davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$200.00} but I have never done business with them or signed any agreements with this company. The account number on my credit is # XXXX. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX XXXX, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has several negative reviews and over 616 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT APPLY FOR ANY CREDIT WITH THESE COMPANIES I WANT THEM TO BE REMOVED FROM MY CREDIT REPORT THIS SI FRAUD
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2017-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (UT)

Hi, In XXXX of XXXX my identity was stolen and used to start and open an account with XXXX internet an T.V. services for monthly high speed internet in the XXXX Missouri area. I believe the internet service charge was for roughly {$30.00} dollars a month. from what I understand, the Internet Installer Technician went to the thieves home/apartment around the end of XXXX XXXX, installed the internet service from XXXX, and then left, without asking to see an I.D . to verify my Identity, or some kind of proof of a new customer account. 
And he also did not get a credit/debit card from the customer, or any kind of payment at all. and apparently all they needed was my name and information and thats all it took to create this internet account. 
I was living in XXXX Missouri from XXXX XXXX until the end of XXXX XXXX doing out of state work with my construction company, but aside from that I have no connection to Missouri or XXXX internet services. 
I did not find out until several months later that all of this had happened under my information. I found out because I received a call around XXXX XXXX from a credit collection company saying I owed them {$140.00}. I informed him that it was not me that had started that account and that someone must have stolen my identity to do it. He said there was nothing he, or XXXX, could do and that I was responsible for the balance of {$140.00}. Ive never dealt with Identity theft, or been delinquent on any payments in my life, so I told him I 'm not going to pay the {$140.00} because it was n't me. and that if XXXX has a problem with that they can call me. 
I never received and calls from XXXX. however, I started to receive more then 8 calls a day from creditors demanding that I owed them {$140.00} in fees and charges. It was out of control. I kept telling them that it was n't me, and i had no idea until now, that you could actually dispute the charges. I also asked repeatedly to be put on the DNC, or Do Not Call list, and still i kept receiving phone calls.
Consumer complaint received 2017-12-06
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. (AZ)

I filed dispute requesting my report for XXXX be updated with no late pays. The report is showing XXXX andXX/XX/XXXX being 120 and 90 days late, XXXX andXX/XX/XXXX 180 days late, XXXX, XXXX, XXXX XXXX 150,120,90 days late, XX/XX/XXXX 180 days late, XXXX, XXXX, XXXX 150, 120, 90 days late. This account was not late. The account was in forebearance due to active military. The account should read nd or ok. I sent documentation showing proof of why account was not late.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (WA)

The amount is XXXX. The account was open in XXXX and closed XXXX. I have been on military orders since XXXX, I also lived in ct from XXXX then XXXX XXXX until i left for the XXXX. The person the account belongs to is not taking accountability on the account,
Consumer complaint received 2017-12-14
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: CORELOGIC INC (TX)

XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.
Consumer complaint received 2017-12-14
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 have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score.  Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.
Consumer complaint received 2017-12-14
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. (IL)

XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

I checked my credit report.The reports shows debt of $ XXXX.To XXXX XXXX.contact Erc collectionsXXXX.I call.onXX/XX/XXXX.Noone can find acct.I say not mine.XXXX ( agent ) says email state Id & ss card to ERCBPO.COM.XX/XX/XXXX XXXX XXXX/o pres.replies : acct.temp closed while we investigate.I gave my address, phone, ssn to XXXX.Address for bill is XXXX XXXX XXXX XXXX.XXXX  tx.I never lived there.Ive been in contact with XXXX XXXX, Executive Director XXXX.His asst.Mr.XXXX could not find an acct for me at that address XXXX XXXX XXXX XXXX.He 's mailing me proof & fraud alert.Now XXXX wants me to fill out a " fraud packet '' of notarized paperwork & proof of addresses where I lived at. The bill XXXX & ERC says I owe was XX/XX/XXXX-XX/XX/XXXX.I say I have Ok.State ID since XX/XX/XXXXand voter ID.XXXX.No, they say they want bank statements with addresses & my recent photo id.I gave collection agencyrecent photo id & SSN card.by email.Im feel uncomfortable sending bank statements.I made Identity fraud alerts with the credit reporting agencies.I filed a identity theft report.When Ms XXXX  put temp stop on collections I don't owe, it came off my report somehow.but lady at XXXX Fraud dept says if I don't do all that is in XXXX Fraud Packet and get it notarized it will be back on report.I gave my id already.Im XXXX.Im walking up and down hills a mile to the library for a debt I don't owe.
Consumer complaint received 2017-12-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (CA)

This complaint is centered around the practice of forcing me ( student loan borrowe ) into forbearance for a longer time period than necessary when I was recertifying my income for income based repayment programs. 

In XXXX XXXX, my payment due skyrocketed from the normal {$670.00} REPAYE payment, to a standard payment of principal and interest of over {$3300.00}. I was told that I failed to recertify my REPAYE. I believed that was false, as I contend that I had already recertified and in fact my payment under the REPAYE program increased in XXXX XXXX after I recertified in XXXX XXXX. XXXX denied any knowledge/record of a recertification in XXXX and said that I must recertify ( again ). Having no other option, I began the process. As is the standard practice during the period of recertification, I understood that my loans would briefly go into forbearance. However, I asked, and it was notated on my account, that the forbearance be for the shortest possible time period. I asked that as soon as my recertification was approved, my REPAYE resume. 

I submitted recertification, on XXXX XXXX, XXXX, I received an email that XXXX received my submission for the recertification of my plan. On XXXX XXXX, XXXX, I received an email from XXXX notifying me that my REPAYE recertification was approved. 

I expected to be taken out of forbearance in XXXX. In fact, I have a letter dated XXXX XXXX indicating my forbearance began XXXX/XXXX/XXXX and ended XXXX/XXXX/XXXX. However, I received a letter on XXXX XXXX, XXXX saying that my first REPAYE payment was due on XXXX/XXXX/XXXX, meaning I was going to remain in forbearance for the entire month of XXXX XXXX. 

I called to discuss that with a representative because I saw no reason and had no desire to remain in forbearance for the month of XXXX. My recertification was approved and I should have begun paying the REPAYE amount in XXXX not XXXX. The representative tried to help me but was told by a supervisor that it is XXXX XXXX  policy to keep a borrower in forbearance up to 60 days when recertifying. I argued that my recertification was approved and this tactic was improper. No help was offered. The result, of course, was that capitalized interest was added to my account for both XXXX and XXXX XXXX. My argument is that adding capitalized interest for the month of XXXX while forcing me to remain in forbearance was an abusive tactic and a way for XXXX to churn fees and deceive borrowers. The total interest added to my loans for the forbearance period of XXXX and XXXX is not insignificant - it amounted to {$6400.00}. In two months time, by no fault of my own, my loan balance increased by {$6400.00}. It 's unfathomable. 

Later, on XXXX XXXX, XXXX, an additional {$2700.00} was added to my account as capitalized interest from being in forbearance. I do n't know what that interest amount stems from and have not received an answer. 

Please help stop this practice.
Consumer complaint received 2017-12-14
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. (CA)

XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( XXXX XXXX ).
Consumer complaint received 2017-12-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/XXXX customer XXXX XXXX rented our vehicle. She provided a XXXX XXXX which we charged {$50.00} toward the rental agreement. On XXXX/XXXX/XXXX we successfully won the first chargeback attempt. On XXXX/XXXX/XXXX we received a second chargeback and Bank of America Merchant Services will not allow a dispute. They have refused arbitration. All documents show this is a valid car rental.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

i respectfully ask that all loans that are outside the SOL for Texas be removed from my credit reports ASAP.Please remove all loans that are outside the statue of limitation of 4-7 years ASAP. Thank you. This should be done on all CRAs. I have emailed several times and it has been more than 30 days since my original request. Under the FCRA, you are legally obligated to respond. Please remove the student loans from my CRA reports immediately. They have been removed from XXXX, and should be removed from all others as well.
Consumer complaint received 2017-12-14
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: TD BANK US HOLDING COMPANY (TN)

On XXXX/XXXX/XXXX I found out that there is a negative on my credit, from XXXX XXXX. It shows that I owe {$1600.00} from an account that was paid in closed in XXXX. Apparently this was just reported on my credit. This was a shock as I have always gone to great strides to keep my credit good. I need to know why something that was paid 4-5 years ago is on my credit? I have talked with XXXX XXXX, they were n't able to help and referred me to TD bank ( they handled the retail card services for XXXX ). TD bank is the creditor that reported the inaccuracy however they have been nothing but difficult. I was hung up on at least 3 times and they were unable to give me an answer as to why someone with TD bank decided to put this inaccuracy on my credit after it has been paid and closed for years. There has to be some accountability from these companies, especially TD bank!! This situation has caused me to not be able to finance a car and countless hours of stress and phone calls etc. Now I 'm being told that I need to put a dispute in with all the credit companies and wait up to 90 days. This is NOT acceptable. I paid my bills. TB bank reported an inaccuracy and I ( the victim in all of this ) am now being told " sorry about your luck ''. I want this matter corrected and TD bank held accountable for their actions.
Consumer complaint received 2017-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (LA)

Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX This company is not authorized to collect debt in Louisiana. I asked the company to verify the debt and they sent a hospital bill. I 'm requesting validation that the debt belongs to me and also proof of license in the state of Louisiana.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Walmart Store Credit Card through Synchrony Bank - I was not able to use my bank card and found that Walmart wrongfully processed a payment for {$150.00} on XXXX XXXX, 2017, when I signed up for recurring payments of only {$25.00} per month. It takes a couple of billing cycles before it started on XXXX XXXX, 2017. When I called them, they said that when there is a minimum payment due that will get processed before recurring payments for less than that amount. This was not stated on their website when I processed the recurring payments. I made payments as needed {$25.00} and {$50.00} until recurring payments were to start. Walmart states it can take weeks before the complaint process is set up and I would receive something in the mail. My bank account is overdrawn, accumulating overdraft fees and now, any other payments I set up for payment of my bills will be returned unpaid. 

I can not afford to wait weeks for Walmart to send a request into their complaint process and respond by regular mail. It was an unauthorized payment against my bank account and should be immediately taken care of. 

Because of what occurred I immediately cancelled recurring payments so this does not happen again.
Consumer complaint received 2017-12-15
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)

I have called and faxed Transunion several times and they refuse to remove inquiries on my report related to idenitity theft. They are infringing on my rights covered under the FCRA. I have reattached my Identity Theft form that I sent to them. As a summary, the following inquiries need to be removed as I gave no permission and my SSN was compromised : - XXXX XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - XXXX XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Please remove these fraud inquiries ASAP. I have asked several times and have provided supporting documentation.
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (PA)

Submitted an application for Personal Loan at local Wells Fargo Bank on XX/XX/XXXX for the amount of {$80000.00}, provided ALL requested documents. 
Application has be denied and I 'm not getting any answers as to a reason for denial. 
My personal tax returns show Adjusted Gross Income of over 220, 000.00, I have no mortgage, all my cars are paid off in full, my credit cards are paid in full every month.

My credit score shows XXXX, my current accounts is Wells Fargo Bank holds over 80,000. 
With all that information Wells Fargo claims that I do n't have enough income or assets at Wells Fargo Bank, they claim that amounts owed are too high relative to my income, and they claim my income ca n't be verified. When I asked about what amounts I owe and who I owe to, and how is it that you ca n't verify my income ( provided XX/XX/XXXXand XX/XX/XXXX Federal Tax returns ) I was told to leave it alone as underwriter already made his/her decision and there is nothing I can do about it. I feel that this is racial profiling, anyone who takes a quick peek at my last name realizes that I am of XXXX heritage and it seems that folks at Wells Fargo ca n't stand a somewhat successful XXXX.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (IN)

I am among the people affected by the Equifax security breach. It is unacceptable that Equifax handled data this important with so little security around it, and now I have to worry about identity theft.
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX/XXXX/XXXX, I sent a letter to this collection agency by the name of XXXX XXXX. I requested information on a debt in the amount of XXXX that is on my credit report and have no knowledge. I requested an identity theft or fraud packet to fill out and send it to them to investigate who opened this account in my name on XXXX of XXXX. Today is XXXX/XXXX/XXXX and this collection agency has not replied back to me.