davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DCI Credit Services, Inc. (OK)

On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On X/X/2017, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Consumer complaint received 2017-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

Issue : Lab tests ordered by a doctor ( XXXX XXXX, XXXX XXXX at XXXX ) I did not even recognize nor have visited. I did not authorized the tests ordered.
Action taken : Called the debt collector and was advised to speak the doctor 's office directly. Then tried calling the clinic several times and was on hold for hours with no personnel helping me clarifying the situation.
Dates : various in XXXX  2017 Amount : XXXX
Consumer complaint received 2017-05-05
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: Experian Information Solutions Inc. (OR)

I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCRA  605B.   XXXX . )  XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. PLEASE HELP
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

An account was opened in my name fraudulently. I was contacted and informed that because I did n't know who open the account, I had to pay the account regardless of it being fraudulent. Otherwise It will ruined my credit. Out of concern I paid the card. The person who open the account in my name confessed, I filled a police report and informed the credit card company. I also provided them with the police report. They stated that because I paid it, they can not do anything about it. I want the information off my credit report as I did not apply for the account.
Consumer complaint received 2017-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (FL)

NCC Business Services, Inc with and address of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed up on my credit report in the amount of {$3300.00}. This is from an apartment I rented several years ago. I placed a first and last months deposit down. I moved out, gave proper notice and was never given my last months deposit back as a walk through was not scheduled. Now I have this on my credit report from a company I have never hear of. They have never called me, never sent me any formal notification of the debt, no contact or notice at all. I called them when I saw this on my credit report and I was provided a break down over the phone that I owed this money for carpet cleaning, fleas, rent and late fees. I requested that information be sent to me with a break down and description of what I was being charged so I could review it and try to contact the original rental company but NCC refused to provide me anything and said they could not provide me with any information. This is a bogus debt and I have disputed it on all XXXX bureaus just to have them come back and say it is not being removed. I do not understand how to resolve an issue that I ca n't even review documentation on. How can you pay on something that you do n't even have supporting evidence of and I know that the fees are not accurate or valid. I gave proper notice and was never given anything by the original apartment complex advising me of what NCC is now saying.
Consumer complaint received 2017-08-06
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION
Consumer complaint received 2017-08-06
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: DISCOVER BANK (MO)

I
moved from XXXX to XXXX, MO. On that move the mover damaged antiques and furniture. I asked Discover credit cards to dispute the charge and of course they denied my request. I recently bought furniture and it up my credit that I owed. Not out of line at all. I made my displeasure with their determination known and I did NOT AGREE with the outcome.
I checked my credit score and because they said I agreed with the dispute XXXX XXXX and XXXX  lowered my score. The lied to XXXX credit bureaus about my feelings on their determination and that if not illegal, certainly should be.
I want Discover to change their lies on my credit report immediately. I sent Discover an email about my dispute and displeasure with their decision and they lied about my feelings on this because simply, they wanted the money and sided with a corrupt furniture mover who has damaged antiques and furniture for many people. So as I see they are as corrupt as the movers. I WANT THE TRUTH ON MY CREDIT REPORT IMMEDIATELY.
I AM SICK OF THESE CORRUPT COMPANIES GETTING AWAY WITH RUINING PEOPLES CREDIT BECAUSE THEY CAN. AND I WILL GET MY ATTORNEY INVOLVED BECAUSE THIS IS A BOLD FACE LIE ON MY CREDIT REPORT. I WANT IT RESOLVED TO THE TRUTH, IF THAT EVEN MATTERS ANYMORE IN THIS COUNTRY AND FROM THE LOOKS OF OUR PRESIDENT, MY GUESS IS ITS A NEW LOW IN OUR COUNTRY. AND APPARENTLY YOUR IN BED WITH THEM AS WELL AS I HAVE NOT SEEN YOU HELP ONE INDIVIDUAL.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OR)

Hello, In an emergency a few years ago I ordered checks through my bank, PNC, and it wound up costing almost {$40.00}. I ate it at the time because it was an emergency and I did n't have much of a choice. When I went to my bank to ask if there was any way to get simple basic checks at a low cost or preferably free since it 's a service that should be offered to customers for free ( I did not realize you have to spend money to spend money as well ) and the marginal cost of checks has to be very low for a bank. They lied through their teeth. First the representative claims to me that there was no shipping on these checks and they cost between $ XXXX-XXXX. Then he proceeds to sell me on a higher fee account on claims that there would be a heavy discount on ordering checks. I made it through to the checkout portion only to find he had lied to me about shipping costs and in fact an new order of checks did cost between XXXX-XXXX dollars. And if I recall correctly it took forever to arrive a few years ago. To make matters worse he told me I was not allowed to order checks through anyone else but the third party PNC chose. Oh and the kicker he got me to abandon a no fee grandfathered account here. PNC are a bunch of crooks. I have little hope that this will do anything because of how cozy the administration is with the financial sector but hopefully posting this publicly will get more people aware of the shady practices of even the most " respectable '' banks.
Consumer complaint received 2017-08-05
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. (CT)

On Experian it 's listed as " XXXX XXXX XXXX XXXX XXXX '' and on XXXX and Experian it 's listed as " CT XXXX XXXX XXXX XXXX ''. I am attaching a few documents. One is my payment history with this account. My responsibility to this account is {$180.00} a month. I have not missed one payment, yet my current credit report lists this account as missing 7-9 payments. Also the CURRENT PAYMENT STATUS is  still listing at 120-149 days late which is not true. Payment breakdown below with sheets attached : XX/XX/XXXX {$2800.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX XX/XX/XXXX {$540.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$190.00} to XXXX XXXX XXXX Please update this to ACCURATELY reflect that I am current on this and not past due. As you can plainly see from the payment sheet attached I have not missed any payments ( at least none that I know of ) in the past 13 months. I have not received any bills or notices from this creditor in the past year. Not one! You 'd think if I had n't paid this in 14 months and was past due Id get a letter or notice asking for payment. This false information and outright misrepresentation of this account is costing me XXXX points on my FICO.
Consumer complaint received 2017-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

On XX/XX/XXXX I had to be taken to the emergency department at our local hospital. After being seen and released with not resolution, I started a dispute with the hospital stating that I had not received proper care. As of XX/XX/XXXX, the case was still under investigation by the patient services at the hospital. It was n't until after the Collection was added to my credit profile that the dispute was resolved. Collection Recovery did not send me any notification of this and they also reported to the credit bureaus ( XX/XX/XXXX ) prior to the XXXX XXXX XXXX XXXX agreement of waiting 180 days before reporting medical debts and prior to the resolution of the original dispute with the hospital. During the dispute with the hospital, I was told that all debt owed for the visit was part of the dispute and that there were no other bills associated with the visit. I did not find out that the hospital had separated the hospital bill from the physicians ' charges until I received an alert from my credit monitoring that Choice Recovery had put a collection on my profile. Immediately after finding out, I called the original creditor listed, XXXX XXXX XXXX and while on the phone with them I paid the {$24.00}. But Choice Recovery reports that I paid them, which is not the truth. I paid XXXX XXXX XXXX while on the phone with their customer service. If they accepted the payment on behalf of Choice Recovery, I should have been told that was the case. Since then insurance has reimbursed me for the expense of paying this out of my pocket. If insurance paid for this, whether prior to their reporting or after, they still should not list it on my credit profiles according to the XXXX XXXX XXXX XXXX agreement. The processed used by Choice Recovery of reporting to the credit bureaus without providing a notice to the consumer is in violation of the Fair Credit Reporting Act as well. A complaint has also been filed with the Ohio XXXX XXXX office and the local BBB agencies. I have called the original creditor, XXXX XXXX XXXX many times and have been told that they have requested to Choice Recovery to remove the entry because they have verified that I wasNOT notified of the debt. However, Choice Recovery is still reporting this to the credit bureaus.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (CA)

This account was paid off and closed in XX/XX/2015. It is reporting incorrectly on the credit report. This account is reporting other facts incorrectly and the company nor the credit reporting company will fix it correctly. This was a loan to a corporation and did require/contain a personal guarantee. LOANME IS A PREDATORY LENDER & NEEDS TO BE SHUT DOWN!
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail tracking number : XXXX requesting an investigation into inaccurate items listed on my credit report. I also disputed incorrect personal information appearing in my credit file. According to USPS tracking records, the letter was delivered to TransUnion on XX/XX/year>. 
Despite my detailed request and supporting documentation to verify my identity and address, I have not received any investigation results from TransUnion. More than 30 days have passed since the delivery of my dispute letter, yet no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnions lack of response and failure to conduct a reinvestigation appear to be a violation of my rights under the FCRA.
Consumer complaint received 2017-08-07
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2017, my wife and I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement.
On XXXX XXXX, 2017, after the purchase was completed, I noticed on XXXX XXXX that I had received XXXX ( XXXX ) hard inquiries from this transaction. According to the XXXX details shown on this service, the XXXX  ( XXXX ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XXXX/XXXX/2017 ) 2. XXXX XXXX ( XXXX/XXXX/2017 ) 3. XXXX XXXX ( XXXX/XXXX/2017 ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XXXX XXXX, 2017 - Phone call - left a voice message 2. XXXX XXXX, 2017 - Email to XXXX XXXX 3. XXXX XXXX, 2017 - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : XXXX
Consumer complaint received 2020-09-03
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. (MD)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DPT ED/XXXX  XXXX**** DPT ED/XXXX   XXXX**** DPT ED/XXXX  XXXX**** DPT ED/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 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I have 2 loan servicing companies  XXXX  and   XXXX   XXXX   stating I owe loan. I contact   XXXX   and they insist that I owed them a {$4000.00} loan. I have never made any payment to  XXXX .   XXXX    states I have made 4 payments that I never have. I have reached out to University of   XXXX   XXXX   and there is only 1 loan. I have been making payment to   XXXX   XXXX   since 2013 only to find out they never sent any funds to the University of   XXXX   XXXX  .   XXXX   XXXX   has put a charge off on my account and refuses to address the funds they owe me. Both companies   XXXX   and   XXXX   XXXX   are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of   XXXX   XXXX  .  XXXX  is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to   XXXX   XXXX  .   XXXX   XXXX   say the loan has always been with them. The credit reporting company   XXXX   XXXX   is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of   XXXX   XXXX   neither companies have presented that loan lnumber.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (TN)

On X/XX/2017, US Bank charged me with two or more {$36.00} dollar overdraft fees when I DID NOT overdraft. I also opt out of having US Bank cover non-sufficient transactions in XXXX of 2017 but they allege that I did not. I will attach screen shots of my account up to and after they 've assessed their unlawful fees. You will see that my account remained current until they charged me with their fees. I 've also asked for a paper statement and they 've refused to submit one. When I called about this discrepancy, the allege that my online access and tracking to my account that they provide to their customers is not accurate. I find that to fall under deceptive practices seeing that I know basic math, and its insulting to me when they attempt to justify stealing my money as if I ca n't add and subtract.
Consumer complaint received 2017-08-05
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. (MS)

In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with Equifax as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the XXXX and have not been reported as late so I am unable to understand the problem.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have 2 loan servicing companies XXXX and XXXX XXXX stating I owe loan. I contact XXXX and they insist that I owed them a {$4000.00} loan. I have never made any payment to XXXX. XXXX  states I have made 4 payments that I never have. I have reached out to University of XXXX XXXX and there is only 1 loan. I have been making payment to XXXX XXXX since 2013 only to find out they never sent any funds to the University of XXXX XXXX. XXXX XXXX has put a charge off on my account and refuses to address the funds they owe me. Both companies XXXX and XXXX XXXX are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of XXXX XXXX. XXXX is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to XXXX XXXX. XXXX XXXX say the loan has always been with them. The credit reporting company Trans Union is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of XXXX XXXX neither companies have presented that loan lnumber.