davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I had money sent to me from a friend and theey sent it as if they bought a product from me and i already verirfied the transaction to pay pal and they still froze my funds for 180 days. I want my {$1600.00} back
Consumer complaint received 2015-09-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (CA)

Citibank took {$170.00} in fees from my checking account between XXXX XXXX, 2015 to XXXX XXXX, 2015. In order to maximize the fees, Citibank processed larger transactions first in my checking account then smaller transactions which caused my account to be overdrafted. Citibank is engaging in unfair business practices by processing larger transactions first then smaller transactions in order to maximize overdraft fees.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

The week of XXXX XXXX XXXX unauthorized XXXX charges started appearing on my account. The first one occurred around XXXXXXXX XXXX the night of XX/XX/XXXX. I called the fraud center immediately after receiving the alert and told them that it was not me and it was fraud. The next day another charge for XXXX went through. I called the bank 's fraud number and reported it again. Charges kept going through despite the fact that I kept calling in and reporting each one as fraud. I was issued several new debit cards over the course of the week and nobody at the bank could figure out how to stop the charges. I told them I was going to close my bank account after they could not stop the charges from coming out. Finally someone told me that whoever I was speaking with before failed to disconnect my old debit card from the new ones being issued. Whenever a new debit card is issued, merchants like XXXX are allowed to have the new debit card number update in their system without having permission to. The bank should have realized this problem and disconnected my debit cards from each other completely. We have banked with Bank of America for 9 years and if you looked at all of our transaction history over the course of those nine years you would not see one XXXX charge on there because my husband and I have never used XXXX. XXXX transactions ran through onto our account before the bank could stop it. The bank payed all of the claims but one. I requested documentation on why the claim was not paid but they still have not sent me the documentation. I have screen shots of the XXXX transactions that went through and the letters they sent me paying all claims but one. I also have a letter from work stating that I was at the work that entire week that the transactions were going through.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$9300.00} 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed late payments on my credit report that was placed by XXXX XXXX XXXX, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The XXXX credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from TransUnion XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HOUSTONIAN MORTGAGE GROUP, INC. (TX)

Hello : My wife and myself started the process to buy a house. Our realtor was able to find the proper house for us. 
We submitted all the documents to the following company : K & G Capital Mortage. K & G Capital mortgage is a division of Houstonian Mortgage Group Inc. 
They offered to us a financial option using FHA system since the very beginning as the best option for us. 
As we are part of a relocation program ( XXXX ) when we started to provide all the documentation needed at the beginning, we notice that they were asking for XXXX card ( XXXX ) to which we explained and asked multiple times, to the FHA officer, XXXX XXXX ( Branch Manager ) about our XXXX necessary documentation. We explained that we did not have the XXXX card but that instead, we had a valid XXXX sponsored by XXXX XXXX and which is valid to XXXX in the United States ( while our permanent residence is being processed ). 
He did a quick check for the requirements and he said we had everything needed for the FHA loan. 
We started this process around XXXX month ago, and it has been an emotional roller coster, apparently they di n't check correctly and due to our " migratory conditions '' we never were able to obtain a FHA loan, which forced us to get a regular loan, with unexpected expenses, that added to the monthly payments and closing\down payment. 
Even worse, as we have a contract to close on XXXX XXXX, and the process has been so delayed due their lack of communication and commitment and poor response, we are about to loose the house, given the fact that the seller is in no obligation to accept the amendment for an extension while the process a regular loan. 
This is not our fault, as we already provided to them everything needed and on time ( sometimes working late at night ). 
Aside of that, my wife has had a very hard time, getting fair and respectful customer service. There was never a commitment with the customer, as they never even took the time to really check the necessary documentation ( once he said that we came from XXXX, when we actually came from XXXX XXXX ). They never explained with details all the process and must of the times, were very unresponsive to my wife when she asked for details on each item charged, while she was trying to understand the options ( by the way never meet the budget we asked for ). 
We believe that we have been put through unnecessary emotional stress and has affected directly the process of buying the house while we had been compliant with absolutely everything we had been asked for to provide. 
As a FYI, our XXXX in the United States allows an individual to buy a house. It would have been helpful to know our real options from the very beginning and not just a few days prior to closing. More emotional damage was caused due the fact that looks like we are going to loose all the time invested, effort, money required ( inspections, etc ).
Consumer complaint received 2022-01-20
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. (PA)

since XX/XX/2020 I have been trying to dispute false inquiries on my Trans Union. Trans Union refuses to start a dispute which is a violation of my rights They never started the dispute They never updated the dispute They never gave me any results from the dispute it is now been two calendar years fighting the same 15 false inquiries Even after multiple CFPB complaints
Consumer complaint received 2020-10-16
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 : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX 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 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I was going to try lexington law. I signed up and cancelled within 3 days. I got a confirmation email letting me know my account was cancelled. The email was sent in XX/XX/XXXX. Now today XX/XX/XXXX im getting emailed again saying i need to update my payment so they can bill me XXXX dollars. They are trying to take more money when im not with them anymore.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MN)

Our mortgage was transferred from XXXX XXXX XXXX to " Loancare a XXXX Company ''. We were given a loan ID at Loancare that does n't exist. We can not contact anyone at Loancare to correct this. We are put on hold after which the phone goes quiet and then hangs up 3 minutes later. 
We can not resolve this issue to pay our mortgage. Why is this so hard?
Consumer complaint received 2022-07-19
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (MO)

My complaint : I sent a dispute letter to Experian on XXXX, and i immediately received a suspicious letter back even though I sent proof of ID and address. 
The outcome I want? 
I want Experian to do their job, and investigate my complaint.
Consumer complaint received 2022-01-20
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. (TX)

XXXX XXXX is reporting a loan tradeline to my consumer credit file. This is a violation of the FCRA as I never authorized a loan with an energy company. I'm not sure if that is even possible. Next, there was never an opened date or payment history on this alleged loan appearing on my credit file. I never authorized this account nor was I aware that it ever existed as there is no reported payment history or date opened. This account alleges to be a loan tradeline. This entire tradeline reporting is false and is out of compliance with the FCRA. XXXX never provided a loan to me. Credit Bureaus are required to ensure that only accurate information is being reported. This entire tradeline is false. I did not accept a loan from XXXX XXXX.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-01-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (VA)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. A consumer transaction in which a Finance Charge was involved. XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance separately.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC (TX)

I have not used the XXXX card in over 1 year, I have attempted to close the account on numerous occasions and the autamated system disconects me after a brief hold and recording. I have been threatened by a company on behalf of continental credit that they will persue legal action. I have not received any written correspondance from XXXX Credit card, and my online account shows no balance due as of XX/XX/2016. The acount remains open so they can charge me interest and fees.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have unauthorized inquiry On my report And would like to remove If you can not provide such as Signature in Writing from stating that i Authorize these account And inquiry. According to the FCRA any inaccurate item On my credit report that is not XXXX percent verifiable Or accurate must be removed Immediately It is not metro 2 complain Or meet E Oscar Requirement please remove immediately
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (MS)

Spoke with XXXX XXXX from XXXX XXXX who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of XXXX as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute specialist with Experian, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than 3 disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.
Consumer complaint received 2021-11-29
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. (TN)

I submitted a dispute with Experian letting them know that the collection on my is not mine. I have never done business with this company. Experian closed the dispute stating that the information would remain on my correct report. I need to know who or where a loan was opened up in my name but Experian will not provide the information they received from the company. Each time I reach out to the check cashing company I do not receive an answer.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX ; inquiry XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metra 2 COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

Thank you, XXXX XXXX
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC. (OH)

The automated message they leave in voicemail : " We have an important message from JP Recovery services , Inc . This is a call from a debt collector, please call XXXX. " I do not answer any of their phone calls. The only debt I have is the financing on my car, which I make all payments on time and there are no issues.