the covid-19 pandemic, I was stuck overseas from XX/XX/XXXX to XX/XX/XXXX. My XXXX+ Visa Signature Credit Card issued by Bank of America was closed due to long-term inactive. Since I was not able to reach any physical mail notification sent from Bank of America, I had no clue the card is closed till XXXX. I tried to contact Bank of America to figure out any solution to recover my credit card and the unused reward points on this card but I still have not received any reply from Bank of America yet.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (NJ)

I the consumer had a general purpose credit card from Ginny 's I dispute the balance because of billing error and requested to have an open end credit plain. They sent me a letter in the mail using abusive practices threatening to effect my credit report/score. I never gave Ginny 's written or verbal consent to report my business with any credit bureau or reporting agencies. They Ginny 's Violated the FCRA Hjr 192
Consumer complaint received 2021-07-03
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. (MO)

On XXXX I submitted a valid dispute with Equifax regarding a bankruptcy tradeline. On XXXX the investigation was complete but I was not notified and found out from looking at my credit report. When I went onto the Equifax site, where they indicated to view the report, it does not allow me to see it or even download it. My report indicated the dispute was validated by Equifax, which is not the furnisher and they indicated on their investigation process they contact the information furnisher. The furnisher is US Western District Bankruptcy Courts. When I contacted them, they advised they DO NOT valid or even report to the credit reporting agencies. This information leaves the investigation to be false and misleading. The law indicated they have to contact the furnisher, not anyone else. So if the information is court information as they state, where they obtain the information means they are using the courts to mislead the consumer and actually lying about any investigation of a dispute.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

IN Accordance with the fair Credit Reporting act convergent, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my writte n instructi
on.
Consumer complaint received 2021-07-02
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Consumer complaint received 2020-01-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thunderbird Collection Specialists, Inc. (CA)

I currently had an old roommate reach out and tell me very scary, rude men showed up asking for me and threatening to sue me and that I was in big trouble if I don't give them money. I have zero knowledge of this debt collector and also do not feel safe knowing there is a collection company going around harassing and threatening me for an unknown cause. They said they were from Thunderbird in Arizona. I do not know the amount since nothing is on my credit report. I am very scared and worried that these men are knocking on doors threatening and looking for me.