davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (FL)

1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX XXXX.. it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

XXXX. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX  and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of XXXX data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

FCRA 15 usc 1681i 602A states I have the right to privacy.

FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Recent changes to your PayPal Credit ( by Synchrony Bank ) agreement. Starting in XX/XX/year>, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you elect to receive and are sent your statements in electronic form only for each billing cycle. 

I do not wish to have to log in to get my statement. I do not want to pay the paper statement fee either.
Consumer complaint received 2023-01-11
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. (CA)

Both the financial institution " XXXX XXXX '' and the Consumer Reporting Agencies involved, have violated my rights as a consumer under the US Code, Title 15 USC 1681b ( a ) ( 2 ). I have never given written consent for this information to be shared or furnished on any public domain. They have also violated my rights under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by publishing information regarding transactions between the consumer and the reporter. 
They have published an alleged late payment as XXXX days late in the month of XXXX, 2020. 
I have filed disputes directly with the XXXX  and had no resolution. 
I have also called XXXX XXXX and spoken directly with a representative while still reaching no resolve. 
This information has repeatedly hindered my ability to operate in commerce.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (MD)

I took out a loan with Navy Federal Credit Union when I was in the XXXX XXXX and lived in XXXX XXXX XXXX. I was medically XXXX and on medical leave and moved to XXXX. I never received any notice about this debt or an attempt to collect. As you can see on the XXXX  court system they have the wrong address and an employer that I only worked for very shortly ; my father just went to sell a pIece of property and they had attached a judgement that I had no idea about to my fathers property. That isnt even in my name. For the wrong person and social. This loan is from XX/XX/XXXX. I have never received notice or communitcation in regards to this debt and was only just made aware when my father called and told me NFCU attached a lien on his personal property.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

My unpaid account with XXXX was sent to collections to two different collection agencies : Receivables Performance Management ( XXXX ), and XXXX XXXX, XXXX. 
I settled an amount with XXXX, and the account was settled in full on XXXX/17. 
However, I am still listed on XXXX XXXX system and the account is showing on my credit reports, affecting my chances of obtaining a home loan, due to the bad and misrepresented information. I have spoken to XXXX XXXX  Escalations Department Manager 's to try to resolve the issue, and have forwarded them email documentation ( PDF file of receipt from XXXX ) proving the account with XXXX has been paid for, but they have yet to update their records. They keep telling me they have not received any proof, and keep on prolonging this stressful situation for me. 
I am asking for assistance to get this issue resolved as soon as possible.
Consumer complaint received 2020-07-17
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. (MI)

I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or Trans Union XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX Trans Union reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida
Consumer complaint received 2017-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

This company just added several new collections which I do not have any new medical debt. This is unknown and no validation received and requested {$55.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1100.00} XXXX {$580.00} XXXX
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion Consumer solutions Is still negatively reporting XXXX XXXX And XXXX XXXX on my credit Report. These two Account need to be removed from transunion Credit report immediately I have sent numerous letters They never provide me the original contract, Credit disclosure, balance history, Credit insurance
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Collection Management. Inc (IL)

I Have received repeated threatening, and harassing phone calls all day and night from Consumer Collections Management. As well as calling, and hanging up on me and my family. Consumer Collections Management claimed I owe XXXX that I do not owe from any Rental company I never rented with. The rental company that was Stated by Consumer Collections Management Collection agency was the XX/XX/XXXXat the Arboretum. I have no debt with this company. 

I have no connections with or any financial obligations or business regarding any outstanding Debt with anyone or this company. Consumer Collections Management has also continued to threaten me, and my family saying if I don't pay this unknown debt collection amount they will place it in my credit report. This Debt is somehow connected with my name, and personal identity. I will not be paying this unknown debt.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CA)

I am writing to file a formal complaint regarding an unauthorized credit inquiry appearing on my credit report, dated XX/XX/2024. Despite my efforts to resolve this matter directly with the financial institution, they have refused to provide documentary evidence demonstrating the permissible purpose for accessing my credit report. 

The financial institution claimed the inquiry was based on an application for credit submitted through XXXX XXXX XXXX, providing a permissible purpose under the Fair Credit Reporting Act ( FCRA ). However, they failed to provide any supporting documentation. 

I believe the inquiry was unauthorized, and the institution 's refusal to provide requested documentation raises concerns about compliance with the FCRA and handling of consumer disputes. 

I request the Consumer Financial Protection Bureau to investigate and ensure removal of the unauthorized inquiry from my consumer report. Additionally, hold the institution accountable for failure to comply with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019, a man calling himself XXXX XXXX emailed me about an online ad I responded to advertising a studio sublet. We communicated by email and spoke on the phone several times. He shared pictures of the apartment and knew a lot of details about the property, which I checked out online. Due to circumstances, I had to rent a place to live for two months while in another state. 

On XX/XX/2019, I sent him {$2300.00} via XXXX through my Bank of America account. He asked me to send it to XXXX XXXX at XXXX. After the payment, he stopped responding to my texts or phone calls. I realized I was scammed. 

On XX/XX/2019, I filed a claim with Bank of America. They said it would take a week or two for them to make a determination on whether they could refund my money. They also said it wasn't a case of fraud even though this man lied, cheated and never had an apartment to rent because, they said - get this - I sent him the money. I filed a report on the FBI website XXXX. 

On XX/XX/2019, I filed a police report ( attached ). 

On about XX/XX/2019, I'm told via the Bank of America claims dept. that my request for a refund was rejected. I'm also told the account I sent the money to was a Bank of America account and that it was frozen. That same day, I file a second claim through Bank of America, with info from the police report and contact information for the leasing company that manages the apartment. By then, I'd gotten in touch with them to notify them of the scam. 

On XX/XX/XXXX, I called Bank of America to find out what the decision was on my second request. I was informed over the phone that they also rejected this request. The reason, I was told, was because the " costumer '' had closed their account. I said obviously they would close the account because they are XXXX. They didn't send me a letter to notify me of this decision. The tone from the person on the phone was utterly heartless. 

I am so incredibly disappointed with Bank of America. I have been a costumer since the XXXX and they actually helped this person to steal my money. Look at the news, which reports these scams are rampant with the help of XXXX. Most banks refund their customers ' money while Bank of America helps these XXXX get away scot free. It's crime, pure and simple, and Bank of America is complicit.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 a user registered on XXXX. On the same day they purchased an item from me and they used the PAYPAL link on XXXX 's site to pay for the item through PAYPAL.. I packaged and shipped the item same day through USPS ( Tracking Number XXXX ) Tracking shows that the item was received at XXXX XXXX, XX/XX/2020. The money was processed into my PAYPAL account. 6 weeks later the buyer claims they didn't buy it.. and filed a claim with PAYPAL.. Paypal sent a message to me of the hold on funds and the dispute. I tried to call them 7 times but.no one answered and all you get is a recording..telling you to use their virtual messenger.. I used their messenger and gave them the same information that is above.. 2 days later they sent another message stating they ruled in favor of the buyer and refunded them plus charged me and extra {$20.00} for the charge back ... I am a XXXX senior and XXXX may not seem like much to them.. but can be for me.. Yet, I did nothing wrong. I fullfiled the requirements of XXXX  in a timely manner and the buyer used XXXX  's on site link to pay..At the time of the purchase I had been a customer of both XXXX  and Paypal for 18 years ... The buyer had been a customer of both for 1 day.. It is a new twist on a common fraud perpetuated on XXXX. Only this time, the buyer files the dispute with PAYPAL.. so paypal rules for them..and XXXX  will not step in because the dispute was not filed on their site ... You call and you can not defend yourself at PAYPAL because no one answers.. and then they arbitrarily take money from your bank account and charge you additional fees without explanation as to what you exactly did to deserve theft of monies from your account. Once they make a decision there is no way to dispute it, no one to call, and precious little response from their virtual messenger.. You are just out of luck ... Now I am not so arrogant as to think this has only been done to me.. I am out {$50.00} ... not a huge amount in the grand scheme of things but..how many others does this happen to..and without any fair way to resolve it, without anyone who will pick up a phone.. I consider this theft.. If I had a customer that used my services for almost 20 years..I think I would at least hear them out with a real person.. before throwing them under the bus..
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

A few months ago, my credit card was compromised and it took nearly 2 months for Suntrust to take action and credit me for the fraudulent charges on my account, and only acted once I submitted a complaint to your organization. Since then, I have not felt that my money is safe with Suntrust, so I have maintained the minimum required ( {$500.00} ) to avoid the maintenance fees. Last month my account fell below the {$500.00} for one day, which resulted in a {$7.00} fee. I called, and the representative waived the fee and guaranteed me that although my account would take a few days to reflect the maintenance fee reversal, I would not be charged later this month for a maintenance fee. Today, I noticed I was charged the maintenance fee and when I called I was told that I was charged a fee due to the few days it took for the reversal of the fee to go through. I spoke with XXXX XXXX and he said I was ineligible for a fee reversal.
Consumer complaint received 2020-07-17
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. (MI)

I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on Experian XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active Experian reports XX/XX/XXXX XXXX  reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (AR)

Closed on construction loan for a house. House is complete. The bank never set up an escrow account for home insurance to be paid. Over a month later And countless emails and phone calls and the escrow account is still not set up. 

I receive a letter in the mail saying I need to deposit {$370.00} in to my escrow account then I get a check in the mail for escrow overage of {$330.00}. Im getting tossed around and nothing is getting settled. I have dont my due diligence to get this fixed.
Consumer complaint received 2020-11-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut XXXX XXXX down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full
Consumer complaint received 2020-11-26
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. (CA)

To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

Target/TD Bank is reporting a fraudulent account opened on XX/XX/11 with an amount owed of {$4300.00}. I have communicated with the creditor that the account is as a result of Identity Theft and I have supplied the creditor and the CRAs ( credit reporting agencies ) with all the appropriate law enforcement reports and a explanation outlining the Identity Theft. The creditor, Target/TD Bank is denying to investigate and has denied me of proper FCRA rights, including the ability to examine the findings or facts for their decision making.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery contacted me about a two debt they purchased from XXXX XXXX. I disputed the debt and was instructed by Portfolio Recovery to provide documentation to them proving why I wasnt responsible for the debts. In XXXX, I faxed over several documents to them to solidfy my stance. After submitting all those documents, they still insisted I had to pay, and started harrassing and threatening me about wage garnishments. 

Just to get them out of my hair, I made periodic payments, however, I constantly disputed it. A couple weeks ago, I talked to the dispute department again, and they looked over the info I provided in XXXX, and purged my account, and released me from those debts. This should have been done in XXXX when I submitted it the first time. 

Due to their " error '' and collecting money from me on accounts that were not validated, they claim they have issued me a refund for both accounts. However, I believe they are giving me the run around once again. When I called to inquire on the status on the refunds, they keep changing the time I should expect it. One rep said 30 days to receive my money back, another said 7-10 days, and today, another person said 10-15 days! Why should I wait for my money when they collected it improperly to begin with? These account should have NEVER been paid on, but they continued to harrass me even though the debt was not substantiated. This would have been taking care of if they would have processed my documentation properly instead of dismissing it to scare me into paying them.