davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with XXXX  XXXX XXXX. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from XXXX  XXXX XXXX indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. XXXX  XXXX XXXX would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report. However, XXXX  XXXX XXXX has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score. This {$890.00} debt does not exist. It was written off by XXXX  XXXX XXXX. it was charged as income to me and reported to the IRS, I paid income taxes on it, and XXXX  XXXX XXXX took a tax deduction for a bad debt. The account balance is XXXX ( {$0.00} ). 

This is showing up on my Transunion report as a " Derogatory Mark. '' The last account activity was in XX/XX/2012. This should no longer appear on my credit report because ot its age. This was resolved and removed by XXXX. It should be removed by Transunion and XXXX.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I requested replacement cards for two of my credit cards that i could not locate at the time. I never received the replacement cards. Instead, they were activated and used at XXXX  stores and a XXXX  store in XXXX on XX/XX/XXXX and XX/XX/XXXX ( {$2400.00} on one card and {$99000.00} one the second card ). I called it in as fraud but was denied the claim because the cards were allegedly activated from my phone number. I immediately filed a police report ( which to the best of my knowledge is still ongoing ). I spend tens of hours on the phone with the barclays fraud department insisting that i have never received the cards and that they were activated by whoever stole them from my mail box - but to no avail. I submitted proof to that effect in the way of telephone records from my provider proving that i never made the phone calls they claim i did ( the activation calls were made on XX/XX/XXXX according to barclays ). After submitting the phone records, the charges were temporarily removed. But now i see the charges were reinstated ( despite the phone records i submitted ). I see no other option than to turn to the CFPB for help with regard to this matter
Consumer complaint received 2019-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (VA)

I received an alert from a credit monitoring service that Medicredit has placed a collections on my credit report today and i have never received proper communication to try and resolve said debt. It listed today that they have been trying to collect a debt since XXXX, yet it appeared on my report today, XX/XX/XXXX. I immediately contacted Medicredit to resolve the debt and asked them to please remove from my 3 credit reports as I am in the process of purchasing a home. They provided me with a receipt for payment but informed me they will not remove the negative information for 7 years. 

It would have been nice and helpful if I would have at least received a phone call or letter informing me I have a debt prior to any collections. And it would have been nice in good faith they would understand my current situation of purchasing a home to consider removing this from my reports. I have already filed a dispute as well as mailed letters of goodwill to the 3 reporting agencies. This is an old account and I had zero knowledge prior to today of this account. It makes me wonder what else may pop up on my report unannounced and unexpectedly.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX at approximately XXXX XXXX I went to the Citibank branch on XXXX XXXX XXXX XXXX in XXXX CA to withdraw cash in the amount of {$8000.00}. 

I had previously been unable to update my pin number online due to maintenance. 

Also my security questions asking for my mothers maiden name could not be verified. 

Since the wire was recent, the teller informed me they could not process my request at the time and to call Citibank. 
I stepped outside and called Citibank to confirm my identity associated with this account I went back inside to continue my transaction and the manager was acting suspicious the whole time and immediately gave me a number to Citibank 's fraud department without offering any resolve. 

I now find out that my account is not accessible and the checking is under investigation.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (VA)

I have disputed the incorrect reporting of my Kay Jewelers account as it is listed as closed. The account was opened in XX/XX/2018. My account has never been delinquent and all payments have been made on time. I have also called the company on multiple occasions to resolve this matter and it has not been corrected. This is a huge error that has negatively affected my credit scores.
Consumer complaint received 2023-06-20
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: International Computer Systems, Inc. (CA)

I am writing to address the collection account reported by First Collection Servs on my credit report. It has come to my attention that there is a collection account associated with my name, and I have reason to believe that the accuracy and validity of this account are questionable. Upon reviewing my credit report, I have identified the presence of the collection account in question. However, I have no knowledge or record of any outstanding debt owed to the creditor listed on the account. This discrepancy has raised concerns regarding the accuracy of the information being reported. I hereby request that First Collection Servs conduct a thorough investigation into the validity and accuracy of this collection account. I kindly ask for the provision of supporting documentation and evidence that substantiate the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any other relevant information. It is important for me to ensure the accuracy of my credit report, as it directly impacts my financial standing and opportunities.
Consumer complaint received 2020-06-09
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)

XXXX XXXX XXXXXXXX ( XXXX ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines XXXX is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

This company ERC keep putting collections on my credit report. I have disputed this several times resulting in the items being removed from my credit report only to appear again later making my credit score take a major hit each time. I have sent letters in the past to the 3 credit bureaus and ERC.
Consumer complaint received 2020-06-09
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. (MD)

XXXX XXXX XXXXXXXX ( XXXX ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines XXXX is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Strategic Alliances, Inc. (CA)

XX/XX/19. XXXX XXXX  with First Financial Asset Management 360 was very aggressive and verbally abusive in a phone call regarding the settlement of a debt. I was helping my brother as a third party payer for a debt he owed. XXXX was belittling and actually began yelling at me when I explained to her that I understand the debt collection business and understand the debtors rights. Lastly, XXXX threatened my brother XXXX XXXX, with suspending his license which I know isn't within her purview Additionally when I requested a recent for my credit card payment the firm refused to provide one, stating the it wasn't their policy to issue one. 

This firm is a bad actor.
Consumer complaint received 2019-12-28
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (CA)

Ive opened a savings and a time deposit account with Chase bank around 3 years ago, as advised by the banker I open the savings account with minimum balance of {$300.00} that wont trigger any service fee. Couple months later I closed the time deposit account and keep the savings account without touching it for the last 3 years and today when I approach the branch to close my savings account and was told the balance remaining only {$190.00} due to monthly service charge of below minimum balance I was surprised I did not touch this account since opened with a minimum balance how came for charged? I was told theres a {$8.00} fee charge to my account one day which trigger the minimum balance lower, but that {$8.00} was refunded to my account a year later! But the balance still requires service fee. I asked since they refund the unauthorized charge of {$8.00} which meant my account should never falls below {$300.00} in the beginning they should refund all the service charge to me but they refuse the reason is because its too long ago. I totally felt I got fooled by a bank, how can I save money in an account resulted in losing money which I hardly conduct any withdrawal, no protection on consumer big bank like Chase make lots of money by eating on my savings. I was forced to close my account to avoid further loss with a remaining balance of {$190.00} only, lost 33 % but would strongly wish you can help me to get my money back. Today is XX/XX/2019
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXXXXXX ( XXXX ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines XXXX is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached
Consumer complaint received 2019-12-28
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. (TX)

A few days ago I noticed my credit scored took a dive by 65 points I wondered why as there had not been any activity on my credit use. Upon examining my Equfax report I noticed that there are duplicates that have been posted on my report. They are listed under XXXX XXXX and shows to be posted as of XX/XX/XXXX. XXXX for XXXX XXXX XXXX, that's strange because this bill has already been posted back in XX/XX/XXXX for {$980.00} There is also a posting from XXXX XXXX which was posted XX/XX/XXXX for XXXX XXXX XXXX for services rendered on XX/XX/XXXX in the same amount of {$980.00} Then there are three additional postings from XXXX XXXX for XXXX XXXX XXXX for services rendered XX/XX/XXXX in the amount of {$710.00} this one is listed two times and yet another one from XXXX XXXX for XXXX XXXX  listed on your platform with the others on XX/XX/XXXX for {$710.00}. 
I noticed you didn't catch either of these Equifax and because you lied about investigating the inquiry that appeared on my credit report as a result of some one steeling my ID my attorney and I will be preparing Affidavits in preparations for a law suit against you and we are also preparing A STATUTORY DECLARATION to present to several government agencies. I am fed up with you Equifax and your thoughtless stupor thinking that no one will notice your neglect. I have warned you in times past that I suffer with XXXX and am not supposed to be under this stress, so if you're trying to kill me, you failed. 
On one last not, XXXX  and XXXX XXXX of XXXX violated my HIPPA rights to privacy by sending out my medical records with out my consent, so we filed major complaints with the OCR who investigated and contacted them both with warning of this violation, so we, my attroneys and I suppose they have listed these things on your platform as retaliation which is also illegal, we are addressing this also. We are coming after you Equifax in a law suit as well as other charges against you and we are recomending that you you be fined XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and there are going to be consequences for your lack of attention. 
I AM FED UP WITH YOU.
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TN)

XX/XX/2019 Called & Cancelled all cable & internet services effective immediately & requested removal from auto payments. Returned all equipment & have receipt. 
XX/XX/2019 Continued to be charged for services thru XX/XX/2019 & checking account was auto debited another {$240.00}. When I called, they advised that cable was " scheduled '' to be cancelled, but internet was not & nothing could be done about amount debited. There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX on billing and cancelling- After multiple calls and hours of waiting, rude customer service agents, some nice customer service agents who explained they hear this all day, & promises of calls back, finally received from statement showing {$190.00} was removed & {$0.00} due. 
Then received bills again from XXXX XXXX XXXX for same service & same amount due again {$190.00} No amount of phone calls could fix this. Service was cancelled & we paid an additional moth. We have an invoice clearly showing {$0.00} due and still was sent to collections for amount by XXXX XXXX XXXX XXXX {$190.00} There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX & they are double billing. I disputed this and they sent back only XXXX XXXX XXXX statements and disregarding the XXXX statement which is for SAME account and shows {$0.00} due after multiple phone calls and being transferred to all different departments within the 3 company names.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Ive disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus XXXX, Equifax, and XXXX XXXX and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.
Consumer complaint received 2020-06-09
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: ENCORE CAPITAL GROUP INC. (PA)

I have two complaints surrounding CBRs and scoring. My phone number is XXXX. I am an industry veteran and I beg to have an audience with anyone that will listen. 

Complaint # 1 : I have paid every bill of mine on time for the last 24 months. I have recently lowered my credit utilization, yet my score drops 25 points. How can a random company have so much say over my financial future, while i am on time with all of my bills. The only thing I have done in the last 60 days was dispute several accounts, how does that lower my score?

Complaint # 2 : I have several debt collectors reporting that I was delinquent. They are doing this to be fair, they are doing this so they can use this as a weapon! I never got the positive reporting when the debt was current, why now then are they allowed to report it in the negative. This is not fair, and is an example of why UDAAP was created. it was crated to protect individuals like myself from unfair and deceptive practices! 

I am in the industry, collection agencies report to the credit report for one reason only, to use it as leverage! if the original creditor did not report the account, then the agency they sold the account to, or placed the account with should not be allowed to report it! If we are not going to get the good credit, it is not fair that we get the bad credit as well.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

To make a long story short, I have an XXXX XXXX  store card ( recently closed due to this issue ) with XXXX XXXX. Not only has comenity reduced my limit twice in one month on more than one occasion, they have me in their system as using 100 % of my credit limit ( {$940.00} ) even though my account is paid off, with no balance and no payments due!!! 
I made a purchase in XX/XX/XXXX for a dresser that was {$790.00} plus tax and delivery. Delivery day came not merchandise..I called to be informed that I never confirmed the delivery date ( which I did upon leaving the store via the link sent in a text ) so I was going out of town and chose to not wait on another date and cancelled the order. Was told by the store I cant cancel with them I needed to contact comenity bank Which I did. They said since the delivery wasnt confirmed, nothing was taken from my card so there was nothing to refund. I confirmed that I still had my available balance and hung up. 
Fast forward to today XX/XX/XXXX. I got some office stuff for Christmas and needed a desk. I went online to purchase one from XXXX XXXX.the desk was {$290.00} plus fees. Went to check out, it said unable to process. I logged in to my account to find I had {$97.00} avail credit. What!!!!! I was upset and called, I spoke to 3 different people who transferred me each time after being on the phone with each for 45min or so. I finally got someone who said my account is on hold..Why I said?? And the avail credit was now 0.. the rep ( supposedly a specialist supervisor went on to explain that the previous cold purchase was still in the system, and not only that, the purchase I just tried to make depleted the rest, and although one transaction was cold in XX/XX/XXXX and todays didnt process, I will have no available credit until XX/XX/XXXX because of the no interest promotion from the XXXX purchase..Im upset and I say, so basically I have no credit even though I have no merchandise, and completed XXXX transactions? And because of a system error, it is going to show that I am utilizing 100 % of my limit with your company to credit bureaus, even though I am utilizing NONE!!! Basically I was told this rarely happens but when it does, just sit tight, and wait. I said XXXX is not when I need the desk. Not only did this company ruin my score last year by their frequent decreases, way more than any other company despite on time doubled and extra payments, but now my credit will be destroyed once again by this company showing 100 % utilization when I havent utilized a dime!!!! Please help me..this must be illegal!! To make matters worse, I have a XXXX XXXX card through this same bank ... .please help me, I closed this card do to the frustration of it all, and now I fear my credit will show this inaccurate utilization for months..this is unfair and unprofessional
Consumer complaint received 2019-12-28
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Contact XXXX Email XXXX XXXX I am asking city bank about all the recording call from my cellphone XXXX
Consumer complaint received 2023-01-16
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. (LA)

My name is XXXX 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.