davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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: AMERICAN EXPRESS COMPANY (TX)

There was a hard credit inquiry from XXXX  XXXX XXXX on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. 

XX/XX/XXXX same hard credit inquiry happened but this time from American Express and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. 

On XX/XX/XXXX. A hard credit inquiry from XXXX was made on my credit and I have called and sent in several letters but nothing has been done about it. 

XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. 

On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which XXXX did not approve nor was I aware off. I have written to them also and nothing has been done yet.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian - BASICALLY I NEED TO TALK TO A HUMAN BEING AT EXPERIAN TO CLEAR THIS UP. IT IS IMPOSSIBLE TO REACH ONE THROUGH ANY OF THE 6 OR SO PHONE NUMBERS THAT WERE POSTED AND THAT I TRIED. THEY SEEM TO HAVE CHANGED THEIR VOICE MAIL SYSTEM AND THERE IS NO WAY TO TALK TO A HUMAN BEING. In XXXX they noted a fraud hold on my report and I could not remove it. I sent in a written request and they wrote that the fraud hold was released. On XX/XX/XXXX my bank tried to get my credit score and the system said that there was a fraud hold. I tried again online and could not release it. Somehow I got to a human being and was informed that there is no fraud hold, but that the address that I lived in 27 years ago is the address on the account. I was told to put in a notice of a new address - I could not do it online had have just mailed it. I opened an online file for my old address ( I still own that property, but rent it out ) and another for my current address. I then checked the reports ( both under my correct SS # ). Both reports had no credit information. I need them to get my credit information on my current file so that my bank can get a credit score. I CAN NOT REACH AN EMPLOYEE TO HANDLE THIS!!!
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management is using spoofed calling, trying to contact somebody named XXXX XXXX ( I've told them I'm not her ), calling my mobile number up to 5 times daily including weekends betweeXXXX XXXX XXXX  and midnight, even though I keep explaining that this has been my phone number for over three years! I do not know this person. I am not her, and I pay for this line via XXXX. The man I spoke with tonight gave me their address, so I can report them to this agency : Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX with a phone number of XXXX I just want them to stop interrupting my life.
Consumer complaint received 2020-03-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

AD ASTRA RECOVERY SERVIC 12 XXXX XXXX   XXXX XXXX Tried to collect {$640.00} through my XXXX  XXXX XXXX account though they had no access to my account information. I never gave them access to my account. I never did busy with this company.
Consumer complaint received 2022-04-18
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. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$3000.00} / XX/XX/2022
Consumer complaint received 2020-03-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONRAD CREDIT CORPORATION (FL)

Spouse and I took a vacation in the XXXX. We went on a tour for some free gifts to listen to a timeshare offer. We were told by the timeshare personnel that we could get rid of our current timeshare with XXXX and not pay any more maintenance fees. We were told that XXXX would be taking the place of the XXXX timeshare. We did like that aspect of the program and signed up. We were told if we wanted to take a vacation during the transition that we could call use the website app that we were given or call them locally to set it up. We could not log into the website and when we called XXXX in the XXXX, we were unable to get clear answers or were told we would be contacted at a later time. After contacting this company numerous times and getting the runaround on using the service, we realized that we were being scammed. We called XXXX in the XXXX to tell them we no longer wanted the service and to cancel the membership. We didn't get a clear answer with them only that we couldn't cancel and that it would be reported on our credit. Months later, Conrad Credit started calling to collect a debt. XXXX never got our timeshare from XXXX released, they did not follow through on doing that and we never used their membership. We were scammed and continue to get calls and letters from Conrad XXXX XXXX XXXX.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MN)

In late XXXX I was forced to cancel a planned vacation due to a serious illness. The trip was, in large part, charged to my Citibank XXXX credit card. I called, about XXXX XXXX to request the refund XXXX XXXX had returned to my Citibank card be transferred back to me, electronically. The amount was approximately {$12000.00}. The current credit balance is precisely {$12000.00}. To date I have yet to receive my money. 
The reason given to me initially was I had given them the wrong bank routing or checking account number. Though I had not, I provided the information again. After about one week I was told it would take another 7 to 10 days. Then another 3 to 5 days. Finally, I was told the problem was Citibank could not confirm the checking account I had provided was actually mine. So, we agreed I would receive a paper check. After a week I checked and was told a paper check would take 3 to 4 weeks. At this point I have zero confidence I will receive my money at the end of this time which is another 2 to 3 weeks away. 
Please see my emails to Mr. XXXX XXXX XXXX, CEO of Citibank. No response has been received to either of them. Please help me assure I'm going to get my money. I need it more than Citibank does.
Consumer complaint received 2023-01-08
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. (TX)

Account : XXXXXXXX XXXX  XXXX Account number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MI)

I have no knowledge of this account and have never been under contract with this company. I have tried multiple times to reach out to the company with no response for indefinite removal of this account that they keep trying to put on my credit report, in turn causing my credit score to drastically drop in the middle of my home buying process.
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gurstel Law Firm, P.C. (UT)

Harassing Phone Call received from Gurstel Law Firm ( Phone # XXXX ) on XX/XX/2020. At XXXX MST  Phone rang twice. Caller hung up as soon as I answered. 
Gurstel Law Firm is representing XXXX XXXX XXXX  in an attempt to collect a debt.
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (IL)

I submitted an debt validation request to XXXX XXXX XXXX on this debt in XX/XX/XXXX that was never answered. 

Instead, they have been contacting my relatives constantly over the past few months to get ahold of me, when they already have my contact information and know how to contact me. 

I spoke to XXXX XXXX on XX/XX/2020 and attempted to work out a Debt Payoff agreement. He said the client would only be willing to work with me if I provided the name of my employer, monthly household income, among other personal, irrelevant information. 

He also classified my account as pre-legal which he essentially characterized as them getting ready to sue me. 

I am trying to get more information on the nature of the debt which was never answered and hope to work with them to settle out what I owe, if anything. This agency harassing my family and asking for irrelevant personal information as a requisite to a payoff agreement is absolutely absurd and puts already vulnerable people at their mercy.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (NY)

I have one Wells Fargo credit card account and had four different card statements all from the same account with a closing statement dated XX/XX/2020 On XX/XX/2020, not one of those closed cards had a balance of over {$100.00} The new card had been generated XX/XX/20 and has been turned off since XX/XX/20 and remained off ever since. There have been numerous mistakes and payment reversals and misapplied payments
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CT)

A company receivables performance XXXX Is showing up as collections on my credit report for a account opened XX/XX/2020 with XXXX and a balance of {$270.00} first off I have a freeze on all three of my credit bureaus and no one contacted me prior to going in my Credit report they are putting me in collections as I did not open up an account with XXXX in XX/XX/2020. This company called about a month ago and I told them it was not me it could be identity theft as I do not have an account with XXXX and opened one XX/XX/2020 they told me they would remove it and instead they are reporting me to collections on all three of my credit bureaus and it is hurting my Credit and they lied to me stating that they would remove this instead they made it worse
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Called citizens one on XX/XX/2020 and was blind transferred to collections rep very snuggly and rudely told me I didn't know what I was talking about when I said that " false information had been reported by them to the credit bureau which violates the FCRA '' I gave attached screen shots which show the falsified info which this institution refutes bur told me " you haven't made enough payments for a deferment '' so that would mean then, if I'm not mistaken, the screen shotted remark would be false and citizens one should do the right thing b4 I seek legal representation for a blatant violation of the FCRA.
Consumer complaint received 2020-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating. 

On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$4500.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX. 

The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I phoned Capital One on XX/XX/XXXX, at which time I was informed by a representative that they had received the dispute on XX/XX/XXXX, but had taken no action. 

Background : I purchased a {$21000.00} elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Services purchased : *Premier  1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I requested that Capital One investigate and credit me back the amount paid for services not received.

I have yet to hear from Capital One regarding this dispute.
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$330.00} reported XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX / XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (FL)

I had taken out the loan for getting my debt cleaned up and also for things to maintain around my home. this loan opened XXXX and didn't realize additional fees were contingent to completing the loan. then over time i was behind on my loan and tried to work with One Main on this. I did not get assistance from them, but loan was given to an Atty and before going to court to be sued, i had to work out a payment plan to them. 

I know One Main is currently in a class action suit or becoming to be in one. due to this, and one main less then legitimist practices, i want to have one main pay off my loan obligation to the Atty and remove this from my credit report.
Consumer complaint received 2020-03-10
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. (AL)

Equifax has failed after two disputes to correct inaccurate information concerning XXXX XXXX. This account was paid last year and I have attached the letter from XXXX XXXX stating the account is settled in full. Please correct this inaccurate information.
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (IL)

My debt was put in bankruptcy later Illinois hardest hits paid a big chunk of the debt my mortgage company then started charging Illinois hardest hits a higher rate then what was still my mortgage know has never been over a thousand dollars they were charging them over XXXX per month from the month of XXXX to the month of XXXX the following year there continue to collect money from bankruptcy can they overcharge another entity is paying the bill
Consumer complaint received 2020-03-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I JUST recieved see attatched FROM USAA SENT XX/XX/XXXX WEB SERVICE. Better late than never. This is two years late. USAA IS NOT WEB ADA ACCESSIBLE. see enclosed UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX. Kindly Note the circled transactions * $ XXXX XXXX XXXX XXXX * XXXX XXXX those with stars PAID BY MERCHANTS XX/XX/XXXX. NO TEMP CREDIT IS NEEDED. THE TEMP CREDIT ** {$28.00} IS NEVER MADE PERMANET YET IS REVERSED PAID XX/XX/XXXX. BY MERCHANT AND REVERSED BY USAA {$28.00} XX/XX/XXXX INTO A PERMANET NEW CHARGE. ( (? ** USAA STEALS MERCHANTS CREDITS JUST PAID.?? ) all with stars paid XX/XX/XXXX The other two were paid by merchant see attatched XX/XX/XXXX statement. ( USAA ARE CRIMINALS STEALING ALL MERCHANTS CREDITS ** PRETENDING CONSUMERS GOT 2 CREDITS FOR ONE PURCHASE ) SO USAA TAKES BACK WHAT THEY NEVER GAVE OR MADE PERMANET SAME DAY MERCHANTS PAY OR FEW DAYS LATER. Also see attatched CRIMINAL INVESTIGATION LETTER USPS DELIVERIES NOT MADE Provide WRITTEN DOCUMENTATION THESE TRANSACTION WERE PURCHASED BY ME AND WRITTEN DOCUMENTATION TO VERIFY DELIVERED INTO MY HANDS. USAA NEEDS TO BE CHARGED. THIS IS A CRIME. USAA STEALS MERCHANT CREDITS HIDING INTERNALLY. USAA LEAVES CONSUMERS LIABLE FOR FRAUDS. USAA DOCUMENTS. INTERNAL CREDITS XXXX {$470.00} + XX/XX/XXXX {$700.00}. OTHER CREDITS + XX/XX/XXXX {$2.00}, XXXX. ( = TOTALS OF {$3.00}, XXXX ** SHOW ME WRITTEN PROOF OF USAA INTERNAL HIDDEN PERMANET CREDITS. AND WRITTEN PROOF OF DELIVERY INTO MY HANDS. ) TRUTH IN LENDING NOT HERE.