davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (PA)

I noticed below collection amount in my XXXX Credit report and this amounts is not owned by me. I called the original creditor " XXXX XXXX  XXXX XXXX, XXXX '' and they confirmed they don't have record of me being in their clinic during XX/XX/XXXX. Initially this collection came up in my XXXX report and I disputed and it got resolved and now it is appearing in my XXXX. I tired disputing but now the new collection agency " Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX '' didn't remove this from my report and they said I owe. But I never been to clinic " XXXX XXXX  XXXX XXXX, XXXX '' which can be confirmed with the clinic. Below amount is appearing in my Credit Report. 

1 ) .Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$670.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$670.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 2 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health XXXX Client Name XXXX XXXX XXXX XXXX  Original Amount {$1600.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$1600.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 3 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$260.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$260.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account
Consumer complaint received 2017-09-14
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. (AK)

I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XX/XX/XXXX so its showing up 22 times on my credit report because I have more than one loan with XXXX. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XX/XX/XXXX. So if my account was bought current and back dated to XX/XX/XXXX then how can there be late payments posted for XXXX and XX/XX/XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at XXXX has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XX/XX/XXXX. 

I also spoke to an advisor at XXXX and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my account.
Consumer complaint received 2017-09-14
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. (AZ)

Equifax had a breach in security in XXXX XXXX where my credit information was stolen. I was not notified about the breach until this past week, which is the second week of XXXX XXXX. At this point, I have not been affected. However, the company can not assure me that I will not be affected in the future.
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I have contacted PayPal several times 3 times on XX/XX/XXXX with regard to changing the name they have listed on a business account. PayPal allowed one of my employees to open the account for the business, but listed the employees name as the owner of the account. 

When contacting PayPal, they refused to change the name on the account even when provided with information on the owner of the business would know. They allowed opening of the account without verifying the same information they have requested me to provide. 

The requested information was : 1 ) Letter on company letterhead dictating the request.
2 ) Photo ID - driver 's license 3 ) Social Security Card 4 ) Company documents ( certificate of organization, letter from bank, etc ) The requested information was provided via fax to XXXX. I verified the number as I was nervous sending such sensitive documentation via fax as it could be used for identity theft. The agent verified this as the correct fax number. 

I contacted PayPal again today ( XX/XX/XXXX ) as I had not heard any response. I was today informed that the fax number should have been XXXX. The agent apologized, but informed me there was nothing that could be done and insisted the error must have been on my end.
Consumer complaint received 2017-09-14
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. (MO)

On XXXX XXXX, I went to the TransUnion website to get a free copy of my credit report. I went to their webpage ( https : //www.transunion.com/ ) and clicked on a button called my credit score & report, which takes you to another page that is titled Be in the know with TransUnion- see your credit score now. I filled out the first page which asked for my name, address, bithday, and last four numbers of my SSN. I clicked on to the next page. This asked me for a user name and password, SSN, and then asked for my credit card information. I wanted my FREE credit report, so I tried to submit my request without entering an credit card information, but it would n't let me continue. I searched the rest of the website for a way to get my report without entering a credit card number, but I could not find a way. I decided to enter my card information and thought that it would warn me before charging for anything. But it did not. It automatically signed me up for their credit card monitoring and charged my credit card twice. I was able to cancel the service on the website, but after multiple calls to TransUnion, I was not able to get a hold of anyone to give me my {$19.00} back and warn them of this error. 

As far as I know, this was my only option for getting my credit score and I was not warned in a clear manner that I was enrolling for a paid service. When I went back to the website to double check that I had n't missed anything, I noticed that on the first page of the sign up ( that asked for my name, address, birthday, and last four of my SSN ) there was a picture on the side that looks like an ad that says, You have chosen : Credit Monitoring for $ XXXX/month. I think that is really sleazy business practice. 

I 've attached screen shots of the website.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (GA)

National Credit Systems has been calling me at work and harassing me. They claim they can not call my cell phone number - which no one else seems to be having this problem. 

A woman named XXXX XXXX called me at the beginning of XX/XX/XXXX stating that I owed my former apartment complex {$700.00} because I terminated my lease early. Fair enough. It is a debt that I owe. I made a payment to them the following Friday. XXXX XXXX asked that they set up an automatic withdraw from my checking account. I told her that I was not comfortable with this and that I would just send them a monthly payment of {$100.00} until the debt is paid. She said that would be fine. 

Well today ( XX/XX/XXXX ) XXXX XXXX calls me back ( at work again! ) and tells me that my account will still be reported on my credit because I elected not to have the money automatically debited from my account. I told her AGAIN that I 'm not comfortable with that and that last month it was n't a problem and now suddenly it is? I said " So you 're telling me that even though I am making payments, you 're still going to report this on my credit just because I do n't want to give you my checking account information? '' She said " That 's not what I 'm saying. You 're putting words in my mouth. '' So I said " That is exactly what you just said. '' She continued arguing with me stating that is n't the only reason. I asked what the other reason is and she told me that this had been discussed with me prior. I said " No, you told me last month it was fine for me to make payments on my own. '' Then she just told me that this was their policy. 

I do n't think it 's right for them to still report this on my credit when I am making monthly payments just because I do n't want to hand over my checking account information so they can do an automatic debit. The only thing they should be concerned about is whether or not I 'm sending in payments NOT that they have access to my checking account. This company seems fraudulent to me. I have another pending payment going out to them tomorrow. I wish I could stop the payment but it is already in process. 

I just do n't see how this is even legal and I really do n't think they should be allowed to call me and harass me at work!
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with Equifax who have admitted that my information has been compromised in their latest security breach. None of Equifax, XXXX or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2017-09-14
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. (OR)

Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both XXXX and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from Experian on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and Experian 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for Experian and XXXX to freeze my credit.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Have tried for 3 days in a row ( XX/XX/XXXX thru XX/XX/XXXX ) to access either web site or a customer service person for Equifax to put freeze on credit account. Equifax website continually gives " error '' message and phone calls are never answered.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Dear Friends, I sold a home in XXXX, PA on XX/XX/2012. The property address was XXXX XXXX XXXX XXXX. My mortgage was through Wells Fargo and the Realty Company in XXXX was XXXX XXXX XXXX. My agent was XXXX XXXX. I sold the house for {$270000.00}. When we closed on the property on XX/XX/XXXX, Wells Fargo charged me the entire month of XXXX for insurance. When I raised XXXX about it, they said that the policy was to close at the end of the previous month ( that would have been XXXX ) to avoid that fee.We were not apprised of that and my agent knew nothing about it.I told them, had I known, I would have closed sooner. I then had my attorney XXXX XXXX XXXX contact them and we got no response to that inquiry. 
Wells Fargo is a corrupt company as evidenced by all the complaints and fines they have been required to pay in the last several years. I lost close to {$1000.00} on that property closing which I could have used for my expenses.. I was XXXX years old at the time, single and dependent on myself and working only part time. 
Please help me regain my lost money because it's only fair that Wells Fargo reimburse me at least the cost of insurance if not more for attorney fees. 
Thanks you very nuch and I wait with anticipation for good news!! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-14
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. (FL)

I tried to place a security freeze with XXXX via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with Experian and they want to charge me {$100.00} to do so.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

My wife and I both have checking accounts with Citibank. Citibank freeze our accounts for no reason. They do n't have office near my home. I call Citibank and sent letter to Citibank center. But they refuse to unfreeze our accounts. We have total {$3200.00} in the 2 accounts. Please help us to get our money back.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number XXXX. Medical account under XXXX opened on XXXX under account XXXX, XXXX opened XXXX under the account XXXX. XXXX XXXX opened on XXXX under account XXXX, XXXX opened on XXXX in the amount XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
TransUnion - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2017-09-14
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. (NC)

Attempted to place a security freeze with Experian, and they refuse to do so. 

I 'm able to view my report on their website so they 've confirmed who I am, but when I attempt to place a freeze they say that they can not confirm who I am. 

Their only provided option is the service that they provide for $ XXXXmonth which is {$1600.00} over the life of a 7 year freeze, though in my state it should be free. 

Their phone system also constantly cuts me off when attempting to place said freeze as well.
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (MO)

On XX/XX/XXXX, I successfully placed a security freeze on my Equifax and XXXX accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to Equifax announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.