davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assurance Professionals LLC (TX)

I contacted Revenue Assurance Professional via phone to resolve the matter of the debt, I asked the agent could they take a settlement amount that was less the amount I owed and she stated that their client dont settle they only accept the full amount or either partial payments or monthly installments until amount is settled in full. I specifically told the agent that I can NOT make any arrangements or commit to anything and I would contact them at another time. Nevertheless, I recieved a letter in the mail stating that I made a promise to pay XXXX on XX/XX/2018. That is false information Ive never agreed to pay any amount to them, they are providing false information and violating my rights as a consumer
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in XX/XX/XXXX. I paid my minimum due on my card at the time I was on XXXX and my money didn't hit the bank on time so therefore my check was returned twice. Capitol one then closed my account. I called spoke to an account specialist on XX/XX/XXXX. She advised me that if I made 3 consecutive payments on time they would reopen the account. Since then I have made more then enough payments on time. And will be paying off the account on XX/XX/XXXX. I have been calling to get my account re opened for close to a year now and yesterday XX/XX/XXXX and spoke to another account manager to see why they had not reopened my account his name was XXXX  ID # XXXX and he stated he doesn't know why the account manager would tell me that there are no notes stating that. I informed him if they monitor calls please play that call back and you will know that as a consumer I was right. He stated sorry he could not honor that. How sad that this company doesn't stand true to their word.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I have just successfully started credit freezes with XXXX and XXXX, but I have had problems trying to initiate a freeze with Experian. I first tried to do so at Experian 's online freeze center, but after entering relevant info, including SSN and other details, I was told that my account could not be established. Some of the questions that came up along the way seemed irrelevant to my credit history. I then tried their phone, based on info at their website : XXXX. I talked to someone and repeated the relevant info, and that person kept asking me questions, some of which seemed irrelevant to my credit history. After roughly half an hour, I had to terminate the call without resolution. I have since tried to recontact Experian. When I go to their website https : //www.experian.com/help/ and click on the options for a freeze, I repeatedly am directed to a screen that fails to load : https : //www.experian.com/ncaconline/freeze This has been the case for the past 24 hours. I also have gone back to the same phone on which I had talked to an Experian agent ( the number above ), but when I do so I am first asked for my SSN, and when I enter it, I am given an option to get my credit score but it has so far been impossible for me to speak to an agent there. I am therefore locked out from online help and from phone help, and their info provides no other ways to contact them.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

I'm not aware of the debt, I never had service at this address. There were several attempts from a XXXX dressed rep trying to switch over, never did due to the fact I was under contract with another service provider that I have been with for the last 5 years I have lived at this address. I have disputed this account with all three CRA and only XXXX  has removed the account. I have sent letters disputing and the collection agency still continues to harrass me about this so called debt that I owe. There has not verification of debt. I would like this remove as it has reflect negatively and not a true perception of my credit history.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank makes closing an account extremely difficult. I don't have a branch office close to me and they refuse to close my account over the phone and send me a check via mail. They keep insisting I get an ATM card and withdraw the money at a Non-Citizens Bank ATM for which they will charge me a 3 % fee. The other alternative they offer is to waste a half a day getting a notarized letter and mailing it to a local branch. 
This bank needs to investigated for deceptive business practices as they gouge clients thru hidden fees like 3 % cash withdrawal fees ....
Consumer complaint received 2018-12-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT RESOLVE GROUP LLC (TX)

XXXX XXXX called me from XXXX but left a call back number of XXXX. He said he was trying to reach my neighbor XXXX XXXX about a debt collection and I needed to reach him and have him call them. I told him this was highly unprofessional and he shouldn't call clients neighbors. It actually turns out he had my maiden name from 14 years ago and was calling about a very old neighborhood. He told me calling neighbors isn't illegal and he can do what he wants.
Consumer complaint received 2018-12-27
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: BANCO POPULAR DE PUERTO RICO (FL)

I would like to file a complaint against XXXX XXXX XXXX. In early XXXX, I called to dispute charges that were made by my husband without my prior consent, as we were going through a separation. The charges were made at XXXX XXXX XXXX, XXXX and XXXX XXXX, and totaled {$4500.00}. I was given a provisional credit while an investigation took place. On XX/XX/2018, I was informed by the XXXX XXXX XXXX investigation team that since the charges were made by my husband, who was an authorized user at the time, it was considered " friendly fraud '', and that unless I was willing to file criminal charges, I would be responsible for the purchases. Since I did not want to press criminal charges against my husband, I was informed that the provisional credit would be reversed and that the charges would appear on my next billing cycle. I was informed by XXXX XXXX XXXX that the funds would be released to the merchants in 7 - 10 business days.

My husband continues to have accounts with the aforementioned merchants, who informed him that after I disputed the charges, the monies were taken taken away. When I was rebilled, the monies were never returned to the merchants. I have called XXXX XXXX XXXX numerous times, and each time, I was told that the merchants need to call their bank to have the funds released. I was also told to show the merchants a copy of my billing statement proving that I was rebilled. Despite this, the merchants still have not received the monies owed to them. I have repeatedly requested to speak with a supervisor from XXXX XXXX XXXX dispute department, and each time was denied, as I was told that there was no supervisor available to take the call. Each time, I requested for a supervisor to call me back on my cell phone, with the promise that a supervisor would return my call within 24-48 hours of my request. My last request was on XX/XX/XXXX, and I still have yet to receive a phone call. In addition, the merchants continue to tell me that they still have not received the monies owed to them. XXXX XXXX XXXX has been charging me interest on the rebilled charges since XX/XX/XXXX. In essence, I am paying twice for purchases originally made in late XXXX/early XXXX.

I request that either the monies are sent to the merchants or that the charges be credited back to my account. In addition, I request that the interest charges on these purchases during this time be refunded.
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Riverwalk Financial Corporation (FL)

XXXX XXXX XXXX appears on my credit report. I am trying to dispute the validity of the debt in the amount of {$620.00}. If the debt belongs to me, within the XXXX and the debt collector is licensed to collect in my state. Debt Collector has no contact information as all numbers have been disconnected.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Siggi LLC (NY)

Good afternoon the company below is still effecting my credit. The debt has been in default for more than 6 years. The last payment was made on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX Owner XXXX XXXX Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 2 Balance {$4700.00} Date Opened XX/XX/XXXX Amount Past Due {$4700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount {$140.00} Months Reviewed 4 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1900.00} Balloon Payment Date Balloon Payment Amount Loan Type Note Loan Date Closed Date of First Delinquency XX/XX/XXXX
Consumer complaint received 2018-12-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I am trying to get a refund of a Moneygram money order that was partially cashed at my bank. This is a process that I started XX/XX/18, and still not have resolved. I only received a credit for {$60.00} from a {$990.00} money order when I originally deposited this money order at my bank account with XXXX XXXX XXXX. Since I no longer have an account with XXXX XXXX XXXX, they can not credit me the remaining {$930.00} left on the money order. They say that Moneygram needs to make me whole by issuing me a refund for the remaining balance. I agree with this. 

I have made numerous calls to Moneygram customer service through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also been in contact with their corporate office. On XX/XX/18, a person named XXXX from corporate told me I should expect a refund from XXXX  XXXX XXXX. I have made 4 followup calls with XXXX and left messages, and I never once got a callback. XXXX XXXX XXXX tells me they never heard from Moneygram and don't know about a refund. Moneygram has also sent me 3 letters telling me I need to go my bank branch, and have a banker call Moneygram to confirm that XXXX  XXXX XXXX did not issue me that credit. I did that twice and wasted an hour of my time and the bankers time each time. Nothing has come of it except that Moneygram says I need to do it again. On XX/XX/18, the banker even sent an email, as requested, verifying everything Moneygram asked. Followup calls to Moneygram determined that Moneygram could find no record of that email. I have a copy of that email if necessary. 

All I want is for Moneygram to refund the balance of the money order that was never credited to me. I have jumped through all their hoops, and wasted so much of my time, and still I have nothing. They have my money and will not give it back.
Consumer complaint received 2018-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (GA)

XXXX XXXX XXXX XXXX will not respond to several requests for validation of debt put on my credit report. Nor will they send me a copy of the HIPPA release to even verify a debt they say I owe. Now there is Applied Business Solutions/XXXX XXXXXXXX XXXX trying to collect on a debt that I don't even owe.
Consumer complaint received 2018-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have made several request for verification of accuracy with Transunion and they have not complied. Per the FCRA 611 ( a ) ( 7 ) : " A consumer reporting agency shall provide the consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description. '' I have sent several letters requesting the following : 1. The name of the courthouse 2. The person 's name the disputed item was verified with 3. The address and telephone number of the person 's disputed item was verified with 4. Documentation used to verify the dispute.

I have never received any of the requested information per my FCRA 611 ( a ) ( 7 ) rights. The disputed item was also deleted/removed and then reinserted after the dispute was completed. I am requesting proper verification methods outside of the XXXX system used ; XXXX   court system ( this system is often incorrect ). I have called the courthouse several times to ask for their method of verification and I was told that they do not and will not verify any consumer information.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did online school at XXXX university after graduating can not find a job in the same field opened up my student loans in XX/XX/XXXX I was not making payments on my student loans because I was always in forbearance they cant sleep report 30 60 even 180 days past due I have never been late I have never started making payments till XXXX and Ive been current cents but stated on my credit report one month I will be current the next month Ill be 30 days past due then Ill be current again and then two months later Ill be 60 days past due then 120 days past due then 180 days past due this is all false information reported to the credit bureau There in the forbearance I followed all the guidelines that you were supposed to follow Ive called them several times for them to fix my credit report and all I get from them is excuses of why that its on their excuses they give me or incorrect and dont understand if youre not paying anything due to being in forbearance how that you can be late Ive been working with them for years trying to get this fixed please help thanks XXXX XXXX
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a Bank of America credit card. Upon receiving the credit card in XX/XX/2018 I set up automatic bill pay on my account. The options for automatic bill pay are to pay : 1 ) Minimum amount due as indicated on e-Bill ; 2 ) Amount due as shown on e-Bill ; 3 ) Statement balance as shown on e-Bill ; or 4 ) a set dollar amount. I selected # 2 " Always pay amount due as shown on e-Bill.

However, Bank of America did not accurately implement the automatic bill pay in accordance with my selection. Instead of making automatic payments in the " amount due as shown on e-Bill '', Bank of America consistently made the payment option # 1 " Minimum amount due as indicated on e-Bill '' and subsequently charged interest on my account for the remaining balance. 

I spoke to a Bank of America customer service representative on XX/XX/2018 on a call to the customer support line which began at XXXX Pacific Time and lasted for 30 min. On that the call, the customer service representative confirmed that I had indeed selected automatic bill pay option # 2 " Always pay amount due as shown on e-bill '' and confirmed that Bank of America had instead implemented option # 1 " minimum amount due '' and that this had indeed resulted in interest fees accrued on my account. 

I requested that the interest fees be refunded to me given that Bank of America had not in fact implemented my automatic bill pay selection and I was denied such refund.
Consumer complaint received 2018-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX my Transunion FICO score was XXXX ( XXXX   XXXX ) On XX/XX/XXXX my Transunion FICO score was XXXX. A drop of 33 points in one week. 
My score had been increasing steadily for the past 6-12 months.

Each of the six factors used to calculate the score either remained the same or improved.

There are ( 0 ) derogatory remarks, and my payment history is 100 %. Credit card use declined. 

Despite several calls, Transunion is either unable or unwilling to explain the huge drop. Their dispute process only allows for individual line item questions. I feel that there must be some internal data snafu, or calculation error. 

Help!
Consumer complaint received 2018-12-27
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. (OH)

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (TX)

I have been having an ongoing issue with XXXX XXXX. I called to renew my account and that started an chain reaction of mistakes, that led to me finding another service provider. 

XXXX customer service made several mistakes that led to them turning on electricity at the wrong address ( during renewal ) same street number but wrong street. When I called several time to correct this they had really nasty attitudes and basically kept saying nothing could be done. I had tried to switch then but, when I checked my account it gave me an incorrect renewal date, so I switched back. 

When it was time to renew I stayed with XXXX. I signed up for 8.5, it was changed to 8.9, then 10. They said it was an error then they said even though my account said 10, I was being charged the correct amount of 8.9. My bill still did not look as it should for 8.9KPH. 

I questioned if but was basically told there was nothing I could do. I finally switched providers with the help of XXXX. Nothing was done at that time about their behavior. 

My account is closed and paid, but as soon as I made the first payment a few days later they filed a lawsuit trying to sue me. I think this was unfair since they knew I had made a payment to clear the account and this along with all the other things seems as if they have no respect for their customers long term or not. XXXX  Complaint Case # XXXX ( Ref # XXXX )
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

i contacted XXXX  to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.
Consumer complaint received 2018-07-13
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: FC HoldCo LLC (FL)

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.