davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-23
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

Experian lowered credit score by over XXXX points on one inquiry from XXXX XXXX XXXX. Investigation revealed that I could restore my credit score if I joined XXXX for {$9.00} XXXX  and purchased at least 2 of their credit cards. This is a scam! Also, elder abuse!

I merely wanted them to report my REAL score to increase credit limit at new bank. I inf
ormed them I had reported their scam to you.

Not surprisingly, credit score has gradually increased, but too late for review by bank. Have to wait at least 60 days! Person at card center XXXX XXXX  suggested I report them to you.
Consumer complaint received 2022-04-23
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. (NM)

XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Law Firm never answers their phone, lawyer committed fraud by removing XXXX XXXX from the debt owed without the creditors permission nor serving me. 

As XXXX XXXX is also responsible as he was a resident. I have emails where XXXX XXXX ADMITS HE WOULD PAY THE AMOUNT IN FULL. 

LAWYER XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX ( friend of LAWYER XXXX XXXX AND XXXX XXXX removed him from any responsibilities. 

PAYMENT HAS BEEN MADE and HAVE NOT UPDATED CREDIT REPORT FOR MONTHS! INTEREST KEEPS ADDING. 

WHEN TRYING TO REACH THEM. THERE IS NO ANSWER.
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (FL)

I used my TD Bank credit card for online purchases and to buy gas. During one of those transactions someone shared or gave my card number to 3rd parties to make fraudulent purchases, manually keyed in from various locations in the US, and FL in the amount of {$2600.00}. A TD Bank employee alerted me to the scam purchases when I went in to check my balances. He then called CARD SERVICES on my behalf however he misrepresented many items I was not sure about and without my permission " filed an official dispute '' contesting charges that I made along with the charges I did not make to this card services department. When I was able to see my actual credit card statement, ( this bank teller could not show it to me ) I was able to file an accurate report of the actual fraud. That report was ignored in favor of the unauthorized " report '' that unbeknownst to me was sent in by the bank teller. Repeated efforts asking TD Bank to correct the card account has resulted in TD Bank saying a chip was used when I got gasoline, for that reason they are throwing out all the manually keyed in transactions that happened before and after I did not make. I've filed a police report and turned it into TD Bank. They are by law only allowed to charge {$50.00} for unauthorized use of a card, when the fraud is reported and they are trying to charge me {$2600.00} and I have paid at least {$100.00} interest on this amount so far. I have never had a problem with the XXXX XXXX account I have had for 30 years but went with TD Bank, because it was more human. Unfortunately, that means more human error.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NE)

I attempted to use my prepaid card for a purchase at XXXX on XX/XX/22. I had to split between different cards as the purchase amount was greater than the amount on the prepaid card. The purchase was voided after my card was charged. The amount charged to the prepaid card should have been returned to it, but the refund did not appear in my balance. The store receipt shows the refund went to the card. The card transaction history shows the debit but does not show a refund. 
I submitted a dispute with the gift card issuer ( incomm ) and they denied my claim, giving me a non-sensical answer that didn't address the situation I described in my claim form. 
My gift card was purchased from XXXX on XX/XX/22. I disputed the missing refund with Incomm on XX/XX/22. I'm including the purchase receipt of the gift card, photos of the front and back of the gift card, transaction history of the gift card ( showing purchase but not refund, ) my claim form that I completed for Incomm and the store receipt showing that the card was refunded. Also included is the response Incomm sent me on XX/XX/22. This reports they found that the card was present for the transaction -- which was not the dispute. The dispute was that the refund did not appear on the card balance, as clearly documented in the dispute form I completed with them.
Consumer complaint received 2022-04-22
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. (TX)

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. 
XXXX XXXX XXXX, XXXX XXXX  XXXX, has violated my rights.

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.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WI)

For yrs prior to XXXX before Midland credit management sued me in XXXX, Wi I was a consumer violated by numerous debt collection practices. They called at wrong times numerous times of day, called exes or family members about my orig debt to XXXX XXXX and XXXX XXXX  When they served me court papers they didn't properly attach legal documents with their original complaint proving they bought or owned my debt or prove what the accurate amount of real debt even was. I tried to file an answer and motion to dismiss without prejudice stating my numerous reasons why. The judge didn't bother to hear my valid statements or make this company prove the debt was theirs to collect on or to prove if the amount they tried to collect was even the real amount. I was hit with two cases of judgments even though there are almost every state in the US that has shown numerous Class action suits against this shady debt collector company for all the same type of violations that happened to me. They have affected my credit score and keep changing the amount of debts owed each month on all 3 credit reporting agencies making the amount continue to increase sometimes twice in one month based on my credit karma report. I know this company has hurt thousands if not millions of other consumers for unfair often illegal debt collection practices and unfair lawsuits where they win judgments and we don't have proper judges protecting us consumers properly in court when the consumer has valid statements and requests. I believe the court in XXXX violated my rights not adhering to laws.to force this company to prove their burden of this supposed debts against me and the company Midland also violated numerous rights of mine by now damaging my credit with 2 seperate cases. I know Attorney general XXXX XXXX a few years ago won a XXXX XXXX dollar class action suit against Midland with XXXX other states for their shady practices against consumers and need some help on this. At the very least I am writing in hopes I can get these debts removed entirely off my credit agencies for good due to them not proving they even owned and bought my old accounts from XXXX XXXX or XXXX XXXXXXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Service Finance Holdings, LLC (TX)

Since XX/XX/2022 Ive made timely payments to Services Financial XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX for the financing of a Hot Water Heater / Furnace installed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Every single payment has rescinded, over and over again, claiming incorrect bank account number, incorrect routing number, bank rejected payment, system issues, phone payment system issues, incorrect bank account type ( s ) or system issues, no payments processing at the time due to faulty phone payment system. Ive paid them from four different bank accounts, set up auto pay, made payments with two managers on two separate occasions with the same outcome. For some ironic reason the same outcome no payments withdrawn but I get confirmation numbers. Payments rescinded over and over resulting in default and eventually property liens etc. They are reporting derogatory information ruining my credit rating and questioning my credibility to properly input or provide banking information .Finally, Ive had enough, I paid the entire balance XXXX {$3100.00} on XX/XX/2022, On XX/XX/2022 I received a call from collections Service Finance Company , LLC XXXX XXXX advising my account was over 77 days delinquent and I needed to make another payment, I was livid ask to speak with a manager who advised the clerks had been entering the incorrect bank type ( s ) and this is why payments were rejected resulting in negative credit reporting. He also said I needed a physical copy of the paper check in order to provide the correct routing and checking information, insinuating I provided the incorrect information on all eight payment attempts. This is not a trust worthy company, I do not recommend them to anyone, On XXXX XX/XX/2022 I paid again but this time the balance increased to XXXX, I asked why the increase on an interest free loan and I was advised after the first late payment that they incorrectly processed I began to accrue daily interest. I made a payment iao {$3100.00} on XX/XX/2022 and Im almost for certain this issue will repeat itself therefore Im submitting this complaint with a plea for help, I just want to pay this debt off. And to bring awareness to consumers so that no one else will be victimized like this. Fraudulent rescinded payments leads to asset management evolving into a legal matter. 

Please Help Me-
Consumer complaint received 2022-04-22
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. (OH)

This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-22
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. (OH)

This complaint to Experian was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

In response to CFPB complaint # : XXXX : My name is XXXX XXXX XXXX XXXX federally protected consumer, and I am once again making this complaint against NATIONAL CREDIT ADJUSTERS LLC . Theyre continuing to invade my individual privacy by committing hurtful, misleading, and unfair debt collection practices.

NATIONAL CREDIT ADJUSTERS LLC stated " Your account was placed into a cease and desist status which effectively terminates further communication in regards to your account. Further, NCA has placed your account into a disputed status which temporarily cease collection activity while NCA requests the account documentation from the original creditor in order to validate your account. '' You have violated the cease-and-desist notice that you received on XX/XX/XXXX via CFPB portal in reference to the above CFPB complaint #, because you're still furnishing this alleged debt to my consumer reports which is a form of communication as seen in Exhibits A in efforts of exhorting me to pay this alleged debt even when it is being " investigated '' which is a violation. Once again, I haven't received any documentation requesting validation from you before you committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If you have, can you please provide documentary evidence like the tracking number and return receipt verifying that I indeed received it?

NATIONAL CREDIT ADJUSTERS LLC stated " NCA purchased your XXXX XXXX  account on XX/XX/XXXX, with a balance of {$300.00}. NCA is the owner of your account. '' If you are the owner, can you provide me with the trilateral contract, that I have any legal obligation to pay you? Like I previously stated in my debt validation letter that you received on XX/XX/XXXX, this documentary evidence is imperative to receive, so that I can insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. I also have evidence of you manipulating the amount that is allegedly owed as shown in Exhibits B, C, & D.

NATIONAL CREDIT ADJUSTERS LLC stated " I believe this information should bring this matter to a conclusion with our office. '' I strongly disagree with this statement. Not only have you violated the cease-and-desist, but it shows that you clearly didn't read the attachments that I provided for you to review. You didn't provide anything in the letters that I have asked you, to prove that I have an obligation to pay this alleged debt to you. 

If any of the above can't be provided, this account must be removed from my ALL consumer report and files immediately to prevent further harm to me and my financial reputation, as well as cease and desist on all illegal activities.
Consumer complaint received 2022-04-22
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I noticed several charges come through on my debit card that i did not notice I called customer support to dispute them as I did not authorize them. 
While disputing these charges the rep found a bunch of older charges that were also charged but under a different company name and included those in the complaint. 

I received a letter from chase telling me that the charges were to old and I would not receive almost {$600.00} in unauthorized charged refunded to me. 

Since chase has never sent me a statement I was not aware of these charges I use the chase mobile app 's quick view feature to check my balances and login only to transfer between accounts and payy credit card so I never noticed these charges until the rep informed me of them. According to the account agreement it says I have 60 days to notify them once I learn of the unauthorized charges but XXXX states I have 365 days to notify them and various other federal laws and regulations state 2 years I feel that chase is allowing criminals to steal money from consumer accounts while offering no protection to the consumer. 

Chase states they monitor my account for suspicious activity but they have failed to find a random company charging my account under multiple names for the same dollar amount unusual however they constantly block my card as unusual on almost every weekly visit to the same grocery store and gad stations.
Consumer complaint received 2022-11-07
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. (TX)

THERE ARE ALOT OF FRAUDULENT INQUIRIES IN MY CREDIT REPORT. I HAVE REPORTED IT TO THE BUREAUS BUT I DID NOT RECEIVE ANY RESPONSE.