davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (NJ)

I've been trying to pay my New York and Company bill on line and over the phone. when I go on line to pay my bill and submit my information for easy pay to pay my bill, it says " we're sorry. a technical glitch ocurred and your request could not be completed. please try again ''. when I try to pay over the phone there is not response. I've been waiting on phone for a least an hour and they don't respond. On the other hand it seems I get a sooner response when my payment its already pass do and I have to pay the late fee which is {$41.00} more than my actual pay which is {$37.00}. I hope I could find some help on this matter. Thank you in advance. They also change my credit card number and never receive the new card which its also an issue for me to pay my bill.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have attempted on several occasions to have a credit freeze lifted by Equifax. I do not recall placing a freeze, but apparently there is one, which I was informed of by a mortgage company. I have made several attempts online, as well as calling customer service to lift the freeze. Due to the huge data breach Equifax suffered and caused harm to so many, I do not trust them. I have been told by three separate representatives that I would need to fax a copy of the front and back of my license as well as my social security card in order for the freeze to be lifted. I do not trust to send this information considering when I call it seems I am reaching someone in another country and Equifax has proven they can not be trusted. I do not know what other avenues to take in regards to this matter. I have already verified all of my personal information over the phone several times with no avail. I am unsure where to turn and I don't think Equifax should be in a position to ask you to send such sensitive information to someone that honestly I don't know who is getting it and they have proven they are not to be trusted.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting an erroneous debt on my credit file and it must be removed. They are reporting several medical collections on my credit and they have all been paid. I was told they would be removing the collections from my credit but they have not done so. I have never signed a HIPPA release form for you to even report these accounts. They are therefore invalid and a HIPPA violation. They must be removed immediately.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (SC)

Hello. 

I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency. 

Recently the collection agency who had it apparently sold it to another collection agency known as Midland Credit Management ( The lady identified herself as this company ) and we received a letter about the debt and threatening to hand it over to a lawyer in our area. 

Currently I've been receiving phone calls every few hours since XX/XX/2020 with today being XX/XX/2020 where I finally picked up the call. The lady did not identify herself and said she was with the agency stated above. She began saying I owe {$1000.00} in debt to XXXX XXXX  and said " I owe her a reason for not paying her debt and once were done with this call we will decide what action to pursue ''. Upon a threatening voice and much harassment for the past 10min of the call duration I hung up. To date I have maybe 15-20 missed calls from the agency and unable to block their number due to them calling from a blocked caller ID. 

And ... if you're wondering ... I do not give my number out ever and I never get calls from unknown since high school
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

For the last 3.5 years i have continuously had to monitor my credit as Wakefield & Associates, Inc keep putting totals on my reports that are not mine. I have asked many time for evidence, proof these are my debts and everytime the debts magically disappear then reappear under another collection agency. It is a game where they keep throwing it on my report and never provide. This is not my debt, i would like it removed permanently from all 3 agencies. I have never been to the medical place they list. I have even called that company and they always say they have nothing to send me but a bill which does not help. Please help me take care of this once and for all.
Consumer complaint received 2022-12-03
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. (DE)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-25
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)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2022-12-03
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc. (GA)

I originally had a mortgage through XXXXXXXX XXXX  which was never paid late. Then on XX/XX/2018 I was shot which I was in XXXX  in the hospital for over a month. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXXXXXX XXXX  and then to XXXXXXXX XXXX XXXX XXXXXXXX rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXXXXXX XXXX apologized and removed the late payments. But XXXX and XXXX have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America did not make the County property tax payment for XXXX and XXXX. I received a delinquency notice in XX/XX/XXXX and again in XX/XX/XXXX ( {$670.00} - {$35.00} late fee included ) regarding nonpayment. I contacted Bank of America on each occasion and was informed that it was an error on their end. I contacted customer service on XX/XX/XXXX to inform them of nonpayment from my escrow account. I was informed that this would be escalated and paid immediately. I checked my online account on XX/XX/XXXX to see if the payment had been made. The payment had not been submitted and I contacted customer once again. I was informed that the payment had not been paid and a manager would call me back.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-26
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. (CO)

Transunion is reporting incorrectly that I am 30 - 60 days past due on XXXX XXXX   - account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have had this debt that does not belong to me any times for many years. The date 2018 is incorrect as they have been putting this on my credit for 5-7 years now. I have asked for orignal documents or proof or any back up and they still are unable to provide me anything. This does not belong to me, they have nothing but an invoice, nothing filled out by my, no ID copies, nothing I would like it removed once and for all and not continued to be sold to other collectors.
Consumer complaint received 2022-09-27
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-12
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (AZ)

I received a letter dated XX/XX/XXXX from OnLine Information Services. They state that I owe {$760.00} to a creditor named XXXX XXXX XXXX  for services of XX/XX/XXXX. 

I did use medical services on or about that date. However, I never received a bill or statement from XXXX XXXXXXXX XXXX about any debt or past due debt. 

I sent OnLine Information Services a letter to meet the 30 day response time frame. I disputed the debt and told them I wanted an itemized statement of the charges and whether or not my health insurance covered the charges.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Advantage Finance, LLC (KS)

Auto Advantage XXXX reported the account as being opened on XX/XX/XXXX to XXXX and XXXX. 

Auto Advantage XXXX failed to report payment history for XXXX of XXXX. Auto Advantage XXXX has the following inaccurate credit reporting which has violated my constitutional rights and XXXX XXXX under 15 USC and designated sub categories. 

Auto Advantage XXXX reported to XXXX in XXXX of XXXX that the account was XXXX  days late. In XXXX of XXXX the account was deemed to be XXXX  days late by Auto Advantage XXXX. 

XXXX XXXX XXXX reported to XXXX in XXXX of XXXX that the account was 30 days late as of XXXX XXXX  60 days. 

Under XXXX XXXX XXXX as with the designated sub sections Creditors and Lenders are legally required to maintain the integrity of the credit report by reporting information with XXXXXXXX XXXX accuracy to the credit bureaus. Auto Advantage XXXX has violated XXXX XXXX and my civil rights by failing to properly report credit payment reporting history to the Credit Bureaus. 

15 U.S.C. Sec. 1681e ( b ) - Disputes were submitted to Auto Advantage XXXX and they failed to properly respond or correct any information within a reasonable timeframe under XXXX XXXX. Auto Advantage XXXX violated XXXX XXXX again by failing to properly investigate and provide me with a signed consumer contract and accurate credit reporting. 

Due to the inaccurate reporting to the credit bureaus, it has affected my ability to get credit and has violated my consumer and constitutional rights of the United States. Auto Advantage XXXX was notified and made aware of the disputes multiple times and failed to act within a reasonable timeframe.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (NC)

Tempo lease services open up a account to someone that gave them my social security number and they purchase a item in my name with out my authorization also they was using my bank account information to make payments ... Im so upset because I never applied for credit with tempo and they are making me responsible for this debt
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XX/XX/2022, I requested to be provided with all original contracts along with my signature and all receipts from the original creditor to assist me in proving that I do not owe any debt. I also asked for the information used to validate this account. XXXX is violating Hippa Laws by sending what appears to be my medical records. This is in violation of my privacy and is also being used negatively against me as I have not be given a copy of my receipts showing that I paid for services when they were rendered in person.
Consumer complaint received 2020-11-18
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. (CA)

Settled an account with XX/XX/XXXXcompany, and the account still said charged off instead of settled or paid off. They agreed during negotiations that it would be changed. But whenever I call and ask to speak to a supervisor, I have been put on hold forever, and I end up dropping the call. It's not right.
Consumer complaint received 2022-12-04
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: CLGF Holdco 1, LLC (NC)

In accordance with the fair credit reporting act XXXX have violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Consumer complaint received 2022-07-21
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)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Thursday, XX/XX/XXXX, I deposited a check in the amount of {$3900.00} into my personal checking account. This transaction took place at the XXXX XXXX XXXX of Bank of America in XXXX, Georgia. These funds were to be electronically transferred to a third party as soon as possible. I did not to want to transfer these funds until the check had cleared, so I went back to the same Bank of America branch on Friday XXXX, XX/XX/XXXX, and spoke to the same teller who deposited the check on Thursday. She verified that the check had cleared and my online statement of transactions showed this particular transaction as completed, not pending. I asked the teller if there was any chance the funds were not in my account and she referenced the transaction statement and confirmed with a screenshot showing that the funds were received. I had no reason to doubt her. After talking with the teller that morning, I felt comfortable transferring the funds to the third party. 

On Monday, I learned that the check was fraudulent. I immediately went to the Bank of America branch and was told that I would have to talk to another branch at XXXX XXXX XXXX where I was told I had to contact the fraud department by phone. I have spoken to various departments several times and no one has attempted to be helpful except to say that it takes 1-3 days for a check to clear. I made a good faith effort to ensure the check had cleared. After all, why would the bank release funds before the check had cleared? That makes no sense. I researched this practice, and learned that a bank may release funds in advance of receiving them if the customer has the money to cover the funds in his/her account, or if the check is drawn on a major company or trusted source. Neither of these circumstances applied here. Also, I went online Thursday night before transferring the funds to see how long it takes for checks to clear and saw that several banks ( including Bank of America ) can clear checks in one day ( XXXX ), so when the teller said the check had cleared and the funds were available for transfer, I believed her. 

Now I am out $ XXXXmoney which I do not haveand it is befuddling why Bank of America has acted in this manner. I believe Bank of America is at fault for releasing funds which it had not yet received and for misleading their trusting customer ( of 20 years ) into believing the funds existed for transfer.
Consumer complaint received 2022-07-14
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX