davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

I've disputed several creditors numerous times due to a false report made on my credit for a " medical bill '' they have all taken the debt off of my credit report ... fast forward to today I went to check my score ... There is a Phenix Financial Services trying to collect this same debt! Which in the past other creditors have tried to collect and when disputed it was taken off ... With Phenix I've sent them a request asking them for proof of debt about a year ago and it said it was removed but it's back on there! THIS TIME IT SHOWS THE SAME AMOUNT {$1100.00} REPORTED 8 TIMES IN THE SAME DAY FROM THE SAME ORIGINAL CREDITOR " XXXX XXXX XXXX '' with " PHENIX FINANCIAL SERVICES '' TRYING TO COLLECT ... Then there is another one with a different price of {$580.00} THAT IS LISTED TWICE IN THE SAME DAY by the same collections agency " Phenix '' for the same original creditor! Then it shows AGAIN for the amount of {$110.00} by them! So now I have 12 times in the same day Phenix reporting to my credit to collect a debt they bought from XXXX XXXX XXXX that I've disputed in the past and it had been removed! I don't even know who XXXX is or what Medical debt they're talking about? I never recieved a bill either! I'm a hard working mother of XXXX I've been saving for the last 12 years to put money down to buy a home I've been working on my credit for the last 6 year 's and now I have to deal with this! If this isn't illigal it ABSOLUTELY SHOULD BE! 12 TIMES! THE SAME AMOUNT IN THE SAME DAY FOR THE SAME THING?! THEIR BILLING PRACTICES AND DEBT REPORTING ESPECIALLY DURING A TIME LIKE NOW WITH COVID GOING ON IN THE MIDDLE OF A PANDEMIC WILL CAUSE ALOT OF HURT AND A LOT OF DAMAGE TO FAMILIES TRYING TO DO THE BEST THEY CAN IN THESE CIRCUMSTANCES! THIS IS NOT RIGHT and I ask that you please look into how they do business.
Consumer complaint received 2022-12-26
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: JPMORGAN CHASE & CO. (DC)

I called the XXXX XXXX XXXX XXXX on XX/XX/2022 to make a reservation for XX/XX/2022 under a wedding block. The reservation had to be made over the phone because their website does not support wedding block discounts. After making the reservation, I did not receive a confirmation email ( after speaking to other guests at the wedding, no one received a confirmation email ) and had to call back twice before actually receiving an email with a confirmation number on XX/XX/2022. There are no other details included in this email. On XX/XX/2022, XXXX charged my credit card for the room. On XX/XX/2022 when attempting to check in for my reservation, the hotel claimed they had nothing on file. I presented the email confirmation number as well as the charge. The front desk attendant explained that they would not charge for a room until after the stay and that the confirmation number was not in the format the hotel uses. She guaranteed me a refund for the initial transaction. She provided this guarantee on XX/XX/XXXX at check in and again on XX/XX/XXXX at check out. ( There are multiple witnesses to these conversations. ) I began calling the hotel daily for two weeks post checkout. The manager claims that I was a no show in XXXX. There are transactions posted in XXXX on this same credit card in Virginia. Chase authorized a fraudulent transaction for a service I did not agree to. I filed a claim with Chase at the end of XXXX. I filed a complaint with the XXXX XXXX XXXX Both Chase and the XXXX  sent responses saying they could not reach the hotel. Chase reversed the reimbursement. I immediately called Chase and asked for the evidence they collected from the hotel. They could not provide anything. A representative recommended I report it as fraud. On XX/XX/2022 I received a call from Chase saying they could not reach the hotel and had been attempting to for weeks. This representative stated the charge would not be put back on my account. On XX/XX/2022 I noticed the charge was back on my account. I called Chase to file a complaint, giving the details above for the XXXX time. I have proof that I was not in XXXX, Washington in XXXX. Chase is siding with a merchant who has no valid documentation of a no-show because that reservation was never made.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (NJ)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but experian is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MO)

Hello Im seeing that i have a XXXX account in my name someone used my information too get cell phones and i been trying too dispute since it happen i havent had any luck its dragging my credit down and i wan na try and get it taken off as soon as possible
Consumer complaint received 2022-12-25
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. (TN)

XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your Paramount Loan is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.
Consumer complaint received 2021-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I have never received any communication from XXXX, and do not acknowledge the debt as my responsibility. Additionally, XXXX lists a wildly deceptive date for the opening of that debt ( XX/XX/2020 ). No communication, and false information regarding the age of the debt.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (GA)

I've tried twice now to link my PNC account with another account ( once on XX/XX/2020 at XXXX. and once about a month before at XXXX ) using XXXX, but I'm being informed the PNC has made a change the prevents me from being able to link accounts.
Consumer complaint received 2019-12-31
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
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 ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They have violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that the consumer does not initiate.
Consumer complaint received 2022-10-05
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. (GA)

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. 

Account name # XXXX XXXX XXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX  XXXX , Account name # XXXX XXXXXXXX XXXX, Account name # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX 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 an 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 2021-09-06
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. (PA)

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!! 
I would like them to take this off my credit report and do not try to put it back on my credit report.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Bank clearly stated after I had applied for a credit card, that I would not be penalized nor a record report on my account after such application was denied.
Consumer complaint received 2024-04-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

I called XXXX in XX/XX/XXXX to tell them I was selling my home and to cancel the service. They refused to cancel the service. I have month to month service and was able to cancel. My house was sold on XX/XX/XXXX and now I am being sent to collections for not canceling the service. 

Account number XXXX. 

XXXX assigned this to Sequium Asset Solutions , LLC located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / agency Account number XXXX
Consumer complaint received 2022-12-26
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (SC)

I was told at my appointment XX/XX/2021 that this amount had been either paid by insurance or written off and I have a statement from the provider that shows a XXXX  balance. Now, a year later, this " TekCollect '' company out of nowhere says that I owe this amount. There is much more detail in the attached statement of what has occurred. TekCollect flagged my credit report with unpaid debt FOUR DAYS after the first telephone call to me and they have not returned my phone call to get this resolved. My credit score has gone down XXXX points due to this.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (NC)

Inquiries that I did not apply for nor benefit from and would like them taken off my credit report immediately. My identity was stole recently and I filed a FTC report as well to go along with my claim. Please remove the inquiries from my XXXX  and Equifax credit reports. My Information was stolen and used to apply for credit. According to 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.
Consumer complaint received 2022-12-27
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. (PA)

Experian Credit Reporting has left a fraudulent Hard Inquiry on my personal file from XXXX XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted XXXX and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance
Consumer complaint received 2019-02-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NY)

I call XXXX XXXX and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000. I told them that the account amount was incorrect and I have proof, which is XXXX. a letter from XXXX stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I had put a freeze on my Equifax credit report due to fraud I was given a pin to access my credit report or to temporarily lift the freeze I am not able to log in so I called the Equifax customer services to talk to someone who prior had ask me to send a copy of my ID and proof of address which I had done 3 times since all 3 times they claimed was never received. I even offered to give them my pin for my report but they would not accept a pin they gave me. To make a long story short Equifax is denying me of my credit report o line and a right to lift the freeze off my account.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

Deposited {$2100.00} to my Ally Savings account, used the bucket system to organize my money. Checking account had XXXX  setup for my Gas and Tolls for work. 

Then yesterday company tells me my account is locked and frozen. Funds will be unavailable until an 'investigation ' takes place. 

Upon calling and talking to multiple departments, confirming my social security number IN FULL, not the last four. MY FULL SOCIAL. I am then transferred to ANOTHER department which then ask me to confirm my social last four only. Then 5 security questions among other verifications. 

Put on hold another 5 minutes and then I'm told that I've logged into my banking app over 500 times opening an account, they asked me 'Why is this '? What am I supposed to say? Because I can? 

They then asked me what devices do I use to login, what cell phone provider do I use. Who's my internet provider. WHY?? This is beyond personal at this point and not part of verifying the account is mine. 

At this point the rep on the phone with zero remorse says. Funds will be held and locked for 3-5 business days. Online looks like this process is actually around 30 DAYS. 



At this point I am done with this Ally Bank, I want my funds and will close my accounts to go elsewhere, this is ridiculous.
Consumer complaint received 2021-09-06
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. (NY)

XXXX I noticed an unusual drop of about 50 points on XXXX  and XXXX. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.
Consumer complaint received 2020-01-07
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LendKey Technologies, Inc. (MA)

I had a student loan with Lendkey which was on deferment while i was exploring opportunities to refinance. In late XXXX Lendkey notified me that I had to make a payment before XX/XX/XXXX otherwise my I would be reported delinquent. I made the payment on XX/XX/XXXX and received a email notification the payment had been processed successfully. On Friday XX/XX/XXXX i received a call from the collection department form Lendkey, asking for a payment. I informed them the payment had already been processed. They told me I was still due. After requesting a manager on the phone i found out the person who processed the first payment had used my outdated bank account number. I immediately updated the information and made the payment. 
I do not believe Lend key made sufficient due diligence to let me know the first payment had not posted yet. Because of their email stating the payment was successful I had no reason to believe it had not posted as no one contacted me to let me know it had failed. I am asking Lendkey to reverse their negative reporting to the credit bureau.
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

My student loan payments were marked as payment returned by bank, a few days after but my bank has no record of the charge even being attempted. This occurred around my due date and caused my payment to then be overdue. I attempted to pay the overdue balance again, and was given the same payment rejection message as before. My bank is well aware of the situation and if the charge was properly made there should be no problem in paying it. This was all done through EdFinancial. I attached an example of one of the messages they sent me about my payment, which happened for every loan I tried to pay.
Consumer complaint received 2022-12-27
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 (CA)

I suffered a theft of my debit card information. Transactions were made without my authorization and consent. I have notified Bank of America about the following transactions that have taken place. Bank of America originally denied my dispute and claims. Bank of America has not conducted a thorough investigation. They haven't reached out to me to investigate the matter. I have appealed their decision and have also filed a FTC report. This complaint will be faxed over to Bank of America along with the FTC Identity theft report. 

The claim number associated is claim # XXXX the transactions that fraudulently took place are the following. 

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