davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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. (UT)

Experian refuses to fix reporting on XXXX auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! Attachments with this complaint ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute with Experian and in turn Experian would contact them and then they would let Experian know they are reporting correctly and Experian is the one who is making the mistake. Experian has never contacted them per many phone calls and emails with my creditor!!! Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT! THEY HAVE ALREADY REMOVED THESE 2 ITEMS FROM MY WIFE 'S CREDIT REPORT FOR THE SAME DISPUTE REASON WITH THE CFPB AND THEY ARE JOINT ACCOUNTS WITH THE AUTO LENDER!
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have three Capitol One Credit cards. 2 personal and 1 business. I try and pay my cards off in full every month but with the holidays it took an extra cycle. I paid off the two personal cards. 

XX/XX/2020 tI paid my credit card off in full {$360.00} and on the XXXX of XXXX, I was charged interest on purchases made of {$6.00}. I just got off the phone with the supervisor and she told me that I am charged interest on purchases until the end of the billing cycle. Even though I paid my credit card balance in full on the XXXX my billing cycle does not end until the XXXX for those 4 days I was charged as if there was still a balance due. 

My business account I paid in full on the XXXX of XXXX {$930.00} and on the XXXX I was hit with an interest charge on purchases for {$20.00} I asked the supervisor how this is legal. I thought when you paid in full, your statement closes on that day. XX/XX/XXXX my balance on all three cards were paid in, full. That should have closed the statements. She said not with Capitol One. She then said its on your statement. I said I don't get statements I do online banking. She said well you can go to your statements online and see. I told her that viewing statements online is impossible this is a complaint I have made prior and as of today this is still not fixed. She said " well when you get your statement you will see on the far left bottom Capitol Ones policies for interest accrued. Again I asked how is it legal to charge someone 4 days after they paid in full the balance?? I said if all interest in accrued daily then on the XXXX I paid the interest up to that day It should not matter that the statement billing cycle had another 4 days to go I paid that should have stopped all charges. 

This again is not how Capitol One works. This cant be right.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AZ)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

I recieved an email at XXXX that my account was overdrawn by an {$8.00} and change XXXX. Given that I work next door to my PNC branch, I walked over and at XXXX attempted to deposit the amount. The account was over {$50.00} overdrawn with fees. The teller refused to assist with the charges, despite my immediate response- telling me that she as a branch employee did not have the authority to assist with these issues. I was unable to reach a representative over the phone.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I wrote the credit bureau a letter about information on my credit report that is inaccurate and needs to be investigated and they did not respond to my dispute within 30 days which is a violation of the FCRA. The credit bureaus have failed to conduct a proper investigation and failed to correct or delete this inaccurate information off of my credit report. Their reporting of this inaccurate information has me in a serious financial bind and I need this addressed promptly
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-08-01
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. (TN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2022-01-20
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: Bread Financial Holdings, Inc. (TX)

On XX/XX/2021 I paid off my Victoria secret credit card. After this date I did not receive a bill for any charges. It had a zero balance and they were charging me finance charges that went unnoticed due to the fact 1. I paid it off and it shouldnt have a balance 2. I did not receive a bill. They then reported this in XXXX to the credit bureaus as being in default. I did not receive any phone calls over those months saying I had a balance or anything. For the years I had this account I wasnt in default. It was current and paid monthly. This hit dropped my credit by a substantial amount.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (FL)

I recently discovered that an account from Monterey Financial Services LLC has been opened in my name without my knowledge or permission. The total amount of debt according to my consumer credit report is {$2200.00}. My information was breached in the XXXX breach as well as others. I have been a victim of Identity Theft since 2017. Any information sent to the credit bureaus, Monterery Financial or any other third party company related to this debt was made without my knowledge or permission. I have filed a FTC report regarding this Identity Theft and have contacted the creditor directly. Information was and security was breached on my personal and business bank accounts, address, phone numbers and other personal information. This is my official statement for Monterey Financial to Cease and Desist any action against me.
Consumer complaint received 2022-01-20
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. (GA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2022-01-20
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-20
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. (MD)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland funding debt company Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Amount in collections {$1000.00} I never had this account or anything associated with it. This is false. I have done several disputes and sent letters which have been ignored. They continue to deny the disputes, yet can not prove this is my account in anyway or that this is valid
Consumer complaint received 2022-01-20
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: ENCORE CAPITAL GROUP INC. (SD)

I found out that the account i paid off is not being reflected as such on my credit report so i contacted midland credit management ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from XXXX XXXX is that i need to contact midland credit in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

I sent XXXX using money gram from the US to XXXX . I did this online and used my debit card to be sent to XXXX  account in XXXX. XXXX. Transaction XXXX. After one hour the transaction says error. I called the merchant and they say there is nothing they can do. I said refund my money. They said no. The date sent was today Friday XX/XX/XXXX.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

Every last time I try and contact Experian to allow a company to do a credit check while I have a credit freeze I am unable to remove the restriction. 
The company has a completely feckless phone number that led me in endless loops no less than XXXX times. 
They say I must do by mail or website but I have no idea what account Id I have. I am not okay with a company that weilds so much power that I have to put a freeze on because they ruined and abused their power before. But then when I want access, they have made it so hard that I am giving up. 
This is exactly why these companies should not be allowed to exist. They control everything and serve no one but their self.
Consumer complaint received 2019-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I checked my most recent credit report on XX/XX/19. I noticed a collection from ARS resolution for XXXX and XXXX $ that does not belong to me. This account is from Ohio i moved from ohio 8  years ago and i have free health insurance from the government i have provided proof below. This company never once sent me a letter letting me know my right under the fair credit reporting act to dispute, that is a violation of the debt collection act. I will not pay this account if i am not provided an original contract bearing my signature not a bill those are easily made. They have been reporting this false information on my credit report. I called the original creditor that is listed on my credit report they dont even have an original contract so how can this company collect on this debt with no contract. They are just trying to get money from me.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (KY)

XXXX XXXX Offered a discount, I accepted a XXXX XXXX  credit card while making a phone order, was told that he paper work would be sent to me. 

On Thursday XX/XX/XXXX I received my first contact from them, making it clear that the interest was 31.74 % (!! ) and that *I had only days to close the account, * if I did not wish to accept that. The card 's fine print gives itself the right to all my personal information and to share it with anyone it chooses. 

I did not call to activate the card. Instead, I immediately called the number given to close the account ( XXXX. ) It's a recording. There is NO place in its menu to close an account. I tried all the options given and could not close the account. There is NO way to get an operator. I tried numbers for customer service and the Comenity Bank, said to be the issuing banking institution. It turns out to be a Delaware po box XXXX Recordings. 

I wrote XXXX XXXX on its website. 

Good merchandise. Sleazy financial practices. 

I NEED TO CLOSE THIS. 

FRAUD. FRAUD. FRAUD.
Consumer complaint received 2023-06-30
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: CREDIT ACCEPTANCE CORPORATION (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-30
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I visited XXXX XXXX in XXXXXXXX XXXX in XX/XX/XXXX and provided all my XXXX XXXX ( XXXX ) insurance for treatment, paid my copay and left. Months later, XXXX XXXX XXXX XXXX Department sent me a bill of {$780.00} claiming that the insurance company had declined to pay. 
I contacted XXXX XXXX in XXXX, XXXX about it and they said that they had informed the XXXX that they needed to use the correct code and resubmit. The hospital never resubmitted the claim but kept sending me the bill. 
On or around XX/XX/XXXX I emailed the hospital billing representatives through the patient portal ( Attached copy of all correspondence ) and reiterated that I did NOT owe the debt and that XXXX had instructed the hospital to resubmit the claim with the correct code. We emailed back and forth and the final correspondence was with a representative identified as XXXX who stated that XXXX had sent the claim to billing/practitioner to review and resubmit the claim ( see attachment ) and that XXXX would get back to me as soon as possible. That was the last I heard from them. 
The next thing I got was a letter from Medical Revenue Services, a Debt Collector in XXXX and the collection listed on my credit report on all XXXX credit reporting bureaus. I am distressed and seriously injured by this action because of the XXXX 's negligence and failure to do their job. My credit rating has suffered and I can not fulfil my obligations to my family because. 
I would like XXXX XXXX and Medical Revenue Services ( MDS ) to immediately correct their mistakes, issue an apology and expeditiously remove this from my credit report with immediate effect. It looks like XXXX XXXX billing is out to ruin me and my family because they have also reported my wife to the credit bureaus using the same debt collection company ( MDS ) over a {$50000.00} claim incurred at XXXX XXXX XXXX they failed to submit to the insurance company. This is unacceptable and must stop now.