davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
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. (PA)

I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened:XX/XX/XXXX
Consumer complaint received 2018-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018 I was dealing with a seller from XXXX and transferred my funds to him though XXXX and as soon as I sent the money I immediately lost contact with the seller And my bank that Ive been with for 15 years said sorry theres nothing they can do Please help me
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (CO)

I am listed as a potential victim according to XXXX. Experian mishandled my information which put me and millions of other people at risk. The requirement of a police report is absurd if they know I have been affected. In addition, they did not notify victims quickly, nor did they notify everyone.
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

In XX/XX/2018 I opened a loan for {$720.00} online. It wasn't until I started receiving emails with the next payment due date that I noticed the principal never went down. I waited to look into it because I assumed it was an interest before principal issues and thought it would begin to show a change after a few payments. I tried to call and speak to someone and they can never seem to hear me or just hang up. I have since sent an email and the response is automated and states they will get in touch with me in the order that it was received. I haven't missed a payment but after looking at loan agreement I see that I am paying 698 % interest. Is this legal? I have already paid the original XXXX $ back almost 3 times now. By the end of the loan, I will have paid well over 3000 . Is there anything I can do since I signed the electronic document?
Consumer complaint received 2018-04-16
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. (MN)

I am disputing fraud inquiries on my credit report which are hurting my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX On the date shown, XXXX XXXX  called me on my cell phone, and explained they are a collection company trying to recover my debt owed to XXXX XXXX. There was a debt. The amount sounded correct. We made a payment arrangement together. 

The whole thing began to take a weird, unprofessional turn after I agreed to two payments of {$230.00}. The agent on the phone with me, a woman with a foreign accent ( the charges incurred foreign currency exchanges, as well ), said she needed to transfer me to her manager for " final approval ''. She was fine, actually, but the manager was acting like a used car salesman, giving me strange options which made no sense. 

I had ALREADY agreed to make two payments. He didn't like the dates. He wanted them back-to-back, then a week apart, then one week after the week I had agreed to! What the XXXX? Finally, I told him he was just too XXXX weird to deal with and process my payments and get off my phone. The phone call lasted 20 minutes after I had already agreed!! 

However, part of what I agreed to was, THERE WAS TO BE NO REPORTING TO THE CREDIT BUREAUS since there had not been any on this matter prior to our conversation. It's now on my XXXX   report as a collection!! They LIED! 

They called me AGAIN, before the second payment ( XX/XX/XXXX ) and began to harass me for my email address, address and more information, which I refused to give them! What do they need ANY of  that for? They don't! After I more than firmly told the same woman, NEVER CALL ME AGAIN, I blocked their number from my phone. 

They lied. They harassed me. They put the report on my XXXX after they promised they had " no interest '' in doing so, AFTER they got their money. Plus, they never explained there would be a currency exchange cost. Ever. {$7.00}
Consumer complaint received 2018-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Three failed separate ATM transactions occurred without my knowledge in the state of XXXX when I reside in XXXX XXXX State. My information was compromised although I had my debit card on my person the entire time. Bank of America decided to close my checking account without notice and a representative to speak about it with. I filed a claim and was told that I would be sent a new card once I received a new card in the mail I still had trouble activating it because my account was permanently placed on hold. This comes at inconvenient time because I had direct deposits from my job and I am past due on bills from the last week.
Consumer complaint received 2018-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

, XXXX XXXX give authorization to helpwithmybank to disputed on my behalf with XXXX XXXX   for unauthorised wire transfer on my bank account, wire transfer department tried to convinced me that I made this transaction unfortunately I denied that.After all my investigation I suspect XXXX XXXX XXXX maybe involved in that incident, his phone number is XXXX XXXX XXXX email XXXX so I demand all my refund of 1 transaction online has to returned to my account ending XXXX
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery associates or Attorney representing them lied on a under oath notorized document ( magistrate court of XXXX county ) stating i had only made 1 payment of {$50.00} on a total amount owed of {$880.00}. 

The document then states after my {$50.00} dollars is deducted from the total amount due i owe {$830.00}. Amd now have a XXXX XXXX on Consent and affidavit for judgment civil action case being filed against me. 
I have copies of checks cashed by Portfolio recovery associates. I have filed complaints with the XXXX against them. And portfolio recovery associates representative told me my contract for payment was voild back in XX/XX/2017 and i can be sued at any time all becau
se they put my payment on another account.

Portfolio recovery associates or their attorny lied about amount owed, how many payments and now im at my wits end.

I stopped making payments in XX/XX/2017 when i
quickly relized not only was my contract wrongly voided because of there error but i started being harassed for payments again.
Consumer complaint received 2018-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Palm Beach Credit Adjustors, Inc (FL)

This company continues to report a copay as past due. They know that my insurance was 100 percent responsible and that I was too late to file a complaint against my insurance. I had met my deductible 100 % XXXX should have paid this debt at 100 percent and this company was advised of the situation. Because I had gone past 200 days the insurance refused to reverse the charge. I in turn went ahead and paid the bill over a month ago, yet they continue to report it as not paid. This is negatively impacting my credit report and my family! I believe they are doing this intentionally because I complained previously as this should have never been reported. This really irritates me because if you run a business, run it correctly or shut it down!
Consumer complaint received 2018-06-12
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. (MO)

Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am disputing a purchase and I a haven't been given the right response on several Day beginning XX/XX/XXXX-XX/XX/XXXX on business I been calling and no one has been giving me the right information about when I should receive my money back.
Consumer complaint received 2018-04-16
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. (WA)

Equifax is reporting 17 hard inquiries on my credit report, 13 of which were for  the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX- XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with Equifax today ( XX/XX/XXXX ), and they refused to help me.
Consumer complaint received 2018-04-16
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. (NJ)

i reached out to XXXX and experian and asked them to remove inquiries that i did not authorize and they said that i had to reach out to creditors. I reached out to the creditors over two months ago and most of them said that they will remove inquiries. Almost 3 months later and the inquiries are still there
Consumer complaint received 2018-04-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (MI)

I took out a lean on a XXXX XXXX XXXX ( I think in XXXX ) with XXXX XXXX in the amount of XXXX, XXXX dollars. They have passed on collection of the loan to several other companies since then. Each time the debt passed I requested debt validation but just got half answers and the run around. Recently last year ( in XX/XX/XXXX ) it passed to Real Time Resolutions whereas I immediately requested debt validation because this debt has gone on forever and I am questioning how it could still have such a high balance rather than having possibly been paid off years ago. On XX/XX/XXXX I wrote to Real Time Resolutions and requested debt validation. Exhibit # 1 ( I will upload to you ). I received a response from them on XX/XX/XXXX that says they are, " currently researching your account ''. Then approx. one month later I received another ( undated letter ) that stated, that they have requested information to adequately respond to my inquiry which they have not received - Exhibit # 2. To date I have not received validation of this debt and feel it was likely paid off years ago and that I am owed back funds ( plus interest ) due to over payments. Recently, I received a letter from Real Time resolutions trying to bill me for a late fee on whereas they had received the monthly payment on time ( and within the grace period ) - yet they continue to bill me for the amount of XXXX cents even though they told me over the phone the late fee bill was a mistake. Please see - Exhibits. ( additional supporting documentation ).
Consumer complaint received 2018-06-11
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. (AR)

1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX  ) XXXX on Monday XX/XX/XXXX at XXXX XXXX. XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion.

Thank you, XXXX XXXX XXXX 3. After a few weeks I received notification as " UPDATED ''
Consumer complaint received 2018-06-11
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. (AR)

I have four accounts on each credit bureaus report that were credit cards That were charged off and sold to collection agencies. The credit card still shows a balance. The balance should be XXXX because they no longer have the debt. The collection agency does. I tried to rectify this with XXXX, XXXX, and TransUnion. 
XXXX {$860.00} XXXX  {$600.00} XXXX XXXX $ varies report to report {$430.00} The refuse to correct and state this is in compliance with FCRA. This is very upsetting. The collection agencies are not as bad as the credit reporting bureaus.
Consumer complaint received 2023-08-24
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. (FL)

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2023-10-31
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. (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 XXXX, AZ 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 XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a USAA Visa Credit Card. I started getting charged for two subscriptions that I never subscribed to. I called USAA about these charges and they were reversed for the XX/XX/XXXX, and XX/XX/XXXX charged. But to have the charges reversed, I had to have that credit card cancelled and a new card issued. I thought that resolved these problems. I was not informed that the companies would receive from XXXX my new credit card number, expiration date, and security code. But these companies did receive that updated information -- which I was unaware would happen -- and charges were continued. 

It is unbelievable that companies making fraudulent charges on a credit card would receive information about a new card being issued! 

Details are as follows : XXXX charges of {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX and XXXX XXXX charges of {$9.00} on XX/XX/XXXX, {$9.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. 

USAA has told me that to have the charges from XX/XX/XXXX and XX/XX/XXXX I will have to have my credit card cancelled again and have a new card issued again. I find this unacceptable. 

I spent hours on the phone trying to get in touch with XXXX and XXXX XXXX and was told that the accounts would be cancelled but they would not give me any information on how these accounts were opened with my credit card information. I
Consumer complaint received 2018-06-10
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. (NV)

I have been a victim of identity theft 2 years ago. I am disputing this account with credit management this should have never been reported to my credit reports. XXXX XXXX XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXXXXXX / XXXX XXXX was paid with creditor XXXX XXXXXXXX on XX/XX/2018 Please update and remove. XXXX and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I became the victim of identity theft on Sunday,XX/XX/XXXX. I discovered this on Friday, XX/XX/XXXX. I have been working since then to correct this fraud and ensure that my credit reports from XXXX, XXXX, and Experian are corrected. While XXXX and XXXX  gave me no problems in providing a free, digital copy of my credit report, Experian has been consistent in refusing to provide a free, digital copy of my credit report to me. I have now spoken to three phone representatives and two managers/supervisors about the issue, and it has not been resolved. I agreed today ( XX/XX/XXXX ) to have my credit report mailed on paper and will have to wait 7 - 10 business days to receive this. I feel as though every day out from when the Identity Theft occurred on XX/XX/XXXX is an opportunity for mistakes on my credit report to be " set in stone '' and harder to remove. I am highly disappointed in how Experian has handled this situation, and wanted to report it to your agency in order to this to not happen to someone else.