davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (CA)

XXXX is reporting a medical bill on all 3 major credit reporting agencies. I learned of the collection account when I applied for and was declined for a mortgage loan. I had medical insurance at the time of the bill and the medical insurance should have covered it completely. The procedure was pre-authorized. I paid up premium up front per the request of the doctor and the insurance company. The amount was somewhere near {$1000.00} BEFORE the XXXX. Imagine my surprise to find that I had a medical collection. The doctors office said something to me and I reminded them I had repaid all of the costs and been preauthorized by insurance. ANY amount above that is, would have been, and will be disputed. XXXX never gave me the opportunity to dispute the validity of the debt. I have never received a phone call or a written notification of the debt. I recently contacted them after learning of the collection account. I informed them I disputed the debt and the circumstances above, They did not pay attention to me at all and immediately started collection practices demanding my phone number and information about me in an effort to collect the debt. THE ALLEGED BILL IS PAST THE STATUTE OF LIMITATIONS and they knew it. Under FCRA and FDCPA the debt should have immediately shown as disputed and removed until resolved. Instead they only attempted to collect. In violation of FDCPA Section 809 ( b ), 807 ( 8 ) and section 623 of FCRA
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I Received a return check fee of XXXX Dollars reference for check fee On My Account is return check fee XXXX. On XX/XX/XXXX i spoke with XXXX saying he would note the account To have the amount and fee waived. Then On XX/XX/XXXX I spoke with XXXX who would not waive the fee and said that she would register a complaint with back end office that They would not be waiving anything. And on top of this Situation My Credit card is still not reporting to the bureaus And I Have filed a additional complaint with my State Consumer protection agency Pa Attorney Generals Office and pa banking and securities office.
Consumer complaint received 2018-02-22
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. (DE)

Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru XXXX XXXX   issued cards stating that they were lowering Credit Limit to {$7200.00} from 10,000 Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru Equifax Credit Information Service I call Equifax & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease.  Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

I have disputed this account with Experian and the original furnisher and this account is unverified, according to Section 609 of the FCRA the company has to provide the proper documentation of this account when investigating the company is to provide you with an original signed contract with my signature. Avant- account number XXXX ... I want them to prove this account is mine please reach out to them for any signature or contracts for me. I need accuracy. Here is a phone number for XXXX XXXX.
Consumer complaint received 2018-02-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Back in 2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent XXXX account and was told it was sold to Portfolio Recovery, I was informed by Portfolio Recovery that the debt was paid.
Consumer complaint received 2020-01-02
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: Mr. Cooper Group Inc. (IL)

On XX/XX/XXXX, I called Mr. Cooper as the result of receiving an offer letter to improve my current mortgage rates or seek equity credit. During the call, I spoke to a XXXX XXXX, XXXX ( the last name not given ). XXXX assured me he would only do a " soft '' inquiry and I specifically said I did not want any hard inquiries on my credit report. He researched what he could do for me, lowering my mortgage payments, line of equity and we concluded there was no offer I could take advantage of at this time, so we hung up. Two hours later my credit monitoring service reported a " hard inquiry '' hit XXXX   and then XXXX. I confirmed by logging into XXXX and XXXX. The hard inquiries also hit my wife 's ( XXXX ) credit report. I immediately called Mr. Cooper back to speak to XXXX, they transferred me to his extension where I left a message reporting my complaint about the hard inquiry and requested it be removed. I called XXXX 's direct line ( XXXX ) again on XX/XX/XXXX stating the same complaint and request to remove. On XX/XX/XXXX, I called Mr. Cooper and filed a complaint with their customer support department. The hard inquiry is still on my credit report and I have not heard back from Mr. Cooper or XXXX.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

For well over 6 months, Bank of America has been attempting to fix a problem with the " Extra Security at Sign On '' feature ( 2 factor authentication ) that allows consumers to secure their bank accounts by receiving an access code by email or text in order to access the account. 

It doesn't work and when it's enabled I simply receive " We're sorry, but we're currently unable to complete your request. Please try again later '' and get locked out of my account and unable to access anything until I call BofA and get a customer service person to generate a code and disable the defective feature. 

There is an open case with technical support.
Consumer complaint received 2018-02-22
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: CITIBANK, N.A. (DE)

Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru Citi Bank issued cards stating that they were lowering Credit Limit to {$7200.00} from  XXXX Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru XXXX XXXX XXXX XXXX I call XXXX & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease. Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2018-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have financial hardship that caused me to put my loan in deferment status, but the Federal student loan agency reported it as 6 Late payments on my credit report.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I got a letter from an attorney 's office, stating that my Bank of America credit card had been charged off and they were taking it over. I called Bank of America to ask about why the card had been charged off since I hadn't gotten a bill, notice, or statement in quite a while. Bank of America told me that I had a " cease and desist '' placed on my account, which prohibited them from sending anything to me. To be crystal clear, I never asked for, authorized, or approved a cease and desist to be placed on my account. I opened a dispute with the credit bureaus, and Bank of America did nothing to change the status or work with me to try and fix this issue. Had the cease and desist never been placed on my account, I would have received bills, statements, and notices ; then I never would have gotten this far behind in payment. But the cease and desist put my account in very bad standing, thus affecting both my credit history and derogatory remarks, among other aspects of my report. Bank of America was unwilling to resolve this when I called as well, and the woman I spoke to saw nothing in the notes stating that a cease and desist was requested by me ( since it wasn't ). I have written to the attorney 's office that Bank of America charged my account off to, and have not heard a response from them either. Further, I have opened a complaint with the Better Business Bureau ; they have opened the complaint with Bank of America, but Bank of America has not responded to them about this either. Bank of America is clearly dodging the subject and trying to show me as solely responsible, but again, I did NOT request, authorize, or approve a cease and desist being placed on my account.
Consumer complaint received 2024-11-08
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. (AL)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-11-08
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. (MI)

I am writing to formally dispute several accounts on my credit report, as I have recently discovered that I am a victim of identity theft. The following accounts were opened without my authorization and are damaging my credit score at a critical time. These fraudulent accounts are not mine, and I request that they be removed from my credit report immediately. 

The accounts in question are : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX ( XXXX ) XXXX Account Number : XXXX ( TransUnion and XXXX ) XXXX Account Number : XXXX ( TransUnion and XXXX ) XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX LL Account Number : XXXX XXXX XXXX Account Number : XXXX ( XXXX ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-08
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. (GA)

XX/XX/year> GRANTOR/ORIGINAL CREDITOR/PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX, GA XXXX TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : transunion TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS THEY READ : : XXXX ACCT # XXXX, XXXX ACCTS : # XXXX, XXXX  ACCT # XXXX, XXXX XXXX OF XXXX XXXX ACCT XXXX XXXX XXXX ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-11-08
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. (MD)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.
Consumer complaint received 2018-02-22
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. (OK)

I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 a check from XXXX XXXX was deposited with Citibank. The check was to payoff my credit card balance but was in an amount greater than the balance, leaving a negative balance. 

As I made the deposit, I requested the excess payment be transferred to my checking account. 

I have called the Citicard number on the back of the card at least 5 times since then, most recently on XX/XX/2018, each time speaking to a different person, getting a different story about what is going on, promising different efforts to remedy the problem, but all with the same result - no money transfer and a remaining negative balance. 

HELP!
Consumer complaint received 2018-02-22
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)

In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over XXXX XXXX XXXX with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on XXXX XXXX XXXX monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!