davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (MO)

Closed this complaint with another ridiculous explanation without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-11
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. (CA)

The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXXXXXX XXXX XXXXXXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.
Consumer complaint received 2020-03-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Service Company, INC (CO)

I am being collected for a medical bill by Credit Service Company INC of XXXX  XXXX, phone number : XXXX, which has bought my supposed debit from Accounts Receivable. Although I have already disputed the bill amount directly with the hospital ( the amount was inflated, so much that the doctors decided to change provider ), and although I have notified in writing Accounts Receivable, they have reported the collection which has now affected my XXXX  credit score. I believe this practice is illegal, and one disputed medical bill ( out of dozens I have paid normally ) should not affect my XXXX   score and hence my ability to get a loan. Thank you for your patience and for looking into this matter.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (MO)

20 complaints marked as duplicate and 20 complaints put right back this predatory company stole NOW almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-01-17
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-16
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: Self Financial Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (WI)

I want your agency to reinvestigate this public record information listed on my credit report. Because of some errors that I found on there that is being reported across my credit reports inaccurately. And this violates my consumer rights according to the Fair Credit Reporting Act section 609. You can clearly see that the court name is inconsistently being report across my credit reports and the reference numbers are inconsistently being reported across my credit reports to. Remove this public record information from my credit report for the following reasons. Please See Attachments.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (OH)

I contacted XXXX XXXX and was advised my debt was now with Levy and Associates. I have not received any written communication or any calls from Levy & Associates. I attempted to contact them through their website to settle the debt, but have had no communication returned. When I attempted to try and make a payment it said that I needed a file number. In the correspondence with Levy and Associates I advised I did not have a file number. I've provided my email and phone number and advised them email is the best communication source during work hours. No emails or calls from anyone stating they are with Levy & Associates, providing a file number. And now I just got a notification they are trying to garnish my wages without responding to my correspondence or providing me the necessary information to make a payment. I've also tried to contact them again via their website, during work hours and the request is now not sending, stating their website is not working or has timed out. Again unable to communicate with this company.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC (FL)

Revco Sol says I owe {$200.00} from XX/XX/2019. This charge was removed from my credit report from XXXX and XXXX credit bureaus as this does not belong to me. I am unaware of this charge.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (OH)

Request debt validation from Synchrony Bank, once the debt was sold to portfolio associates i Request debt verification and turned into XXXX XXXX XXXX XXXX, I sent them all information i had sent to XXXX XXXX XXXX and the Requested a fraudulent report be submitted.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (NH)

I check my credit reports several times a month and this collection for {$890.00} from Second Round just showed up on my XXXX  and XXXX  credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX  website. My data was breached when XXXX  lost all that data. Why didn't this account show up on my credit reports until Second Round got it?? All of my actual accounts are in good standing and always have been. 

Thanks
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PROFICIO FINANCIAL SERVICES, LLC (IL)

Proficio Financial Services has listed an amount owed to XXXX XXXX XXXX XXXX in the amount of {$1800.00} original amount ; {$2200.00} owed as of XX/XX/2020. I recently saw this reported on my credit report, listed under accounts for collection. Proficio Financial Services never provided me a formal letter notifying me of my right to dispute such debt. This debt is not valid and I request it be immediately removed from my credit report. Thank you.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (IL)

My account was marked 30 days past due XX/XX/XXXX for XXXX which was in accurate I tried to speak with the agent about it and they were rude saying I owed {$250.00} XX/XX/XXXX I paid {$350.00} the full amount they can I was past due including the late fee they added because I just wanted my account corrected per the agent they would correct my account once I made a payment. XX/XX/XXXX I requested the payment he updated with the bureau they marked it another 30 days late for XX/XX/XXXX how can that be possible when make payment if I paid what they claim what past due and my payment for XXXX was dated to come out the same date I requested they update the XXXX payment this company is violating my laws and practice been reporting habits
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MT)

The problem is with the repayment and the advice/directions of the company. I recently had a baby and attempted to get help with repayment options. Every customer service rep suggested something different all resulting in a deferment or a forbarence. My loans are about XXXX. I have never missed a payment or been late because my credit is important to me. When the reps suggested deferment, they are capitalizing on my loan which is frustrating. I try to stay on top of the payments. Most recently I was notified my payment was going to increase to about {$550.00}. I filed separate taxes from my husband, as suggested by Fed Loan, and submitted a new IDR request through the gov student loan site. My XXXX lender accepted to app and tax information and everything was good. Fed loan denied my request, because it was recertified in XXXX, pre filing separately. They sent a letter stating if I wanted an early recalculation to please sign the form and return it. I complied and uploaded the form on XX/XX/20. I called today, XX/XX/20, to ensure the due payment wasnt going to get submitted to credit reporting because I was waiting for my recalculation. The rep said they didnt have the request and I was going to have to submit another application. I reread the letter their company sent me and she said, '' ya but ... XXXX '' I recapped what she said, at this point being extremely frusterated, and she said that my application would be denied and I needed another application submitted to recalculate payment. I asked her why the letter was sent out that stayed if I signed it, they would recalculate my payment. She was polite but basically ended the call. At this time, I am unsure if i need to resubmit an application or if the signed letter, that they send me, is going to recalculate my payment. I hate this company and they are so hard to deal with. Please help me. I just want an affordable payment. I am not trying to get out of paying my loans.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP (NY)

I was sent a notice that I owe {$8.00} to XXXX XXXXXXXX XXXX for XXXX XXXX XXXX. I called the company and I spoke with someone and told them that I did not want the extension that they were charging me for. She said she took care of it and now they are badgering me for {$8.00}. 
I did not check any box to say I wanted an extension and thought it was taken care of. I dont know if the girl I spoke with entered the information into the computer but they keep sending me letters and now its in collections. Would you please help me remedy this situation? 
They already sent me mail that costs half of what they think I owe them! 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc. (IL)

Arbor Professional Solutions of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, has listed a {$530.00} charge of debt to my XXXX XXXX Credit Report. Not once did Arbor Professional try and reach me to give me a change to dispute the debt owed. 

The {$530.00} charge stems from the Fire Department of the City of XXXX, Indiana. I am disputing the debt of {$530.00} for the following reasons : This debt occurred from when at the time a minor age XXXX at the time and not my biological nor adopted child was provided a ride in an ambulance with the permission of her biological mother and only legal guardian. 

The XXXX Fire Department requested health insurance billing information on a couple of occasions and the health insurance information was provided to the XXXX Fire Department each time. 

Not once did the Fire department or any of their representatives ever reach out stating they were unable to process the medical insurance information provided to them. 

In summary, I not only do I dispute the debt owed but I also am filing a formal complaint against Arbor Professionals for never giving me a change to dispute the charge of Debt before they submitted the debt to XXXX XXXX Credit Bureau. Arbor 's Phone Number is XXXX
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (AZ)

I am filing this complaint because Simple Bank disapproved my application for a new checking account at their bank. According to their webpages, the " Simple Checking Account '' was a prerequisite to opening a Protected Goals Account which paid market-rate interest and also paid a {$400.00} sign-up bonus. 

I can not image why I was refused a checking account except they looked at my application and said oh no he is too old. I am XXXX years old. I dont think that is a valid reason and is, in fact, illegal to discriminate based on a persons age. 

Below is what they said and I have also attached the actual email in a print-to-pdf file. 

I believe an FDIC insured bank has the responsibility to tell you why you are not being approved. They are not telling me for security reasons yea, their security to avoid a lawsuit for age discrimination. They didnt even give me a telephone number to call or an email address to inquire about why I was not approved ( see email ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, Were sorry to let you know that your Simple application was not approved. For security purposes, we cant tell you the specific reason. 

Thanks for your interest, and we wish you all the best. 

The Team at Simple
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.
Consumer complaint received 2023-07-19
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-11
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. (NY)

In an ongoing issue I informed EQUIFAX that there were inquiries on my credit report that I was not aware of. I initially disputed the inquiries online. EQUIFAX stated that they contacted the creditor and that the creditor verified the inquiries. I informed EQUIFAX that an application for credit can be initiated by anyone who is in possession of the corresponding information. I, along with the other authorized user, proceeded in freezing the account to discourage unauthorized use. My first correspondence is dated XX/XX/XXXX and my last correspondence is dated XX/XX/XXXX. The inquiries remain on the credit report and presently hinder our commercial activity. I have been notified by local authorities that a police report is not warranted at this time. EQUIFAX is in violation of section 605B of the FAIR DEBT COLLECTION PRACTICES ACT. I should not have to wait for inquiries to be taken off of my report over time when there are questions as to who initiated the inquiries. Please remove the inquiries immediately.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

My son has a youth checking account with USAA. He was the victim of a crime and USAA 's policies contributed. 

A scammer contacted my son on the internet and convinced him to deposit 2 checks for {$4000.00} each and transfer back a smaller amount using XXXX. 

As a USAA account holder, my son was targeted for this scam. Scammers know that : 1 ) USAA provides immediate access to large sums of money via mobile check deposit ( other financial institutions give access only to {$200.00} and wait 1 week for the rest ) 2 ) USAA 's youth spending limits are broken. USAA allowed my son to transfer out {$3500.00} to the scammer despite my setting a limit of {$3000.00}.