davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (OH)

On XX/XX/XXXX, I called the collection agency ( IQ Data International Inc. ) about an undated amount for my debt. I had went back and forth with the original creditor to get an updated amount because of previous negotiations. They collection agency gave me the updated about and continued to negotiate a pay-to-delete for XXXX. They stated that if I wasnt able to pay the balance by XX/XX/XXXX to call them and let them know. I agreed. I called back not 10 minutes later and told them that this agreement wasnt going to work. And they countinued to pressure me to ask family members and collect it somehow by the XXXX. I agreed and was told that if I can not make the payment by the XXXX, to call them and they would cancel the pay-to-delete and we would go to a payment plan. I agreed. On XX/XX/XXXX, I paid on the account {$1000.00} leaving a remaining balance of {$2300.00}. From that time till now, I have tried to come up with the money but things happened in our personal life and we werent able to pay the balance, even taking out a loan. In this amount of time I called the collection agency twice and the line went dead. I dont know if it was my phone or theres. Then on XX/XX/XXXX, I am called by the agency and from the start they attacked me for not paying. I tried to explain my situation and tried to get on a payment plan but they continued to ask where my money is going and being very unprofessional. She continued to say things like my amount could go up and that this would put some type of hurt on my credit. I asked for a manager and the manager was even worst with being unprofessional and yelling at me. I felt attacked from the moment I answered the phone so I reacted how they reacted and nothing really got resolved. I just found it really disturbing that at XXXX, I am being called and yelled at and questioned left and right. And from my phone records, this has been the first time they even tried to call me. That is harassment. They have recorded lines, so you should be able to here my frustration. This has effected me and my fianc emotionally, and it is a debt on both our accounts.
Consumer complaint received 2021-08-29
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: Bread Financial Holdings, Inc. (IL)

Victoria Secret is charging me XXXX dollars from recharges but I had also payed it off on XXXX. They have also closed my account access for Victoria Secret and I can't access that account and now they only call me to charge me about the card.
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

To whom it may concern, this is the response for the previous complain ( Complain ID : XXXX ) where an check issued by Citibank has not been received but later found cashed by someone else. I have been contacted by Citibank since submitting the complaint on XXXX and have provided the executed and notarized document ( Affidavit of non receipt ) to Citibank as request. However, there was no response despite numerous email to the customer service or Citi Benefit. 

For the ease of reference, please find below for the claim number and card info used during our conversation with Citi Bank Claim Number : XXXX - Citi card ending : XXXX Appreciate for your help last time and kindly assist following up this issue on behalf of us. 

happy new year XXXX XXXX PS. I can be reached by email ( XXXX ) or mobile ( XXXX )
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2020 I signed into my checking account to check my balance & after signing in saw XXXX was available.After checking the transactions, I saw {$1100.00} was available after my Social Security was deposited even though there was no Recent debits.I called the bank but they refused to explain the difference.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

I have reached out to credit company during the to let them know I was out my a job and if they could assist me. No one was able assist and I was charge with late payments and its also reported to credit bureau. In month of XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

My consumer credit card monthly payment is made thruogh direct withdrawl from my XXXX checking account. 
XXXX is initiated by CITI, on the XXXX of the month. Sometimes days laps before the funds are actually withdrawn. On XX/XX/year>, thinking the payment had been cleared I had zeroed my account, per usual. Citi initiated the withdrawl on the XXXX. Due to my inadvertance, I incurred an NSF fee from my bank in the amount of {$25.00}. 
Granted that was my fault. The problem is that citi attempted to withdraw funds XXXX more times for a total of {$75.00} NSF bank fess ; plus {$30.00} Citi late fee. This all happened before I had opportunity to respond to them and correct the issue. 
Their policy of initiating withdrawl multiple times when after the first time the funds are not available is costly to their customers. 
XXXX NSF fee ; XXXX late fee -okay fair enough. 
But the extra {$50.00} expense is an unecessary burden and should be precluded. 
Citi did send me emails and left an auto mssg. But by the time I was able to respond, I'd already been charged multiple fees. 
i immediately made the payment. A fair policy would be that after a first attempt to withdraw funds resulting in NSF. Creditor should be required that thy first establish communication with their card holder prior to taking futher action. 
Inadvertance should not be cause for excessive, multiple fees. 
Thank you for your attention.
Consumer complaint received 2021-08-27
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: Mr. Cooper Group Inc. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NSTAR/COOPER  Account Number : XXXX This is not mine.

2. Identity Theft Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.
Consumer complaint received 2017-09-09
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. (GA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that Equifax rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by Equifax and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2020-06-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to the companies several times to handle this particular matter. These items are causing my report to look bad and it is tough to get approved for apartments. Please help with this issue.
Consumer complaint received 2021-08-28
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. (TN)

I have tried to call experian several times at XXXX and can't reach a repersenative. 
I have been trying to call about XXXX XXXX account. To my knoweledge this account was deleted om XX/XX/2018 report number : XXXX, this letter was mailed to me. I never recieved a letter saying the account would be reinserted. Please send me proof that you informed me that this account will be reinserted. The FCRA stated that the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion.
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Several Weeks Ago I did an annual credit report pull and I noticed some fraudulent behavior, I was charged {$840.00} from I.C. Systems w Inc XXXX XXXX XXXX On my XXXX  Account. For an account Ive never personally seen before which brings me Slight Concern.
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (LA)

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Consumer complaint received 2023-03-15
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. (TX)

This is in response to complaint XXXX that I submitted to Equifax. The complaint was closed because they stated that the company was not reporting on my report when in fact it is, they are just reporting the wrong name which is even more reason for this account to be removed. The original creditor is XXXX XXXX and XXXX and XXXX are reporting the collection agency as XXXX XXXX and XXXX XXXX while Equifax is reporting XXXX as the agency name. Please see the attached credit report to show the inaccuracy that is reporting as well as the last complaint advising the credit reporting agencies to remove the account due to incorrect information and the fact that the original creditor stated that the account would be removed once paid. I am demanding that this is removed within 15 days, or I will move forward with legal action.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (HI)

I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through experian, and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with experian. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with experian. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine. 

XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$2700.00} XXXX XXXX XXXX # XXXX {$620.00} XXXX XXXX XXXX # XXXX {$2000.00} XXXX XXXX XXXX # XXXX {$2400.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX # XXXX {$1000.00}
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MO)

In XX/XX/XXXX, I used my Chase credit card to make two purchases for stock and option trading services from XXXXXXXX XXXX XXXX in the amount of {$5900.00} ( two transactions of {$2900.00} ). Due to the company not providing the service ( s ) that I purchased, I disputed these transactions with Chase Card Services and faxed a formal signed letter to Chase Card Services per its request. An interim credit was issued while Chase allegedly conducted its investigation. However, some time later Chase informed me that it was siding with the merchant ( without explanation ) and re-billed me for those charges in XX/XX/XXXX. I filed a subsequent complaint with Chase because I still wasn't receiving the services that I had paid for but Chase indicated that there was nothing it could or would do. 

I continued to press the merchant, XXXX XXXX XXXX, for quite some time and eventually started receiving the services that I was expecting. In early XX/XX/XXXX, the service ( s ) stopped and calls and emails to it's Customer Support went unanswered. 

I subsequently learned that the Federal Trade Commission ( FTC ) was suing XXXX XXXX and XXXX for XXXXonsumer fraud and had filed its lawsuit on XX/XX/XXXX. I filed complaints with the FTC and XXXX XXXX XXXX. The FTC indicated on its website that I should contact my credit card company which I did. I called Chase Card  Services on XX/XX/XXXX and was told to submit my dispute in writing which I did. However, in spite of all the new information, Chase Card  Services representative, XXXX, a supervisor, has told me that there is nothing that it can or will do.
Consumer complaint received 2021-08-27
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. (DC)

Two of my three consumer credit reports ( XXXX  and Equifax ) are each erroneously showing a single 30-day delinquency on my XXXX XXXX XXXX installment loan ( account no. XXXX XXXX, while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/XXXX, while Equifax shows a 30-day delinquency in XX/XX/XXXX. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of XXXX XXXX XXXX on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

XXXX XXXX XXXX and Attorney Hunt & Henriques ( collection agency ) is trying to collect a credit card debt XXXX even though the statutes of limitations has ran out. The Judgement was issued in XXXX by XXXX XXXX XXXX Court  , XXXX of XXXX XXXX but I was never served or receive notice from the court until the Judgement Levy was received at my employment XXXXThe Judgement Levy garnishment amount XXXX demanded in full to be sent to the Sherriff. I contacted Hunt & Henriques and explained that I had no knowledge of the debt, judgement and they did not want to vacate the Judgement. I filed a motion to vacate judgement pro per and to set aside default it was declined on XX/XX/XXXX in the XXXX XXXX XXXX Court claiming i was served by a process server but no actual paper work was presented or needed to prove I was served in XXXX According to the Judge .I attempted to explain that XXXX XXXX XXXX has been using the tactics of going after consumers for collection of bad debt even though the statutes of limitations had run out and also using robo-signing affidavits the Judge declined to hear it. XXXX XXXX
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.
Consumer complaint received 2020-12-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated XXXX XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.