davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SD)

I am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.
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. (TX)

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

I would like to bring to your attention the following instances where I have reported fraudulent items : Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : 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 2021-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is a complaint against Bank of America. Refer to case # XXXX submitted on XX/XX/2021. I've been working on trying to get the funds back since XX/XX/2021 and nothing still hasn't been resolved. I'm still owed {$560.00}, and would like for the money to be returned. I've provided all the ample information to prove the funds went into the bank into the account number that was provided to me. It has been verified numerous times by various Bank employees. Why haven't I received the funds back? I would like an update. In the beginning I had to switch money around to cover the funds to pay bills that the money was intended for. I've tried calling Bank of America all I get is a voice mail, I've left several messages with no call back. They're not willing to work with me.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I put a application in for a bank of america secure credit card and bank of america has declined me for a secure credit card how can I be declined for a bank of america secure credit card when I am putting up My own money to begin with I don't believe My application should have been declined because I have things on My credit report I never had a bank of america secure credit card with my bank I don't agree with My bank declining me the opportunity to get a bank of america secure credit card when I have never had the opportunity to get a sercuce credit card to begin with
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX This company has turned me in to a collection agency for {$6900.00}. I did not open an account, or receive any funding from this company. My credit report doesn't show a hard inquiry from this company, and my bank statements do not reflect any amount received from this company. The company shows I opened the account on XX/XX/2021. This is false. 
This is only reflected on my credit report through XXXX. I opened a dispute, and XXXX  said the report was valid. It is not. 
Also, I have not been contacted by any collection agency.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: McCarthy, Burgess & Wolff, Inc. (FL)

The company name is McCarthy, Burgess & Wolff They call my business, my cell phone, my employees, my children, my inlaws and renters MULTIPLE TIMES A DAY ... .for a debt that is inaccurate and I am fighting the company now through the Insurance Regulations Office . My company has been fighting this XXXX XXXX XXXX XXXX audit due to their negligence of updating the company information then hitting me with penalties for the past 4 years ... this collection company is FILLED WITH NASTY INDIVIDUALS THAT ARE CALLING PEOPLE TO TRY AND EMBARASS ME TO PAY THEM, NOT VERY ETHICAL!
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CO)

on XX/XX/2016 at XXXX mountain time I went to XXXX and used the ATM to withdraw XXXX dollars. I input all the information that was required to get funds. The ATM went into a mode as if it was going to release the funds. The screen went blank before the money came out. The screen came back on in a red background with error message that ATM was down. I called the American Express Serve and was told I had to file a complaint which could take 10 to 45 days. I contacted the bank and was told they knew about it and since I did not have a account with the bank that they would have to go by my bank. I sent all the information in to dispute the charge and also had the bank manager call in to see if they could expedite this matters. They could n't explain to us how to contact the owner of the ATM and that on XX/XX/2016 will be the next update and that they will then issue a provisional credit. I called in everyday asking that they email the dispute department asking them to give me the contact information to the owner of the ATM so that I can contact them to see if I could get this issues resolved quick. They never contacted me until XX/XX/2016 when I was told in a email that the ATM provider confirmed the funds was dispensed. I called American Express Serve and was told it was closed and that they will only reopen if I can get new information. I called XXXX who the bank said was the contact as owner. I called them and was told they only services them. They did not have the owner information. The video will show that no money came out at the time I made my request. My money was taken and there is no way to get owner information and I have only 10 days to get new information or my money is taken away from me.
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previosuly notifeid transunion that I am victim of identiy theft. There are fraudulent items on my Transuion credit report only. I woulnd like to know how can trasunion verify fraudulent information as accurate. How was the faudulent information verified and what dates? 
this definitely not fair to me that I should be punished for someone else error.
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. (TN)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please help me remove these items. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO the 3 credit bureaus must comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

Is there any reason why I still have not been contacted by Chime about my direct deposit sitting in an active credit builder account that I canceled o er a year ago... is one of the many emails I sent to Chime concerning misappropriation of fund. After getting off the phone a customer service rep transfered another customer from North Carolina to my phone number as if I was a Chime agent. After having to call numerous times and getting the run around about why I have a credit builder account on my end showing {$0.00} available but their saying they see my direct deposit balance on their end. This unprofessional behavior had caused me mental duress
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

This complaint is in regards to PayPal.com XXXX purchases. Have never had issues with PayPal until recently. 

Today I bought {$450.00} in bitcoin. PayPal charges fees to buy bitcoin and to sell bitcoin. I am now unable to send the bitcoin I purchased on their site to send to another merchant. Says that theirs is an error and I have tried XXXX times and keep getting the same message. 

PayPal customer service is absolutely no help whatsoever, if PayPal lets me purchase cryptocurrency on their platform then there should be no reason why XXXX cant transfer to another merchant. My only option now is to sell on their site and rack up more fees and charges to do so! 

PayPal should be sanctioned for these shady business practices and am considering filing a class action lawsuit as after doing more research this is a common matter with this company! My question is why isnt the CFPB doing something about this? 

Absolutely unacceptable business practices!
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NE)

On XX/XX/XXXX, I received a text message from National Recovery Agency saying I owe a debt. I do not. I called the the company that I supposedly owe the money. They checked the account number given by NRA, checked by my name, ssn, and they dont have any accounts in my name, by an account number ; in fact they dont even use that type of accounting number. 
I always use a third party payment system to purchase items, and dont pay the company directly. 
The NRA texted me again on XX/XX/XXXX. 
I dont owe the company any money, dont have any account with the company, and dispute this debt. I did not call NRA directly as I believe it to be a scam of some sort. Ive never heard of an debt collection agency texting, however, Ive never had to deal with debt collection.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

XXXX XX/XX/XXXX I contacted Bank of America about a fraudulent account that was created in my name. They indicated that they would close the account. Three weeks later I received a statement indicating that the account was not closed. I called them and was forward to the fraud department four times. The first two times I was hung up on. The second two times I waited for over 45 minutes with no response.
Consumer complaint received 2017-05-21
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: Navient Solutions, LLC. (CO)

I sent the attached letter to Navient/  XXXX   XXXX   XXXX  disputing the late payments on my credit reports. Navient did not respond at all. As explained in the letter Navient never informed me they were reporting negative information after  30  or 60 days. This is a FCRA violation. They report the negative information at 90 days late. Protections in the FCRA were designed to inform consumers when negative information was reported. When they do not report the information until 90 days late they are both ; not reporting information accurately, and not giving consumers the notice the FCRA was designed to give. These loans are paid in full. They were paid in full as soon as the obligation was communicated. It does not matter if Navient believes they are doing consumers a favor by not reporting at 30 or 60 days late. It is not accurate and a FCRA violation.
Consumer complaint received 2022-07-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group (NY)

in 2016 i took a loan from XXXX XXXX on the internet and i was paying {$600.00} + per month. when i realized nothing was happening to the base amount i called XXXX XXXX to find out where was my signature was and where the interest rate was. They told me that my signature was online and the interest rate was 34+ %. I told XXXX XXXX that anything over 25 % was criminal usury and i was not paying anymore. They said okay and charged off the debt. 

I thought that this issue was resolved, however a company name Velocity brought the loan and sued me in civil court for repayment of this debt. At the first court hearing i explained that 34+ % was criminal usury and i was not paying it. Their attorney told me that it depended on what state the original lender was located. This did not sound right to me so i researched usury laws for all states. No state said that anything above 25 % was not criminal usury. 

The next time i went to court i told them the same thing in paragraph 2 and also all of my income is judgement proof. when they heard this they threatened to put a lean on my house. i didn't remember signing anything offering my house as collateral. I continue to research criminal usury and i called and payed for an attorney in California, a state that i thought was where the original lender was located. The lawyer XXXX XXXX, told me in no uncertain terms that the law applies to the state where the barrower ( me ) lives. 

In view of the fact that i received the run around from two Velocity attorneys who gave me bogus information which counted my research i emailed the judge who was hearing my civil case because he was in civil court and i felt he possibly was not familiar with criminal usury laws. i was warned on two occasions not to contact the judge directly with out informing Velocity attorneys.
Consumer complaint received 2022-01-07
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. (PA)

I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

There is an address and a XXXX XXXX on my Experian Credit Report that are not mine. XXXX XXXX XXXX, XXXX, XXXX XXXX is the address of my second wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX, She is remarried again, new last name unknown. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, I believe to be the address of my first wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX. 

The female I spoke with a Experian at XXXX at XXXX XXXX, XXXX XXXX XXXX, said the address was on a notice sent to them by a bill collector. The bill occurred during our divorce and was incurred by my second wife without my knowledge. My point to the Experian representative was that I have never lived at, vacationed at, leased, purchased property at nor used as an accommodation address this location. These facts being true, how can it be listed as XXXX my addresses? The situation of the XXXX. XXXX is exactly the same. Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXXXXXX
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc. (GA)

I suspect fraud so I get on the self lender app for support which I tried doing the bright previous to this filing and they said chat is closed and said the hours so I just check again and they dont have a number to contact so I go through the prompts that I clicked were like I suspect fraud and it goes to sent me to and agent but nobodys there no Waiting in queue just sorry bye like when am I able to contact about this fraud on my account only these XXXX charges
Consumer complaint received 2020-07-09
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX, MEDICAL, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (MN)

I recently obtained a copy of my credit report from XXXX, Experian, and XXXX. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from my credit report.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently obtained a copy of my credit report from XXXX, XXXX, and TransUnion. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from my credit report.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (OH)

According to 18 USC 241, 242, My rights are being violated. The third party collector has no jurisdiction to collect on a debt that has been discharged. The request was sent for verification of signature but not received. Due process was not given, I was not properly served with notice to appear. It appears during this time, I was dealing with a sick mother, whom is now deceased. There is no contract that exist between my corporation XXXX XXXX XXXX.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MS)

I PAID OFF A DEBT THAT WAS OWED IN FULL. I DISPUTED IT AND WAS TOLD THAT I STILL OWED THE MONEY AFTER THE INVESTIGATION OF MY CREDIT REPORT.