davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CHARLES SCHWAB CORPORATION, THE (OK)

I tried to send a money order to my friend in XXXX for food and medicine for my dogs that she is keeping while i'm here like I have sent to her for the last day or two the very same transactions. My Charles Schwab debit card was declined so I called right then while i was still in the store. I had an appt in a few minutes so i wanted it fixed so i could finish then get on to my appt. The girl said it was flagged as a " fraudulent transaction ''. I told the XXXX  girl that i'm standing right in the store making the transactions myself just like i've done for the last several days so why are they just now saying it's fraudulent? Why not say that to all the ones i'd done before when it was the very same thing! XXXX!!!!! I had to hang up because i was late for appt. that was XXXX on XXXX. When i returned home about XXXX i tried to access my online account and couldn't. Said to call number so i did. NOW the XXXX  had locked me out of my online account too!!!!!!! What happened to me in the next 4 plus hours should never have to happen to a customer of any company ever!!! It was a nightmare! I lost count of how many people I spoke too but do know i was on hold off and on for 3 hours!!!!! Each person passing me to the next, the next, the next, without anything being done. Finally one of those  people got my online access to my account restored only to find that my debit card WAS STILL BLOCKED!!!!!! Now i have to start talking to a different round of people for that I find out!!! What I went through and what people told me can only be explained by listening to the " recorded line '' tapes and there are plenty of those. No one would believe these conversations without listening to them. Finally this XXXX person calls me after XXXX and says to me '' you will just have to wait til monday to use your debit card because the ONLY department that can fix ( what we erroniously XXXX XXXX ) your card has gone home til Monday!!!!!!!! So now let me understande what you are telling me, I said, that I am a XXXX yr old single woman with no family, trying to send money for food and medicine for my dogs, ca n't drive because of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, have no food for 4 days, can't pay contractors that have already started working in my condo, can't pay plumber that is fixing my bathroom already, and can't do anything that requires money until at least Monday when these powerful people finally come back to work, is that what you're telling me? She said YES!!!!!!!!!!!!!!!!!!!! So here I am not able to send money for food for my dogs, not able to pay my workers, not able to buy food for at least 4 days and not able to access MY OWN MONEY FOR at least 4 days!!!!!!!!!!!!!!! For proof of this horrible nightmare you need to demand a copy of all of the " recorded line '' conversations that i had with all the people who rejected me!!!!!
Consumer complaint received 2020-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Recovery, Inc. (LA)

I am disputing the debt as reported by SOUTHERN CREDIT RECOVERY for {$290.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist. 

In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state and jurisdiction? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state and or jurisdiction, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Convergent Outsourcing, INC, Balance {$240.00}, reported XX/XX/2017, Original Creditor : XXXX. I have sent numerous letters to the credit reporting agencies, XXXX, XXXX  and XXXX. I have also reached out to the debt collector to no avail. I am in the process of purchasing my first home and the above account does not belong to me. I have filed a police report in the state of Florida, where I reside. I filed a report with the FTC and I have been battling this identity theft account it does not belong to me. Please delete this account from all credit reporting agencies.
Consumer complaint received 2020-07-03
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. (OH)

I have disputed multiple items with XXXX  & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like XXXX got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I went to use my Bank of America UI debit card it was declined. I went directly to a branch and they advised me that I needed to call. While on the line for over an hour, I spoke to a BofA agent who took over an hour to assist. Honestly, it did not seem like she knew what she was doing. When I reviewed my statements, there was a Charge to E-Bay for {$2000.00} made on XX/XX/XXXX that was unauthorized. In addition, there were roughly XXXX charges ( well over {$2000.00} ) to XXXX XXXX in XXXX XXXX that I also did not make. These were reported ; however it is well over a week now and I still DO NOT have any credits. In addition, I looked at my balance today and there is a charge made on XX/XX/XXXX to XXXX XXXX for {$21.00} that I also did not make. I just activated my new card today, so how can anyone make charges to the account? Did this come from the prior card number? Bank of America also said they would be sending out letters and I have not received anything. These are the ONLY funds that I have and need and need some assistance ASAP, as I have bills that I need to pay.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NM)

A loan with XXXX was take out fraudulently in my name for {$4000.00} on XX/XX/2022. I immediately reported this to XXXX. It was told they would freeze my account. Was also told that I needed to submit an Affidavit for Fraud and a police report to them so that they could open up an investigation into the matter. I completed and submitted the reinsured documentation in addition to an FTC Identity Theft Report to XXXX 3 times. They have emailed me back 5 times over the past week stating that I am responsible for the loan. I don't want this to wreck my credit. I've need additional support trying to get this issue remedied. Please look at the XXXX  complaints for this company. I am not the only consumer this is happening to.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC (NC)

I tried to purchase shares of stock on XXXX using my bank checking account { XXXX XXXX XXXX XXXX .This transaction was denied based on information XXXX received or obtained in a report from Early Warning Services , Inc in, XXXX AZ.I have never heard of " Early Warning " consumer reporting agency, nor " XXXX XXXX ''. I'm not going to send any of my personal info/data to a company/report agency that I have never heard of or knew existed. I'm aware of the big XXXX credit report agencies, I have had no dealings nor knowledge about " Early WarningXXXX XXXX . Is this a REAL Company or Scam.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed multiple items with XXXX  & TransUnion and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like XXXX got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with TransUnion. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This account has already been paid ( Attachment on file ) and currently being reported as a collection. Which is a violation of my rights according to the FCRT. Please, update to closed or delete as soon as possible.
Consumer complaint received 2023-04-03
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: National Credit Systems,Inc. (AL)

Method of verification Highly Requested Under15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nameand address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below { XXXX XXXX XXXX  } Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. 
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance proceduresI am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under15U.S. Code 1681nand15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/XXXX I received a notification that a new collections account in the amount of {$220.00} had been added to my credit report. Upon further investigation the collection was regarding an old account from XXXX  that had been closed on XX/XX/XXXX with a XXXX  balance due by XXXX  in accordance to their company policy that a customer 's account must be closed if they change addresses and a new account must be open for the new address. 

I called XXXX on XX/XX/XXXX and was told by XXXX  customer service that I was in collections for un-returned equipment from my closed account from XX/XX/XXXX. I requested to receive proof of documentation of their attempts to contact me regarding their fees as I have never received any form of bill or letter and the customer service representative stated she was unable to provide or acquire such evidence. 

In XX/XX/XXXX, I had called customer service to schedule a change of address service and was instructed by the customer service representative to keep my current equipment and to not return it because it would be used in my new place of residence. When I moved to my new place of residence in XX/XX/XXXX I was given a new account number and was required to install new equipment to be compatible with XXXX   's new technology requirements. At the time of installation in XX/XX/XXXX, I had asked the XXXX  Technician if he would be taking the equipment and he said no it was not necessary to return. Furthermore, post closing of my account from my prior address XXXX   never provided me with return instructions or labels or any sort of request and told me my previous account to which the equipment was registered to was closed null and void with no additional fees due. To date I have maintained a 100 % on-time payment history with XXXX, I have maintained the same email address, telephone number, and have my current mailing address on file from my new account. To date I have never received any form of attempt to communication or correspondence from XXXX  regarding the {$220.00} balance due before being sent to collections. XXXX  also removed my access to my online account portal as soon as the account was closed and terminated to which I was no longer able to review any documents or impending charges.
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NM)

On XX/XX/2022, I spoke with XXXX XXXX of XXXXXXXX XXXX XXXXXXXX about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ). 

I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " Pinnacle  XXXX XXXX, LLC, '' a group of ER physicians that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance. 

XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ). 

In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from XXXXXXXX XXXX XXXXXXXX, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my memory, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did. 

Finally, in XXXX of 2022, I received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment. 

Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.
Consumer complaint received 2023-04-03
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. (IL)

I'm writing this complaint to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I followed TD Banks offer to open a new TD beyond checking account ( XX/XX/2020 ), for new customers and I followed their terms, to be a new customer and receive direct deposits of {$2500.00} or more within 60 days of opening the account. I have had 4 statements now ( about four months since I opened the account ). I called first my local branch and they told me to just be patient, very rude and not helpful. Then about 2 weeks later I called customer service and they first told me I was not eligible and just danced around with excuses for why I would not get the bonus. Then I asked for a manager,  XXXX came on the phone and said YES I was eligible they just had to contact the promotions department. At this point I was over 1 hour into this on the phone waiting and talking to people. She finally came back reassured me that I will be getting the bonus. One week later and still nothing. I called again today, I was on hold again for about 30 minutes and could not even reach anyone. What person can spend this much time trying to get what they were promised? This is obviously FRAUD and they should be investigated, I want them to keep up their end of the offer, I should not have to even call once, this should be automatic, instead I believe they do this on purpose because who can spend hours on the phone hunting them down, most people would give up. I won't however!
Consumer complaint received 2020-07-03
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 had tried months before to remove the security freeze on Equifax.com, but to no avail. I was unable to log in or get a hold of any person. I also mailed in information to their address on their website, but my account remains frozen. On Friday, XX/XX/2020, I tried again to remove a security freeze on Equifax by logging in to the account. Following the directions given by Equifax on the phone, I logged into MyEquifax and was met with the screen displaying this message : We are temporarily unable to complete this request. 
Please try again later. 

I tried to call them at ( XXXX ) XXXX, and was met with a recording, and when I pressed " 0 '' to talk to a person, I received a pre-recorded message telling me I needed to mail in paperwork with information about my identity. I had done that previously a few weeks ago after giving up on all my attempts to contact Equifax through the phone and logging into my account. There seems to be no accountability on Equifax 's part regarding their duties to consumers. I am not able to log into my account, talk to a person, or see any difference by mailing information to them. I want to be able to have control over my credit freezes/information and Equifax is denying them to me. 

What needs to be done is that credit bureaus should give consumers control over their accounts. Make your website accessible to everyone. Have people on the phone on the other side ( especially when you give that option! ). This is akin to a bank not letting me access my personal checking account and should be illegal. If a company is not able to handle sensitive information that belongs to someone else with responsibility, it should be denied the privilege of storing that information, much less having a hand in rating a responsible citizen 's credit.
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (LA)

I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$76.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents verifying this debt have never been provided to me and the main reason for that is, they do not exist, but if they do, as you should know, you have 5 days to provide them to me In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the licensure, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.