davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (NC)

Comenity bank or Bread XXXX as they are now called, has not reported to any credit bureau since XXXX of 2022 and I have paid off my card. My credit utilization is not accurate which is impacting my credit score. They should be required to report to credit bureaus on a regular basis. It has almost been 5 months since they last reported. They have no signs of changing things on their end and I have researched that majority of their customers are complaining of this issue. I called and asked for them to assist and they said they had a system update that had caused them to not report or something and said they have no intentions on resolving it any time soon. This is horrible business for those of us trying to fix our credit
Consumer complaint received 2021-05-31
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. (TX)

I sent a complaint regarding some incorrect information to these companies on XX/XX/2021. I understand that these companies have 45-60 days to respond. It has been nearly 60 days with no response
Consumer complaint received 2022-10-28
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and ARS Account Resolution # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from XXXX XXXX ARS Account Resolution, and XXXX XXXX  The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. 

If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears is furnishing my medical information which is a violation. i have never given them my written consent to furnish my information. A violation of the FDCPA. 
I refuse to pay the debt and I asked them to validate the debt to no avail. I asked for an original wet ink signature, the contract between me and HP Sears stating that we were in business and they have the right to collect on a debt. Again to no avail. 
I'm not sure how they were able to locate me and continuing to report this inaccurate information is in direct violation of the FDCPA.
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (TX)

I started receiving collection notices from water company about a bill ; I called the water company and explained my name does lot match and that I have never received any water not have I ever done business with the company. I have sent certified letters to the water company in question which included my name and address to show I am NOT that person. I have had water through a completely different company for 6 years and never have I done business with the water company in question. The customer service lady apologized for the mix up and said I wont get any more calls or mail. Today I received a collection agency notice. This is harassment and against the FDCPA.
Consumer complaint received 2021-07-06
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's XXXX Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$1900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX/XXXX  XXXX  Account Number : XXXX AMOUNT : {$770.00} Reason : Account is fraudulent Account Name : NAVIENT Account Number : XXXX AMOUNT : {$41000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX BANK ) Account Number : XXXX AMOUNT : {$930.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$640.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$1200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  ) Account Number : XXXX AMOUNT : {$690.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX NA XX/XX/XXXX XXXX  XXXX AUTO FIN XXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-10-28
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. (VA)

XXXX is consistently dropping my score and incorrectly reporting the wrong credit score. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

XXXX is also inconsistent with XXXX and Experian. 
All 3 credit bureaus are inconsistent with each other, how can this be?

Please help!
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received a payment from a friend and Venmo froze my account right away. They claim to have emailed me a form to upload my id but the email they speak of goes to a page that can not be found. Ive emailed countless times and I just want to transfer my funds and be done with them
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a federally protected Consumer and I am opting out of any and all Authorization I the Consumer may have given you written, non written, verbal and non verbal per 15 UNITED STATES CODE 6802. 

YOU ARE IN VIOLATION OF THE PRIVACY ACT OF 1974. 


XXXX is reporting Inaccurate information on my consumer report. This is my 2nd attempt to have the fix the inaccurate information. 

YOU ARE NOT IN METERO 2 COMPLIANCE. 

YOU ARE IN VIOLATION OF 15 UNITED STATES CODE 1681b PERMISSIBLE PURPOSE. I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ON MY REPORT,
Consumer complaint received 2022-10-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

In reference to complaint XXXX which includes the details of the account, XXXX XXXX XXXXXXXX violated the Fair Credit Reporting Act by continuously harassing me with debt collection calls after receiving a cease and desist letter and debt validation request, and did not provide *any* documentation within the 30 day period after receipt of the request. 
They broke federal law. Period. The CFPB is the entity responsible for upholding these laws. Period. 
Both XXXX and XXXX  have still failed to provide legal proof of ownership of my loan, and the XXXX XXXX even stated that the " documentation no longer exists. '' The CFPB SUED NCT FOR THIS VERY REASON. 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ There is legal precedent that the CFPB proved in court that XXXX  was unable to produce the documentation that they are legally required to have in order to legally collect on the loans. 
This is exactly what's going on here. I have been asking them to produce the documentation for 2 years. They keep sending me the original promissory note, from XXXX XXXX XXXX, which does not prove that XXXX  owns it. They have failed to prove anything. 
Again, XXXX broke federal law, and should be held accountable. 
XXXX is trying to fraudulently collect on a loan they do not own, until/unless they can legally prove otherwise, which is a REALLY SIMPLE REQUEST and should not take over 2 years to fulfill. 
I am not satisfied with their responses, I am not about to take XXXX breaking the law and harassing me sitting down, and I'm a little disturbed that the CFPB doesn't seem to care that both of these companies are in violation of the laws the CFPB is responsible for upholding.
Consumer complaint received 2022-10-28
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: Possible Financial Inc (WA)

Annually I have to dispute the negative reporting by two companies on my credit report. Possible Financial and XXXX, most recently I disputed the negative reporting today and hours later it went from closed back to open. The credit reporting agency verified in XXXX that both of these were fraudulent and they were removed from my credit only to return again. I have filed police reports, provided the information to these companies in XXXX and XXXX and submitted many disputes with these accounts to the experian they got removed and then months later return. I have been turned down for XXXX pre-approval home loans and currently denied A loan by my bank because of these accounts. My personal information has been comprised and I have had to work hard to close fraudulent bank accounts, store purchase cards and these are the last XXXX. This is affecting my family and creating a financial burden for me.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of account/item which do not belong to me or were opened without my permission.

XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (NY)

Hello this is a feature of my American Express Serve debit card that I am supposed to be able to use, but for some reason has never worked for me. I tried XXXX XXXX at XXXX powered by XXXX multiple times, a feature of the Serve  XXXX, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. I don't believe that I have reached any of the Serve  limits described on the serve.com website, and my account has sufficient funds. This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with American Express Serve and attempted the Cash Pickup feature many times in multiple browsers and devices. I attempted to do a bank transfer from my Serve account with XXXX, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my Serve account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from XXXX or Serve  customer service.
Consumer complaint received 2021-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Is slamming my credit report with bullying tactics for a so called debt that I do not owe. In the past months they have plagued my credit report with 3 different derogatory marks for exactly the same amount, {$1900.00} ( no change ) First was XXXX on XX/XX/2021 and then thru XXXX on XX/XX/XXXX and also on the XXXX of XXXX. Something else I found strange is that my credit report was also hit by XXXX XXXX XXXX on XX/XX/XXXX of XXXX with the exact same charge of {$1900.00}. All of these Fraudulent charges stem from an old Fictitious medical bill for services that were never rendered. I do not owe this bill and I should not be harassed for it. I have beat these collection agencies repeatedly in the past and I do not understand why it keeps coming back. How they repeatedly get on my credit report is Absolutely Ridiculous.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX. 
I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I got a copy of my TransUnion Credit Report just recently, and I noticed that an inquiry was made on XX/XX/2023 on the basis of " employment '' from a Company called : XXXX XXXX via XXXX XXXX XXXX ( address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). However, I did not authorize them to do this. I don't even know who this company is. I never gave any written permission for this company to access my credit report. Furthermore, I'm XXXX and haven't worked for over the last couple of years. So, for them to gain access to my credit report based on employment is completely false.
Consumer complaint received 2024-04-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The bank ( Citizens ) is trying to attract capital by enticing people with an attractive interest for a new CD. When CD matures, they renew it at 0.03 % and hope that people do not notice. In addition to XXXX interest ( negligible in this instance ) they access an additional fee to withdraw funds. Clearly a bait-and-switch.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

In late XXXX I used Coinbase to purchase XXXX, the first transaction was on XX/XX/XXXX and this was a total of XXXX ( not including fees ), and then another transaction on the XXXX XXXX and this was for XXXX ( not including fees ). For around a month now, I have been in a constant battle to get my account 'verified ', every time I email them I get the same response of them having a high quantity of emails. This of course is causing me some distress as during this time I have absolutely no control over my own money that is in my account. I have been trying to sell my XXXX and withdraw for 4 weeks now, and there doesn't seem to be any progress, despite multiple requests to the company. 
It seems crazy to me that they were able to take my money absolutely fine, but when it comes to taking it back, they don't seem to want to know. 
My biggest worry is that crypto may crash and I will have absolutely no control and I will loose all my money. I am very worried. 

Any help is super appreciated! 

Many Thanks, XXXX XXXX
Consumer complaint received 2021-06-01
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. (IL)

On XXXX I sent a letter regarding inaccurate things on my credit report. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party. This collector/creditor did not provide HIPAA release to e able to collect n this debt.This is a direct violation of my HIPAA rights. I am proceeding with legal action, should this item not be deleted within the required time by law. I will also be seeking compensation as well.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NJ)

This Company they did not have a complete of information of this debit, They have only my Name last digit social security and my original address, but they did not have a other info about the debt.The same debit was deleted previously from my credit report, from one other company that thy cant verified all the necessary information. Harvard Collection Service located on XXXX Il they are rude people they call me and the operator threat on me that the sheriff dept is on there way to arrest me if i do not pay over the phone, I contact my local police department to file a claim against of those threats