davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc. (NH)

XXXX at Meridian Financial Services , inc has been told on more than one occasion, that I am available to talk on Fridays. Yet they still call everyday some times more than once. The started right of at XXXX something XXXX  this morning. I have tried block the number no good. 
I have also explained the pandemic hit while I was taking care of 7 people one income. 
This is a very disgusting way to treat people. I do believe it will be a few months and all will hopefully be settled. The daily needs to stop and Fridays need to be respected. Harrassment is unexpected. Respect goes a long way.
Consumer complaint received 2022-06-29
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Sequium Asset Solutions, LLC (NJ)

After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Consumer complaint received 2020-09-20
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. (GA)

I was unsuccessful uploading supporting docs to the existing dispute as told to do by email. I was advised by Experian rep XX/XX/XXXX to start another dispute over the phone & to up load the docs to Experian/upload and the alleged bankruptcy would be deleted. I uploaded docs showing deletions from other 2 bureaus and other docs & proof my lexisnexus file is frozen in  which they stated they verified the info. XX/XX/XXXX received 2 more emails stating Experian opened more disputes, I spoke to a rep who was rude and gave conflicting info, stated you can't attached docs to bankruptcy. was transferred to supervisor who stated they shouldn't have opened so many disputes in error. I am being told incorrect and conflicting information on getting incorrect incomplete information off my record. This is a violation of my FCRS rights needs to be deleted immediately.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (GA)

Medical bill was placed in collection on XXXX XXXX with Choice Recovery Inc. In the amount of {$500.00}. Both accounts has been paid in full and I was told would be removed from collection. 
Transaction IDXXXX.
Consumer complaint received 2020-09-03
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: Experian Information Solutions Inc. (CA)

Past case : XXXX Auto lease with XXXX  inaccuracies in reporting several lasts payments between XX/XX/XXXX and XX/XX/XXXX. 
I have filed several complaints with XXXX, this is the 4th complaint. 

All three major credit reporting agencies are reporting late payments and negative information. 

XXXX needs to update XXXX, Experian, XXXX XXXX and all others that have inaccuracies due to their mistakes. 

XXXX has admitted to this negative data being a mistake yet time after time they have failed to fix it. 

XXXX continually closes case without contact with me. They dont follow through as they indicate they will upon a first call. 

Again- I am asking for all three major credit bureaus be informed of the mistake and the negative data removed. 

The first 3 complaints to XXXX via this method resulted in three different responses and promises to fix yet nothing has been done in over one year. 

XXXX  is being asked by me to NOT CLOSE this case until contacting me to explain the problems they are having. Im expecting them to perform by removing damaging and problematic False data from said reports.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Past case : XXXX Auto lease with XXXX  inaccuracies in reporting several lasts payments between XX/XX/XXXX and XX/XX/XXXX. 
I have filed several complaints with XXXX, this is the XXXX complaint. 

All three major credit reporting agencies are reporting late payments and negative information. 

XXXX needs to update XXXX, XXXX, Trans Union and all others that have inaccuracies due to their mistakes. 

XXXX has admitted to this negative data being a mistake yet time after time they have failed to fix it. 

XXXX continually closes case without contact with me. They dont follow through as they indicate they will upon a first call. 

Again- I am asking for all three major credit bureaus be informed of the mistake and the negative data removed. 

The first 3 complaints to XXXX via this method resulted in three different responses and promises to fix yet nothing has been done in over one year. 

XXXX is being asked by me to NOT CLOSE this case until contacting me to explain the problems they are having. Im expecting them to perform by removing damaging and problematic False data from said reports.
Consumer complaint received 2020-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

At some point in either late XXXX or early XXXX, XXXX charges were made on my Visa card. I notified Capital One and they removed the charges, froze my account, and sent me a new card. Within 2 or 3 weeks, I was notified by the same vendor, XXXX   that I had a new purchase on my card. I contacted Capital One again and they did the same. I am asking to have this company blocked from my account, but they do not do that. I froze my account and have been using their service to scramble the account number and the 3-digit code used to buy online products. I received another notice from XXXX today and they had just credited my account for the last charge. This was with the scrambled number and after I froze my account, which I was assured by Capital One would stop ALL charges from going through. I am lost as to what to do with this situation. I do not want to close my account with Capital One, but would love some help with stopping XXXX  from making these fraudulent charges. I do not now, nor have I ever, done business with such a company. I am very careful online and live carefully. None of my other accounts have had this issue. I would love to know how to stop XXXX. They are not available for phone, email or any other contact to me. I am XXXX years old and do not know where else to turn.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This week, I received a letter from Capital One dated XX/XX/XXXX informing me that my credit limit was being reduced " to better fit my card usage, '' meaning that I'm not using my card enough not spending enough money. Reducing my limit caused my credit score to drop immediately and without warning, a situation I would like to avoid during such uncertain financial times. 

I opened my Capital One account in XXXX and have never made a late payment. I pay my balance in full. As a loyal and conscientious customer for close to 20 years, I called today ( XX/XX/XXXX ) to request that my original limit be reinstated. XXXX, the customer service person I spoke to, was not authorized to make the adjustment and I requested to be forwarded to a supervisor, XXXX. She also was unable to reinstate my original limit. I realize that declining my request is within the legal rights of the company. I also realize that credit card companies value customers who make frequent charges and don't pay their balance in full, a lucrative combination. 

What I find unacceptable is that the company offers no further opportunity for any communication or arbitration on the matter. XXXX can escalate my complaint to " Tier  2, '' but she admitted that there is no chance that the escalation will result in any contact whatsoever from any representative of the company. She reluctantly and very politely conceded that no-one will ever call me back, respond to any written request, or consider any other circumstances. There is no reconsideration, appeal process, or opportunity to communicate further. There is not a single person I can speak to to address what I believe is unfair treatment, taking advantage of longstanding customers who are in need of financial security during this time of financial upheaval due to Covid. Capital One 's " mission to change banking for good by offering great products, services, and rewards to our customers '' is simply not true. A customer with a concern isn't permitted to even speak or write to a person in leadership willing to respond.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had automatic {$1600.00} withdrawals from my bank account for my Bank of America mortgage since inception. Bank of America unilaterally ( supposedly ) shut-off automatic withdrawals effective with the XX/XX/XXXX Mortgage billing statement. All prior statements clearly stated, Scheduled payments ( PayPlan/12 ) - Your next payment of {$1600.00} is posting on XXXX. The XX/XX/XXXX statement ( and all earlier statements XXXX had this note, but the XX/XX/XXXX statement did not. It only stated that I must pay my mortgage before XX/XX/XXXX. <copies attached>. Further, when I went online on XX/XX/XXXX to verify the automatic withdrawal, the online status indicated automatic withdrawals were not active. 

On XX/XX/XXXX I paid my invoice which was due on XX/XX/XXXX. Then Bank of America made an automatic withdrawal on XX/XX/XXXX. To make matters worse, the 2nd payment unlawfully withdrawn by Bank of America, was not applied 100 % to Principal.
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

My bank notified me of a major derogatory activity on my credit on XX/XX/2021, that's how I realized that there was a company charging a debt against me ( I.C. System, INC. ) I called them and they said that said I owed {$120.00} for a procedure done at the XXXX XXXX XXXX XXXX in XXXX in XX/XX/2021. 
I called the XXXX and they apologized saying that this bill was paid by my wife on XX/XX/2021 and that they advised the debt collection company IC System that this bill was already paid but this company, IC System did not withdraw the billing and reported to the credit bureau that I still owed this account, irresponsibly damaging my credit. 
I called I.C. System asking for an explanation for continuing to have it on their system as a debtor. An IC employee told me over the phone that there was a duplication of my case and that the system was improperly charging the same debit from XXXX. They did not offer me any resolution regarding the wrongful collection and the recovery of the points lost in my credit due to neglect of the company.
Consumer complaint received 2022-06-27
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: SYNCHRONY FINANCIAL (OH)

my son took his dog to the vet but i filled out the paper work cause he has trouble understanding things, they wanted to know if i wanted to fill our a credit card and i did but DID NOT TOLD THEM TO USE IT, its not my dog if it was my dog i would have paid cash, the next day i did not know it he went and picked up his dog, they told him he had to sign a papper to let her go he was not told he was signing for the card to be charged HE DID NOT HAVE MY PERMISSION or they did not call me to ok it, he did not know what he signed and they had no permission to charge it!!!! i never got a bill only found about it when i cheched my credit this only the thing on my file i always pay my bills before there due the card is syncb/care credit i have tried to talk to them but dont listen
Consumer complaint received 2020-09-03
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. (MD)

I recently reached out to XXXX XXXX  mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law XXXX must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ).

Section 605B
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (TN)

On XX/XX/2023 received a letter from a company that I owe them money, but yet to send any type of supporting documentation that the alleged debt belongs to me. The company has violated my consumer right to privacy as well as a few other consumer laws as well. I want this account removed from my consumer report immediately.
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This complain pertains to a Capital One Venture MasterCard. 

On XX/XX/XXXX my husband and I realized that one of our credit cards was missing. We also found 6 charges on our account that we did not make, to stores we do not frequent. We immediately called to report the card lost/stolen and to dispute the charges. On XX/XX/XXXX, the charges were credited back to our account. 

The next month we saw that the charges were had been added BACK to our account on XX/XX/XXXX, and we found two letters when we searched through menus in the app ( we had received no other notification ) with the same date. One explained that the case had been closed and we weren't responsible for the charges. The other said the opposite, that no evidence of fraud was found and we would be responsible. 

I called to speak with a manager and was told that there was no evidence of fraud because " the card was in the cardholder 's possession '' according to the notes made by the person who took the claim. We explained that this was not true - we had reported it lost/stolen. 

I asked what to do to re-open the case and dispute the process and was told it would be looked into, but the manager would not provide any documentation of our conversation or dispute, tell me what time frame it would be addressed in, or explain why the charges could not be removed while the case was ongoing. I was told there was no one else to speak to or nothing else we could do to file a complaint or document the status of this case.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (KS)

Experian is not correctly reporting my score right they don't even show me the score I was approved and got credit they lowered my score and I have on time payments and I pay extra all the time which is more than good and they keep on lowing my score and how I know this I have a nother service that tells me my score and I have other credit lines everyone of my accounts payed early.experian is ruining my credit and life please help
Consumer complaint received 2020-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear sir or Madam : I authorized to send {$550.00} to XXXX XXXX on XX/XX/2020. The transaction was done on XXXX and I used her phone number which is XXXX. XXXX XXXX, the owner of the phone number, received a phone call from XXXX notifying her of a coming transaction. I assumed that she will receive the money and was too busy to follow-up. Somehow, she did not receive the money and I checked XXXX transaction summary which showed that the money was sent to XXXX XXXX who I do not know and do not have any personal or financial relationship with. I had to send XXXX XXXX money again later. 
I have been trying to get money back from this XXXX XXXX. As I did not have any contact info available initially, I tried to send XXXX cent to the person directly with a note requesting him to return money to me. His email later became available on XXXX which is XXXX. I never got a response from that person. I sent multiple requests through XXXX requesting money back, he did not respond. 
I submitted a claim to XXXX for help, I was told that I authorized to send money to a phone number somehow connect with a person not the number 's current owner, they can not help me with that situation. XXXX asked me to contact my bank to pull money directly from XXXX XXXX 's bank. 

I then submitted a claim to my bank which is Bank of America, I was told that I made a mistake sending money to a phone number, they can not help me and I was asked to contact XXXX XXXX to get the money back. 

So far, I have not received any response or money back from XXXX XXXX. 
I did not double check while I send money to XXXX and assumed that the money will be sent to the phone number 's current owner which is XXXX XXXX. XXXX sent it to someone else without checking with me and blamed me for authorizing the transaction to XXXX XXXX. While I sent the money, the XXXX system only showed that it was sent to the phone number, however, in the transaction summary showed up once the transaction is completed, the phone number has disappeared and I can only see XXXX XXXX 's name on the summary. I believe XXXX system is greatly flawed. I should not be the person to suffer from the lost. 

Please help me with this situation! 

Your help will be greatly appreciated!
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Melar Investments, LLC (NV)

I am writing this letter in because I received a lawsuit in the mail from Law Office of XXXX XXXX XXXX about a debt reported by Kino Financial in the amount of {$2600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and a copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

IN XXXX OF XXXX, I STARTED RECEIVING CALLS FROM A DEBT COLLECTOR CALLED THE OFFICES OF CREDIT MANAGEMENT , LP. THEY ADVISED THAT I OWED A DEBT XXXX {$140.00} FROM XXXX XXXX XXXX. I HAVE NOT HAD XXXX XXXX XXXX  IN ABOUT 4 YEARS. THEY ADVISED THIS WAS A DEBT FROM XX/XX/XXXX. FIRST, I KNOW FOR A FACT THAT THIS INFORMATION IS INCORRECT SO I DISPUTED IT WITH THE DEBT COLLECTOR. SECOND, XXXX XXXX NEVER ONCE IN 4 YEARS, AFTER CANCELLATION, ATTEMPTED TO CONTACT ME AND I HAVE LIVED AT THIS SAME ADDRESS. I ALLEGE THIS IS AN UNFAIR BUSINESS PRACTICE THAT XXXX XXXX PURPOSEFULLY DID NOT NOTIFY ME UNTIL 4 YEARS LATER IN AN ATTEMPT TO MAKE IT MORE DIFFICULT FOR ME TO VERIFY THE DEBT. I KNOW IT'S A SMALL AMOUNT, SO TO WHAT END, I DO NOT KNOW.