davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called and to a Transunion representative inform his of a mistake they on my report few mouths ago. They remove all 8 of my inquiries then a week later put them back on ... .. 
Section 611 says then sure have notified me 5 days prior to replacing them back on ... .. 
Here a list of the inquiries : XXXX ... ..XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX   XXXX ... ..XX/XX/XXXX XXXX XXXX ... ... XX/XX/XXXX XXXX XXXX XXXX  ... ..XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX ... ..XX/XX/XXXX Thank You XX/XX/XXXX
Consumer complaint received 2018-01-27
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: EQUIFAX, INC. (FL)

A month or so ago, I contacted Equifax to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/. I faxed them a statement, " PROOF '', from XXXX XXXX  that proves the account was " CLOSED '', and that XXXX XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to Equifax. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that Equifax had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a XXXX pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX XXXXXXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.
Consumer complaint received 2018-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

In XX/XX/ my vehicle was repossessed and I was verbally told I can redeem it as long as I paid a certain amount by the XX/XX/XXXX. I in fact paid it and was then told I needed a release to obtain my vehicle back. After several calls I finally received the release but when I called the auction where my vehicle was being stored for whatever reason they kept telling me they were closed, never received the release and I have to call several days later to make an appointment to retrieve my vehicle back. It now is days later and after several calls to the lien holder I still have no vehicle and since have lost my job since I have no way to work. Also I never received the statuory proper notices by mail per the NJ repo law stating they repossessed the vehicle.
Consumer complaint received 2018-01-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AZ)

I have fallen behind on payments. The company XXXX XXXX left a green note at an address of a friend with no name just a reference number and phone number to call. The friend called the number and the women told him they were looking for me to collect my vehicle. He advised her that he was not me and to contact me and she advised him they were trying to contact me by leaving the note. The issue is they advised him that there were collecting a debt and told him my name and make, color and model of car. This person is not on any of my title loan information. They just provided my info because he called the number that was left on his door that did not state who the information was for but upon calling he was given the info and more.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a notice from Bank of America and gave me a XXXX. The account was settled less than the full balance. Bank of America ruined my credit. They have violated FCRA and robbed me of my rights to access/acquire credit by reporting incorrect information. They are continuing to report a balance and past due balance, They are continuing to report late payments as well.This has been damaging my credit and is a clear violation of the law. Attached herewith is a copy of letter I received and a screenshot of my credit report.
Consumer complaint received 2018-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (FL)

Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Amount : {$550.00} Account status : Open Original Creditor Name : XXXX  XXXX XXXX Wait! This is the same debt that XXXX XXXX is attempted to collect on XXXX. You know what I'll re-dispute XXXX XXXX today also so CFPB can see what you guys are doing is totally devastating people 's financial life. That's terrible! 

I did went to the XXXX  XXXX XXXX and When I got there, a XXXX whom were in training poked me 4 times to get my XXXX   and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Unfortunately I have to complain in reference to previously submitted complaint XXXX! I have contacted American Express several times, all the time I am being asked to wait. It got worse these past two days as while I was speaking to their representatives, they are saying that my case was opened on XX/XX/XXXX, meanwhile I have no idea about it. -After submitting my first complaint, on XX/XX/XXXX American Express has replied with a letter, just apologizing and asking to wait for final decision. Let alone I never received any further notification nor letter as they committed, now American Express are telling me that my case was opened on XX/XX/XXXX!!!! Is it my lack of comprehension or American Express ' horrendous customer service? I need a final decision communicated to me via letter as they have promised. I can not take it anymore, dealing with highly incompetent reps. I don't mind them not having an answer, what is frustrating me is the fact they keep telling me untrue information. I have not dealt with one single representative nor supervisor who would own the issue from start to finish. Please, give me a final conclusion, I don't want to deal with your highly poor Customer Service, incompetent and misleading representatives, lack of care from you ( AMEX ) as a company to keep your word!
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Dear Equifax, what's wrong? XXXX XXXX and XXXX XXXX I are collecting the same debt from a hospital that I don't know of. How can that be done? 
XXXX XXXX  Case OpenedXX/XX/XXXX ( 2 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX XXXX And then XX/XX/XXXXXXXX XXXX  I Case Opened XX/XX/XXXX ( 1 yr, 11 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX Please Equifax something wrong is going on, all those reports on my credits are all almost false.
Consumer complaint received 2018-01-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX  have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-01-28
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: EQUIFAX, INC. (MS)

Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (SC)

Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.
Consumer complaint received 2018-01-27
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. (WA)

Rcently, I had an account from XXXX XXXX XXXX  removed from my credit report, after multiple disputes, due to fraudulence and XXXX XXXX XXXX ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, XXXX  XXXX XXXX placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act. I have disputed this with Transunion several times, only to receive no correspondence.
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

I was charged a no-show penalty fee on my XXXX platinum card by the XXXX XXXX   Hotel for a reservation I made and cancelled at the XXXX  travel web portal. XX/XX/XXXX, I filed an online dispute with XXXX and uploaded a copy of the attached reservation cancellation. On XX/XX/XXXX, I spoke with XXXX at XXXX travel in XXXX, TX. XXXX acknowledged that the reservation was cancelled and that the penalty fee should not have been charged. On XX/XX/XXXX, XXXX left a voicemail message for me indicating that her manager XXXX had reviewed the account, contacted the XXXX XXXX and confirmed that the XXXX XXXX   would refund the penalty charge. 

In all my communications with XXXX I indicated that my statement closed at months end, and as such there was urgency to getting this matter resolved and the charged removed before the end of the month. The charged was not removed and XXXX  reported the account to all credit bureaus with the amount in dispute resulting in a negative impact to my FICO score. This resulted in my reported XXXX balance shooting from {$0.00} to {$540.00} even though that amount was the subject of an active dispute and Id been advised by XXXX travel that it would be corrected.

XXXX violated the Fair Credit Report Act by failing to report that the amount was subject to an active dispute.

In 3 years, this is the THIRD time I have been assessed a no-show penalty fee after cancelling a reservation through the XXXX   Travel web portal. This is evidence of a systemic failure of XXXX that  it had ample time to remedy just based on my complaints and correspondence.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I notified Equifax by U.S. Postal Certified mail that I'm a victim of identity theft and as a result I would like for this Equifax credit bureau to immediately remove, delete or block a long list of unauthorized credit inquiries from my credit file. 

Unfortunately, for almost 2 months and as of this present date, I have not received a written response from Equifax. 

However, after I contacted Equifax twice by phone during this month of XX/XX/XXXX, Equifax has still refused to provide me with their written status or results of my written dispute. 

As I am clearly a victim of identity theft and a victim of the Equifax Data Breach of XX/XX/XXXX, I plan to hold Equifax and all unauthorized creditors liable by filing a huge lawsuit against them, especially since there were no permissible purpose under which these fraudulent credit inquiries were made.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (GA)

I closed my XXXX " XXXX '' account due to being charged a late fee at XXXX XXXX as their closing date is at XXXX XXXX. I disagree with this and closed my account. ( They did refund the late fee ). 
I cut up my card and sent a letter to XXXX closing my account. 
Due to not having the account number I am now unable to call to make payment as the XXXX phone number requires the input of an account number. I selected any option and did find someone to accept my payment but the customer service rep could not tell me my balance nor minimum payment due as I have paid ahead on my account. 
I then requested a paper bill. 
I am unable to pay online because I do not have an account number and XXXX will not reinstate my online ability. 
I again put in writing and wrote XXXX and requested a paper bill 30 days ago but have not received a paper bill. 
I am unable to go to a store due to the location being over an hour away. The nearest store has closed that was 1 hour away as well. 
I am unable to get through by calling customer service because I do not have an account number. 
I am unable to pay my bill online because I am locked out and do not have my account number. 
I can mail my bill but do not get paid until the XXXX and do not trust the processing time to avoid a late fee based on XXXX XXXX policies and ability to contact customer service. 
How can one pay their bill? 
I want to pay online or have a direct phone number to pay my bill since I do not have an account with XXXX anymore. I find this process very difficult and not consumer friendly. But yet XXXX will immediately charge late fees at any opportunity. 
I do not want nor accept automatic payments on my accounts due to past experiences when an account is paid in full but experienced continued deductions.
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (OH)

someone used my social and birth date to open a XXXX XXXX XXXX XXXX, however i am not or never have been a member of the united states XXXX or XXXX, which i later found out to be a requirement to even be approved for a XXXX card.i contacted the company several times via us mail letting them know tis was a fraud account. police reports were sent to the company along with an id affidaviat. i also requested a signed document bearing my signiture to prove i didnt open the account, XXXX XXXX  failed to send any documentation with my signiture within the 30 day limit required by fcra. this account is also showing up twice on my XXXX  credit report lowering my score.
Consumer complaint received 2018-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three, Transunion was the most responsive. Transunion began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock XXXX and XXXX credit reports. I'm still unable to successfully use TransUnion XXXX through the XXXX XXXX XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my TransUnion credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they XXXX and TransUnion included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.
Consumer complaint received 2018-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MS)

My student loans were transferred to Navient without my consent or knowledge. Navient werent the agreed lender at the borrowing time. XX/XX/XXXX in the amount of {$3300.00} and XX/XX/XXXX in the amount of {$3000.00}. The original amount per loan were {$2000.00}.
Consumer complaint received 2018-01-27
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: Experian Information Solutions Inc. (TX)

I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TX)

Received unsolicited prepaid card by mail on XX/XX/2018. cardholder agreement under fee schedule states '' If you do not register your card and your card remains inactive, we will access the Account Maintence Fee Listed below beginning 90 days after the date the card was acquired. '' called to remove account but was an automated call with no way to verify it was removed. E mailed to the listed email address to decline card but address was invalid.