davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
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)

XXXX, TransUnion, and XXXX  were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC. (FL)

On XX/XX/2017 I was shopping for a wedding ring with XXXX XXXX ( Location : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). I found a ring that I liked and there was a special running through the end of the week. The clerk suggested that I put the ring on " Hold '' using my already existing XXXX XXXX credit card but that he would only be able to hold it through the end of the week. 

On XX/XX/2017 the XXXX XXXX store clerk called me to ask if I had decided yet, I told him at this time that I had changed my mind and would not be buying the {$7000.00} ring. He told me " Not a problem, I will remove the hold on your card and put the ring back in the case ''. 

Over the last 9 months I have been arguing and deputing with XXXX XXXX who are convinced I now owe them {$250.00} including late fees and finance fees. This has had a negatively impact on my credit score, caused me much stress, and wasted considerable amounts of my time. 

Both of the " investigations '' by XXXX XXXX came back indicating that a Gift Card was purchased for {$100.00} on XX/XX/2017 and that my depute was invalid. I have never received a gift card and have never bought any merchandise from XXXX XXXX.
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (NY)

I got a call at work and they left a message saying that it is for debt collection. This is very concerning because it was left at my work place and I absolutely do not owe any debt whatsoever ( nor have I ever been contacted regarding this because I am not delinquent on anything ).
Consumer complaint received 2022-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX. Someone deposited XXXX {$1000.00} checks into my XXXX bank accounts, made out in my name and endorsed by someone else. They XXXX themselves through the Bank Of America XXXX XXXX {$1000.00} transfers. BOA then took back the {$4000.00} of fraudulent deposited checks and will not return the {$2000.00} XXXX fraudulent transfers. That is a total of {$6000.00} withdrawn not by the account holders, my daughter and myself. This leaves me out {$2000.00} of my own money. BOA fraud department requested that I send in my phone records and make a police report. I did this. Phone records show it was not my phone at the time of the deposits or XXXX transfers. Police reports were made to FBI XXXX and local Sheriffs office. 
BOA has not responded but to say case closed. No refund. 
Each time I call BOA the wait times are well over 1 to 2 hours on hold. Many BOA numbers are not even in service. 
Please see the attached letter for complete details.
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

This is my work phone number. It is clear when you call and listen to my voicemail that it is a business line. They have not tried to contact me via my personal line. I do not appreciate continued phone calls while I am at work. The 3 -4 times a day.
Consumer complaint received 2019-05-06
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. (FL)

I have disputed this account with XXXX and Trans Union and I have filed a complaint with your bureau. No one has investigated my claim. I even went as far as filing a XXXX complaint and still each entity set in place to protect me as a consumer has failed so I am trying one last time since I now have proof of this companies erroneous claims of an unpaid debt and obvious inaccuracies. I communicated via email with XXXX XXXX  XXXX XXXX  as instructed by whomever responded to the XXXX complaint and they sent me a spread sheet of payment history with their company. If you care to pay attention to the spread sheet it shows months on non payment however notations of re connection of service. How can a XXXX company provide me with service AND reconnect service without me paying for months on end? That just is not possible. I have attached the XXXX spreadsheet and a screen shot of the email communication confirming that the payments left blank is indeed what the company shows. Again i'm asking that this collection be removed because there's just no logic to their claim. I as the consumer should not be held responsible for a {$13000.00} collection from XXXX XXXX when its clearly an error on the XXXX companies behalf. They are refusing to admit fault and recognize that this does not make sense.
Consumer complaint received 2022-02-15
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. (MN)

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXXXXXX XXXX  Date Updated : XX/XX/XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-05-06
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: Experian Information Solutions Inc. (CA)

To Whom It May Concern, Multiple Dispute Letters were sent out, also last one sent out was a 60 day letter to Experian and XXXX. They received the last letter XX/XX/2019. I asked them multiple times to verify and delete derogatory item. Please advise. 


Thank You
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance Collection Agencies, Inc. (WI)

I contacted Alliance collections about putting 8 collections on my credit for the same collection and how it was an unfair practice for them to use my doctor dates of services and the broken up bills that the hospital sent them for the grand total, when those dates of services and those bills were never sent to me like that in the first place. They wrote back to me telling me its basically legal for them to do that..and sent the list of the dates of service. Those billls were sent to my insurance and then sent to me. So i got them as a big bill. I know you ( Allaince ) got contracted to pay off one amount. Not all of the little amounts you are are trying to use as your bills to ruin my credit and make me pay faster. It only makes me want to contact a lawyer and see what i can do because i have proof that it was one bill from the hospital. being on XXXX, is hard getting by anyway, and when you do this to people to hurt them it is terrible and it is unethical i feel to ruin someone's credit when they are paying you just because you want them to pay quicker. I know I owe, it is not about that or the amount. It is about you putting 8 hits on my credit for one bill from the hospital. That is ridiculous. That is unfair and unethical  practices.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

This letter is regarding an account, which you claim I owe {$94.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

Last year I told consumerinfo.com that I did not want or order their services. They refused my request to terminate their unwanted services so I terminated my Experian account to get rid of them. I restarted me Experian account to basic and all of the sudden I got an alert from my XXXX XXXX account that consumer info.com charges my XXXX XXXX card AGAIN on XX/XX/2022 without my authorization of knowledge. I dont want anything to do with consumer info.com or any of their affiliates. I have tried to contact them in which they put me on endless hold times and I also contacted XXXX XXXX who reimbursed my account and they blocked consumer info.com from all of my accounts. Hence, this is the reason for my formal complaint with this aggressive, bottom feeding and predatory company. Thank you.
Consumer complaint received 2021-12-07
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: Resurgent Capital Services L.P. (SC)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2018-09-10
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: Santander Consumer USA Holdings Inc. (GA)

I purchased a car and it was a total loss. The company Santander was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.
Consumer complaint received 2018-09-10
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. (CO)

I seen Student Loan Forgiveness contact information, so I decided to call for Information. The representative informed me that my balance would go up with XXXX and I would have to pay an initial fee of XXXX. I wasnt interested, so we did not move forward. I now have them on my credit report saying that I owe them money as well as my original student loan company. XXXX needs to be removed off of my credit report all together. I didnt authorize them to do anything with my account
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harley Davidson Financial Services Inc (OH)

Acct ending in XXXX was paid in full on XX/XX/XXXX at XXXX am. Confirmation number XXXX for XXXX XXXX in XXXX KY. On that day he signed over and legally notarized the bike to us. As of yet we can not get the Harley fiance department to release the lien. We have called a number of times. They claim they sent a letter XX/XX/XXXX but yet he has not rec 'd anything. He allowed us to talk to the bank and give his permission to release anything to us. We ask that just lien release letter be sent to our BMV  so we can get the proper title. Right now because they refuse to do anything on a bike they no longer have interest in we are forced to take money our of our 401K which we will be hit with serve pentalty at the end of the year, until we get the title correct we have to pay off the entire bike with the loan we have. I want a lien release letter sent to our BMV  and to be refunded any money we lose due to their unwillingness to release the title when we have a legal document showing the bike is ours not. We have 3 days to fix this until we have to take your 401K money out which will cost us {$7700.00} in taxes that I will need refund to me and all the extra interest I am paying!
Consumer complaint received 2018-08-23
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. (TN)

It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP (NM)

LInebarger Goggan Blair & Sampson LLP repeatedly attempt to collect on a debt for XXXX XXXX  XXXX that I have proven repeatedly was discharged in a bankruptcy. I have certified mailed them the bankruptcy documents repeatedly, beginning late 2016, when they first attempted to collect on this discharged debt. Also, at that time, they were not licensed to operate in New Mexico. They are again attempting to collect on this debt, calling it a Notice of liability, claiming to collect for the XXXX XXXX XXXX. They are harassing me, and threatening to put this on my credit report as a valid debt ; all the threats they previously made.
Consumer complaint received 2018-09-10
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. (CA)

XX/XX/18 My fiance calls XXXX to see what their prices are for a home security system. He gives them my name, address, and birthdate ( does not give my SSN ) so that they can do a price check. They asked him if they can run my credit. He said NO and didn't complete the call with them. Didn't think anything of it. 

XX/XX/18 I see that a credit check from " XXXX XXXX '' has shown up on my credit file for Equifax. I don't even know what that is. I do some research and figure out that it has to do with XXXX. I call them immediately and speak with customer service. I tell them that I never authorized them to check my credit, so they need to get the inquiry removed. The first rep laughs and says there's no way to do that. I ask for a manager. The manager says there's no way to do that. I ask for his manager. That manager says I need to address it directly with Equifax. 

XX/XX/18 I finally figure out how to file a dispute with Equifax online, so I file it as " Unauthorized inquiry on my credit file ''. 

XX/XX/18 I get a response back that my dispute has been completed. I try logging in to their site, but am unable to do so. 

XX/XX/18 I call them and speak with someone in the disputes department who tells me that my dispute has been declined and that the only way to get it fixed is to contact the company that ran my credit directly. To which I replied that I already had. I asked to speak with a Manager because I didnt like his answer. His Manager gets on the phone ( her name is XXXX and she refused to give me any identifying information even though they asked me for 30 pieces of identifying information to even discuss my file with me ) and she tells me theres an internal process that the other company can complete to get the inquiry removed. I ask her what the process is so I can call XXXX and walk them through it, to get them to remove it. She tells me she doesnt know the process and no one does and that theres no further info. Then she tells me shes a supervisor and I ask ( AGAIN ) to speak to a Manager to which she responds : I cant transfer you to the manager because Im the last line of the escalation process. She refused to assist me any further.
Consumer complaint received 2019-05-06
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: Experian Information Solutions Inc. (IN)

i have sent several letter to the credit bureaus asking for verification of accounts on my report. Instead of the information I requested, I get and updated credit report stating the accounts are accurate without the names and numbers of the person that verified theinformation like I requested. I sent a letter a letter to XXXX   regaring verification of inquires. I received a letter stating it was notmal practice for dealerhips to submit my application to multiple dealerships. and not the infor I requested. I still have yet to receive any infor other than emails stating my dispute was completed and accounts are accurate.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (PA)

I have an American Express Bluebird Account. I had two foreign deposits that are missing. I had a deposit on XX/XX/2018 from XXXX XXXX refunding a ticket for XXXX Euros, and a deposit from a job based in XXXX, for {$500.00}, on XX/XX/2018. Neither of these deposits is in my account. Both companies have provided proof that they deposited the money into the proper account, but it has never arrived. 

I have tried to contact Bluebird via their two XXXX numbers provided, and you CAN NOT get a human point of contact, ever. I have literally tried over 20 times to call them. I then tried the American Express headquarters and they stated they do not handle Bluebird, and gave me the XXXX number I previously attempted. When I told there is no human point of contact, they apologized but offered no solution. 

I sent Bluebird several emails via their customer service email address. They did not return or acknowledge them. 

I sent them a letter via USPS mail. I have heard nothing. 

I sent them a XXXX via their customer service XXXX forum. They did not acknowledge it. 

I want my money returned. They have not acknowledged my complaints and completely ignored me, and not offered proof of where this money is, and the other two companies have offered proof of completed deposits to my bank account, but Bluebird has taken illegally taken that money and will not acknowledge my complaint. I either want proof of where the money is or irrefutable proof it has been returned to the other companies, who are showing proof it was deposited.