davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.
Consumer complaint received 2017-06-25
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)

In XXXX 2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc. (NY)

Cash App is a mobile payment service that allows users to transfer money to one another using a mobile phone app. has been taking fees without my consent from my XXXX XXXX Personal Account unknowingly from XX/XX/2023 to XX/XX/XXXX, XXXX and is stating it was a business account which provides Goods and Services I DO NOT do any Business ' on this account again its a Personal Bank Account. 

Theyre excuse for charging the Fee ( s ) is that I was on a business account which handles goods and services. Instead of a personal account and thats why they were taking the fees they switched my account back to what they call a personal account finally on XX/XX/2023 and refunded me my fees going back ONLY seven days I would like all my fees credited back from the initial date of XXXX the XXXX 2023 since I had no knowledge and gave no consent and they continued taking fees for the three month period!!
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

I closely monitor my credit scores. I have seen over years that my score on Expierian is XXXX to XXXX points below XXXX and XXXX. 

Experian promotes using their XXXX program to improve your score. This program uses access to non-credit accounts including XXXX, checking and savings to give Experian a more complete picture of a persons financial health. It is voluntary and free. However I do believe there is coercion involved from Experian to encourage using the program. 

Several years ago prior to buying a new home, I engaged XXXX and found that over a couple of months my Experian score was reporting the same XXXX to XXXX range and the other agencies. After I completed my home purchase I disengaged XXXX and my Experian score dropped back to the high XXXX to XXXX range where is has remained. 

My credit has zero late payments, low to moderate credit usage and a low percent of available credit used. Basically my credit history is perfect. 

I assert that Experian has a practice of artificially lowering a credit score to coerce a client to provide data to which Experian has no business seeing. They have designed their score algorithm to punish consumers who do not volunteer the added data. 

If my assertion is correct, the program should be shutdown. I would like to see it investigated.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all XXXX credit bureaus XXXX, Equifax and XXXX to remove public information from my personal credit file effective immediately.
Consumer complaint received 2023-06-08
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. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-05
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. (NC)

A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Russell Collection Agency, Inc (MI)

I was not notified of the attempt to collect on the debt. I recently found out about it when I looked into my credit report. I called the agency & they stated that they did not have my apt number & that the letters were returned back to them. They obtained my cc # from me. Also this was a car accident had I known about the bills I would have submitted them to my car insurance to cover them.
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (MD)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed first home. I have a top secret security clearance for work and XXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to first home. First home can schedule the payments if they want assurance. First home knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue
Consumer complaint received 2018-01-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is regards to complaint # XXXX, Please be advised Under Federal Law ( Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I 'm entitle to physically verify or vision any information such as signed Original Contracts or applications with my signature. Experian has investigated the accounts several times. I need Experian to forwarded me signed documents with my signature Please. Under the FCRA laws mentioned I 'm entitled to vision and Physically verify the information being reported.
Consumer complaint received 2018-01-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Per the Texas Finance code even a credit bureau is required to have a valid surety bond to collect on debt. This company does not have a valid surety bond with the SOS of Texas and is attempting to report and collect debt on my credit report. Specifically, debt from XXXX XXXX XXXX  Texas Finance code Section 392.101 The regulatiin rewards {$10000.00} For each violation.
Consumer complaint received 2023-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

The insurance I correctly have stated that I do not ever owe anything. The bills that I have received in the mail have been sent back to insurance and reprocessed. I have spoke to a representative multiple times and they said this process can take a while. I have received many calls and a collections letter as a result when I should not owe anything. This has been an issue for almost a year now since I have delivered my son. My insurance is never being processed correctly or in a timely fashion and just creates stress on me. This situation could effect my credit.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AZ)

DISCOVER CARD : Back in XX/XX/XXXX+XX/XX/2015, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a discovery CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from Discover Card until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with Discover card? 

XXXX XXXX : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with XXXX. We offered to refinance and carry the debt and continue to pay it when we move to XXXX  but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with XXXX today, never
Consumer complaint received 2018-01-05
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. (OH)

XXXX, XXXX, and Transunion refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that XXXX would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.
Consumer complaint received 2018-01-05
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: EQUIFAX, INC. (CT)

I have summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.
Consumer complaint received 2018-01-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
Consumer complaint received 2018-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo switched my account from paper billing to electronic billing without my consent in XXXX of XXXX. Due to me no longer receiving paper bills, I accidentally missed one payment. This was the first payment I ever missed and once I noticed the issue, I promptly corrected it. My history with Wells Fargo clearly shows I pay extra principal for every mortgage payment. Wells Fargo customer service confirmed they switched my account to electronic billing but never took responsibility for this. Wells Fargo reported the missed payment to the credit card bureau and refuses to take any responsibility for their unethical behavior. Before and after this incident occurred I was attempting to refinance my mortgage out of an ARM. Now, I was just told I am unable to do so until I have a 6 month clean payment history. Thus, due to Wells Fargo 's malicious interference in my account, I will be financial penalized for their misconduct.
Consumer complaint received 2018-01-05
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. (OR)

According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked.

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (VA)

I was first called by Diversified Consultants, not sent a letter. They left a message. I returned their call. I asked them what they wanted and they started to bore in on me and just yell and talk over me. I was very unappreciative of this and told them it was customer abuse. When I told them that I had a letter from XXXX that said I was not to contact anyone related to XXXX XXXX and this incudes them ) they got mad. It was as if to say that I should violate law and the letter. They also told off my husband and he never spoke to them before that one time. 

When I would try to speak to them they referring to everyone I spoke to, would talk over me even after asking a question. They would not listen to my answers so I stopped talking. at one point I asked a question and they answered with a question. I asked them to please answer my question with a statement and not a question. They refused. They continued this pattern of behavior and to this day now I have them blocked in my phone. so they try restricted calls but my phone blocks those as well. Therefore I am requesting ALL communication in writing. I also informed them I had no further interest in talking to them and am sending them a cease and desist.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (KS)

I was supposed to receive a direct deposit for excess Financial Aid funds. XXXX XXXX told me the refund amount was too much {$16000.00} over their XXXX so I would need to send documentation proof of the deposit reason. I sent all paperwork from my college to them and was told to expect something in 6 business hours. I called back 6 hours later and was told they attempted to call the school for verification but the school was now closed so they could not do anything. I then asked to speak to a supervisor who ensured me the documentation I sent was good and I would receive my direct deposit by XXXX. I called back at XXXX and was given a different answer, that the direct deposit department was gone and attempted to call the college but it was closed so they would need to verify tomorrow. I should not have to go through this much to get my own funds!
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (CA)

I have received unwarranted collection for ( 2 ) student loans from XX/XX/XXXXthe company NAVIENT says it bought because we did not include in our CHXXXX  bankruptcy plan which was just discharged in last 30 days. How convenient, what a predatory company this is. 
I have paid all student loans and do not owe any which is why it was not part of the plan. 
They have sent several mailers with pay stubs and terms which show the last month of approved forbearance making this seem real but in fact nothing about this is real! 
I have in last 3 years pulled ( 2 ) parent loans through XXXX XXXX XXXX for my children college loans which would not be possible if I still owed on the same student loan program.
Consumer complaint received 2018-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

No legal validation for this collection. Requesting actual account and chain of assignments to show ownership. NON ASSUMPSIT binding both parties. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX send via certified mail to this company. They are in violation with the laws. The Credit bureaus and also in cahoots with these people. This is an unverifiable account. I have made several attempts to deal with this matter. I want to know who is the agent for this company XXXX XXXX XXXX
Consumer complaint received 2018-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

my student loans have increased from XXXX, to XXXX, XXXX XXXX dollars and the school i attend was no where near this cost and i was in the military but some how my loans how still went up i do n't feel like the loans being billed are mine. also i am a XXXX vet and still interest or some charges are causing an increase. i cant tell where the charges are coming from.
Consumer complaint received 2016-10-15
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A. (TX)

I received a prepaid {$26.00} XXXX Citibank XXXX card as a refund for overpayment after cancelling my service in XXXX 2015. I recently discovered that Citibank XXXX has charged a monthly {$3.00} account maintenance fee since XXXX for not using the card on a monthly basis. This has caused the card to go down to {$14.00}. When I contacted Citibank they said that this was the terms & conditions that XXXX initiated. I did not agree to these Terms and would not agree to such terms since this is a refund of services paid.