davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX   XXXX   Inquiry   XXXX / XXXX /  XXXX  .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to    XXXX    on the evening of  XXXX / XXXX /  XXXX   to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what deals I may qualify for and the applicable terms. He tried 3 times to  CONNECT  with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an hour of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was because no  one  from their end ever called or chatted with  XXXX  or myself. To date,  XXXX / XXXX /  XXXX  , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the  credit score th at was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XXXX / XXXX /  XXXX  . I expect for the inquiry to be deleted IMMEDIATELY.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Despite my diligent efforts, these fraudulent accounts remain on my credit report, and my disputes have been ignored or inadequately addressed. The persistence of these inaccurate accounts is causing significant harm to my financial standing and overall well-being. Upon discovering these unauthorized accounts, I promptly filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted this report to the relevant credit reporting agencies.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-04-19
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

Someone is trying to set up their Paypal account using my email. I do not know if this is fraudulent activity, or a simple error.     After finally getting through to Paypal, they refused to take remedial action, and said that they could not remove my email from this account despite the fact that I never verified the account as being attached to my email.     Someone supposedly named  XXXX   XXXX  created the account, put in a credit application and transferred money ( internationally  ). I  have no knowledge of anyone named  XXXX   XXXX   ( aside from these emails ).      I do not have a Paypal account. I strongly object to someone using my email to conduct their ( possibly fraudulent ) activities.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Account Control Technology, Inc. (WA)

My  Federal Tax Refund w as recently garnished by the Treasury  Off-Set pr ogram for a fraudulent debt. I have n't received any prior warning to my home address of this debt or collection agency. Account  Control Technology ne ver reported this debt to any of the  XXXX  major credit bureaus essentially leaving me uninformed to resolve the issue. I could have acted sooner, before the treasury offset garnishment, however the debt they 're trying to collect was from when I briefly attended a  XXXX  scho ol (   XXXX   College )  several years ago, which I had around {$3000.00} in federal loans for. I stopped attending after a month or so after hearing a previous graduate tell me that her class and the class before hers were not being placed in jobs like the school had promised, falsifying job placements. Years later they closed this schoo l (   XXXX   College ) for  fraud and for falsely stating they would place students in jobs and never doing so, along with other illegal lending practices. I figured the loan would be forgiven since I never saw it appear on my credit report. I saw this was not the case when I found out that they took my tax return which was {$2800.00} to pay this debt for a school that was found fraudulent and closed down. I have read in several articles that these collection agencies are collecting on loans they know are eligible to be forgiven. Can I do anything about this? My loan was put into the offset program which caused a major financial hardship for my family and I. I needed that money for other financial obligations and I also have  XXXX -month-old son. Things have been very difficult for me since I was injured in a car accident last year and I 'm currently being treated and have n't been able to go back to my delivery work.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have sent THREE different dispute letters to Equifax, and Equifax is refusing to properly validate the debts that I have put in letters I have been sending them since XX/XX/XXXX. They keep stating that they have " verified '' these alleged debts and unverified accounts. Equifax still has not identified who at Equifax verified the accuracy of those accounts and they were verified. As I previously pointed out in my first THREE LETTERS XXXX Law Dictionary, XXXX Edition, XXXX, defines " Verification '' as " Conformation of correctness. truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of a party. So that means that Equifax must be able to prove this in a court of law. The following accounts I would like removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have retained all of copies of certified letters I have sent to Equifax which will used as evidence in pending litigation provided Equifax fail to comply with my request. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

The house is supposedly has a Sale Date. I 'm using agency to help me. But I do n't understand neither the Agencies or the Bank with Mortgage. I 've turned in all the paper requested. But I 'm very confused not getting any help or answers. And at this point I 'm desperate do n't know what else to do!
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (GA)

I was fraudulently charged for a camera by American Express. I placed the order for a {$460.00} camera with XXXX, and the charge came from XXXX for {$610.00} because they lied about the camera not having a battery and charger. I never received any order information, they have done this to person after person. Contacted American Express right away about the merchant cheating customers but American Express took the side of the merchant.
Consumer complaint received 2017-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection (GA)

This company is misrepresenting the time this debt first defaulted and became collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin. 

In a separate complaint this company agreed to remove this account from my credit report. It was simply removed from my XXXX credit report, but added to XXXX. I am now submitting a second complaint to ask for it to be removed from XXXX.
Consumer complaint received 2024-08-26
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (TX)

ProCollect DID NOT and NEVER informed me that I owed a debt or that I had a right to dispute the debt. I contacted ProCollect on XXXX, 2017 and paid them {$1800.00} ( which include a fee that they charged ). Yesterday on XXXX/2017 I checked my credit report and ProCollect has reported an open collection account and caused my score to drop XXXX points! When I contacted them today the person who took my call initially was very rude and condescending telling me that I " should have paid the debt in the first place. '' Then I spoke with " XXXX '' who admittedly stated that he had never tried to get in touch with me prior to me calling him and paying the {$1800.00}.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I contacted equifax, XXXX and XXXX XXXX telephone in the month of XX/XX/XXXX, the person who assisted me told me that the inquiries that I was requesting to be removed would be deleted from my report, but when I reviewed my Report weeks later they were still there. I decided to send a written letter first asking them to correct my personal information and then I sent a second written letter requesting that they delete the inquiries that had inaccurate and uncorroborated information that appears in my Credit Report, but they did not respond to me. These are the queries : 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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing this letter as an immediate and urgent follow-up to my previous dispute, regarding the inaccurate and unverified information that continues to persist on my credit report. Despite my initial dispute, which was submitted in compliance with the Fair Credit Reporting Act ( FCRA ), these erroneous items remain unresolved and continue to harm my credit profile. This negligence is unacceptable.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (GA)

PHOENIX FINANCIAL SERVIC is a ttempting to collect a debt that is not mine from   XXXX   XXXX   XXXX   which i have disputed them so many times with other  debt collectors they say th ey will handle it and now it is popping ack up again. that it is getting ridiculous and i am about to hire a lawyer. this is not my debt i never even been to north carolina. date reports as opened  XXXX  on my credit report. i been in Georgia this is crazy.
Consumer complaint received 2017-11-26
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: EQUIFAX, INC. (GA)

Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my Equifax Credit file. The company name is XXXX XXXX. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now Equifax has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate Equifax and make them aware of these are unlawful practices.
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (SC)

Equifax refuses to remove unauthorized inquiries XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 after sending letter after letter asking them to provide prof that the inquiry are mine or any Signature bearing my my name but failed to do so told them that they are not mine According to the FCRA Legally anything unverified and unauthorized must be removed
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed the validity of a public record item I had noticed on my credit report and Transunion updated it as Released/Satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just under  ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and  XXXX  my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!
Consumer complaint received 2017-04-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau of the Hudson Valley, Inc. (FL)

Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran.
Consumer complaint received 2017-11-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

I used an ATM at the XXXX XXXX in XXXX, Nv, on XX/XX/2017 to withdraw funds from my account at Wells Fargo bank. I obtained the funds, but the next day discovered that I had been charged a " Balance Inquiry '' fee of {$2.00}. This was above the expected fees of {$2.00} from Wells Fargo for using a NON-WF ATM and the fee of {$2.00} from the casino for the money distribution. 

I believe that this additional fee is unwarranted, and just an attempt from Wells Fargo to get additional funds from its customers. I knew I had the funds in the account and did not want an " inquiry '', I just wanted my money.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated (NJ)

I dispute this amount sought and debt in the entirety. XXXX and XXXX  has been harassing me for over twenty years now and this shenanigans need to stop. Theyre abusing the courts and using scare tactics against XXXX XXXX people. Ive been a XXXX member since 2018 and they did not authorize XXXX and a XXXX to collect any debt on their behalf. 
XXXX and XXXX can not validate the debt that they are suing me for
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: U.S. BANCORP (WI)

I went on my first vacation in 15 years XX/XX/XXXX, XXXX XXXX, 2023 to XXXX. On the XXXX day my wallet was stolen with cash, my drivers license, credit card and debit card as I had not been able to put it back in the hotel cause I got cash out from ATM. I called my credit card co about getting emergency cash and new card. I have included my letter to them as what I experienced during my conversations with them was absolutely awful and given wrong information consistently. I was basically stranded in another country with no money. I want them held accountable for their false advertising as I have also included. I actually just had someone call me from there and she told me the agents I spoke with have gone thru more training as they provided wrong info. They also said they have given me XXXX rewards points and offered me {$75.00} which is a slap in the face to what they put me through. And their website had inaccurate promises as well. I had to borrow from my already small savings account as I was planning on using my card for my trip and then pay back later. So this not only cause me considerable amount of mental stress and anxiety but now financially as well. Phone number to reach someone directly about this : XXXX ref # XXXX
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

I was stupid enough to charge some items at MACY 'S on my Macy 's credit card over XXXX. I was unable to log into my account online to make the payment because Macy 's had updated the system and I simply did n't have the patience to navigate their irritating and obscure system. However, I called Macy 's and paid my bill for $ XXXX a day or two late - was assured that there would be no late charges because I was a customer in good standing, yada yada, and received a confirmation number that I had paid the bill in full. 

I then received a bill for {$2.00} in interest. OK, I agree - I had n't paid the {$140.00} on time, regardless of the reason. Whatever. So I paid that {$2.00} bill immediately, by check, and left the country for an extended absence - in complete confidence that I had paid all my bills in full. 

Imagine my surprise when I returned to the US and found that Macy 's had received and cashed my check, but charged me a further {$2.00} anyway as a minimum interest charge on the interest charge that had been paid in full, well before the due date. Oh, and then added a further minimum {$2.00} charge for a total of {$4.00}, due on XXXX. 

I called Macy 's right away and spoke to one XXXX, who did n't seem to have a clue why I was irritated, but eventually - very grudgingly and with full implication that I was a total deadbeat - agreed that she would " waive '' the {$4.00}. 

Imagine my FURTHER surprise when I received a FURTHER email from Macy 's about my " account balance. '' I immediately called, went through endless voice prompts, and finally got through to a live human being who said in hushed tones that she 'd have to put me through to another department. 

Sure enough, I got the " this is an attempt to collect a debt '' speech. The glorious XXXX, according to the faultlessly polite CS rep who answered, had failed to properly credit my account. He agreed that he could correct it and that my account would update eventually to show a {$0.00} balance. However, he was unable to reassure me that this, um, " delinquency '' had not been reported to the credit bureaux that make a darn good living off selling my info, and he could not send me a letter saying that Macy 's had made a mistake. Given that the glorious XXXX had also assured me that I had a {$0.00} balance on my Macy 's charge card, forgive me if I 'm not confident that I do in fact now have a {$0.00} balance. 

I do not give a flying whatever about my credit as I am old and cranky and do n't need any credit. I DO care that Macy 's total incompetence and the Macy 's system that is set up to fail, to their benefit and to consumers ' detriment, affects kids and other people who DO need good credit.
Consumer complaint received 2017-04-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP (NJ)

I received a notice informing me that I have a judgement against me for an account from 2001 I have done some research and discover that the statute of limitation to collect this debt has passed. 
The lawsuit was filed without my knowledge taking away my ability to respond to this complaint