davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 BANKRUPCY ACT OF 1933 I sent my remittance slip/Bill of Credit Approval to Bank of America Processing Center XXXX XXXX XXXX XXXX XXXX, DE XXXX via first class mail. I also sent a copy of my remittance slip/Bill of Credit Approval to the Chief Financial Officer and the Registered Agent via certified mail and return receipt. Both received on XX/XX/XXXX. Until today, the bank has not credited my account and XXXX it pursuant to 15 U.S. Code 1666d. As per UCC 1-202 Notice ; Knowledge was given to the CFO & Registered Agent via cert mail and return receipt. The debt is XXXX upon receipt. Negotiable instrument is legal tender and if it is refused, there is XXXX pursuant to UCC 3-603. There is no money to pay because of the Bankruptcy Act of 1933. A negotiable instrument is legal tender according to the IRS employee handbook and the International Bills of Exchange. They are acceptable form of payments. I received a letter form the Bank to discuss credit card request. This is false and misleading because when I called them it was to discuss my credit card PAYMENT. I spoke with a customer service representative and XXXX XXXX from Client Care, Executive Response Team, Bank of America and neither of them knew what negotiable instrument was. They were not able to help me with this matter.
Consumer complaint received 2022-11-16
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. (TX)

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. XXXX Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXXmber : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has not provided me the card which they directly solicited to me. They reviewed my credit but never responded. 

Why? 

Please see previous complaint XXXX
Consumer complaint received 2021-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

Nelnet states that XXXX XXXX has disqualified me from an interest rate reduction based on an XX/XX/2018 payment. They state that the payment was late. However, this was the month that XXXX XXXX transferred servicing of my loans to Nelnet, which means that there was some confusion on who the payment should have been directed to. Therefore, I should not be penalized and given the interest rate reduction ( to 1 percent ). In addition, the interest rate reduction should be applied retroactively, to XX/XX/2018. 

The amounts in question are one loan for XXXX ( Group A ) and {$26000.00} ( Group B ).
Consumer complaint received 2021-10-25
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. (AR)

XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.
Consumer complaint received 2021-09-10
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 ()

I am really hoping you can help me, last XX/XX/2021, Paypal sent me an email informing me that they are permanently ceased me from using my paypal account and the funds on my account will be on hold for XXXX, they said that they will make my money available for me on or before XX/XX/2021 and they will inform me thru my email, yet they haven't sent me an email on how i can get my money back and i have sent them an email 3 times now, but there were no response from them. Its been very frustating for me for Paypal to hold my money for such a long time especially with the current situation ( pandemic ) still i patiently waited for the date they said my money would be available but no response from them.
Consumer complaint received 2021-10-25
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. (AR)

XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (GA)

Ive had several issues with Carter Young agency. About a year ago, I received a mailed letter saying that a payment of {$1000.00} needed to be paid to remove this account from my credit report. I did not agree to pay this amount because I dispute all charges in connection with this account. I asked for a letter or validation instead. Upon asking I recieved a letter saying that {$2600.00} is owed with a list of charges but NO signed agreement. Keep in mind that I never had any agreement with this company. Ive asked for a written agreement on several occasions and have only received a list of charges totaling to {$2600.00}. About a month ago, I offered to pay {$200.00} to have this issue resolved. I do not owe them any money and refuse to pay {$2600.00} that I dont owe but wanted this removed. I called the agency about a month ago and spoke with a representative about this alleged account. The representative informed me that they will not accept the {$200.00}. She went on to say that she will accept a payment of {$2600.00}. I asked why the balance had changed from {$1000.00} and why the account is only showing on XXXX. The representative said Carter Young can change the debt to whatever they choose when they choose. She said they were running a promotion that made the balance {$1000.00} and whenever they decide to create a promotion they can. She informed me that I can either pay the {$2600.00} or continue to see the account on my credit. It doesnt hurt them, its my credit and Im the one who wont qualify for new credit lines. She said that if Carter Young decides to report the account to the other bureaus next month. I will have to deal with the impacts of not qualifying for a home not Carter Young. I am disgusted with the way I was treated as a consumer. It appears they feel as if in addition to them falsely reporting this debt, they can change the balance whenever they like. Not to mention, the threats of not qualifying for a new credit line to intimidate me into paying this unverifiable debt. They have no disregard to the way this debt continuously shows on my credit report. Now I am attempting to resolve this matter yet again. This debt is being unlawfully pursued by a company who can not verify or validate this debt and feels they can make their own rules at the my expence. According to the Fair Debt Collection Practices Act FDCPA I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry o your collection activities. As per an opinion letter published by the FTC reporting this collection is considered as unlawful collection action. In addition, debt collectors can not threaten consumers or intimidate us.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (FL)

Both Trident Asset Management and XXXX ( XXXX XXXX XXXX ) were claiming to own the debt in the amount of XXXX. 

XXXX ( XXXX ) has been trying to contact me and verified they were the debt holders so on XX/XX/2021 I paid the amount in full and they verified this debt has been paid. 

I tried to dispute the debt with trident asset management and they are claiming its still owed and refuses to remove their claim on my collections account
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I sent a debt validation letter to Midland Credit Management to verify a debt on XXXX XXXX that they claim I owe. Midland only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX. Midland did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. Midland is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.
Consumer complaint received 2022-04-28
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. (GA)

While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on XXXX and Experian shows an Auto Loan but on XXXX it appears to be blank. 
2. The open date for Experian and XXXX shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. 
3. The balance on Experian and XXXX shows {$9.00} but XXXX show {$0.00} 4. The day active date for Experian was XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
5. The last payment date for XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for XXXX is XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-05-03
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. (MD)

I XXXX XXXX have sent a ftc report to each bureau. Along with various letters asking for validation of debt by providing the original contract with my wet signature. Nothing have been provided or removed.I demand that each account listed is removed. The only one that can validate any debt is the consumer ( I am the true original creditor ). I do not validate any of these accounts.
Consumer complaint received 2021-05-03
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX Bank XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on XXXX and XXXX shows an Auto Loan but on Equifax it appears to be blank. 
2. The open date for XXXX and Equifax shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. 
3. The balance on XXXX and Equifax shows {$9.00} but XXXX show {$0.00} XXXX. The day active date for XXXX was XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. 
5. The last payment date for XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for XXXX is XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (FL)

On XX/XX/2021 I initiated a transfer through Xoom, a XXXX company ; transaction # XXXX. The transfer was from my XXXX Checking Account ending in XXXX to a savings account ( USD ) I have in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$570.00}. Per Xom 's email dates XX/XX/XXXX, the funds should be available on XX/XX/2021. Xoom 's fee for this service is {$9.00}. 
As of today, XX/XX/2021 I have not received the funds. After several communications with Zoom, on Friday XX/XX/XXXX I was told they continue to have a technical dificulty, they can not give me an estimated date this issue will be resolved, and I can not cancel my transaction. Note the funds are still in my XXXX account, they were never withdrawn ; however, if I can not cancel I am still under contract to provide the funds. 
I am looking for them to either finalize the transaction or cancel so I can look for another solution.
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC (AZ)

I was XXXX in XXXX of 2018. The hospital ( admittedly XXXX incorrectly filed the claim. I've contacted the insurance company who has provided me proof in a " Statement of Benefits '' that I do not owe {$37000.00}. The hospital has confirmed that this debt is not valid and that they made an accounting error. This is STILL reflecting on my credit report and the collection agency refuses to acknowledge or communicate with the hospital to remove this from my credit report. The hospital just has to correctly send the bill to the insurance company. I'm attaching the statement of benefits that my insurance company provided me proving that I only was obligated to pay {$250.00}. XXXX sent another collection to XXXX XXXX and XXXX in the amount of {$1500.00}. I paid {$770.00} to settle this debt. I only owed the {$150.00} copay for the XXXX XXXX  visit and the {$250.00} copay for the XXXX stay.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX has sent a collection to the credit Bureaus. I cancelled my policy on XX/XX/XXXX and started a new policy with XXXX on XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2023-02-24
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. (GA)

EQUIFAX is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX  This account was previously blocked from my credit report by EQUIFAX due to identity theft about the dates of XXXX XXXX XXXX.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I signed up for a HSBC checking account with a {$450.00} dollar bonus offer. I waited and completed all of their qualifying activities. I called to inquire about this and HSBC said I never signed up for the bonus. They took my hard earned money and defrauded me out of an offer. This bank is engaged in fraud and should be investigated for misleading customers. Their own system timed out when I was filling out the application. Then I filled it out again and was approved. They refused to honor my bonus because of their own technical issue and I had to put all my direct deposit on their account, but they never gave me the bonus I deserved. This bank gave the worst feeling I've had with an institution, I felt cheated.