davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Thursday XX/XX/2019 I attempted to contact 'XXXX ' to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'XXXX ' employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'Transunion ', I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'XXXX ',  not surprised, could not log in. 
*I locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies XXXX, XXXX, Transunion have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3 agencies unreachable through online log in at the same time??
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (AZ)

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Firstsource is engaging in said violations of latter federal statutes. Firstsource did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (TX)

My winnings were taken at a Ohio casino for alleged money owed to state of Ohio and I have sent proof of residence for year in question which shows I was not living in Ohio at the time please have Ohio XXXX attorney General and reliant capital return my money please
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (IL)

I have had accounts with bank for years. I had a premium checking account that all of a sudden was being charged monthly fees for because I couldn't maintain a certain balance that had not been a previous requirement. So PNC bank change my checking account to standard checking account with no fees however they then started charging me {$10.00} monthly service charge for my money market account because I dont maintain a certain balance or have a large enough auto monthly deposit. Neither of which were original terms. Can they just arbitrarily change agreement terms?
Consumer complaint received 2024-03-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. ()

I was gifted a Vanilla Visa gift card ( https : //www.vanillagift.com/ ) for {$500.00} from my previous company on Tue, XX/XX/XXXX and ever since the first use it has not worked. I left it go for a while and began calling the company ( number on the back of the card : XXXX ) in XX/XX/XXXX to get Vanilla to send me a new card. I can still see the card has the full balance on their website and they will not let me access funds! The company seems to all be based in XXXX and could be a total scam. 

I've listed my actions below : Called XX/XX/XXXX Was given a Visa vanilla case number. 
Said they would issue a new card via email within XXXX weeks Called XX/XX/XXXX Said there was an escalation error would take XXXX more weeks XXXX XXXX was the service agent 's name Called XX/XX/XXXX Spoke to an agent and then their supervisor and was told the card would be refunded by Check in the mail within XXXX weeks after giving out my address and email. 

Called XX/XX/XXXX Said the case was routed to the the " wrong '' department and that it is now with the correct department and should be reviewed within XXXX week Call XX/XX/XXXX -Said needs a few more days on the case -Said agent on last call created the wrong case Maximum 30 days Confirmed {$500.00} sill on the card XXXX- said to call back THIS IS A SCAM!!!! They are holding my funds with no resolution since XXXX ....
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

Auto has been repossessed since XXXX, in XXXX of XXXX there was a XXXX amount added to my outstanding balance, in addition to this while I had the vehicle and made payments over the phone they charged a fee XXXX that I was always told would be credited to my account. I was told in XXXX by my salesman that my credit score was below 500 and at the time of purchase did not have a valid driver 's license, I paid gave my salesman XXXX down and had to give him an additional XXXX some of which he said was a loan origination fee. There has been a class action lawsuit against Santander that includes 34 states but not Missouri. This account has continued to do damage to my ability to do anything!!!! THIS ACCOUNT IS BEING REPORTED AS A NEW LATE PAYMENT every month DURING A NATIONAL PANDEMIC ... AND VIOLATING THE " C.A.R.E.S ACT ''
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

This began with XXXXXXXX XXXX, submitting payment in the amount of {$1200.00} to Wells Fargo for payment, which was the incorrect amount that was due, soI had to put a stop payment on the payment, and no other.When I called Wells Fargo and told them to stop payment on the submission, they stopped payment on all submissions from XXXX XXXX   which was incorrect.I did not tell them to do this, and I was not informed, that this would happen.I received an alert from the credit bureau, informing me that my credit score had dropped 100 points, because of late payments to XXXX XXXX, I was shocked in disbelief, because I knew had paid this bill, and was never late.I then called XXXXXXXX XXXX  XXXX for an explanation, and was also told the payments were stopped, I informed them, I never did this, and I would call Wells Fargo.I called Wells Fargo XXXX and was told we put a stop payment on the name of the bank, which means we return all payments, and you never called to have it reversed.I then told this person, that I was not informed, that this would happen, because you never told me about your stop payment policy, of denying all payments, when you mean one, you should have contacted me to verify, now my credit is ruined, because ofwhat you did.I asked Wells Fargo to write a  letter and fax it to XXXX XXXX XXXX explaining the situation, that I did not place a stop payment on all their submissions.I was promised by a customer svc.rep that she would fax it over right away, which was on XX/XX/18, but she lied to me, the bank said they never received any such letter.Then on XXXX, I called back and spoke with a supervisor, and was told we have to investigate this matter, instead of taking care of the matter, in regards to faxing the letter to XXXX XXXX XXXX as promised.These people donot care about their customers.If this matter is not resolved promptly, and my credit score restored, I am going to seek legal counsel, to have it resolved.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (KY)

Received a call on my cell phone today at XXXX am looking for my husband. We have not received any notification of this debt from the collection agency or my rights to dispute the debt. They demanded payment within the first 30 days I would assume since I have received nothing from them. I told them I disputed it and the collector states " ok so you are disputing the debt? '' I answered yes. He said " okay '' and hung up. Since that call I have received 3 more calls as of XXXX about the debt. I asked them to cease and desist from calling my number. They put me on hold, transferred me to someone else. I asked the new person to not call my cell phone again, she asked if I knew XXXX. I said yes and to not contact me again. I explained to her that she had already violated FDCPA and she spoke over me I have no idea what she said she talked so fast and hung up on me. 
I will be hiring an attorney for FDCPA violation for not sending me notice of my rights to dispute and demanding money in the first 30 days of them receiving the file. I will also have attorney file TCPA violation for calling my cell phone repeatly and not ceasing and desisting as I instructed when the cell phone they called is mine and mine alone and is in my name alone.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (OR)

My auto loan with Bridgecrest was paid off on XX/XX/XXXX. 

They correctly reported the account closed and paid in full XX/XX/XXXX, but then reported it open again with a full balance of {$37.00} on XX/XX/XXXX. 

XXXX showed the account still open with a balance as of XX/XX/XXXX. 

I disputed it as inaccurate on XX/XX/XXXX and they apparently again changed the account to closed and paid off on my credit report.

However, again several days later changed it back to open and denied the dispute saying it was accurate as-is.

I opened another dispute today stating that the account was paid off in full the last week of XXXX, and is closed and paid in full as agreed. 

I then called Bridgecrest a few minutes ago to see why they are apparently telling XXXX the account is open with a balance when it is paid off and closed. 

The Bridgecrest representative told me that they only report to the bureaus at the end of each month. 

I asked why then did you report it as open with a balance at the end of XXXX when it was already paid off? 

As well, I asked why did they tell XXXX when I disputed the status of the account on XX/XX/XXXX that it was still open? 

Their answer was that at the end of XXXX they will report to the credit bureaus that the account is closed and paid off in full, which is a full XXXX months AFTER it was paid, and AFTER they've already falsely changed the status from the accurate status of closed and paid, back to open with a XXXX XXXX balance! 

I said that does not answer my question as their report to the bureaus in XXXX was inaccurate and false since the account had been paid in full and closed in good standing, AND it had already been accurately reported as closed and paid in the first place! 

As well, I said that also does not answer my question as to why they falsely reported my account still open to XXXX in XXXX when I filed the dispute on XX/XX/XXXX about the status. 

Bridgecrest has now knowingly reported false and inaccurate information to XXXX at least twice within a XXXX  day period. 

Upon contacting them today, they declined to correct any of the inaccurate information they have reported and are purposefully declining to comply with the FCRA.

They are knowingly violating my right to dispute false and inaccurate information they report about my credit to the bureaus.

This willful failure to follow the FCRA has now significantly and negatively affected my credit rating with the bureaus.

As a small business owner that depends upon my credit rating to help attain needed capital to support my business, and fund payroll for my employees between client project payments, this willful violation of the FCRA is directly negatively affecting my livelihood and financial capabilities to successfully run my business.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

This company is reporting unverifiable, inaccurate accounts on my consumer report. I do not and did not give them permission to report any information or obtain this information. I opt out of their reporting, they are to delete all information they are reporting on me ( XXXX XXXX XXXX XXXX except for my only address XXXX XXXX XXXX, XXXX, Va, my first-middle-last name, my only email XXXX. I have a right to privacy according to the privacy act of 1974, they are to leave my report frozen as well and not share my personal information without my written express consent.
Consumer complaint received 2022-07-22
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. (MD)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account XXXX 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 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage company double charged me and now are attacking my credit with past due every month hurting my credit score. Also, I told them I was laid off for Covid and they still keep hitting my credit score every month. I even went so far as to say put it on the back of the loan and stop hitting my credit score every month.
Consumer complaint received 2023-03-06
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. (FL)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2024-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

I have multiple recurring transfers setup in various external accounts requesting money from my Marcus by Goldman Sachs savings. The transactions were successful until recently when Marcus starts to reject these transfer requests SILENTLY. There is no communication from Marcus and no transaction records on Marcus side. I only find out when the requesting banks notified me. There are two such transactions - XX/XX/year> : Transfer request from external account A for XXXX XXXX, rejected due to " Account Frozen '' - XX/XX/year> : Transfer request from external account B for XXXX XXXX rejected due to " Account Frozen '' I have sufficient funds in Marcus, but not able to pull them out. As a result, I was charged rejection fees by the external banks. Based on my research on the internet, this seems to be a result of Marcus ' over sensitive fraud detection system.

I tried to speak to Marcus ' customer support. They were not very helpful. All they said was " we don't have transaction records, you should talk to the external bank instead. '' Given this, I not only got charged with the reject fee now, my future requests could also be at risk. Specifically, future transfer request could be 1 ) silently rejected, 2 ) I won't be able to disburse my funds in time, 3 ) I will get penalized by a rejection fee.
Consumer complaint received 2022-01-15
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. (FL)

I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (CA)

They have been calling me multiple times a day and from a different number every time. Sometimes they call from what looks like a local phone number, they don't leave messages and when I return the call to see if it's something I should be responding to, I block my phone number and somehow they know it's me. I have disputed this several times over the past 3 years. This debt is not mine and is incorrect. I have written to all 3 credit bureaus, they just keep sending me letters saying that they're verifying the debt which of course they will verify it on their end when they're trying to collect money from people. The deception lies in the fact that they purposely call from different phone # s that look local or even like an area code that I've recently had communication with. Why do they need to hide behind fake phone numbers unless they're illegally contacting me and others? This is absurd. I'm going to report them to every entity possible including the XXXX and the credit bureaus again.
Consumer complaint received 2022-02-17
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. (MI)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.