davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Had XXXX XXXX XXXX XXXX XXXX XXXX for many years and in XXXX changed creditor to XXXX. In XX/XX/XXXX, after about a month after XXXX had account a late charge from XX/XX/XXXX. I have perfect payment history and had no late payments showing until a year later. This was brought to my attention through credit monitoring due to dropping my credit score about XXXX points. Immediately I reached out to XXXX to only have associates disconnect calls. After starting a dispute through Experian I reached back out to XXXX and after transferring my call back stateside I finally submitted a dispute but was advised 45 day turn around. This seems unacceptable that they have tarnished my credit without any reasonable cause and will not correct timely. Please help.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (MI)

I purchased home appliances and received {$600.00} in rebates from a vendor called " Prepaid Digital Solutions ''. These came in the form of pre-paid XXXX that could be redeemed physically or virtually. 

Given that prepaid cards are notoriously difficult to use given the restrictive nature of purchasing goods that exceed to total amount, especially online, I tried to use one of the cards totaling {$200.00} to purchase a merchant e-gift card to buy an item that was over that amount, so I could use a different form of payment to cover the difference. The transaction was declined repeatedly for reasons unknown to me. 

I started a live chat with their support team to troubleshoot the issue and was told that these cards were not authorized to be used for that purpose. When I asked why and for them to highlight language in their terms and conditions that specifically stated that, the agent admitted that language did not exist in their terms and conditions covering that topic. 

So, I am being told I can't use money that belongs to me in certain ways, but that is not legally stipulated in a contract, and no accommodations were provided by the company to remedy the issue. 

They also did not provide a post-chat log for me and the chat cleared before I could take screenshots to document my case.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was forced to pay a down payment. Which is illegal lets start there. Then the company violated a cease and desist order multiple times. I was contacted through third parties, us post mail and phone calls from both the company and debit collection. I never received any tax documents regarding the charge off. The company also had the vehicle repossessed and in that process damaged the front suspension, emergency break and transmission of the vehicle. Then extorted me out of {$5000.00} in order to get the Charged off and damaged vehicle back. All while violating a long list of laws and us codes such as 15 US Code 1605 Definition of a FINANCE CHARGE Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission 15 USC 6802 15 USC 6803 15 USC 6804 MCL - Section 333.16233
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D  ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (NY)

Have a negative debt on one of my credit reports that is not mine. Was never told about it. Never received any mail or phone call. No knowledge of this at all until it appeared on my credit report. One credit agency deleted it. The other one I  have disputed it with them twice and they wont correct it its not my debt and I want it fixed.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am signed up for online access with transunion ( https : //service.transunion.com ) to freeze/unfreeze report for last few years. Earlier this year, the freeze/unfreeze stopped working and all I get is an error asking me to call a number. 

I have called several times without any resolution. I keep getting transferred to different teams. In my last interaction on XX/XX/2023 the team I got connected to seemed to be the right team. The representative said she knew the exact problem but a supervisor had to fix it. I asked more details and was told she can't disclose anything, which doesn't sound right to me. 

Anyways, few weeks later there is no resolution ( I was told it would be fixed in few days ). Ticket number : XXXX XXXX XXXX XXXX So no resolution, no communication and when I call, I keep getting transferred to teams that have no idea and say everything shows good to them. 

more details on the error : Your TransUnion Credit Report Freeze status is currently : UNKNOWN The TransUnion XXXX XXXX XXXX is temporarily unavailable. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (CA)

Since XX/XX/2022 I have been unable to get my credit report through XXXX after making a complaint of outdated information being used to deny me the use of my credit! I have tried to call repeatedly and I am unable to make contact with a live person at any time for ANY reason. I have sent letters and they have gone unanswered. All of my credit information has been wiped from my online account. I have tried accessing the report from XXXX XXXX XXXX and I am barred from getting that way too.
Consumer complaint received 2023-08-08
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company Credit Collection Service has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card bearing my signature, the shipping number, and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card proving that they sent me the notice at least 5 business days before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (OH)

Zion Debt Holdings has failed to do any of this. As they are a 3rd party debt buyer. They have not shown cause to report this debt, or prove they are the owner of said debt. 

Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies.
Consumer complaint received 2023-05-08
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. (IN)

I asked the credit bureaus to do an investigation on my credit report to make sure everything was true and accurate. I received their results back and they were verified as accurate. There is no way they can be accurate when each credit bureau is reporting something different. There are many inaccuracies on my credit report from all three credit bureaus. These are violations of the FCRA. I have included my credit report before I sent the letters and my credit report after the investigation to show all the violations circled.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uplift, Inc (NY)

I am facing financial harassment and severe damage to my credit due to actions by the debt XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, regarding an alleged debt from XX/XX/XXXX. They are deliberately communicating with credit reporting agencies to harm my credit, which is negatively impacting my low-income family 's ability to thrive, particularly as a XXXX individual. 

It's important to note that federal laws, including the XXXX  with XXXX XXXX and the XXXX XXXX, provide protections for qualified individuals with XXXX. In addition, under New York law, the statute of limitations for consumer debt is 3 years. This means that creditors or debt collectors have a maximum of 3 years to attempt to collect on an unpaid debt or initiate legal action. Once this time period has lapsed, the debt is considered time-barred. 

The New York Consumer Credit Fairness Act ( CCFA ), which came into effect on XX/XX/XXXX, governs such limitations. It applies to both original creditors like credit card companies and debt collectors. Amendments to the New York Civil Practice Laws reinforce these regulations. Importantly, once the statute of limitations has expired, it can not be reinstated or extended, even if payments are made or acknowledgment of the debt is provided. 

For debt buyers and collection agencies to pursue legal action, they must demonstrate ownership of the debt and the right to sue for its collection. This entails providing a complete chain of custody for the debt, even if it has been transferred through multiple entities. Failure to prove ownership will result in the dismissal of the case. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my horrific experience.
Consumer complaint received 2024-05-05
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AZ)

Recently in XX/XX/2023, I became unemployed as a result of a mass layoff at my former employer. This resulted in me having to collect unemployment benefits while I seek new employment. The State of Arizona contracts with Way2Go Card/Conduent Corporation , which provides a barely functioning application/website that unemployment benefits are deposited onto. The application for the XXXX ( XXXX ) operating system is extremely glitchy, slow and unresponsive. I almost never used the app other than to transfer funds into my checking account, which worked just fine up until approximately three weeks ago. Out of nowhere, after the application redirected me to a confirmation page indicating that my transfer was successful, I noticed that the intended transfer never made it to my bank account. 

I was suspicious as to why, so I attempted to transfer again. The same exact event occurred where the funds were acknowledged to have been " transferred '', yet the transfer never took place and it was sent back to the prepaid card again. I called and spoke to a representative whom assured me that I could use any certain types of ATM machines listed on their online portal where I would not incur a surcharge. I visited the ATM in which the representative told me I could use free of charge ; this turned out to be not true, as the same ATM we discussed charged me a fee. Rather than drive all around town and try to find others, I simply accepted the fee and withdrew the funds. 

I called back later that day to speak to another agent and find out why I was being charged an ATM fee when I shouldn't have. That agent I spoke to advised me that their software application flagged my transfers as fraudulent, despite the transfers working like clockwork for the past XXXX months. Her thought process behind this ( as she was explaining it to me ) was that it " could be fraud even though its been going to my account the whole time ''. This is very illogical and I should have been notified either via the application that fraudulent activity was suspected, or someone should have attempted to contact me ; neither happened. 

Furthermore, that agent I spoke to advised me that " only some of the ATMs '' were free of charge, and that if I wanted to remove the block on my account ( that I was never properly notified about ), I would have to manually take pictures of personal information that had to match their requirements exactly. XXXX of these requirements happened to be a drivers license with my physical address matching ; which I can not provide. 

In summary, this is a very poorly designed application that is causing its unemployed users to incur unnecessary fees. In addition to this, they are a predatory organization that is not fit to serve the needs of the public. The state government needs to end its contract with this company ; it is unbelievable that they were able to enter into a partnership when they can not even provide basic transactional support.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, and JPMCB CARD XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my XXXX credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance, XXXX XXXX
Consumer complaint received 2023-05-15
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. (MA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A. (CA)

On or around about XX/XX/2017 I received a hard inquiry on my XXXX  credit report. I was alerted by a credit monitoring alert through XXXX. Concerned due to the fact I hadnt recently applied for anything it showed the company Kirschaun, Nanney, Keenan & Griffin, P.A. had run a hard inquiry on my credit report. Considering I have never given them my personal information I called that following Monday and was told I owed a debt to XXXX XXXX which I hadnt recently done business with. I received a response from the company in which I still have screenshots and print outs and I informed them it was fraud. There was enough information provided from the company the last time I made a complaint to investigate with the assistance of an attorney. I even called XXXX customer service and was told they had no idea what I was talking about.The VIN number of the car Was searched it belongs to someone else. I have documentation to show the car was sold by XXXX in another state. We ran a VIN check. # XXXX. 
XXXX XXXX XXXX. I would think a collection agency or a entity that acts as one would have common sense to investigate. XXXX clearly provided false information and after informing Kirschbaun, Nanney, Keenan & Griffin, PA they still committed fraud on behalf of XXXX. Fact # 1 I was not and have not been a resident of XXXX let alone XXXX XXXX for more that 2 years. My drivers license is proof and my lease agreement to my apartment. I couldnt of purchased a car if I wasnt physically wasnt in the state. I was a resident of XXXX   then now a resident of XXXX. I have yet to see a car loan application, copys of any identifying information. After the response from my last complaint to the Consumer Financial Protection Bureau I sent the company certified mail which was later rejected and sent back stating it was the wrong address. But I clearly sent it to the address provided which was a XXXX XXXX In XXXX XXXX. I have made a formal complaint to the state bar due to the misconduct and false documents provided by Kirschaum, Nanney, Keenan, & Griffin, P.A.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-07-22
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: AFNI INC. (FL)

Re : AFNI, INC/XXXX  Account # XXXX I am beyond exausted trying to resolve this matter I'm currently experiencing with XXXX. Due to this issue I have experience such a hard time in life with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but hey have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and the camp where my children are enrolled which I don't know how they got the number to. They've called everyone in my life except my dog. This has brought on a lot of mental issues to the point I'm having difficulties all for an account I have no knowledge of. 

This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have this account removed from my credit report.
Consumer complaint received 2023-05-08
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.