davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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. (TN)

I am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.
Consumer complaint received 2020-12-29
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 have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Equifax has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Equifax refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.
Consumer complaint received 2020-12-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2020, Portfolio Recovery Associates, LLC add a derogatory mark on my credit report XXXX, XXXX, and XXXX, Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery Associates, LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX refuses to take non credited account off report after numerous request too do violating my consumers rights And they also have been reporting false negative payments they refuse to take down the hard inquires they are refusing to up hold the law and not giving me a fair investigation with over 80 violations that I noticed alone on my XXXX report and also over 50 violations I noticed on my Experian and 1 violation on XXXX for not removing the fraudlent XXXX XXXXXXXX account on my credit report also XXXX has some one else social security number on my account my social is XXXX
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I keep getting request 's to pay a bill from a debit collector for a Dental office in XXXX XXXX, TX that first does not exist, second I do not live in TX I live in MI, Third the address for the Dental office belongs to a different organization, I checked with my dental office which is the correct name only and I do not owe them anything in fact I have a credit pending also they do not use this company for debit collection.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I went to a XXXX store and made a return with my debit card. Return was processed with no problem. Then I tried to use my same debit card for purchase at that same store and it declined. I checked my balance online and it showed {$220.00} available. I then tried to to do a electronic transfer to another account. Which was not possible, I called the bank waited 35 mins and spoke to 2 representatives before the call was dropped but their representative. I called back spoke to a customer service representative who transferred me to customer service protection department who then dropped the call. I called back was on hold for 4 hours spoke to XXXX from customer service protection department at XXXX. Soon after that she dropped the call. I called back spoke to XXXX at the customer service department. She would not spell her name for me this was around XXXX. She then transferred me to her supervisor XXXX with card holder services at around XXXX. After speaking with him for 20 mins he said he could not help me. He told me to I could call back tomorrow when wait times are less or he would have me transferred back into the cue and hold again. After 4 hours of already waiting and having their employees hang up on me. No one will offer help or answers. Its so frustrating. All they say is sorry with no resolution.
Consumer complaint received 2021-05-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NM)

XXXX XXXX XXXX is trying to collect a debt that is over 7 years old. This account just popped up on my credit report and should be removed. The account was from 2014 in the amount of {$490.00}. It should be removed.
Consumer complaint received 2016-07-06
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (MI)

1 hour after using Netspend 's mobile checkload service, an unauthorized charge was made at a XXXX in XXXX to my account ( I live in XXXX and have never been there ). When I attempted to log in to my account online to seek more information, a message appeared saying that there was a " problem with my account '', and asked me to contact their customer service number. When I did, I was on hold for 30 minutes, and the representative I eventually spoke to inquired about a purchase made at XXXX, a chain of stores I have never even been inside.I was then told that I would need to take this up with the risk department, which was at that point apparently closed. I asked about my account balance and for more information about the XXXX charge, and the representative told me that she could not provide any more information. I am still locked out of my account and my netspend card does not work. I have no access to my money and have no way of tracking the fraud that was seemingly taking place.
Consumer complaint received 2020-12-29
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. (TX)

I request written proof that XXXX XXXX XXXX XXXX had permissible permission to access my credit report in XX/XX/2017 for auto loan # XXXX per the FCRA. If XXXX XXXX XXXX XXXX claims this is a duplicate complaint, then I request they resend the copy. I expect XXXX  and Transunion to send me a copy of the permissible purpose when they receive from XXXX XXXX XXXX XXXX 's investigation. Please do not say you have investigated this several times and need additional proof. Just send copy of the permissible purpose. I am tired of reading form letters and rhetoric. Again it is very simple, XXXX XXXX XXXX XXXX, XXXX, or Transunion need to send me copy of the permissible purpose to access my credit in XX/XX/2017 for XXXX XXXX XXXX XXXX 's loan # XXXX. XXXX, Transunion, or XXXX XXXX XXXX XXXX do not need 30 days more, or 45 days more, or 60 days more because you have had years to investigate a simple matter, written proof of permissible purpose. Enough is enough!!!!
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2020, I reviewed my account and saw my credit limit decreased from {$4000.00} to {$500.00}. I called and was told a memo was place on my account on XX/XX/XXXX to decrease my credit. She then informed me that this was a business decision and not a decision based on me. She then informed me that, if I would like a credit increase then they can do a credit check. I told the representative that was absurd, because decreasing my credit limit and a hard inquiry would negatively impact my credit score. I called back a second time and was told a letter was sent out to me today XX/XX/2020, explaining the banks decision to decrease my credit limit. 

On XX/XX/XXXX I paid {$2000.00} On XX/XX/XXXX I paid {$800.00} XXXX i was unable to make payment, because I lost wages due to being placed on 30 day medical leave. 
On XX/XX/XXXX I paid my account balance off which was {$3800.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I had received XXXX credit inquiries from a company called XXXX XXXX on XXXX XXXX and XXXX XXXX, both of which I had not authorized. I am signed up for credit report alerts service, which alerted me to these unauthorized inquiries. I got the information and then checked with the above company and they said that the inquiries were made in error, apologized and also sent me a letter stating that the inquiries should be deleted from my record, which I then forwarded to Equifax over a month ago. However, till date, Equifax has n't deleted those inquiries as required by federal FCRA act.
Consumer complaint received 2019-12-11
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. (SC)

I have been disputing information on my experion credit report for several years now. XXXX for the amount of XXXX. XXXX   XXXX in the amount of XXXX. And XXXX  in the amount of XXXX. I noticed that these accounts were opened and delinquent in XXXX when i started getting calls from creditors. I made a federal trade Commission complaint in XXXX and took it to my local XXXX police dept and had the report notarized by them and sent it to all three credit places. I had no issues with XXXX   or XXXX  I had to hire a credit repair to help me with experion because they refused to help me saying my documents are not good enough. I have been waiting for seven years to pass because i just couldn't do nothing about it no matter how hard i tried. I called again to day and said its been over seven years since the fraud cards were opened and i want them removed. He said its from the first time the cards we're reported late and i have to wait until XX/XX/XXXX. I have been though XXXX with them i even did another FTC complaint on the fraud today thst they say is unacceptable. I dont know what else to do.
Consumer complaint received 2016-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Summit Financial Corp. (FL)

Collector contacted me to voluntarily surrender a vehicle that original lender " charged off ''. She would not identify the company she worked for but threatened to file an " order of execution '' to have police pick up the vehicle. When asked to send paper work to me to submit to my attorney she screamed at me and said there was no paper work. Just tell her where to pick up the car. She also left several voicemails on my cell phone threating the same. I saved the last voicemail. The person also called my employer and spoke to my supervisor informing him of the debt and the police coming to my office to pick up the car. My supervisor sent me an email detailing the phone conversation. I had my attorney call her and she told him the same thing. He searched court databases for XXXX Counties and found no documents filed against me. He told the person not to contact me at work nor my employer again, and to notify me in writing of any legal proceedings including documentation and not to call me any more or come to my home without proper identification and paperwork. The person would not identify where she worked to the attorney either and was very abrasive as she was with me. The attorney told me to contact the FTC as the person was calling from a cell phone, would not identify who she worked for or a work address, nor provide any written documentation of legal actions, which was a clear indication of a scam and that she violated laws.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I receive my unemployment benefits in California through a Bank of America prepaid card. Today, XX/XX/20, my card suddenly stopped working, i.e. the transaction was refused at point of sale. I then tried to log into my online account, only to be told " Your security information is invalid. Call the number on the back of your card. '' I did so, and an automated voice told me my card had been " closed. '' No further info was forthcoming, which is unacceptable considering people rely on this money to survive. I then began an hours-long odyssey to speak to a representative and find out what was going on. I still don't know. Every person I talked to said they had to " escalate '' the issue, this after waiting an hour to speak to them and repeating ALL of my information ( card number, address, etc. ) for the umpteenth time. After being on hold for hours and speaking to several people, the line disconnected. One hundred percent unacceptable, period, full stop.
Consumer complaint received 2020-12-28
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. (NY)

I submitted a dispute to Experian over two months ago and they still haven't blocked and deleted the unverifiable, invalidated, inaccurate, and questionable accounts on my report. Instead, they accused me of using third party credit repair agency.
Consumer complaint received 2021-11-25
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)

Disputed a XXXX  with Experian in XX/XX/2021. Experian states remains and the furnisher of information is XXXX XXXX. I have my consumer report that shows XXXX  were removed in XX/XX/2021 and XX/XX/2021. I disputed again with Experian in XX/XX/2021 and uploaded all paperwork from XXXX XXXX showing removals of XXXX XXXX  and copies of my consumer report from XXXX XXXX showing no Bankruptcy 's. Experian again states XXXX XXXX remains and the furnisher of information was XXXX XXXX.
Consumer complaint received 2021-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCE BANK (AR)

I CO-SIGNED ON SAID ACCOUNT WITH XXXX XXXX AND SHE FILE CHAPTER XXXX  BANKRUPY AND DEBT TO BE DISCHARGED. MY LAWYER STATED THE XXXX SHOULD XXXX TO XXXX AND TAKE MY NAME OFF BILLING.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

So I called Equifax at XXXX XXXX on XX/XX/2022 I spoke to a young lady by the name of XXXX she stated to me that shes unable to remove any in accurate information thats on my credit report I have sent the letter XXXX letter I have uploaded and fax all the inquiries thats on my credit report are in accurate And I need them to remove it because its affecting Financially
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NC)

I cured the debt of {$1500.00} paid through XXXX XXXX and emailed a copy to Honda Recovery Department ( Mr XXXX ) Acct XXXX. In addition emailed a copy of insurance and wire as well as allotment. I was told to pick the vehicle up once I sent the XXXX XXXX. 

We waited almost 4 hours at XXXX XXXX at XXXX, GA stated they are waiting for Honda to release the vehicle through XXXX .... 

Later after several calls, Ms XXXX from the Recovery Department was very rude and stated you had 90 days to pay so you can wait another several days to a week. Which she raises her voice and stated no extra fees will be waived I don't care if you waiting 3 hours ....

We never received any certified letter stating a repossession will take place. It's unfortunate that this covid crisis put a financial burden ... we paid what was due but Honda apparently Ms XXXX same lady earlier stating I have to go and get {$16000.00}. 
I drove 7 hours from North Carolina. I met the 10 day protocol and paid the account to current status. 

PLEASE assist
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Recovco Mortgage Management, LLC (TX)

I started the refinance with sprout mortgage late XX/XX/XXXX for two of my properties. After 3 months and many emails to correct their mistakes I closed in mid XX/XX/XXXX. Now they faild to transfer the loan to a servicer. They list plant home lender as a servicer on the CD and as of today decmber XXXX XXXX, planet home knows nothing about my loans. For one of the properties, they collected fund to the escrow account and now they fail to pay the insurance that I have due on the XXXX of XX/XX/XXXX. When I called they kept transferring me to many people and eventully hang up. I sent many emails and emails are kept as evidence for their contract breach. Now I do not know what I shall do. I feel that I am stock with this lender that I am doubting their legitimacy. I need help!
Consumer complaint received 2015-10-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Oxford Law, LLC (DC)

I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

An account on XXXX  (XXXX ) was selling shoes through a raffle. I bought two yesterday XX/XX/2020 through XXXX as a gift for me and my boyfriend with a total of {$340.00} ( one payment of {$170.00} and the other at {$170.00} ). He received my payment and then that night blocked me deleted his comments and now has my {$340.00} and left me empty handed. I called my bank ( XXXX  ) and they told me they cant to anything because I authorized it but Im not receiving an item so that should be reported as scam - but they didnt even give options or any help. I later found out he does this to a lot of people and im not the first. 
I have no job right now and am a current college student and was hoping to get some cheaper shoes for gifts since he looked legit and has a big amount of followers. I tried to request {$340.00} back through zelle and says he can not be found with that contact information. I also contacted local authority and they told me to leave it alone since theres no case tied to it and hes not causing threat or harm ( but he did steal money from me ). They also mentioned how its happening a lot during covid. I did my research and this is how zelle and scammers get away with taking money from people. This is my first encounter and Im freaking out because I cant get my money back. 
All I want is my money back and to be at peace that this guy wont do this to other people. My bank ( XXXX ) has ties with zelle and should warn people about scams and how they we cant get a refund if anything happens with scamming. Especially during this time with covid people like me are taken advantage of without even realizing it. His page is still active and hes probably doing this to many others. If you can do anything that would literally save my life and help me out financially.