davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX Credit Reporting company that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.
Consumer complaint received 2022-07-18
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. (AL)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balanceed Owed : $ XXXX XXXX  XXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$1000.00} XXXX XXXX  XXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX  XXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX SER XXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

hello, my name is XXXX XXXX ans I am a victim of ID Theft. The credit bureaus already deleted the fraudulent previously and reported it under a different name ( XXXX XXXX ). i have included my FTC report.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I need your help to stop this deceptive practice and fraud from carrying out time after time. When they didnt get the money theyre wanted, they use the collection report to force the consumer to send them the money. I didn't own them anything. 
I contact Dr. XXXX office XXXX and spoke to Ms. XXXX I was told it will be taken care of and not to worry. This is the first and only visit to this doctor 's office for an annual check-up with co-pay and all work was done in-house at this doctor 's office. 
The XXXX XXXX and XXXX XXXX XXXX XXXX is nothing more than fraud sending out bills that had been paid by the doctor 's office. For this bill 2019, I spoke to Ms. XXXX and XXXX with Dr. XXXX XXXX, both doctors offices stated that I didnt own anything else, XXXX balance. I have no problem paying my bill in a timely manner and paid as greed, I do have a problem with medical fraud billing. ( XXXX XXXX send me the name of the doctor on the bill that I never heard of before ) I need your help to stop this fraudulent collection from the medical billing. This type of scam artist sends out a medical bill from {$15.00} to {$30.00} to many seniors like me and threatening for collection and using credit report tool to force the consumer to send them the money. Thank you for all your help and I am looking forward to hearing from you. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX Credit Reporting company that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is a complaint about Bank of America ( BOA ) and their customer service. I am writing to request the proper process of my deposit {$1800.00}, my money {$5600.00} they put on hold, and apology from the customer service. 

On XX/XX/2022, I deposited {$1800.00} of a check with total amount {$5600.00}. I got the deposit {$1800.00} on the same day, with another transaction called " Bank Adjustment '' with amount of {$3700.00}, which is the rest of the check. Then, on the same day, Bank of America ( BOA ) took {$5600.00} from my checking account. 

In the morning of XX/XX/XXXX, I received an email from BOA saying my available account balance is low. I logged into my account and found they put {$5600.00} hold on my account. That's on top of the {$5600.00} BOA took from my account on XX/XX/XXXX. 

I called the customer service at XXXXXXXX XXXX in the morning of XX/XX/XXXX, and explained what happened. The customer service claimed the {$5600.00} they put on hold is from the check. I further explained several times to XXXX XXXXXXXX clearly didn't understand anything and then hang up my phone call without saying anything when I was talking.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. 15 U.S.C 1681 Section 611 5 Section ( A ) ( I ) : states that any information disputed by a consumer that can not be verified or found inaccurate shall promptly be removed. This account shows as open when it is closed
Consumer complaint received 2020-11-03
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. (MO)

Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

Comenity has been updating their website for a while now and I havent been able to pay my card. I dont want my credit score to be affected because of them. Im reading also that they might have gotten hacked and that just worried me more specially regarding my personal info.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (DE)

Noticed a new card opened in my name with XXXX XXXX in mid XXXX. Called them multiple times to advise closing card and to send me to fraud department to get this closed and fixed. Would not inform me of status, would not let me speak to management, hung up on me multiple times when I asked for documentation of fraud being taken care of. Froze my credit and worked with them to send a letter. Still no response and will not speak with me on the matter.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Opened a new account with XXXX XXXX XXXX, and when I attempt to access my account online their entire website and phone tree is down. I can not register for access, see my info, or pay the bill that is due. Checking online shows this site has been down for weeks. I don't want a hit to my credit because I can't pay the bill.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

Back in XX/XX/2018 We purchased a TV at Best buy XXXX, MD. When we tried to pick the TV up, it TV was not in stock. Best buy refunded us a total of {$2500.00} ( see attached receipt ) I submitted the dispute with Citi Bank to return the money to my account. 
On XX/XX/2018, I received a credit for the disputed amount. However they charged me the same amount again, same happened in XXXX and XX/XX/2018 Since then I've filed several disputes and went to Citi Bank in person and I've been told there's nothing the can do for me. They say that they see there's this charge but they can't refund it. I also went to Best buy in XXXX and they told me that the money was returned to City Bank. 
It's been over a year and City Bank has not been able to clear this, it's hurting my credit score and also my available balance for purchase.
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc. (NC)

This creditor continues to report outstanding balances regarding medical debt to my credit report. I have advised and requested over a period of multiple years that either them or the original creditor can submit any outstanding medical debts to either XXXX XXXXXXXX or XXXX depending on dates of service. They have also been advised by me that they could have presented these bills in a retroactive manner. I have also requested to the current and original creditors to provide to me in writing that they have submitted any bills to the eligible insurance companies for payment and that they were denied by the insurance company. Despite my many requests to provide in writing, as of XX/XX/2022 I have no received any notification of denied claim in writing.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (GA)

On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the XXXX data breach and may have possibly been interfered with.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank, which issues my NFL Extra Points Visa Card was down for " routine scheduled maintenance '' for at least a week, from on or about XX/XX/2022 until on or about XX/XX/2022. I was finally able to make a payment on XX/XX/2022. This outage caused my account to go 30 days late and a derogatory mark to hit my credit report. When this account was previously with XXXX, I had never had a late payment on my credit report, and I fear this outage, and my inability to make my payment will cause my report score to be lowered.
Consumer complaint received 2021-03-02
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)

On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : XX/XX/XXXX and Transunion in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My XX/XX/XXXX score dropped 65 points, XX/XX/XXXX dropped 97 points, and Transunion dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXX 'XX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2021-03-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Equifax is reporting the following items inaccurately and has not responded to my disputes. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX {$2500.00} not mine XXXX XXXX XXXX XXXX {$3500.00} not mine INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXY : XXXX XXXX not mine
Consumer complaint received 2022-07-01
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 

for student loans : The defendants allegedly charged illegal upfront fees that they led consumers to believe went towards consumers ' student loans, and falsely promised that their services would permanently lower or even eliminate consumers ' loan payments or balance
Consumer complaint received 2022-12-12
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.