davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (MD)

The following accounts on my Experian reports have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX XXXXXXXX : ) Experian lists the account as 30 days late in XXXX XXXX XXXX and XXXX indicate always paid current,
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

In XX/XX/2022, I contacted Comenity CB ULTAMC to determine all amount, outstanding under the credit card issued by them and to close my account. I simply no longer wished to maintain unnecessary credit cards above and beyond my primary bank issued credit cards I had had for years. I advised Comenitys representative over the phone that I wish to be advised of all amounts incurred under my credit card, gave the representative my XXXX, routing and account numbers authorized Comenity to withdraw all amounts, incurred, whether or not due and requested that they close my account. They assured me that they had. Apparently, Comenity. failed to withdraw. {$0.00} incurred. That was their error as my XXXX account at all times relevant held in excess of. {$10000.00} and I had authorized them specifically to withdraw all amounts incurred, whether or not then due, prior to closing my account. I have contacted Comenity on numerous occasions since in response to attempts by Comenity to impose draconian penalties and fees on its {$0.00} error. As of their last correspondence, they have attempted to collect {$76.00} from me in order to settle this account and close it. Obviously that would represent an annual interest rate in the tens of thousands of percent. To say that this is unconscionable is an understatement. Moreover, this error has caused my XXXX score to decline nearly 100 points. I have contacted them by phone on at least a half dozen occasions, each time I have been transferred from department to department and in the aggregate, the experience has taken in excess of two hours, and resulted in me being cut off after such wait times.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX It was brought to my attention that two accounts from XXXX XXXX was posted to my credit report in total of {$240.00} : Amount. Account number. Date {$130.00} XXXX XX/XX/XXXX {$110.00} XXXX XX/XX/XXXX For XXXX XXXX XXXX past due insurance payment. I was informed by the XXXX XXXX  representative that the ID number linked to the account is XXXX. That is not my information. Ive been trying to dispute this debt since I signed up with XXXX XXXX in late XXXX. As of XX/XX/XXXX it would have been 30 days that I personally informed XXXX XXXX that this information was in accurate. Ive never owned, co-signed, nor leased this vehicle. I never gave anyone permission to use my information to make any purchase using my information. Due to these debts being placed on my credit report my credit score dropped XXXX points according to Equifax. I am seeking compensation in regards to this matter. Ive worked hard to get my credit to a XXXX, and to have someone elses debt affect my credit is upsetting. Im a single mother who works 7 days a week trying to make a way for me and my children. This has complicated my life. I had to rely on government assistance and help from XXXX XXXX, and XXXX XXXXXXXX XXXX to keep a roof over my childrens head.
Consumer complaint received 2019-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I.C. System INC., attempted to collect a debt of {$360.00} by contacting me at an incorrect address on XX/XX/2019 ; an address never used by me. The mail was forwarded to me and I responded two times demanding that I.C. System INC., verify their alleged debt. 

I.C. System INC., ignored my Notices and placed their unverified fraudulent account with the bureaus for collection. A Notice of Intent to Sue is currently on the way to I.C. System INC., for their repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq I.C. System INC have failed to provide me with a signed letter under penalty of perjury of the authorized representative of I.C. System INC.

I.C. System INC also placed their account with the bureaus for collection before the legal response time of 30 days.
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retail Merchants Associates (LA)

I was charged XXXX for an XXXX ride to a local hospital. Although I never received written notifications from the city of XXXX, I researched myself and paid my bill in full on XX/XX/2022 using my XXXX XXXX card. Retail merchants association is refusing to remove this collection and also refusing to acknowledge that it was paid.
Consumer complaint received 2019-11-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

The XXXX XXXX  company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to  agencies monthly.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

US Dept of EDUXXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (SC)

Despite numerous attempts with my homeowners insurance company ( XXXX ) and Lexis Nexis, I have been unable to secure my insurance scores and credit scores that are used to determine my auto and property insurance premiums. 

In doing research regarding my property insurance premiums, I have found that I am being charged double what comparable properties in my neighborhood are being charged. This despite my property having a lower insured value and higher deductibles. 

Both XXXX and LexisNexis blame the other organization for not being able to furnish my insurance scores. 

All factors equal, it appears that I have been overcharged ( compared to neighborhood properties of greater value ) at least {$750.00} per year over the last 3 years. 

I have spent countless hours trying to remedy this situation and am being actively blocked from receiving reports and or any derogatory information in my files that determine insurance premiums. 

Your assistance in this matter is greatly appreciated.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am unable to lift a credit freeze on my trans union credit report. I have attempted to lift the freeze for over a year. Multiple phone call attempts with hours spent on the phone holding for customer service agents who either transfer me to a different department or say that they have resolved my issue. On four separate occasions I have been assured that the freeze on my credit has been lifted, however, I still get denied for new credit due to my transunion report being frozen. I feel helpless and stuck in this situation. Transunion says that my credit report is frozen and also unfrozen. They have assured me that the glitch has been resolved the last three attempts I have made through customer service.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have Bank of America Business XXXX XXXX account. It's so difficult to work with this bank- totally inefficient, large, long wait times and good for nothing customer service folks, useless processes. 

Can you imagine, that if one want to send money in and out of this account - there is no ACH? There is no free checks? There is no easy way to setup XXXX. 
How in the world, this useless and totally inefficient bank is forcing the customers to have a debit card to use XXXX - i never heard of that.

Even if debit card is required - enable online debit card order - rather then letting the customer wait for 30 minutes on the chat and 15 minutes on the call. 

Very basic information like account # and routing # is not accessible.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We were trying to access our B of A account to see statements, but there was a message saying " your account is locked up, do not attempt turn off the screen... ( there was a repeated message to call ( XXXX ) XXXX to unlock the computer. When we called the number, a person ( name : XXXX XXXX XXXX said he can help us with the problem. He informed us that some people are trying to hack our bank account from XXXX, XXXX and XXXX. But the person appeared to be from XXXX. He was able to get our credit card number. Later, he asked us to go to XXXX and as soon as we get to the parking lot he will tell us what to do. At the XXXX parking lot he told us to buy a gift card. This is when we suspected this person is a scammer. 
We then proceeded to the B of A Branch in our area and told them the incident. The bank cancelled our credit card and debit card and will send us another on.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (TX)

I have been a member of this bank for YEARS. I have been traveling and living the same lifestyle also FOR YEARS. For whatever reason, the service and access to my card has gotten worse and worse, and especailly awful in the last XXXX  months. This month alone i have had to call in at least XXXX to get 'fraud alerts ' to be subdued. My payments are constantly blocked. Every person I speak with apologizes and says its a visa thing. Nothing has been done. Nothing about my spending habits or lifestyle has changed. It has been relentless to try and just spend my own money. No one has answers. No one can help. I just have to keep calling over and over to get the fraud alerts to be subdued, and regain access to my card. I spend hundreds of thoudsands of dollars a year on this card and for some reason i get completely shut down when I try and buy food for {$20.00}. It is crippling. I am hoping this route will have some effect on this. I just want to spend my own money. Like I have been for years. XXXX calls this month just to get my card unlocked. No one does anything to make it better. This isn't a visa problem, this is a schwab problem. this is who manages my bank accounts and money. my card is cut off, compromised, needing a new one but wont expedite. I also promise for whatever XXXX answer the bank may have 'a new card ' is NOT the solution. I have had new cards. I have had the same card. I have had the same spending habits. a new card won't fix this. and changing my account to an international one won't either. They are just getting worse and worse with service and i have XXXX answers.
Consumer complaint received 2019-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

A person who goes by " XXXX XXXX '' has continued to fraudulently use my phone number, which I have had for almost one year. It is a free phone which I qualify for due to limited income. Venmo is refusing to update my phone number on my account or even attempt to verify it's mine, by inbound or outbound call or text to my number. I recently had issues with my number being used in a fraudulent manner with a food delivery service account where the number was still being used by the other party. Venmo has asked me to " show my bill, " which I have attempted to explain there is none, with the free phone service. They have made no efforts to attempt to verify my ownership of this phone in any other way. We have reached an impasse and agent " XXXX '' refused to allow me to update my phone number, or escalate the issue to someone who may be able to help, in an email attempt on my part from XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (LA)

I disputed this on XX/XX/2024 on this site and the company responded and said that this was not reporting on my report. I pulled a copy of my report to prove that this is reporting and needs to be removed. This company has lied about this not showing on my report several times. Please remove this off my report as it is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (GA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XXXX ( XXXX in XXXX ) I placed an order from a store in XXXX online for about XXXX bt ( little more than {$300.00}. U.S. ). Filled out credit info and pushed the submit button a minute later my store informed me my purchase had been declined. I called my card company and was actually speaking to a rep 3 minutes later. I explained that I had indeed tried to make the purchase and she asked me my first /last name, DOB XXXX my card number and the 3 numbers on the back of the card. i was put on hold for a short time and when she got back to me she said, '' I'm sorry XXXX XXXX your card has been put on hold and you will need to speak with the fraud dept. when they open tomorrow morning. I called the fraud dept. at XXXX XXXX XXXX in XXXX XXXX and answered all the same??? 's to her. She told me I would need to upload govt. ID ie : driver license ( expired yrs ago as I have lived in XXXX XXXX XXXX, ss card and a few other but NO passport can be used. I'm sure she could have asked me many personal??? 's which I am sure they have right in front of them and only??? 's I would know the answers to. It would seem an easy resolution. In the past I have recieved e- mails from my card company about a purchase being legitiment or not. What happened this time?
Consumer complaint received 2019-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Financial Resources, Inc. (MA)

This debt ( though it was not mine due to fraud filed with the FTC and XXXX Police Department, ) I nonetheless paid it in full because it was the lone negative factor on my credit report. I have spoken  with the medical vendor and the collection agency. Further I have email confirmation from.the reporting collection agency that it would be deleted with payment which I paid and is detailed in the email exchange. Two of th three credit bureaus have deleted it, yet one has not. In addition, this collection agency, XXXX XXXX, Director First Financial Resources , Inc . 
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, MA XXXX is now engaging in illegal collection methods. I would like to upload accompanying evidence.
Consumer complaint received 2023-02-18
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting onmy credit report which is a violation of FCRA. The Bureaus failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failedto properly investigate the matter by using a third party as their verification provider andhave continued reporting the unconfirmed & unverified information. Given all myattempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent andnon-complying with federal statutes & I need this matter handled immediately. Pleaseremove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XX/XX/XXXX ; Original Creditor : XXXX XXXX ) 48344**Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (IN)

MCM DID IT AGAIN! VIOLATING ALL ACT 'S ... .... 

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX, PETETION XXXX AND A AUTO-MATIC STAY WAS IN EFFECT ONXX/XX/XXXX MCM PULLED MY CREDIT ON XXXX AND XXXX. ( SEE attached ) INVASION OF PRIVACY, CONTEMPT OF COURT ORDER STAY TO CEASE ANY AND ALL ACTIVITIES.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.