davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
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. (NJ)

XXXX  Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also Experian is reporting a fraudulent XXXX credit card and same with XXXX
Consumer complaint received 2022-07-28
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: REGIONS FINANCIAL CORPORATION (NY)

A roofing salesperson ran my credit report ( hard credit check ) through Enerbank without my written consent. Enerbank violated my FCRA rights by allowing a credit report to be pulled without verifying that I provided written consent. 

I complained to the company - who sent me a letter saying that the loan application was cancelled. I never applied for a loan. Enerbank who also used the name XXXX XXXX, pulled a credit report and opened a loan account without my consent. 

As a result, my credit score dropped - which will impact my ability to get credit or favorable pricing on future legitimate applications. 

This practice must be stopped.
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (CA)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 
XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AZ)

Discover sided with a merchant on dispute that clearly had no legs. Initially, I had an autoship with XXXX which was routed to a different card for over six months so this charge no longer appeared on Discover for over six months. Then I reached out to XXXX to cancel that autoship in writing. Instead of cancelling they submitted my initial customer agreement to Discover and started charging me again. I immediately disputed the charge, but Discover in their infinite wisdom decided it was valid even though no product was received by me. The amount in dispute is {$54.00} which I would like to see returned to me ASAP.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (TX)

I am a federally protected consumer and I am fully aware that this company, Avant XXXX, is in violation of my rights. As of XX/XX/2021 I sent out a notice to Avant demanding a cease and desist through any and all mediums as well as consumer reporting agencies, I also enclosed a debt validation pursuant to 15 usc 1692g, Furthermore, I am aware that this company did not adhere to the subchapter or my demands and is therefore in violation of my rights. I am saddened to see that this company is still harming consumers by exercising unfair, and deceptive business practices and I may never do business with Avant XXXX again. Please refer to the attachments to see receipt of the notices, as well as the history of noncompliance.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

This debt is not owed, these charges are fraudulent as what they are trying to charge me for does not apply and I have video evidence to prove it. They tried to say that the carpet was left in a state where it needed to be professionally cleaned and I have a video of an entire walkthrough of the building and its clear the unit was left in extremely good shape, ATLEAST as good as I received it in as I had to make some repairs to fix their shoddy work. 

In addition to these being fraudulent charges in the first place, they also called my work multiple times. 

Here is the link to the video : XXXX XXXX XXXXXXXX
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was notified in XXXX that Capitol One would be taking over my account with XXXX XXXX. I dont like Capitol One. On XX/XX/XXXX XXXX took out their automatic payment of 82 dollars. That left a balance of {$2500.00}. I went to my bank in the XXXX and had them payoff the balance in full. That was sent right out by the XXXX and the account was closed. Everything was on time and in the correct billing cycle. This week I received a bill from Capitol One for {$88.00} due XX/XX/XXXX. I calmed them and they said interest is still accruing and I owe them {$61.00}. I told them I closed the account they said no I could not close the account and even though there are no purchases interest is still accruing and I cant close the account. What?? I owe them nothing. Account was paid in full and closed.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report and proof of my identity. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had fraud on my account on XX/XX/2021. I called Wells Fargo immediately as it was happening. They had me on hold for hours over the course of two days giving explanation to different departments. They gave me a provisional credit of the XXXX dollars that was taken from my account. On XX/XX/XXXX they revoked the provisional credit without explanation, I just noticed on XX/XX/XXXX because I logged into my account. Supposedly they allow for 10 days to appeal, but when I called they said the department was closed. I called back on XX/XX/XXXX and the wait was over one hour. I asked for an explanation and after 30 minutes they said it was because the login to my account was legitimate which it was not and no one knows my login. I asked for an appeal and the refused to accept it. I sighted their Online Security Guarantee policy on their website and the agent refused to acknowledge it. I also sighted the zero liability program and the Payment Service Regulation and the agent actually laughed at me. Please assist me with recovering my stolen money which I reported as it was happening and I have no idea how someone absolutely someone random that I have no idea Who it is got into my account and transferred this money out. Not sure why Wells Fargo allows this.
Consumer complaint received 2021-03-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

CRA : Experian Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX. 

Item : XXXX XXXX Opened XX/XX/XXXX and Closed XX/XX/XXXX. 

On XX/XX/XXXX Called Experian Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it. 

XX/XX/XXXX called " XXXX '' Credit Bureau and verified that they didn't send a Deletion. 

XX/XX/XXXX Called back Experian again and they say they can't add the record back to the credit file. 

Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute via certified mail to TransUnion on XX/XX/2021 which was received by them on XX/XX/2021. I have yet to receive any updates on my dispute and furthermore have been checking my report periodically and none of the items disputed are even in dispute status on my report. It has been almost 2 months and this is the second time I have complained about disputes to TransUnion not being completed. Last time I made a complaint of the same issue and they responded that they would then enter the disputed information which a couple months had already passed since they received it then. Unacceptable and against the law. I will include the attachment of the letter that was sent as well as the tracking information which details it was indeed received by the company.
Consumer complaint received 2021-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have disputed an account on my credit report with Experian. 

They show an account with XXXX XXXX XXXXXXXX on my credit report ( this account does not show up on my XXXX or XXXX credit reports ) that I have never seen in my life. 

I've contacted multiple people at XXXX XXXX XXXXXXXX who have confirmed that there is no record of my social security number or name in their system. The account in question was opened in XXXX, when I was less than XXXX XXXX XXXX. My family has never worked with XXXX XXXX XXXXXXXX either. 

I disputed the issue on XX/XX/XXXX and the dispute was closed XX/XX/XXXX as a valid report. I have called Experian and they have refused to provide any additional information about this account or how I can dispute it further. Nobody I've spoken with at XXXX XXXXXXXX XXXX knows how to assist me further with this issue. 

I spent over 3 hours on hold with various representatives at Experian today who have been rude and disinterested in helping resolve the matter. They tell me the dispute was closed and is considered resolved. Today, XX/XX/XXXX, I spoke with 'XXXX  ' at XXXX EST at Experian and he refused to help me escalate the issue within Experian or connect me with his manager. 

This inaccurate credit report is severely impacting my ability to be approved for a new home mortgage and, if it is approved, is severely impacting the interest rate of this mortgage. 

Experian is abusing their power as a credit bureau and needs to be held accountable for their inability to do the only job they are responsible for.
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc. (TX)

I am a XXXX Senior Citizen and I also suffer from a Severe XXXX XXXX. On XX/XX/XXXX I received a bill from XXXX XXXX XXXX with a due date of XX/XX/XXXX. This bill showed an amount due for lab services performed on XX/XX/XXXX and XX/XX/XXXX. I had no idea what this was for. I attempted to contact them by phone, left numerous messages, and never received any response. I did look at my insurance explanation of benefits and found this was for lab tests, which I get done every 3 months at my physicians office, XXXX XXXX. I have gone to this doctor for at least 6 years and have never had any issues with lab bills. I emailed and spoke with my Doctors office and was instructed not to pay the bills. Apparently the Doctor 's office and XXXX XXXX were in a dispute and also Merchants Collection was harrassing their patients. In the past with other lab companies through this doctors office, I have never paid anything out of my pocket for lab tests. Had I been made aware before I had the tests done that I would owe a balance I would have never had the tests done. I never signed any document and I was completely unaware of these charges. 
On XX/XX/XXXX I received a collection letter from Merchants & Professional Collection Bureau. I disputed the bill. I even called and left a message for the owner of XXXX XXXX to call him to discuss this. No response. Also, my doctors office told me that these bills were filed as Out of Network through Insurance. Their website page clearly states this : If an EOB states that XXXX XXXX XXXX is an Out-of-Network Provider, then they will make all attempts possible to ensure that the patient is only responsible for the amount owed as if XXXX  was an In-Network Provider. 
I have asked this collection agency for proof in writing from all parties of the contract between the doctor and the lab company. They told me the agreement was done by XXXX XXXX XXXX and no contract in writing. I am asking that the CFPB investigate this. I just received another collection letter dated XX/XX/XXXX. I am a nervous wreck about being harassed as I continue to receive letters from this collection agency. They also reported it to all 3 credit reporting agencies and I have been rejected for credit because of this lab bill that I do not owe. Thank you
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS XXXX IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.
Consumer complaint received 2022-06-09
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. (NY)

In fair accordance with the fair credit act XXXX Account # XXXX from XXXX XXXX and also account # XXXX from XXXX XXXX has both 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.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

For the past month, I have been getting at least 10 or more phone calls per day from paypal credit. They are no leaving any voicemail. I have reached out to various | '' agents '' of theirs and telling them i am unable to pay the minimal payment at this time. ( it was XXXX ) I instead paid XXXX. With intention of getting this bill caught up. I've had a family emergency that utilized my extra funding. But with disregard to my requests of not receiving further calls throughout the day and night, they continue to come. PayPal continues to increase minimal due each month, making it that much harder to pay
Consumer complaint received 2022-07-28
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)

Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXX Bankruptcy. Credit Bureau provided response stating information was " verified '' XX/XX/2022.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

In XXXX Citizens One notified me of an escrow surplus of {$7500.00}. 

The first week of XXXX I contacted them to let them know that I had not received the check. They said they would cancel and reissue. 

The third week of XXXX I got a form in the mail from Citizens One indicating that they could not issue a new check without me completing the form. I completed and returned the form to them the next day. 

XX/XX/XXXX I contacted them to let them know that I STILL had not received a check. They told me that everything was okay and they had mailed the check the previous day. 

XX/XX/XXXX I attempted to contact them via phone but they no longer answer their phones -- instead I had to accept an appointment for a callback on the XXXX. 

XX/XX/XXXX I get a call from Citizens One. They tell me they did NOT in fact mail the check in XXXX, and can't tell me when they will.
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (ND)

XX/XX/XXXX {$1300.00} was reported being owed to XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$840.00} was reported being owed to XXXX Virginia XXXX XXXX. 
XX/XX/XXXX {$1800.00} was reported being owed to XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$150.00} was reported being owed to XXXX XXXX XXXX. 
XX/XX/XXXX {$360.00} was reported being owed to XXXX XXXX XXXX. 
XX/XX/XXXX {$430.00} was reported being owed to XXXX XXXX XXXX. 

On XX/XX/XXXX I called Credit Control Corporation XXXX XXXX XXXX, VA XXXX XXXX ) and informed them that I had previously disputed this information via XXXX as this debt does not belong to me, but my dispute was unresolved due to there not being enough supporting information. Once I provided my name, she said " that appears to be a really common name, can I have your date of birth ''? after providing her with my birth date, she says " hmmm, that didn't narrow it down much, lets search by your social security number. '' So it is obvious that there are multiple accounts with the same name and date of birth as mine. I asked them what they needed of me, and was told that the debt is obviously mine, and I must have just moved from XXXX XXXX, where they sent my bills. I then informed the woman I was speaking with that I have never even lived on a XXXX XXXX She asked me for my current address and said she would be happy to send all the bills to me, but that is all. 

In XXXX, I encountered Identity theft. My debit card was " skimmed '' according to the police department, since I still had physical possession of it. Then, when tax time came around, I received a bill from the XXXX with my name on it in addition to a " XXXX XXXX '' whom I have never even heard of before. I filed an ID Theft report with them, and they fixed that for me as well. Now, I am having all of these medical bills show up in my collections history for XXXX 's offices that I have never even been to. I have asked multiple times for them to send me proper correspondence showing that it was " actually me '' that obtained these services rendered, and to no surprise none of that is produced for me. I am trying to purchase my first home, and my banker said even though these accounts are showing " closed '' there are still balances behind them, which is preventing me from obtaining my XXXX loan. She suggested reaching out to whomever I can to figure it out.