davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (FL)

XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit drivetime/Bridgecrest is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act.

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and Experian reps are no not giving me any names numbers or anything. this company is rude and hols your personal information XXXX when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CT)

Prior to a doctor 's visit I contacted the doctors office to question if I would be charged for anything or would it be covered under my insurance. I was advised I would not be billed as it was fully covered by my insurance. After I received a bill I contact the office numerous times where they stated I consented to the charge and after 3 requests I was still not provided any documents where I consented. They have now filed for a collection under my credit report. I have contact Experian and on a three way call to the collection agency I was still not provided any proof of debt that I consented to. They continue to lien my credit and I have requested a supervisor from Experian within the US 3 times. I still have not received a call back. I simply want proof I consented to the charge.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

FOR THE PAST 6 MONTHS IVE BEEN TRYING TO SHUT DOWN MY MACYS STORE CARD EVERY PAYMENT I MADE FOR MONTHS KEEPS GETTING REVERSED MY CREDIT SCORE HAS DROPPED FROM XXXX TO UNDER XXXX BECAUSE OF THIS ISSUE THEY REPORTED THE ACCOUNT LATE EVEN THOUGH IVE PAID IVE SPEND WEEKS ON THE PHONE TRYING TO RESOLVE THIS MATTER I ASKED FOR MY ACCOUNT TO BE SHUT DOWN 5 TIMES ITS STILL OPEN THIS ACCOUNT HAS RUINED MY CREDIT I TRIED TO GT THIS REMOVED MACYS CLAIMED TO THE CREDIT BUREAU THAT THIS IS ALL MY FAULT AND I MISSED PAYMENTS EVEN THOUGH I SHUT THE ACCOUNT AND MADE THE PAYMENTS. 

P.S EVERY TIME I CALL I AM PLACED ON HOLD FOR HOURS THEN THEY HAG UP THAT THEY KNOW WHAT THEY DID WAS WRONG AND HAVE NO INTREST IN FIXING THIS MATTER
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a checking account with Huntington Bank. I also had a Huntington credit card. The card was set to autopay the minimum amount. In XX/XX/2019, instead of the minimum amount, the card auto-paid the full statement balance ( about {$300.00} ) out of my checking account, which left my account overdrawn. The card then put a cash advance into my checking account for to bring the account back to XXXX  ( to avoid the {$30.00} overdraft fee ). I called Huntington 's  customer service and they confirmed that this was an error. At that time, I asked for the card to be unlinked from my checking account so that it would no longer cover overdraft fees with cash advances. The CS agent reversed the incorrect payment, but it took 3-5 business days for the money to get back into my account. During this time, another cash advance was posted from the credit card to my account ( again, to bring the balance to XXXX  because of the money that was incorrectly taken from my checking account ). 

The same thing happened in XXXX, but now the credit card balance was around {$750.00} due to the cash advances. Although I had cancelled the auto-pay, the card auto-paid itself the entire {$750.00} balance out of my checking account, again leaving me overdrawn, and then proceeded to add more cash advances from the card to bring my checking account back to XXXX  while I waited 5 business days for my money to be returned to my checking account. 

I called customer service a number of times and was told that I " spent '' the money that was added to my checking account, so the credit card charges were valid. I did not. The cash advances brought my account out of a negative balance. 

I spoke with a representative in a bank branch who confirmed that the cash advances should not have been posted from the credit card to my checking account. 

When I finally managed to reach a manager at Huntington customer service, he was extremely unhelpful and insisted that I owe the money that was incorrectly posted to the account from the credit card. He refused to give me his name, and when I asked if I could access recordings of my customer service phone calls, he told me that " calls with managers don't need to be recorded. '' I did record our conversation myself, which I informed him. 

To date, there is no resolution on this. My actual balance on the credit card should be around {$300.00} and is currently {$1400.00}. 

Note that the date on the checking account statement attached is XX/XX/2019. At this point, I had requested several times that my credit card be unlinked from my checking account, but this change had not occurred.
Consumer complaint received 2022-06-03
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. (IL)

I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Balance {$130.00} XXXX, XXXX XXXX XXXX Balance {$270.00} # XXXX, XXXX, Balance {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company XXXX I attached a copy of credit report as well. i could not attach on the next page Pleease romove tise Inquiry : XXXX XXXX  ServiDate of Inquiry : XXXX Contact : XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX IncDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact :
Consumer complaint received 2019-11-19
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: TD BANK US HOLDING COMPANY (NC)

On XX/XX/2019 an inquiry from TD Retail Card Services appeared on my credit report. This inquiry was a result of fraud. It was disputed and removed from my credit report on XX/XX/2019. Later that week, TD Retail Card Services was reporting a TD XXXX XXXX credit account on my credit report. This account was then disputed and now is being reported as valid by XXXX. XXXX and XXXX have resolved the account and removed it. XXXX  will not properly assist. If the inquiry was disputed as fraud and removed, what makes you think the account is valid? Please assist.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NY)

Every Tuesday since the Covid 19 pandemic, I have received my unemployment benefits from NYS and the addition {$600.00} from the government on my American Express Bluebird card. I woke up this morning XX/XX/2020 with an email with my DOL direct deposit but not my federal deposit. So I used the app to check my balance, it said i was locked out. So i called the number on the back of the card and it told me that my account had been permanent suspended due to a violation and then the phone automatically disconnected. 

I called American Express directly and after being on hold for over an hour I was finally connected to a bluebird rep that told me that my account was permanently suspended because I received a direct deposit that wasnt in my name. Not only have I been getting my unemployment for over a month in this account, my payroll was deposited into this account as well. All in the same name. The rep told me that there is nothing she can do, she was emailing the back office telling them I verified that was me and that it pretty much was in their hands to decide to reinstate my account..she also stated I wouldnt be getting my money..which was almost XXXX XXXX dollars.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 XXXX
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (AZ)

I tried to consolidate through XXXX XXXX  XXXX on XX/XX/2019. They stated that they were connected with the federal government. I asked many questions, but the one question that I asked the most and every time I called was if there were any charge associated with the consolidation. Every time their answer was that they were part of the government and there is never any charges and that any fees will be applied to my current loan. They clearly stated that the {$230.00} that I paid in XXXX, XXXX, & XX/XX/2019 would be applied as a payment toward my current loan. They even told me not to pay anything toward my student loan because that amount of {$690.00} would be applied to the loan once the consolidation was done. When the consolidation was in the final stages, I called great lakes to see why the {$690.00} had not been forwarded to my XXXX XXXX. They told me to wait about 10 more days and it would be sent to XXXX XXXX. After the 10 days I called back because it had not been applied, by this time everything was finalized, this is when great lakes told me that the charge of {$690.00} would not be applied to my current loan and they were keeping it. It is very disheartening that people are so dishonest, especially here in America.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

I check my credit at least twice a week I pay off all of my debts. I recently checked my credit and found multiple medical bills that I didn't recognize. I have not previously received written notification or any other notification about the debt. The only reason I contacted and paid this debt in full that showed up on my credit report is because, I am making a purchase that these derogatory comments will reflect negatively on me. I feel like I am being strong arm by the XXXX for something I am not sure I should be paying, but I have no choice but to pay in order to purchase a place to live. Thank you any help you can provide would be helpful.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : XXXX XXXX XXXX XXXX # XXXX****, XXXX   XXXX  XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX   XXXX XXXX XXXX XXXX**** , XXXX  XXXX XXXX # XXXX**** , XXXX # XXXX****, XXXX XXXX XXXX****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (IL)

For the past 14 months prior to XX/XX/2019, I consistently paid my Ally auto insurance on time to increase my credit score, usually paying more than the monthly amount. In XX/XX/2019 I thought that my payment had already been made. I didn't realize that the payment didn't go through until I noticed a 30 late mark on my credit score. The balance owed wasn't a full month due to the previous months over payment covering a portion of what was owed for the month. This was exactly 3 days after the 30 day mark. I immediately called Ally and made a payment of {$1000.00} immediately which is over 2 months worth of payments, I also filed a reconsideration request for the 30 day late mark in hopes they would remove this in good faith. In my reconsideration I offered to pay a fee to have this removed or even pay the entire balance off incase this was an incentive to have this removed from my credit. After over a month and several calls with various customer service reps I was finally denied by a customer service rep and still have never been allowed to speak with anyone that makes the decision in this entire process. I was not late due to lack of funds which I can prove with bank statements, it was a simple mistake that I need reviewed as the drop in my score has now made me ineligible to secure a home loan. This lender is notorious for ignoring consumer requests like this and reading on numerous consumer reports, they typically ignore requests unless letters are sent directly to the CEO.
Consumer complaint received 2020-10-25
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: Phoenix Financial Services LLC (CA)

I received a call form Pheonix Financial Services in regards to an account that I had not knowledge of. I explained that it must have been a mistake and to send me and documents they had about the matter. Eventually I got a statement in the mail and that was it. I've sent letters certified mail and my requests have not been adhered to and ignored. They have now reported this to the credit bureaus which has caused my credit score to drop significantly.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation (MO)

Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC.

This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt.

You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me.

Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.
Consumer complaint received 2019-11-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im looking for an apartment currently. Credit is a big deal with this. TransUnion has my credit score almost 40 points below the other two credit bureaus of XXXX and XXXX  and they are always the worst about accurately reporting and updating information without constantly calling Them and having Transunion help me and then telling people the same story and giving evidence and info over and over only to have the transunion service people reply without even hearing or understanding and have such non -English speaking customer service people answering phones they are reading out of book from overseas and have not helped me repeatedly fix their mistakes that negatively impact my life. What about a class action against this company for harm they cause reporting wrong things? This should be illegal. It wasnt my fault that there are so many mistakes on my transunion records and when they check with Snail slow speed no matter how many disputes they say they check and update none have been corrected but XXXX  fixes it and XXXX  too. Transunion has old student loans from grad school Shown on my report still like I didnt pay them today and I have not touched them in fifteen years and the the info they have about anther debt isnt even me but a relative in the hospital and its not me. I provided to transunion who my relative was and the info and They had the paperwork, they still have not corrected it although i think it got sent weeks ago. XXXX  and XXXX  fixes the problems but not Transunion. For me, for two more weeks they still haven'tj corrected errors. Why do consumers have to put up with transunion and why does any one out there go ahead and just ban them or find out why they are so less accurate then the other credit bureaus? how to stop transunion hurting peoples chances for a better life and less expensive decisions They need to be shut down. Shut down Transunion
Consumer complaint received 2022-06-03
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  ACCOUNT # 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 Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4