davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NC)

This is money owed. {$1100.00} to a collections agency called radius global solutions. It was originally for a cell phone and a monthly service plan through XXXX XXXX months into the contract. They did not honor what they quoted me. I would be paying monthly so I told them I was not going to continue service and I wouldn't be returning their phone. They would not let me return the phone because I had it in my possession longer than XXXX days. That's not right. It's over with and done now but I should not have to pay that money when I tried to return the phone multiple times
Consumer complaint received 2023-02-27
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. (MD)

I just received a recent credit report and it states that the my account is pays account as agreed, paid or paying as agreed, or current account/was delinquent 60 days past due date. My account is current with XXXX and that should make my credit report back to being positive in not negative. Everyone is remarking with the above statements but not showing the same thing on the report. This is not giving me an accurate credit score.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I used XXXX to access my annual XXXX XXXX. As I attempted to access my Transunion Credit Report, I encountered an error. While I was answering the required questions, it appeared that the Credit Report began to download. At that moment the webpage closed. When I attempted to re-download my Credit Report by re-entering the XXXX information, I received the following message from XXXX : " We are unable to complete your request. 
What happened : Our records show that TransUnion has provided you with the Personal Credit Report XXXX XXXX XXXX you were eligible to receive free of charge within the past 12 month period. ".
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

They are allowing portfolio recovery to report late payments monthly on a debt I do not owe them. I have never done business with them nor agreed to payments. This is also unlawfully extending statute of limitations on original debt that was never verified or validated. 

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Because Equifax did not use good security measures my credit information, along with millions of others, was compromised not just once but evidently multiple times over a period of years. Following the government settlement with Equifax I did have my credit information frozen and was provided a pin number and told that it would be a simple matter to unfreeze my credit as needed. That is not the case. In XXXX I needed to unfreeze my credit to lease a new auto. I tried using the website and it did not work properly, just so you know I worked for XXXX for over 33 years, so it's not because I am unable to use a computer or navigate software. When I called the 800 number it was answered by someone who barely spoke XXXX, was very polite, but could not help me. They kept asking me nebulous questions even after I had answered a number of questions that should have proven I was who I said I was. I was uncomfortable with providing the level of information they were asking me for to someone who was obviously outside the laws and protections of the United States. After several hours on the phone I finally got transferred to someone in the XXXX XXXX call center and they were able to help me. 

Today I called to unfreeze my credit, again, because we are in the process of selling our home and purchasing a new one. This time the Equifax website was down altogether, I made multiple attempts to try and get to it using a variety of paths, and all I got was a screen that said " oops, '' like they had bumped me in a hallway, not screwed up my life with all of their stupidity and incompetence. When I called the 800 number I was put through the same process and ended up with the people in XXXX XXXX, again, but this time they are telling me they need me to FAX a copy of my driver 's license and my social security card to them, that is a really bad idea and it's that kind of stupidity that allowed out personal information to be stolen in the first place. 

There are some corporations that are so bad, so poorly run, such a drag on society that they need to be shut down. Equifax is one of those companies. I am sure they have screwed up the lives of millions of honest, hard working citizens.
Consumer complaint received 2020-01-24
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. (TX)

called Trans Union on XX/XX/20 ( spoke to XXXX and then XXXX ; he wanted a police report ) ... to have multiple inquiries removed from my credit report. They advised that they could not do so and my inquires that were removed and re-added were apart of the recent data breach. They did nothing to assist me. I have also mailed in several letters in the past to resolved this issue.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2020-01-23
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One had a breach last year as part of its using web and security services hosted by XXXX. They haven't learned anything from this breach! On XX/XX/2020 I placed an order on XXXX using my husband 's account, which has my credit card as one of the cards attached. As I was checking out, XXXX suggested I use my {$23.00} in available rewards to make my purchase. This means that XXXX has access to see my Capital One credit card account. This access is an invasion of my privacy and Capital One is allowing it to happen! If XXXX can have access to my credit card information, they may also have access to my checking, savings and credit report that Capital One has. This is very disturbing and shows that Capital One is very lax on security. XXXX will take everything it has access to and they need to be regulated. 
Thank you for any help and regulation you can put forth regarding this matter.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

I have a series of small transaction from XXXX from the beginning of XXXX. I didn't notice them because I hardly ever use my chase saving account. However, during XXXX and XXXX this year I was suddenly charged thousands of dollars, that's when I started to realize that someone has stolen money from my account. 

The two largest unauthorized transactions happened on XX/XX/XXXX and XX/XX/XXXX, with amount of {$5300.00} and {$1700.00}. The total amount of those unauthorized transactions is more than {$10000.00}. 

I tried to contact chase multiple times since XXXX, but they said they have " sixty days liability '' and refuse to refund my money. They asked me to contact XXXX and XXXX for refund.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Debt validation and verification letter confirming details of debt, Legal ownership of debt including original contract and all payments. 
If this can not be provided in 30 days, you are to cease and desist all communication ( written and verbal ), you are to remove unlawful reported collection from all 3 credit agencies or I will continue with litigation pursuant to US federal codes 15 USC 1692 ( c ). Furthermore, continuing to report this to the 3 credit agencies is a violation of my cease and desist. Failure to comply moth the cease and desist is also a violation of the FDCPA and will result in further legal action. You are to remove this unlawful reporting form all 3 credit agencies or you force legal action for every phone call, every letter and every single month you have unlawfully reported and each count for each credit agency
Consumer complaint received 2020-01-23
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. (TX)

Items on credit report older than 7 years since date open have not been removed. Instead these items have been " updated. '' this is true for all the credit reporting agencies. They have " removal '' dates for several accounts but not sure if they comply with the fair credit reporting act. Some other disputed items do not have " removal '' dates listed.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/2023 there were 32 unauthorized transactions made on my account totalling {$1600.00}. To date 2 of the unauthorized transactions have been approved and refunded totalling {$40.00}. However the other 30 transactions which occurred at the same time as the others have all been rejected. The merchant was also immediately contacted about the unauthorized transactions. Conveniently Chime has declined resolving my dispute the day prior to when they stated the temporary money would be placed back into my account until completely resolved. Chime as well as the merchant were both notified immediately of the unauthorized transactions and as stated 2 have been approved and resolved as they should have been. All transactions happened at the same time however now they are saying that only 2 were wrong. ALL 32 TRANSACTIONS WERE UNAUTHORIZED AND SHOULD HAVE BEEN RRFUNDED.
Consumer complaint received 2020-01-23
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: Westcreek Financial (FL)

I opened an account with West Creek Financial in the late part of 2019. Recently in the past XXXX months I have been out of work due to medical reasons. I have not been receiving any pay checks. As soon as I knew I was going to be out of work I spoke to one of the representatives at West Creek Financial and told him my situation and they told me not to worry and to let them know when I started working again so that I could start making payments again. most places that allow you to take out a loan there is a payment protection plan that protects you and your credit from bad remarks such as late payments and miss payments when youre out of work. I expressed that I was willing to make partial payments but they told me they did not allow partial payments and that they only excepted payments in full. They threatened me and told me they will send my account to collections if I did not pay them in full after I had clearly told them I was not working at the time. Today on XX/XX/XXXX I had to borrow money from my family to pay my past due balance of {$480.00}. I am extremely disappointed with the poor customer service and the lack of empathy that they show their customers during trying times. I was not asking to hold my payments until I started work again I just needed to be able to make partial payments but they threatened to send my account to collections.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IN)

Back in XXXX  I had cell phone service through sprint and later terminated that service as well. Per the agreement between XXXX  and I I was sent a box to return the phones and promptly did just that. I followed this process through until I got a bill in the mail in the amount of {$1000.00} and I couldnt believe my eyes. I called and asked what was going on, and not only do I have witnesses to this, but XXXX told me that they did receive the devices at the warehouse and then they were lost. 

I asked them to drop the charges, I got transferred to the billing department and was told that since they didnt receive them all the way through that I would be responsible for the balance on the phones even though they admitted to receiving and losing them.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year>, I got a text about fraud on my phone. I replied N and immediately received a phone call from a XXXX XXXX claiming to be USAA. 
They asked me a bunch of questions to verify and told me delete the card from my XXXX XXXX. 
I then received a follow up call 15 min later and they asked me to click Y to a XXXX charge to make sure the alerts were working. 
On XX/XX/XXXX, I called USAA because my bank account was emptied and quickly realized that the people who called me were the people who committed the fraud. 
I then spent 4 hours on the phone with the agent listing the 61 transactions totaling {$4900.00} ( all in XXXX and XXXX Arizona were I havent been in XXXX yrs ). 
I was given some provisional credits but on XX/XX/XXXX the bulk of them were reversed out of my account. 
I called USAA again and was told that their were no notes put in about the fraud people calling me. I said I wanted ( per their letter ) the backup for how they came to that determination. She told me she would have hand enter in the requests and I was kept in the phone for 4 hours while she entered in the request for backup information. 
On XX/XX/XXXX, I was resent the same letters I was sent before. No information- just copies of the transactions with deemed not fraudulent. 
So I called USAA again on the XXXX, I was told by this rep that I should have been routed Financial Crimes Unit. I finally talked to someone there who said I shouldnt be responsible for charges. That she would resubmit them and if I didnt see it fixed in 10 business days to call back. 
On XX/XX/XXXX, I called back because more money was reversed out of my account not added. I spent 45 minutes getting bounced from one department to another. Spoke to XXXX, XXXX, XXXX, and XXXX for 45 minutes repeating my story. 
I finally got to someone who said they would ask disputes to reexamine my cases and spent another 4 hours on the phone with them. She also said if I had anything I could upload showing I wasnt in Arizona on those dates - that would be helpful but gave me no indication of what would be valid proof ( so I sent some in store purchase receipts ). 

As of today, out of the {$4900.00} in fraud, {$3200.00} was deposited and then reversed because it was deemed not fraudulent, {$1000.00} was provisionally deposited but is still pending ( meaning they can take it out at any time ), and {$630.00} was approved as fraudulent. 

A majority of these purchases were made at two vendors XXXX and XXXX ( about 90 % ).
Consumer complaint received 2020-01-23
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: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX and XX/XX/XXXX, there were inquiries done by Reliable Financial Services , Inc. using my information, for a car loan. I did not authorize these inquiries and don't even live where these inquiries were made ( I live in New York, inquiries were made in Puerto Rico ). 

XX/XX/XXXX, there was an inquiry done by XXXX XXXX in XXXX XXXX, Puerto Rico,  using my information, for a car loan. I did not authorize this inquiry and don't even live where this inquiry was made ( I live in New York, inquiry was made in Puerto Rico ).

I have communicated with both entities and they have suggested that I file a complain with the CFPB. They say the inquiries do not appear in their records, but it does appear in my credit history.
Consumer complaint received 2023-02-27
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-02-27
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.