davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Affiliated Collection Services, LLC (NJ)

Accurate Collection Services XXXX XXXX XXXX XXXX Services : XX/XX/XXXX, XXXX XX/XX/2020 Patient : XXXX XXXX Account XXXX XXXX Amount : {$2800.00} The hospital has accepted our monthly payment {$50.00} for 4 months and now I get a Threatening letter from their Collection Agency above . 
I have no assets or extra money, I am unemployed plus the pandemic, First they agreed and now they are in a rush, I have a number of Creditors after me for the same visit to the hospital & same date, as all that enter the room to say hello now is sending a bill for over {$1000.00} I am struggling not to get evicted and these people hit you at your weakest time & place of despair.
Consumer complaint received 2021-08-07
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. (FL)

Upon checking my report, I noticed Equifax still reporting in inaccurate information. The following accounts are fraudulent. Equifax is the reporting agency who keeps saying its verified. How can Equifax verify a fraudulent account. 

1. XXXX XXXX ( XXXXXXXX XXXX ) {$350.00} Ive never done business with this company or entered into a signed contract. Its fraudulent!! 
2. XXXX XXXXXXXX ( XXXX ) Ive never done business with this company or entered into a signed contract. It Fraudulent!! 


Please See Attached Ftc Report
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IL)

On XX/XX/2021 a charge to my Netspend account for {$88.00}. This charge was initiated by a XXXX purchase that I did not make. I called XXXX the same day and was able to get the charge canceled due to it still being in the pending status in my Netspend account. 

XXXX cancelled the transaction and everything was okay. As a precautionary I changed my password to XXXX, canceled the current card with Netspend and ordered a new one. Also reported that the charge of XXXX XXXX with Netspend, was indeed fraudulent as well. The next day I get a notification of a XXXX $ overdraft fee being charged to the account, at this time the account is now in the negative for XXXX or so. I called and spoke with a representative XXXX, I explained the situation in regards to my account with XXXX being compromised, I also informed her my XXXX cards were compromised as well to let her know I was going through a time where someone had accessed all of my information. XXXX said she understood due to the card being canceled there was nothing the company could do until I get a new card. I ended the call and received the card on Sunday XX/XX/2021. I activated the card, and saw that there had been no reconcile with this account. I called Netspend again on XX/XX/2021, per the representative that day, they have to take 45 days to investigate, upon that my account will still reflect in the negative balance. Due to me having my own check deposited in this account, the reprasentive assured me I would be responsible for the fraudulent charges when my deposit hits on Tuesday. I asked that the account be closed, the account was indeed closed and closed at a negative balance. Netspend shouldnt hold their customers responsible for fraudulent charges. I also have all of my documentation from XXXX as XXXX saw it was a third party user and not myself so I do not understand why I would responsible for this.
Consumer complaint received 2021-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Several times in the last 2 years, EXPERIAN has dropped my credit scores when absolutely nothing has changed or according to credit score criteria my score shold have increased. EXPERIAN has been aggressively pushing an invasive program called EXPERIAN BOOST for the last 2 years at least which allows EXPERIAN to gain access to your Checking/Savings accounts in return for a possible score increase. At the very least 2 times in the last 2 years EXPERIAN has dropped my score when the criteria indicates a score increase or at the very least no change at all. 

Both XXXX  and XXXX have increased or left alone my scores during the times of EXPERIAN dropped my scores. 

The only difference is that XXXX  and XXXX  have not offered a BOOST type of privacy invading program. 

Experian may as well just accept money to increase your scores. But that doesn't happen does it ... YET?!?
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-08
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. (LA)

I have contacted the following creditors explaining I never applied for correct with them as Im not in market for a new auto loan : Equifax XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX  XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Indicated there was suspected fraud of {$35.00} to a family member of mines. I am the party who initiated the XXXX payment back in XX/XX/2020 and just now received a call from Navy Federal that my XXXX  was disabled. 

I have repeatedly tried to resolve with Navy Federal and XXXX but so far have gotten nowhere. 

There is proven messages this family card was stolen and she gave them a break down of what charges she knew were valid including mines. 

Navy Federal or XXXX has tried to assist in this matter. All they keep telling me is there is no Appeals process. 

Please can someone help a consumer because this bank and XXXX is not helping.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America revoked my credit card without any explanation and deny to issue new credit card. I have been Bank of America customer for 21 years and always used their cards and services without any late payment or mis use of their services and have credit score of above 840. Their customer service is not knowledgeable and able to resolve the issue after one year of calling back and forth.
Consumer complaint received 2024-03-27
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. (NC)

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.

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 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (WA)

XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified XXXX of his death and subsequently provided it with the documents issued by the XXXX. XXXX assigned it to Ascension Point Recovery Services ( ARS ). ARS advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of Mr. XXXX ' death. I asked and their representative could not tell about repayment deadlines. ARS 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to XXXX : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called Ascension & asked for a balance. Their Representative said the account was returned to XXXX in XX/XX/XXXX & gave me a phone number to XXXX XXXX XXXX. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called XXXX & spoke to Representative # XXXX and asked how XXXX got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of XXXX in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from XXXX dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Data Finance, LLC (AL)

In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-08
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. (TX)

On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 XXXX/TransunionXXXX  have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent XXXX/Transunion/XXXX  the request for removal and that they have failed to act. This item is still being reported.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from National Credit Adjusters. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I called my bank today in hopes to reverse the XXXX payment I made to someone who claimed to be someone theyre not and claimed they help with students and finances. They sent me fraudulent checks that have now been bounced, but had me as a middle man to send money to others. I sent {$500.00} of my own money to a XXXX XXXX XXXX at XXXX and the phone number of ( XXXX ) XXXX I was first met with a very rude person whom I do not know the name of who said they can do nothing, later a very nice woman told me the same thing, but including that each bounced check will cost me {$12.00} each and I deposited two fraudulent checks. There must be more that can be done.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

I have a BinanceUS account that was completed verified and was able to do normal transactions. Today ( XX/XX/2021 ) I have received an email asking for a Video verification that I have sent. I was able to deposit more money into the account, but when I try to withdraw my money it is saying that " withdraw is suspended for XXXX XXXX ''. I have sent email, open tickets and even contact them on twitter with no response and still not able to withdraw my money. Now i have {$690.00} on this exchange that i am not able to send to my account. I really appreciate your assistance with this matter.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc. (NJ)

A R Resources put this medical account on my report without first following proper Fair Credit Reporting Act. Specifically, I had Health insurance during the time in question. The bill should 've been sent to the insurance company, instead of just putting it directly on my credit report. AR Resources failed to first contact me in regards to resolving the matter prior to putting it on my credit report. I did not receive anything pertaining to this bill. I got notice when running my credit report. Please remove this account. 

Moreover. AR Resources had the account as closed, then reported it as an open collection. Please remove this from my XXXX and XXXX reports immediately.
Consumer complaint received 2021-07-07
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: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.