davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
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: EQUIFAX, INC. (TX)

In XX/XX/XXXX, I submitted disputes to XXXX, Equifax and XXXX requesting the deletion of all medical collections from my credit report and Equifax assigned dispute # XXXX. I submitted another dispute XX/XX/XXXX and was given the same dispute # from Equifax which lead me to believe nothing had been investigated and nothing was going to be investigated. I attempted to access the link that they sent me and upon troubleshooting multiple times kept getting the error message " Sorry for the inconvenience, currently service is unavailable. Please try again later. '' I submitted another dispute just recently to see if that would work and the only thing that it did was finally create a different dispute number but the link for status still does not work. I contacted their office and was told the information could be given verbally and could not be sent via email only by mail. When asked why a result email option would not be available, wasn't provided any additional details. Tried calling this morning XX/XX/XXXX and was looped around the system for 45 minutes. After the system hung up on me, I called back and was told that their systems are updating so I would have to call back in 30 minutes to an hour. This lack of investigation is hindering a refinance and should have been completed in XX/XX/XXXX so we would not have reached this point. The service that I have received thus far is a complete joke.
Consumer complaint received 2021-02-09
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. (FL)

I have been disputing an inaccurate late payment with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 and again on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. I still have absolutely nothing from any of the bureaus ; No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAM National Arbitration and Mediation (LA)

I don't know who this is or what this is all about but I keep getting these phone messages from someone named XXXX from an ( XXXX ) XXXX phone number saying that legal action will be taking place and I will be arrested for so debt I know nothing about. I've never received anything in the mail and this man has contacted my ex-husband.
Consumer complaint received 2017-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX Unauthorized Inquiry not my account. 

I have contacted Transunion about each inquiry that was Unauthorized not did I know about it till I actually pulled my credit report. I sent them a letter disputing each inquiry and they sent me a letter back stating they needed to know why I was writing them and they denied my dispute. I would like for these inquiries to be removed because they were not made nor authorized by me. I have uploaded my ID and social for proof of identity.
Consumer complaint received 2019-04-08
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. (MI)

I contacted Transunion on XX/XX/XXXX to request a dispute of the 2 accounts listed on my credit report, XXXX XXXX ( {$1400.00} ) and XXXX ( {$2200.00} ). Both accounts are not mines and are fraudulent. I contacted Transunion on XX/XX/XXXX to dispute, the collection account from XXXX XXXX XXXX ( {$700.00} ) and two inquiries on my credit file, both as a result of fraud. The two agencies that request my information are XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I received a letter from Transunion stating my dispute would take an additional 15 days. This is in violation on the FCRA because they are separate accounts and dispute. The FCRA only allows an additional 15 days if the account is repeatedly being disputed. Furthermore, I submitted a dispute on XX/XX/XXXX disputing XXXX ( {$1900.00} ), which is another fraudulent account. There are laws regulated by the FCRA regarding disputing. Since I am a victim of fraud, I requested verification of these alleged debt and not simply automatic verification through a dispute system. I am requesting a copy of original documentation under Section 609 ( 2 ) ( 1 ) ( A ) and Section 611 ( 2 ) ( 1 ) ( A ) a consumer contract with my signature on it to verify the alleged debts. These items are required by law to protect me as an identity theft victim. I simply would like my credit restored pursuit to the FCRA. I understand Transunion handles millions of consumer 's credit file ; nevertheless, I am an individual and relentless to restore my credit, as well as dispute fraudulent accounts listed.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Information Bureau, Inc. (FL)

I received a letter from a collection company fall Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I recieved the letter on XX/XX/19 for a billl i was not aware of, because i already paid my hospital bill that for XXXX in full. The representative that i spoke with from XXXX XXXX XXXX , IXXXX goes by the name of XXXX, he said he didnt have an employee ID. He was really and extremely disrespectful put me on excessive hold without requests and not willing to negotiate or answer simple questions as little as did he purchase my debt. The actual worst representative ever spoken to. Really rude and actually hung up the phone in my face stating Ive been doing this for 30 years.
Consumer complaint received 2019-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I keep getting calls from different numbers claiming to be HSBC or Household representative bank and they are trying to collect a debt from a credit card they claim I " may have had '' prior to bankruptcy. I told them my bankruptcy was settled and paid and there were no outstanding debts, they insist I owe this and the bankruptcy only paid interest and not the principal. They keep saying the woman XXXX XXXX is my contact. She keeps claiming cops are coming to my place of work to arrest me, they've even called my husband. the most recent number is XXXX and they will NOT mail me anything that I ask for,
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX, Experian, XXXX and XXXX are in direct violation of the FCRA Laws list below. 
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.

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 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I have been trying to manage my credit information that Equifax is holding hostage ever since the breach in 2017. The process is unreasonable and unnecessary. Today, I again attempted to login to Equifax to verify the status of my credit report freeze/lock. Note that I am not able to access my free annual credit report either. I placed a freeze on my account in XX/XX/2017. However, I have not been able to access my account online, and when I attempt to retrieve my password I run into an issue that requires me to phone them directly, despite my providing the verification number they sent to my phone. I have the PIN they provided me at the time I placed the freeze, but without first logging in to my account, I am not prompted to provide it. 

So, I contacted them by phone, and spoke with " XXXX ''. I ran into the same sorts of problems trying to get this resolved over the phone as I did online. At one point XXXX asked me for my full social security number. I chose not to reveal that. They want me to mail them photocopies of my driver 's license or social security card along with other confidential information. I am not comfortable with mailing confidential information of that nature. 

The process is unreasonably burdensome, and I resent having to pay them for their so-called " services '' when the information they are using is MINE, not theirs. They should be paying ME, not the other way around.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Last XX/XX/2020 I tried to call customer service at Capitol One credit card to get my phone number changed, and address changed before I relocated to XXXX from XXXX XXXX.. customer service told me to wait after I relocated then call. So I did ... ..When I called they said they could not verify it was me by my cell phone number since I was on my daughter and Son in law 's plan.. ( I gave them my Social security # etc ... .the reason was because I discontinued my land line and I am on a shared cell phone line with my Daughter and son in law billing because they own a XXXX store in XXXX XXXX.. ( it's cheaper for me to be on their plan ) they stated either I get a land line number in my name again OR a separate cell phone # in my name they would not allow me to go on line again to pay my bill or see my charges ... .. ( I had discontinued the paper bills four years prior ) and paid my bill on line each month ... ... ..Then when I complained they had a representative from Capital One call me and she was sarcastic and condescending about my being on my Daughters cell phone sharing bill ... .and that nothing they could do for me because they had no proof of who I am.??????? all this after I gave them my complete Social security # my new address in XXXX  etc ... then she wanted me to send her my drivers license as proof who I was ( are you kidding me? ) ... ... it's been a nightmare and four months later I still have no paper bills sent and I can't read my statements on line..nor can I pay extra to get my bill paid down ... .I have been a card holder with them for over 16 years and no problems now all of a sudden they are saying they can't help me get this straightened out so I can get back on lien to pay my bill each month nor can they send me statements..I had no problems with XXXX XXXX card nor XXXX card when I relocated ONLY Capitol ONE ....
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (WA)

My name is XXXX XXXX XXXX My ss # is XXXX XXXX XXXX My DOB is XX/XX/XXXX I have 2 accounts with XXXX, both credit cards with XXXX balances. 

In XXXX of XXXX I used the XXXX rewards card to purchase internet access for {$7.00} on An XXXX XXXX Flight to New Mexico. I never used the cards since and am also in very good standing with Barclaycard. My bank to make repeat payments was closed that I was expecting to make on the {$7.00} balance, I did this to simplify my finances. 

At the time I was traveling in XXXX XXXX, NM, ( From XXXX to the end of XX/XX/XXXX ) - and was not receiving any mail that would be sent to my XXXX XXXX, and never received any correspondence from Barclaycard, not did I received any email correspondence also. 

Earlier last week I saw that the {$7.00} charge was posted to my credit report, yes .... the {$7.00}. Given my good standing and the fact that this was so petty, I called Barclay Card 's customer service - went through the phone tree and was repeatedly told that I made a mistake by not paying the {$7.00}. 

I was escalated to a manager and was agreed to be contacted back with a resolution and NO ONE from Barclaycard has contacted me. They mentioned this would be over email and I also confirmed my email. 

Today, a week later XXXX, I call Barclaycard 's customer service and am escalated again to a manager, and he told me they under no circumstances would they be willing to remove this from my credit report. I let them know that I was expecting written contact from the Barclaycard customer service team and no body responded back to me I feel completely lost in this circumstance, no one is willing to help me. It's not about the {$7.00} its about the fact that we are in the Pandemic and one of the most turbulent economic environments in history and an institution that large is not willing to help, but rather tell the little guy to XXXX  XXXX. Please help me.
Consumer complaint received 2022-09-08
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: FC HoldCo LLC (MI)

15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is Flagship credit XXXX
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit report shows a charge off. I tried contacting Bank of America, but they did not have any information about the account. When I purchased a home in XX/XX/2014, the account nor charge off was present on my credit report. The name on the account is different than my name. The charge off is affecting my credit rating and ability to obtain decent rates on loans. I had a similar problem with a XXXX XXXX card and was able to clear it from my credit report. I hope this misinformation can be cleared from my credit report as well.
Consumer complaint received 2018-09-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (FL)

After working as a XXXX XXXX with XXXX for 2 years I have been suspended as a result of a background check run by Checkr. It reports a criminal background. Four years  ago a malicious employee of the local XXXX, late on a Saturday XXXX  when the management was not present, called the local police and demanded that I be arrested for XXXX. I had been a member for over 20 years and had reported the employee to the top manager on several occasions. When the manager came to work Monday and learned of the incident he immediately personally went to the local office and had the charge dropped. He also terminated the offending employee. Because there were no charges or litigation this ought not to have appeared on my background report. The employee had no authority to act on behalf of the management. XXXX has terminated me and jeopardized my financial position based on a spurious " criminal '' background. I am enclosing the information that I have sent to XXXX, so far without success :
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I was making a purchase from Cabelas on-line. A pop-up suggested I apply for the Cabelas branded card, which I did. 

Last week, when checking my credit report for another purpose, I was reminded of the application. I then discovered it was through Capital One. I called and was told I had been mailed a letter and they would not talk to me until I had it in my hand. I told them I had not received the letter and they said it would be remailed. My wife received the letter late last week while I was on business and she texted it to me. 

I called again and they refused to speak to me. After I made it clear that I am a bank officer and know the process, they finally told me that a decision had been made on XX/XX/XXXX to deny credit based on an incomplete application. I was never notified of an incomplete or unverifiable application and after I told them they were violating the law, including the FCRA, they asked me to call and speak to a supervisor named XXXX. I called the following day and they refused to let me talk to him. I received a voice mail from him later that day when it was too late to call back. 

Called back this XXXX - XXXX ( a month after application ) and they are refusing to talk to me. They can't tell me what the issue is and I feel like I'm being discriminated against. They've made the credit inquiry so it's also reflecting poorly on my credit report. 

I think there is a chance they were supposed to call me because of a credit alert on my account and they simply did not want to take the time to do so. This would, of course, be discriminating against me for protecting my credit data and would be against the law. 

This is fraud and discrimination pure and simple.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

Community Bank, N.A. in XXXX XXXX mistakenly transferred {$2800.00} from the XXXX XXXX XXXX account to XXXX XXXX of Virginia through the Automated Clearing House despite the fact that we do not have a debit card and do not make electronic payments from this account. Following a series of complaints, the bank refunded only {$1400.00} and claimed that we were not entitled to a complete recovery because we did not notify the bank of our loss within 48 hours. They then charged us {$16.00} for new checks to a new account because the old account was not secure.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

My account balance is totally wrong, and I do not owe these fees. I tried to automatically enroll for payments, and it is not working. The recurrently monthly payment enrollment on XX/XX/XXXX was canceled, it was shown as submitted, and then it was canceled. I also issued 1 payment on XX/XX/XXXX and it was automatically canceled by your system, then I issued the 2nd payment 7 minutes later when I saw that the payment was canceled, the 2nd payment was shown as status 'Canceled '' again and then I issued the 3rd payment when the system showed canceled. This payment was issued and shows status " submitted '' on XX/XX/2020. It has been 4 months since I have been calling and spending hours with customer services from TD XXXX  and they said they were going to fix it. Now it is affecting my credit report. Please fix your system errors, fix my account, and delete this from my credit report today. I need my credit report as it was - Excellent. 

TD XXXX XXXX is charging duplicate charges and fees when the balance has been paid per the Contract/Agreement since I received the phone on XX/XX/XXXX. The balance is overstated with these duplicate charges and fees. 

I contacted them via phone multiple times and they told me that they were going to fix the balance but now it is reported as a collection in my credit report. 

Please delete it from my credit report TODAY, and correct the balance due.