davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

Since XX/XX/XXXX, I've sent Sagestream , LLC Personal Identifiable Information in regards to a Security Freeze and requesting a copy of my consumer report by regular postage. During this duration ( 4 weeks ), I have yet to receive a confirmation of a security freeze, PIN number or security freeze. I've attempted contacting them on XX/XX/XXXX in regards to confirming that they received my personal identifiable information and a security freeze was placed as well as sending my consumer report. Their contact number, XXXX, has given options to speak to a representative but only forwards the call to a voicemail. On XX/XX/XXXX, another attempt was made online to place a security freeze & receive a copy of my consumer report. 

After several attempts to contact them within 2 weeks with leaving voice messages, I receive no call, confirmation letter & PIN number if a security freeze, and no consumer report. On XX/XX/XXXX, I once again send an online request for a security freeze and consumer report. I try once again to contact Sagestream , LLC in regards to if they have received my Personal Identifiable Information & when will my security freeze confirmation and consumer report will be sent. It seems Sagestream , LLC, despite having a phone system set-up, no-one is every available at their offices. Despite calling numerous time and leaving voice messages, no one answers, calls get forwarded to voicemail, and no-one returns voice messages. 

Over 2 months has passed and they are harboring my Personal Identifiable Information with who knows who has possession of them. As well, I have not received my consumer report or confirmation of security freeze. Neither have I received one phone call or contact within that time confirming a freeze despite leaving voice messages several times within 7 weeks and calling during normal hours of business operation. On XX/XX/XXXX, I've decided once again to send a request via fax to Sagestream , LLC to the number stated on the site ( XXXX ) .I 've sent the fax twice containing my Personal Identifiable Information to secure a security freeze and request consumer reports information. Also, on the same day, I've sent a request for a freeze and consumer report via registered mail to their P.O. Box in XXXX XXXX, California ( XXXX. XXXX XXXX ) with USPS Priority with Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX. 

It's been about 11 weeks since my first request, 7 weeks since my second attempt, and about one week since my last attempt ( and will be my last ) in regards to placing a security freeze and retrieving my consumer report. They have been unresponsive, uncooperative, and harboring Personal Identifiable information of consumers who wish to recieve a copy of a consumer report and/or requesting a security freeze.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DIRECMANAGEMENT, INC. (AL)

there is a medical bill on my XXXX credit reporting from XX/2012 a medical bill from XXXX XXXX  XXXX. I filed chp XXXX on bankruptcy and this debt was included in that bankruptcy. direct management is still trying to collect money from me for this debt but yet it has been validated and confirmed that this debt was included in the bankruptcy.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not open these accounts these accounts do not belong to me. These accounts are fraudulent and should not be on my consumer report by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX...
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On or Between XX/XX/2023 and XX/XX/2023, I was informed that a collection entry was erroneously reported to TransUnion. As a result, my transunion credit score dropped XXXX points. Following clarification with the original creditor, XXXX XXXX XXXX who promptly ordered the collection company ( XXXX XXXX ) to REMOVE/DELETE the collection account from my credit report. Between XX/XX/2023 and XX/XX/2023, This XXXX XXXX collections account ( Account Number : XXXX ) was removed from my credit report. However, despite the removal of the erroneous collection, my credit score has not been restored to its previous state.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have two credit cards with Capital One. I added several contractors who work with my family real estate business to pay for repairs as needed. I never gave them the cards, I was if I need them to pay for repairs on site. Capital One restricted my account and ask for the employee ids and social security cards. I did what Capital one requested but never received an answer, so I paid off my account, request them to release my rewards and request they close my account. It has been several months since they restricted my account. I can't use my rewards nor my cards without any explanations of the cause. Even after paying off the account they haven't released my reward, credit balance nor close my account as requested for several weeks.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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 2019-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union an XXXX continue to accept and report false information from XXXX damaging my XXXX, credit score. Account was closed as a charge-off and was a by=business account. They ignore repeated statements and copies which show its not my account. Also stop reporting false addresses for me. They have been sent numerous times supporting id documents with my correct address. XXXX is using a false address.
Consumer complaint received 2019-01-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance America, Cash Advance Centers, Inc. (SC)

I received a call from a number with blocked caller ID. The person on the line represented themselves as a Compliance Officer with the State of South Carolina and advised that they were locating me at my residence or place of employment in reference to a case being filed in XXXX County. I was given case # XXXX and instructed to contact XXXX. When I contacted the number given, I advised that it is illegal to represent themselves as government officials. She never gave me the name of the company and refused to send me anything in writing to validate the debt. The representative only advised that she would be finalizing my case for court since I would not make payment via phone. I advised that I had been contacted in reference to the company Advanced America before and asked for information in writing to validate the debt and if valid make arrangements but was advised that they were just going to take me to court. The young lady stated that if I wanted something in writing then they would just handle it in court. At that point, I advised that I could no longer continue the call because I was at work. It is illegal for them to represent themselves as government officials and needed to make you all aware of the issue.
Consumer complaint received 2019-01-28
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. (NC)

My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FRANKLIN LOAN CORPORATION (CA)

I am a mortgage broker that worked with a home buyer for over a year preparing them to qualify for a home.The borrower found a home and used the listing agent to represent them. The list price for the home was {$280000.00} and the listing agent 's representative, XXXX XXXX XXXX license # XXXX required the buyer to be cross qualified with a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The borrower approved me sending a complete loan package, far more than what a traditional cross qual would require. After the buyer was cross qualified, the listing agent then submits to the buyer a counter offer, raising the price $ XXXX higher than what the property was listed for despite there were no other competing offers. I believe this occurred after the MLO saw the buyer could qualify for a higher price. The counter offer also stated in writing that the buyer must go with XXXX XXXX XXXX. The buyer called me to complain saying that the seller is paying nothing towards any of the buyers traditional costs and that the listing agent representative, told him the only way to get this home would be to use XXXX XXXX or the buyer would not get the house. This agent did not in any manner whatsoever, act in a fiduciary responsibility to the buyer and I believe violated real estate fiduciary laws. I also believe the loan officer, the realtor and the seller, who is an investor flipping properties, are in collusion to control the whole transaction and to employ an appraiser that will give the home this inflated value. The house is far above any other price in the neighborhood. I believe the realtor, loan officer and seller/investor are participating in some manner of " steering ''. The buyer not only confirmed with me that he had no choice in choosing his own lender, but also the lender he is being forced to use is charging him a higher rate and fees. 

The actual listing agent, XXXX XXXX XXXX # XXXX is also the company broker and I do not believe he at anytime supervised his representative 's actions as required by XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (CA)

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX/ ) by this person from XXXX  ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX, XXXX XXXX, XXXX, Ria, XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX XXXX XXXX. Please help me, what should I do to get my funds back.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX or there about i contacted XXXX  XXXX  to have the electricity turned on, the XXXX  XXXX  rep informed me that she could not start an account without additional id and a trip to XXXX because i had placed a fraud alert on my equifax account..so immediately i contacted equifax via the website, there i could not be identified and was directed to call equifax. I called equifax, the computer that answered first could not verify my identity and referred me to the website, after a time i found out how to get an agent who promptly told me to call back in a few hours, equifax was having trouble with their computers. I tried again later with the same result. A week later on XXXX i called equifax again after being referred to the phone number after trying the website, here service was great and it looked as if some progress was being made, i let them know i wanted to lift a fraud alert, he changed the terminology to credit freeze, flag no 1 ... i have requested neither fraud alert or credit  freeze from equifax, until recently i havent given equifax permission to do anything for or to assist me, so the rep continues to attempt to verify my identity and the last question was about the date of the last activity on my accounts fraud alert/ credit freeze ... .how would i know? I didnt place either, my suspicion is that equifax did after the security breach. So how would i know the date of its last activity. And if equifaxs ' main priority is to protect that account it seems  incredulous to use recent account activity for identification purposes ... i mean really ... i can steal your id, start new account activity and your going to use that activity to identify the rightful owner of the account? So i ask to speak to a supervisor because the rep is asking me to mail in documents that i currently dont have.maybe i should have those documents but i dont and i havent requested anything from equifax and i doubt seriously that my id has been stolen, no one would want to be identified as me i promise.anyway the rep searches for a supervisor for several minutes only to return and say he cant find one ... so my 6th contact with equifax and im still no closer to resolving the issue than i was when i found out about it, and my electricity still isnt on. I dont know what value can be placed on that, or the fact this freeze is most likely why i havent been able to get credit in years, a freeze i did not request, but i intend to find out and seek to recover if possible.
Consumer complaint received 2023-06-26
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. (IN)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2023-01-15
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: Bread Financial Holdings, Inc. (MD)

Purchased the XXXX  XXXX XXXX XXXX scheduled for XXXX XXXX for XXXX dollars from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and was informed at XXXX via email from the company that the XXXX XXXX XXXXXXXX XXXX has been cancelled by the hotel ( XXXX XXXX XXXX  ). I contacted the hotel early in the morning to be told my reservation was cancelled due to non payment from XXXX XXXX or its affiliates. This message is also on the hotels website ( XXXX XXXX XXXX ). Company policy states any monies received from the customer attending the event will immediately go to lodging, etc., which was never properly executed by XXXX XXXX  or its affiliates, which ultimately resulted in XXXX XXXX XXXX cancellation of my reservation as well as hundreds of other customers. 

I contacted the credit card company XXXX XXXX XXXX XXXX  ( Comenity Capital Bank ) informed them of the fraudulent situation executed by XXXX XXXX and kindly requested disputes for all charges made to XXXX XXXX, and the Comenity Capital Bank denied my request for dispute due to date of transaction. I feel this is fraudulent transactions which should constitute dispute of these charges. The other credit card company I used for payment to XXXX XXXX  allowed the dispute due to the fraudulent transaction. I have documentation of the fraudulent transaction from company and XXXX XXXX XXXX. 

XXXX XXXX XXXX cancellation message XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
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: EOS Holdings, Inc. (LA)

I've been disputing this inaccurate account for over the past year via USPS Certified Mail. EOS CCA the information furnisher that's recorded by XXXX  records this account that Re-Ages every month when this collection agency falsely states that this account has been verified, this account is now Re-Aged to XX/XX/2021. This account still reports an inaccurate OPEN account status. This is unlawful reporting, delete this inaccurate account immediately because it is in violation.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-05-12
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: Spring Oaks Capital, LLC (SC)

Ive reached out to this company to get clarification on the item that they reported on my credit. I never received any documentation from them in writing, and dont know who or what this company is and the item they are claiming is mine. This is in violation of my consumer rights and I will be seeking legal advice and/or pursuing to seek legal actions against this company for the inaccurate information that is being reported and hurting my credit. This has caused great stress on me mentally, emotionally and financially.