davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

I returned a call to Heartland ECSI after receiving an automated call from them on XXXX/XXXX/XXXX, asking me to return their call. The customer service agent looked up my account and I logged in online to view it as well. She said it did n't show I owe anything and that I 'm not delinquent. However, my account page shows a past due balance, 1-month delinquency and a total balance due XXXX/XXXX/XXXX. This information varies depending on which section I view, for example it shows that I do not owe anything on the home page but in 'history ' it shows balance due XXXX/XXXX/XXXX. The customer service agent told me that I should n't pay attention to that, and reiterated that I do not owe anything. I asked why it says in parts of my account that I do, and she had no reason but again told me not to pay attention to that. She said that what I was seeing meant that I could pay on my loan if I wanted to. I viewed my most recent statement online ( ending XXXX/XXXX/XXXX ) which also showed a past due amount and current amount due XXXX/XXXX/XXXX. I pointed out that the statement does not say anything about a payment being optional. The agent told me that she did n't know why the statement looked like that and again said that I do not need to worry about it. I asked if I could record a conversation with them confirming that I do not have a balance due on this account, and she said they do not allow recording so they will not speak with me if I am going to record the call. I asked the agent if they record phone calls between us, and she said yes but only for training purposes. I asked to speak with a supervisor. I was put on hold, the agent answered the line again and said that all of the supervisors are in a meeting and she will ask them to call me later. There are no documents available in the 'document ' section of my online account. I am only able to view everything, including my statement, online so I am uploading screen shots of everything. I would like my online account and statements to accurately reflect my loan and payment status as well as any payments due so that I can protect myself as a consumer. They are not allowing this by having conflicting and false information online. They are misrepresenting my current responsibility by producing a statement that makes it look as if I have both a past-due balance and current balance owed. They said they mailed the statement but the address on the statement is a past address, which does n't match the one they have in my online account information. To top it off, their refusal to allow me to record our conversations makes it difficult if not impossible to protect myself against inappropriate attempts to collect this debt and negative credit reporting should it occur. Thank you for your time and assistance in remedying this situation.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (MN)

This is a complaint about SageStream, a credit reporting agency. I have recently learned that a credit report from SageStream has adversely affected XXXX of my financial applications. SageStream has egregious requirements in order to view my own credit report from there including sending an excessive amount of personal information via insecure methods. This is completely unacceptable. If they want to be a proper credit reporting agency they should be forced to also be included as a company on the XXXX website. This information should be more easily accessible online.
Consumer complaint received 2017-10-12
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 received a notice of this account in XXXX. I mailed a debt validation letter and never received a response. Instead this account was added to my credit report. I filed a complaint and the issue was not resolved so I filed a dispute with the credit bureaus. As a result the account was deleted on XX/XX/XXXX (  proof attached ). Two days later the account was added back to my credit report after deletion XXXX proof attached ). On XX/XX/XXXX, I reached out to TransUnion and spoke with a rep and supervisor who told me that I have to wait until an investigation, that has nothing to do with this account, is complete before I can see the account removed. I already have a report dated XX/XX/XXXX showing the account removed! But no one could provide and explanation of how it was added back 2 days later. Even if it 's showing under another collection agency ( which it is not ) that still would not have allowed me time to request debt validation. This is a direct violation of my rights, and if this account is not removed ASAP, I will be seeking legal consultation to see how I can be compensated for the distress your company has caused me.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

previous filed complaint with CFPB # XXXX on XXXX XXXX, XXXX and referred me to FDIC and now FDIC referred me back to CFPB because the problem is XXXX which need to correct the data report. 

At first when I tried to open a bank account with other bank and was declined due to the report from my previous XXXX XXXX XXXX Bank marked it paid which is not indicated what type of paid that what I was informed from the bank declined me. Now the invested were completed from FDIC and revealed that the XXXX XXXX XXXX bank did n't report any negative report after the closing filed from first FDIC XXXX XXXX. No. : XXXX ) but when I tried to open bank account with other bank and still indicated paid which no one know what type of paid so I contacted to FDIC again and final investigate indicated from the XXXX XXXX XXXX Bank XXXX XXXX XXXX did n't pay for any charge off and indicate the paid was XXXX that mean XXXX did n't pay for charge off. and since XXXX still have the negative report on my credit report so FDIC told me to file the complete to CFPB because your company is the XXXX dealing with XXXX. and also about bank fraud. I filed the police report about bank fraud for the XXXX XXXX bank after I able to get the phone number from my XXXX and found out about the report about XXXX XXXX bank fraud and scam which I enclosed all the attached here with. XXXX have to clear my report on my report data because it causes me damage to not able to open an account since i am the victim made by XXXX XXXX bank. see from my search attached.
Consumer complaint received 2017-09-10
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. (CA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected back in XXXX. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-10-12
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 (TX)

On XXXX XXXX, XXXX I subscribed to XXXX XXXX online for a trial month subscription. I was charged a fee of XXXX for XXXX XXXX which was disputed and cancelled with XXXX XXXXXXXX and they said they would cancel the subscription. XXXX said they can not find my account. I have been getting monthly charges up until XXXX XXXX when I finally decided to put a stop payment on my account. I spoke with Bank of America ( BOA ) periodically over the course of the last 2 years but it was usually when my monthly subscription was pending on my account. NEVER once did they give me the option to dispute previous charges from the month or months before to recoup my funds when I called about the pending transaction nor did BOA tell me to stop payment on this charge until I told them to after talking to another banking institution about my situation. BOA just let me incur banking fees if funds where not in my account. I am disputing repaying BOA the XXXX 4 temporary credit which they say " falls outside of timeframe. '' Which is a 60day timeframe. I would not have fallen outside the timeframe if, every time I called when the charge was pending they would have told me my rights as a consumer regarding the previous charges that could have been removed that was reoccurring each month. I feel taken advantage of and uninformed about my rights. Instant checkmate phone number XXXX
Consumer complaint received 2017-09-10
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. (GA)

I have sent in 2 dispute letters to Transunion on XXXX XXXX and on XXXX XXXX to dispute two bankruptcies reference XXXX, XXXX, and a tax lien reference XXXX that are not mine and do not belong to me. I asked them to provide proof that these were my accounts and they have fail to do so both times. The response I received from them is that they are valid and updated, but they have failed to provide me with proof or a name of the person who verified the debt. I do not know where these judgments have originally been identified from and due to this Transunion have violated the Fair Credit Reporting Act ( FCRA ). According to the Clerks Office of The United States Bankruptcy Court ( XXXX XXXX of GA-XXXX XXXX ), the US Bankruptcy Court does NOT send, furnish or report any information to credit bureaus nor does it know the procedure and process of said agencies. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature With that being said, I find it very hard to believe that this information was verified. If the above accounts are not verified they need to be deleted. Transunion is breaking the law by allowing erroneous information to be on consumers credit report without verifying it. My last dispute was responded too within a week, I find it hard to believe that any research was done to verify in a week with no proven documentation.
Consumer complaint received 2017-09-10
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. (PA)

Equifax failed to adequately protect my personal information. According to their website equifaxsecurity2017.com, I am listed as a potential victim of the Equifax information breach. I am not a customer of Equifax, but have had credit checks run on me through Equifax. In addition to failing to protect my information, Equifax failed to promptly inform me of the breach. Secondly, I should have been contacted by Equifax to inform me of the breach. Equifax should not assume that everyone follows the news. Finally, Equifax is now charging me to freeze or monitor my credit.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FIRST HORIZON BANK (TN)

I received an email from a guy who said he was with XXXX.They sent me what looked like an official receipt ( XXXX letterhead ) saying someone charged more than {$300.00} on my XXXX credit card. I called the number on the email and spoke with someone named XXXX XXXX. After about an hour, he told me they had taken care of the problem, but said they checked my records and someone was trying to take more than $ XXXX out of my account for a casino. They gave me the number for the banks security. I contacted a guy who said I needed to get XXXX gift cards totaling $ XXXX dollars for them to transfer into my account. I bought XXXX, and then I decided to contact First Horizon and XXXX directly. XXXX told me they had no record of any transaction. First Horizon said the same. I am out {$500.00}.
Consumer complaint received 2017-09-10
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. (CA)

On XXXX XXXX, 2017, I learned that Equifax experienced a security breach resulting in the exposure of the personal and financial information of 143 million Americans. In addition, the free one year credit monitoring that they offer as a result contains an arbitration agreement disqualifying any victims that use the product from participating in class action lawsuits. Lastly, when I place a credit freeze on my Equifax credit report, the security pin that I receive is simply a time stamp of when I signed up, making it easy for my pin to be hacked. All of the above is unacceptable, especially given that Equifax uses our personal information without consent and without an option to opt out, and then uses our personal information as its product, on which it makes a profit.
Consumer complaint received 2017-09-21
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: EQUIFAX, INC. (MS)

My name is XXXX XXXX XXXX social security number # XXXX DOB XX/XX/XXXX I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of TN for stilling my driver license thanks to the D.A XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Newport Intermediate Inc. (CA)

XXXX XXXX XXXX this company is holding my money hostage. It is not letting me access my funds and they will not let transfer my money into my checking account. When I call it is the same excuse. " we need to escalate and you have to wait XXXX hours for an update. They've done this numerous times. The card is a XXXX that has bonus funds added to it by my employer. They won't release my funds in excess of $ XXXX, when I login to my account I can see my balance of $ XXXX + but they won't let me transfer funds into my bank account.
Consumer complaint received 2017-09-21
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. (MS)

My name is XXXX XXXX XXXX social security number # XXXX DOB XXXX/XXXX/XXXX, I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of XXXX  for stilling my driver license thanks to the XXXX XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX
Consumer complaint received 2017-09-21
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. (TN)

Equafax data breach! Was informed was not affected then checked again and was told my data may be part of the hack! Called and was told to fill out form for free one year insurance to help with the hacking! Then would be charged after that for the coverage! First off- I never gave anyone the ok to share/ sell my information! They were hacked and now all my personal info may be out there for anyone to use to get a mortgage, credit cards, drank loan and drivers listens and voter registration! All media and what I have read about the hack states that my information may not be use for years! Is it a scam to get people to buy this protection package after one year??? Why should we/I pay for protection when an unauthorized business that makes money off of others personal information gets hacked! Especially when the info may be stored by the hackers and used at a much later date! Where do I go and who can help? The is the big question!
Consumer complaint received 2017-09-21
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. (MI)

Equifax exposed my personal information. It is their DUTY to protect my personal information. For the rest of my life, I will have to be concerned, anxious, troubled, perturbed, upset and distressed about my personal credit information being exposed!
Equifax is the company I am complaining about. Are credit bureaus regulated?
I work at a XXXX XXXX and we have 6 audits every year!!
Who is involved? The WHOLE COUNTRY.
What steps are the CFPB taking to control this situation and regulate the bureaus?
This is very unsettling.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

on XX/XX/year> I have contacted the various Credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

I disputed an error on my Equifax credit report from XXXX XXXX for {$1100.00}. I disputed it twice and they did nothing, said they had no note of the dispute. My most recent dispute was XX/XX/XXXX. I was just hung up on by them after being told I had an outstanding balance. I have n't even been in this hospital for over 10 years and insurance should have taken care of this bill. I 've been trying to get the information that I need to sue them in a court of law and they denied giving me the information. XXXX and XXXX had no problem taking this off of my report but Equifax has not. It has been well over 5 months since I began disputing this. I 've done it online, by mail and over the phone. I am also filing a report with the XXXX XXXX XXXX XXXX because it is affecting my health, causing stress with them lying and stealing my identity for at least how long it has been on the credit report. Being on XXXX for approximately 22 years, I have had full XXXX  and XXXX insurance. I want this mark off of my credit report. If anybody can help me, please and thank you. I have tried hard to straighten my life out through my XXXX but this company continues to steal my identity through my credit rating.