davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
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. (PA)

XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and Equifax but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting a monthly payment of {$360.00}, XXXX is reporting {$0.00}, and Equifax is reporting {$360.00}. XXXX is reporting the date opened as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. XXXX is reporting date of last payment XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and eqifax is reporting XX/XX/XXXX. all 3bureau 's are reporting the number of months ( terms ) to be 73 months when it is 72 months this totally violating my rights and i need this reporting removed from my reports immediately.
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD XXXX
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.
Consumer complaint received 2019-08-04
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. (MD)

I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XX/XX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?
Consumer complaint received 2019-04-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (OH)

Great Lakes Have a attempted to collect a debt that has been deleted from my credit report. The original owner of these accounts was XXXX XXXX. This XXXX XXXX debt was deleted from my credit report. This is ruining my credit and it is violating my rights as a consumer.I sent a letter in XX/XX/2019 asking who was the the original creditor and what was the original account number. They have taken my income tax in the amount of XXXX and I want this money refunded back to me.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

I was gifted a {$500.00} Vanilla prepaid card as a gift from my family in XXXX XXXX. When I tried to use it in XXXX XXXX, the funds have been depleted. After looking online to see what the transactions looked like, there were multiple to XXXX. There were 4 total purchases that totaled {$490.00} on XX/XX/2021. There is only {$1.00} left on the card. The totals were as followed : - {$120.00} - {$170.00} - {$150.00} - {$46.00} I have tried calling Vanilla directly, but have been put on hold for over an hour multiple times. I have read many complaints only about the same item and how Vanilla is very unresponsive to this. I can't even file a formal complaint because I can not get in touch with Vanilla. 

All I want to get at this point is my family 's money reimbursed. That is a lot of money that was just lost. It is ridiculous how many similar stories are online and nothing has been done about it.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I disputed an {$86.00} charge XXXX forwarded to CSC. I asked them for proof of debt/breakdown of how I owed them any funds on XXXX XXXX, as I cancelled the insurance with XXXX in the allotted 30 days ( XX/XX/XXXX - Cancelled, Policy was taken out on XX/XX/XXXX - effective date XX/XX/XXXX ) and XXXX had already debited by account and later refunded my account for a portion of the insurance. I did not and still has not received a breakdown of the debt/how do I owe XXXX any money. I disputed the charges and asked for a breakdown of the debt on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was told by a CSC representative that XXXX responded on XX/XX/XXXX. CSC reported me to the Credit Bureau on XX/XX/XXXX, without providing me a breakdown or any response from XXXX. Again, they reported me to the Credit Bureau one day after XXXX responded and without ever providing me with any information from from XXXX or any information regarding XXXX 's response. I don't believe they have the right to report me to the credit bureau, if this information is in dispute and still today, I have yet to receive the information from CSC or XXXX which supports the debt. When I try to speak to XXXX they state that the debt was transferred to CSC. When I speak to CSC they tell me XXXX states the debt is legitimate. In the meantime, I have yet to receive the information I have been requesting since XX/XX/XXXX and they proceeded to report the collections to the credit bureau.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (KY)

XXXX had reported 2 identical accounts from Commonwealth Financial Systems XX/XX/18 in the amount of {$1300.00} it shows up twice. This is due to identity theft because I have never lived in XXXX, KY. I would these items removed because I have disputed the info and CFS stated they would show I am disputing the inaccuracies.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 2022-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2022 I sent a letter asking to validate the debt they were reporting to my credit report, but I never receive a response. Then on XX/XX/2022 I asked Midland Funding LLC for more details regarding the account to which I again didnt get a response. This has been very stressful. I have right but they are violating them without consequences.
Consumer complaint received 2018-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

XXXX XXXX  XXXX are trying to collect on an invalid debt from XXXX XXXX. XXXX XXXX was paid in Full. I have submitted a separate complaint about XXXX XXXX and the incorrect balance due.
Consumer complaint received 2019-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

During my normal course of business, I received 2 wire transfers from a customer that was large, for a total of {$290000.00}. The money was received w/o any incidents or delays, and I was able to use the some of the funds ( about 50K ) and meanwhile 2 weeks have gone by. Out the blues, on XX/XX/2019, Bank of America decided to close my account without explanation and creating a hostile environment b/w any bank phone operators and myself. I travel a lot in my line of work, and when I finally came back to town, I was able to visit real live people that were very helpful but told me that the bank CAN and INDEED close my account for " suspicious behavior ''. This was one of the many different excuses that I was given over the phone, they ( BofA ) always had a different answer when I call. I know now that, the money was retained as " HOLD HARMLESS '' for an unknown reason or explanation from the bank. This situation makes me feel like I am doing something illegal or criminal, which I AM NOT. I will enclose all the transaction history that proves the legitimate nature of the wire. something that the bank has REFUSED to verify. I can not stress how damaging this situation has been to my business and my finances, I create around 10 % of wealth from that money which creates jobs for other people and my income. BofA has damaged my reputation and business practice with incredible malice, for which i have not gotten even a phone call. I have called repeatedly their corporate security dept. which is the instructions given anytime I call or visit ( Ph XXXX ) and all you can do with that number is to leave a message with a misleading promise that they will call back. I even, went to a lawyer to explore my options, and I will include a document describing their opinion. I can not believe in this day and age of fast moving business, that a banking partner like BofA will attack us with such XXXX like tactics and even threaten to NOT RETURN my hard earned money ( see letter attached ). All the while nobody in the bank takes responsibility for the cost and injury it has caused me.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.
Consumer complaint received 2023-07-26
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. (GA)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Collectors, Inc. (IL)

Over a couple or a few years ago, I did have a medical debt, in which was paid. I had insurance, and i am in fact an XXXX   XXXX  with the State of IL. I spoke with this collection agency Associated Collectors, and they said that this was a mistake ; and that they were going to get this taken care of. They specified this and more all on RECORDING. I have the recording and I am going to use it in court, to sue them. If this is not deleted, i hope this messages gets to them. I will sue with this recording, because they are breaking some sort of laws, there is not doubt in that. 

I have disputed it with the credit bureuas and i have sent a debt validation letter to them directly. Actually two of them. I have included the certified mail receipts to this email, and next, if not deleted, i will file suite with the recording.
Consumer complaint received 2017-11-16
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 (IL)

Since XX/XX/XXXX, I have experienced fraud with my Capital One credit card. Numerous cards were sent to people calling in as me. 
Cards ending in XXXX, XXXX. I had credit card XXXX until they recently deactivated it. I was charged fast card fees for cards that were not requested by me. They have since been reversed. 

I made a XXXX payment on XX/XX/XXXX. I called on XX/XX/XXXX to see if payment was received. I learned the card I was carrying was deactivated and a new one was issued but not by my request. And I was never informed the card I was carrying was deactivated. 

It has been very frustration to have continued problems occur when security measures should have been put in the place during the first incident back in XX/XX/XXXX. But they werent. 

Ive had to file two Better Business Burea reports and a report with my States Attorney office just to get a response from Capital One. 
They are not customer service oriented. They arent interested in helping their customers. 

Today, I received a call from them only after I filed a second BBB report. They told me my account doesnt offer a settlement based on fraud. This reasoning is ridiculous especially after added security measures were put on my account, they continued sending out new cards to the people committing fraud. 

I would like a settlement on this account so I can be done with Capital One. I would also like some kind of permanent public remark left do other consumers are aware not to apply for a credit card with them.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This complaint is for all three credit bureaus, not removing information from my credit file and TransUnion requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting for XXXX XXXX a debt amount of {$1500.00} from 2016 on my current TransUnion report. This is false because my explanation of benefits sent to me by XXXX XXXX XXXX XXXX XXXX XXXX  in 2016 indicates XXXX billed total amount of {$3600.00} and XXXX paid {$2000.00} and that the remaining XXXX would not be billed to me per the contract XXXX XXXX has with XXXX that states XXXX is a in network provider they agree to take the payment amount allowed and not bill the patient ( me ) for any balance owed. XXXX inaccuracy states on the invoice for the {$1500.00} my insurance company as Florida XXXX XXXX. XXXX told me XXXX denied the whole amount for an invalid billing code. I called my doctor and had them investigate this and all the correct codes were provided and they were paid the amount allowed and were not to bill me the remaining amount. I have sent all this proof to Transunion and XXXX XXXX XXXX wont even give me a chance to send proof to them they say talk to XXXX. I have talked to XXXX along with my doctor and they will not call XXXX XXXX to stop this debt. They are bullying me and illegally trying to force me into paying this money to clear my credit report and name. Please help me.
Consumer complaint received 2017-11-16
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. (CA)

On XX/XX/XXXX, I received an email from XXXX XXXX with an " Important Account Status Notice of Credit Limit Reduction, '' notifying me that my credit line has been reduced from {$10000.00} to {$2000.00} based on information provided by Experian. I attempted to contact Experian today ( XX/XX/XXXX ), but their website does n't allow for an individual to make complaints, but only by " Company '' accounts. I called XXXX XXXX and spoke with a representative whose name I ca n't spell or pronounce, but who had informed me that my credit line was reduced by {$8000.00} because Experian is reporting that I am delinquent on one or more accounts. While I had contested the delinquency on an account, the credit provider stated that they had reported the correct information in that I was never delinquent. However, Experian continues to report the false information and has negatively affected my credit and credit rating. I have never been delinquent on any account for at least 45 years. This false reporting is creating a hardship for me.
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a number of misleading threatening phone calls over a span of several years from XXXX XXXX XXXX who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company