davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R & B Corporation of Virginia (VA)

* Please take these things off of my credit report. 


XXXX Account Name XXXX Account Number XXXX Account Type Credit Card Account Status Terms Payment Status Paid or paying as agreed Date Open XX/XX/XXXX Monthly Payment {$44.00} Past Due {$0.00} Balance {$1200.00} High Balance {$1200.00} Limit {$1500.00} Comment This company has not documented payment for the past 2 months. 


This company has past due balances for things that were place on the bankruptcy or pay it off. 
XXXX XXXX XXXX  LAST PAYMENT DATE : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$370.00} Current Balance {$0.00} Comment Chapter XXXX XXXX XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$60.00} Current Balance {$0.00} Comment Paid collection XXXX XXXX XXXX   LAST PAYMENT DATE XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$95.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy XXXX XXXX XXXX  LAST PAYMENT DATE XXXX Account NamXXXX XXXX XXXX XXXX  Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX  Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$190.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy XXXX XXXX XXXX  LAST PAYMENT DATE : Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$230.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Skopos Financial, LLC (TX)

On XX/XX/XXXX at XXXX central standard time an agent from Skopos XXXX called me and left me a voice mail and he stated that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MN)

Today XX/XX/XXXX  I received a text message stating : Your Order at XXXX  Processed. Product : XXXX OrderID : XXXX Amount:XXXX USD If you haven't Place this order Immediately Call our SupportXXXX I called this number and the girl said it was a charge in XXXX for my credit card ending in XXXX. Well that XXXX  of mine was compromised so I took her there would not be any charges as it does not exist. She wanted me to change my XXXXXXXX XXXX password. 
I hung up and called XXXX XXXX and they agreed it was a fraud. Hopefully you can do something about this.
Consumer complaint received 2022-04-26
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. (TX)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions n accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 a account without my written instructions
Consumer complaint received 2020-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My complaint is against XXXX, XXXX  and Transunion. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.
Consumer complaint received 2020-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) Capital One Bank USA N- {$300.00} Charge off accounts 2 ) XX/XX/XXXX {$300.00} charge off account 3 ) XX/XX/XXXXXXXX XXXX {$33000.00} late payment account 4 ) XX/XX/XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XX/XX/XXXXXXXX XXXX {$260.00} charge-off account 6 ) XX/XX/XXXX - {$910.00} collection account
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I received money for an eBay sale through PayPal, but after claiming it PayPal " permanently '' closed my account and said they'd keep the funds for six months, despite XXXX saying it was available. The customer support hasn't been responsive and I of course haven't done anything suspicious with the account. 

This prevents me from selling anything else and cancelled all my subscriptions with PP. 

- On XX/XX/XXXX I sold an item on eBay to someone. They received it but didn't remember to file positive feedback. 
- I hadn't connected my XXXX and PayPal account, so on XX/XX/XXXX I did this by adding the email to PayPal. 
- On XX/XX/XXXX they locked my account. 
- I reminded the XXXX buyer to file positive feedback and they did ; XXXX said I'd get the funds but I did not. 
- On XX/XX/XXXX I got an email from PayPal saying the funds are available, but I can't withdraw them. 

I connected PayPal on twitter to ask about it. They didn't respond for a week, but then said they'd look into it. It has been another week since then and I haven't got a response.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

I went to a chase ATM to withdraw {$1000.00}. The machine never disbursed the money. But the money was taken out of my account. I needed the money otherwise I wouldnt have been taking it out. I called customer service and stayed on hold for an hour. Manager of the bank. Told me I have a receive it within five hours. Its going on three days. I still havent heard back from anyone.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

Bluebird sent a email on XXXX XXXX  and sent this : Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call Account Protection Services at XXXX. 
Thanks, The Bluebird Team NO FINDS NOR ANY REASON AT ALL!!!!!!!!!!!!!!!!!!!!!!! this is a XXXX hole card company and i have lost thousand of US DOLLARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
The card company has taken over {$2000.00} of my money in the last year!!!! 
Bluebird has a pattern of holding customer funds well beyond the prescribed period. When you call in to express your concerns, the agents become overly aggressive, overtalk the customer and speak in the most condescending manner imaginable. 

Also See from XXXX XXXX today XXXX Hi, XXXX XXXX XXXX Recently you inquired about your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$750.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.

You have the right to review any documents we relied upon in making our determination.

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Bluebird appropriate information to input and I called over and over and over and can I never!!!!!!!!!!!!!!!!! get through to a real person for that reason it's frustrating because I have money on my account and I can't use it reason over {$5000.00}!!!!!!!!!!!!!!! 
appropriate information to input and I called over and over and over and can I get through to a real person for that reason it's frustrating because I have money on my account and I can't use it reason ... THEY HAVE BIG BALLS AND STEAL! 

even the customer service department the customer service in XXXX XXXX XXXX does absolutely nothing you call their extensions they give you circles did not even listen to your concerns that is one very complete corrupt company and they all deserve federal prison time and sent away forever they're corrupt as all get out!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NV)

Hello, I purchased a washer and dryer from XXXX XXXX XXXX in early 2021. The dryer had problems from day 1 with the door opening and barely drying clothes. We checked the exhaust vent but that was not the issue. When we went back to the store and told them we wanted a replacement for our faulty dryer, they told us the only option was to send out a repair technician and have them look at it. We refused and said we wanted a new one, but they told us the only way to do that was to return them, paying a 15 % restocking fee and buy new ones. As a result of this outcome I decided I was not going to do business with conns and elected to return them and buy a washer/dryer elsewhere. Unfortunately this was only the beginning of my nightmare. 

I moved forward with the return and had conns pick everything up from my house. We went to the store here in XXXX and spoke with the manager, who gave us a strong attitude about the fact we were returning these appliances. Regardless, we moved forward and paid the restocking fee. He also notified us we had to pay for the hoses as they could not take them back. We accepted and paid a return fee. 

Months later I started suddenly getting harassing phone calls from XXXX  picking up the phone and directly getting to the point telling us we owe a balance of over {$1000.00} and asked me how Id like to pay. I refused and opened a case with XXXX  where they told me it would be investigated. No one ever called me about the case, but they had no problem continuing to call me about a fictitious balance. Months continued to go by with no resolution to this case. We have several phone calls recorded where conns employees admit that in our account notes our account should be closed long ago. 

Skip ahead months later and Im now being harassed by collection agencies saying we owe over {$1400.00} to XXXX. I started a 3 way call with both of these companies which I have on record and will display as evidence as needed. The XXXX  employee admitted once again that this account was supposed to be closed and the offline team will need to take a look. Again, we have this on recording too. 

I never got the phone call from the offline team, but I finally harassed them on their web chat for someone to look into my account further. They were very rude to me however I finally got them to admit that my account is supposedly not closed because of these 2 XXXX hoses that we were told could not be returned and were being paid for as part of the return. This is absolutely ridiculous as these were {$20.00} hoses and they should have been clear that this was the issue from day 1. The balance has been over {$1000.00} and increasing as they continue to charge me late fees. This company must be stopped, as they are thieves and conn artists ruining my credit and my ability to get a house for my family. If this continues much longer I will be seeking legal action for damages to my credit and well being.
Consumer complaint received 2023-01-09
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. (MD)

In accordance with the fair credit reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX  ) has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency.if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-19
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. (FL)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I have previously disputed this account. This is a new dispute with new information. This account is now too old to be reported on my credit report. This account has been " re-aged '' and is violating FCRA bylines by continuing to be reported. 

Account : XXXX XXXX Balance : {$640.00}
Consumer complaint received 2020-12-01
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOCUMENT TO EXPLAIN IN DETAIL THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Consumer complaint received 2020-12-01
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 — Problem with personal statement of dispute
Company: Westlake Services, LLC (SC)

Westlake financial services repod my vehicle after all of my bills were paid. Even their records show that I have made my payments. My lawyer told me to contact yall and make a complaint for credit report to be fixed. All they did was fix my credit partially. My score only came back up to half of what it was before their mistake.
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

I noticed that XXXX and XXXX, a collection put several collections that I do n't owe on my credit. I disputed them and asked for validation on them. XXXX and XXXX just said I owe it and I need to pay them. 

I do n't owe any medical bills. 

XXXX and XXXX does not have a license or bond to collect in the State of Texas where I live
Consumer complaint received 2020-12-01
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: AMERICAN HONDA FINANCE CORP (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, AMERICAN HONDA FINAN add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizens One XXXX  took over my loan from XXXX XXXX XXXX  on XX/XX/XXXX. I have had the same monthly payments every month since then, but on XX/XX/XXXX, Citizens One XXXX XXXX  automatically withdrew {$3700.00} from my bank account without my authorization. My monthly mortgage payment has been the same since we purchased the house in XXXX - {$1400.00}. I immediately called Citizens One and they said the extra payment was because of an insurance charge for flood insurance. Citizens claimed they did not know that I pay this separately every year. Once I showed proof of insurance, they processed a refund check and sent it back to me through the mail. I also canceled my automatic withdrawals and have been sending my monthly mortgage payments via checks through the mail. For some reason, Citizens One continues to send me monthly statements with extra escrow charges and continues to charge me for insurance and taxes that I pay separately every year and have never paid through my mortgage company.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.
Consumer complaint received 2022-11-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX, XXXX  XXXX XXXX