davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AA Recovery Solutions, Inc. (VA)

On Wednesday XX/XX/2020 I received a voicemail from XXXX XXXX calling from XXXX the message was veryu rude stating that he has been retained to pursue all of my legal assets.I had no idea who he was so I called back and he immediately starting yelling that I owe a debt and that I need to pay it .I asked him from who because I had not received a letter from him. He started yelling that I am broke and probably cant afford to pay the debt. Then he said I want verification so I can find a way not to pay it. Then I asked him who was the orginal debt owner he said XXXX  XXXX .I asked him to give me their number so I can contact them .He told me to XXXX it .I said to him I wanted to make sure I had the correct info he started yelling I am too stupid to go online and XXXX.it He attacked me verbally non stop for 20 minutes. I told him clearly I can not speak to him without him yelling and being abusive so he said to speak to his supervisor and he put a guy name XXXX on the phone and I asked him what was the name of the business he was calling from he said AA Recovery in XXXX Fla. I advised him of XXXX behavior he didn't really say to much about XXXX behavior. I told him I have never seen or heard of this debt before .He said the debt was {$3000.00} I told him I never took a loan for for {$3000.00}. He said it was {$1500.00} and the rest was fees. I asked him to send me confirmation where I signed for this loan because I have not signed for a loan. He sent me a letter that stated this : Pursuant to our discussion and our clients approval this letter will serve as official notification that this office is authorized to accept the sum of {$3000.00} as payment in full on the outstanding balance for the above referenced account on the conditions outlined below. Upon receipt of cleared funds, your account will be considered paid in full. Each payment must be received in our office no later than the close of business on the date indicated below. If payments are not received in the indicated amounts and on or before the date due, this offer is hereby revoked and AA Recovery Solutions is under no further obligation to honor the terms of this offer. 
I responded to him to send me an address so I can write a letter to him to validate this loan with a promissory note etc he has yet to respond. I am not sure if this company is a scam or what. I would like to file a formal complaint against this company
Consumer complaint received 2024-02-17
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. (TN)

Dispute of Unauthorized Inquiry on My Credit Report Dear Transunion I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question is as follows : 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 Please note that I have not engaged in any recent credit applications or transactions with the aforementioned company, nor have I granted them permission to access my credit information. 
I request that you promptly investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act. Additionally, please provide me with a written explanation of the results of your investigation. 
I understand that you are required to complete your investigation within 30 days. PLEASE REMOVE HIS INQURIES IMMIDIATELY. I AM ALSO GOING TO REACH OUT TO THE ATTRONEY GENERAL OFFICE. PLEASE ADHERE TO CONSUMER LAW OR I WILL HAVE TO SUE YOU. 

XXXX XXXX
Consumer complaint received 2022-08-10
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Experian XX/XX/2021 page 8 of 10 Telephone numbers is not my phone number. Show proof of this number belongs to me XXXX from the phone provider. Stop putting false information on my credit file.
Consumer complaint received 2020-01-25
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. (NV)

Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was XXXX years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much to worry about. We recently parted ways due to abuse both verbal and physical. 
There are Collections, inquiries, and addresses listed on all 3 of report that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX   {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX XXXX : XX/XX/2019
Consumer complaint received 2017-08-28
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: National Credit Systems,Inc. (GA)

I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : NATIONAL CREDIT SYSTEMS Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (MO)

On XX/XX/2021 I requested a payoff quote for my loan and was given the amount of {$9300.00} that was to be valid through XX/XX/2021. That payment was made on XX/XX/2021, however in between that time my regularly scheduled auto payment of {$250.00} was deducted on XX/XX/2021. 
Since the quote that I was given was to be valid through XX/XX/2021 I assumed that I would be getting a refund of the overpayment amount of {$250.00}, however the refund I received was for the amount of {$26.00}. When I contacted Lightstream customer service their response was that the payoff quote that I was given included my upcoming monthly payment, this made very little since to me because if I had only made a payment for the amount of the payoff quote that would mean I would still owe a balance.
Consumer complaint received 2021-11-30
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. (TX)

I recently checked my credit file and noticed hard inquires on my credit report that were not authorized by me. XXXX ( XX/XX/20 ) XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX XXXX XXXX XX/XX/20 ). I have never done business or have tried to acquire credit from any of these companies so I would like for these inquiries removed from my credit file. I have reached out to these companies already but they do not have any information for me on file so they are not able to help me. 
I think that my information could have been stolen when my home was broken into and someone could be using my information to obtain credit. I would like for these inquiries to be removed ASAP as they were not authorized by me.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally request arbitration. Upon thorough review of my credit report from TransUnion, XXXX and XXXX, it has become evident that numerous discrepancies and inaccuracies still exist within the reported information. I disputed the completeness and accuracy of the reporting, unfortunately, their response stated that the reinvestigation was over, and the data was considered verified and complete. This statement begs doubts considering the blatant errors in a number of areas, including high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. As required by 15 USC 1681i ( 5 ), if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Hello, I received the following email from Paypal ( I have deleted sensitive information ) : Your buyers bank requested a reversal for the transaction below. 

We are required to return that payment to the bank. When this happens, we take the loss on your behalf if the payment is covered under PayPal Seller Protection.  Unfortunately this payment was not eligible for that, so we have deducted the related amount from your PayPal balance. 

Transaction Details Senders Name : Senders Email : Your Transaction ID : Transaction Date : XXXX XXXX, 2017 Transaction Amount : {$50.00} USD The issue with this, is that this was not a purchase, but a money transfer ( gift ) from my brother, over 5 months ago. My brother 's account received several unauthorized transactions recently, and he alerted Paypal to this. They were unresponsive until his balance turned negative. Now they are asking him to pay it. 

Paypal has deducted money from my sister 's account, and now mine, in an attempt to get this balance back, which I believe is fraudulent. 

Deducting money from my balance for an ongoing dispute unrelated to me from 5 months ago, I believe is violation of trust and privacy ( they are independently tracking my brother 's transaction history without his knowledge or consent, and attempting to penalize others to recover their loss from their own mistake ). I would like to alert you to this practice. 

I should also add, that my brother resides in the XXXX, which has even stricter privacy laws, and I am surprised that they are able to successfully do this. Please let me know if you need further information from me about this transaction. I appreciate your attention to this.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM BANK OF AMERICA, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS XXXX AND XXXX ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

My XX/XX/XXXX taxes which are escrowed were not paid according to my legal signed wishes. I was told i didn't send in my Wisconsin Escrow Option, which in essence was signed during my closing on XX/XX/XXXX. After I contacted them after realizing I had not received a receipt like I normally do that is what I was told. I was then told to send in my copy of the document, which they should have had on file, it was part of my closing documents, everything else got updated accordingly, my mortgage statements come and get paid. I did that and send it to the research department. I did that and I received a letter dated XX/XX/19 stating that they did not receive a copy in time and they defaulted me to option 3, which states : The Lender will pay the property taxes when due from my escrow account. I selected option 2 : The Lender will pay the property taxes from my escrow account by by XX/XX/XXXX ... with other parameters to do so. My document is legal and binding just as every other document that I signed to refinance my loan, I feel just we are sorry you are not happy with your experience is not enough. I feel they are very callous and really unconcerned, still didn't opt to my chosen option even after providing them with the document they should have had on file. I had to call in to find out no, they didn't do anything to get the payment in and also had chose still the default option. The customer service rep updated to my option 2, upon me calling me. This is unacceptable and I want it reported, I have to suffer for my XX/XX/XXXX non payment of property taxes for filing my XX/XX/XXXX taxes now ...
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On about XX/XX/20 there was a rental credit check pulled from XXXX XXXX and some how I got denied rental due to inaccurate information on my credit report of an civil judgement against me which is false inaccurate information this has been deleted from my file years ago due to there was no judgement against me I have never been evicted in the history of me renting please remove from my credit file this is on experians file so I called experian today XX/XX/20 to inquire and they stated that they don't see such file on there side there is no report filed that was a civil judgement against me so how is XXXX XXXX seeing this on my report if u look at all my disputes in the past this was one of them i disputed and it was removed and I have no judgements on my record from ither credit bureau why is this still showing up it needs to be removed immediately u will see in the photo its clearly from experians report and I have my proof that it was cleared as well if its needed its call XXXX XXXX XXXX case number XXXX XXXX XXXX XXXX XXXX in amount of XXXX $ i have my solid proof it was settled the same day it took 10 minutes in the hall way of the court this should not be on my credit report we never stepped foot in the courtroom for a judge to even bring a judgment against me so im baffled as to why its there
Consumer complaint received 2024-02-17
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. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. The Intruders accessed names, Social Security numbers, birth dates, addresses drivers license numbers, and credit card numbers.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I have applied and received small business credit card with Sun Trust Bank with 12 month interest free offer and signed up for e-statestement. 

Due to covid conditions, i couldn't see their postal mail sent with credit card bill on time in the first month of making a purchase. The credit card portal doesn't have a way to pay the balance in it. I have to pay from my other account using bill pay, which causes additional delay in posting the payment. 
Later i reached out to the customer service and explained the situation and requested waiver on the fees and setup a payment every month with the assurance from the customer service representative, i would not incur fees or financial charges and my interest fee offer is reinstated. 

I continue to get postal mail statements with interest charges, but after logging into the credit card portal i saw my balance and fees were XXXX ( see attachment ), assuming that the system adjusted fees based on what the customer service representative told me in the call. 

I continue to get statements with interest and fees for the remaining balance, i called the customer service again to check if interest and fees were charged to my account, the person on the call confirmed, charges were occurring every month and they asked to reach out my branch to resolve the issue. 

I reached to the branch, with the same information. I was asked to wait until an internal enquiry on this matter completed. Today i was told, the interest charged on my account can't be refunded but the 0 % interest offer can be reinstated. 

I am frustrated with the banks approach towards customer, by not providing clear details in the call and gave wrong assurance that interest will not occur and credit card portals showing XXXX balance over the past months caused financial loss and stress to me. 

My statements above can be validated with banks recorded conversation that they have with me and the attached statements from credit card portal.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

Around last year at this time, I made XXXX transactions with XXXX through Cash app both transactions were triple charged not at that time but once at that time both on XX/XX/XXXX and XX/XX/XXXX and then XXXX other times on XX/XX/XXXX and XX/XX/XXXX of 2023 at the time I notified Cash App and they had informed me that a technical error occurred in their system That was causing customers accounts to appear that they were double charge when they said in reality, they were not well. Cash App has done an audit of their systems for the new year and now going into my account. It clearly shows that I was charged XXXX times for each transaction {$860.00} when I call Cash app their employees inform me that it is clear I was triple charged and put in disputes. However, the generic email I received back from cash app says that my dispute is over XXXX  days and can not be processed so they deny my dispute, even though Ive had the dispute for over a year this is fraud and it has happened. I want my money back.