davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Accounts Group, Inc. (MD)

I attended XXXX XXXX in the summer of XXXX. I took out a subsidized loan and an un-subsidized loan to pay for my classes. I was unable to finish the class so I have to repay both loans. Ive been paying for both loans through the loan rehabilitation program since last year. My accounts are with Navient now and my payments are in deferral because I attended XXXX XXXX college for the spring semester of XXXX. Now all of a sudden a file shows up on my credit report this month from XXXX XXXX saying the account is derogatory. The new account is a duplicate of the accounts that Im already paying. I need this derogatory account off of my credit report because its inaccurate.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally dispute the outcome of your investigation regarding the fraudulent account ( s ) or transaction ( s ) reported under my name. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or fraudulent information on my credit report and to have it thoroughly investigated.

Despite my previous submission of a consumer fraud affidavit and supporting documentation, the investigation has not resolved the issue of identity theft related to my account ( s ). As a victim of identity theft, I have been subjected to unfair financial harm, and the reported information remains inaccurate.

I am requesting a reinvestigation of the matter, as I believe that the response provided did not fully address or resolve the fraudulent activity. Additionally, I expect that this disputed item be marked as in dispute on my credit report, per FCRA regulations, while the investigation is reopened.

Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days and provide me with a written notice of your findings. If the fraudulent activity is not removed or corrected within that time frame, I will consider further legal action, as permitted by the Fair Credit Billing Act ( FCBA ) and other applicable consumer protection laws.

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the removal of this fraudulent information from my credit report.
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts,
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MD)

Established account in XXXX, 2020. Used online banking service ( " OBS '' ) from another institution to schedule payments, which are due by the XXXX of the month, however as OBS did not have ACH information paper checks would be mailed 5 business days prior to address from periodic statements. System worked well for three months whereby payments were received in timely manner. In XXXX of 2020, creditor claimed payment was not received until the XXXX - 1 day late - and imposed a {$27.00} late fee. Submitted dispute to OBS who attempted to contact creditor via two different " customer service '' numbers, without success ( stated wait times in excess of 2 hours ). Same issue occurred in XXXX, except OBS mailed payment so it would be received by the XXXX given XX/XX/2020 was a Sunday ( non-business day ). Creditor claimed payment was not received until the XXXX and imposed a {$38.00} late fee. Again contacted OBS who stated they had continue to make multiple attempts, unsuccessfully, to contact creditor, and asked that I attempt to contact the creditor directly. Submitted online dispute with creditor for the two late payments and asked via online system for name and number of contact for OBS to call and/or for process/instructions for OBS to make electronic payments. Creditor agreed to waive the {$38.00} late fee as a " one-time courtesy '', yet response to multiple requests for contact name/number and/or additional information was simply to contact the creditor via published numbers. Currently on hold with said number for past 60+ minutes waiting to speak with someone.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (AZ)

Currently, Online Information Services is attempting to collect a debt from me on the behalf of XXXX XXXX XXXX XXXXXXXX Illinois. XXXX XXXX, XXXX have disputed the debt on my behalf through the credit bureaus '. My dispute is based on the dollar amount of the debt being incorrect. This company won't acknowledge receipt of the dispute. They won't research the validity of the debt, nor will they communicate with me over the phone about the debt, claiming they need to speak to my legal team XXXX XXXX XXXX XXXX first. The refusal of communication from Online Information Services prohibits me from attempting to come to a resolution for the debt. However Online Information Services has responded to the dispute via the credit bureaus as the debt being accurate. I hired XXXX XXXX back in XXXX of XXXX to handle the dispute portion for collections on my behalf only. This information has been conveyed to XXXX, the Asst Manager with Online Information Services on XX/XX/XXXX. She still refused to communicate with me about a debt that they are claiming as mine. 

In XXXX of XXXX I spoke to a representative about this debt, but I don't think it was from this company. The representative ( whomever that was ) also refused to prove the validity on the amount of the debt. In the original dispute filed XXXX XXXX alleged on my behalf that the amount of the debt is invalid. Complaint : XXXX XXXX neglected to discontinue my service after I moved out of the home on XX/XX/XXXX. I reported my move out to XXXX XXXX XXXX in the week following XXXX of XXXX. Despite my attempt to discontinue services and finalize the account, XXXX  XXXX continued to provide services to the new tenant in my name until XXXX of XXXX.
Consumer complaint received 2020-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (NY)

I contacted debt collector amerassist AR solutions on XXXX, informing them there must be an error with the debt that they are claiming, due to the fact that I was incarcerated from XXXX until XX/XX/XXXX. They informed me that it's my responsibility to pay the debt or they will seize all my assets, garnish my wages etc. I asked them who is the original creditor and they told me its XXXX XXXX XXXX  in XXXX New Jersey. I explained to them that XXXX XXXX XXXX  was brought up on charges for defrauding auto insurance companies for millions of dollars on XX/XX/XXXX, and I am simply one of their victims. I last explain to them that i have original documents from my XXXX date and XXXX  date, showing proof that I never received such XXXX.
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. (IL)

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 credit score over 719transunion has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I sent CREDIT COLLECTION SERVICES an Affidavit of Truth, & invoice, via certified mail in XX/XX/ XXXX for a multitude of Federally protected Consumer rights violations under 15 USC 1692. The bad debt furnished on my consumer reports is ruining my reputation, and it is defamation of character under Federal law.
Consumer complaint received 2020-06-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

My son who died at age XXXX last XXXX has a mortgage with Roundpoint Mortgage on a duplex in XXXX Indiana. It is owned by the family partnership that I created in XXXX. He gave me authorization to access the account on XX/XX/XXXX. I received an escrow information statement about 1 week ago but was unclear if it was a bill or just a notification. When I called for clarification, they said that once I notified them of my son 's passing last XXXX, my access to the account had been terminated and they couldn't help me. I stated I have the amount and just want to know if it is a bill so I could pay it and not be delinquent. After talking to a manager, XXXX XXXX, and not getting clarification, I said I'd like to pay off the mortgage. He said I could not pay it off since it is in my deceased son 's name and I need to obtain legal advice. 
We reside in California and I am the legal heir. California probate law states if the estate is under {$150000.00} we did not need to go through probate court. He was single without children. 
No where in the Roundpoint authorization does it state that it terminates with the death of my son. 
I've attached the death certificate, the California probate code, and a letter from our attorney to his employer. 
Can you help me. 
thank you XXXX XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The address associated with this account isnt mine I have never had or have I ever opened a capital One or any other credit card. The person associated with the address XXXX XXXX XXXX XXXX to this fraud account should be prosecuted for XXXX if you investigation is through you would see this.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion, XXXX, AND XXXX without my permission. This are a fraudulent inquiries, which I did not authorize On XX/XX/XXXX XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report. 

As up to date, XXXX shows the 3 inquiries, and the Transunion and XXXX still show the XX/XX/XXXX. 

Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially. Should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1.  ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX   data breach publicly known.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (FL)

After having my teeth cleaned  at an in network dentist, I was billed for services that were supposed to be covered with only a copay. After being billed repeatedly and disputing with insurance company, I finally payed out of pocket after it was sent to collections. Nearly 2 years after settling the debt, I received another bill for the same services. I tried to contact the dental  office and learned that they went out of business. I am receiving calls from debt collectors for a debt that has already been payed. I believe they sold a bunch of debt, valid and invalid in order to keep the business afloat.
Consumer complaint received 2023-03-18
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXXXXXX, # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-02-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cuzco Capital Investment Management, LLC (FL)

The company called XXXX XXXX XXXX is representation of Cuzco Captial. Called my job and personal phone with threats of suing me over debt bought from XXXX credit card which was charged off after payments made to them directly. The company was very abusive in language and behavior causing me to almost crash while I was driving and hanging up in my face and talking to me in discriminating ways. I asked them to show me verification of the debt to which I was told that they dont have to. They wouldnt even identify themselves or Cuzco capital. XXXX they stated I owed an amount why higher than what XXXX  ever had. This is also illegal
Consumer complaint received 2022-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

Ive attempted to contact PNC Bank multiple times and no one will speak to me about how much I owe and what my balance is to refi. Im trying to pay off this loan and unable to speak with anyone. Ive gone through bankruptcy about 9 years ago and Ive received zero notification as to where to send my payments. They cant locate my account and it may be closed. Theyre s no release on the mortgage and Im concerned because I have no idea of where to send my mortgage payment. I called several times on XX/XX/30 and attempted multiple times to reach someone.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CT)

Company claims I had two charges totaling a XXXX $ however the card was lost and I couldnt access my account online with paperless billing and it was showing up to active my new cards when I finally received a call I called them back and they wouldnt tell me what the charges where and are charging me over XXXX $ in fees I asked to to come to a settlement explaining the situation and confirming my payment history with the card that it was always paid a fees days after it was used she said no and hung up on me. I wouldnt have known to contact them if I didnt use the card and they wont even explain what the charges are
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

Opened my account XX/XX/2020 and instructed the lady at the branch to use a promo code for a new account promo bonus. " SunTrust is offering a bonus of {$200.00} when you open a business checking account and complete the following requirements : Make cumulative qualifying deposits of {$1500.00} or more ''. I opened the business account for this Suntrust account. I was forced to do it in branch and the lady said she applied the code. Her name is XXXX and her email is XXXX so you can get in contact. She works at XXXX XXXX XXXX XXXX XXXX The requirements for the {$200.00} bonus is deposit {$1500.00} in cumulative deposits in the first 30 days. I completed the requirements and it is showing nothing on my promos the last on the phone said and the box is not checked for the promo code. Q4 2020 Small Business Checking Reward is the bonus that was suppose to be loaded into my account but never was. The lady XXXX said I don't qualify for the bonus because I took the money out but that is not what the terms states. What the promotion states is that the deposit can not be made using a debit card credit and the account must maintain a {$0.00} balance until the rewards are credited. 
I made the deposit and still never received the bonus. I tried to get in contact with customer service and a manager but was never helped so I am taking it to the CFPB.