davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (FL)

XXXX accordance with the fair credit reporting act XX/XX/XXXX account # XXXX XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX, # XXXX XX/XX/XXXX, # XXXX XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-04
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00}, XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CT)

Received yesterday an XXXX of XXXX XXXX  XXXX card and activated it at MyPrepaidCenter.com. Its value is {$100.00}. After registering, I attempted to make a purchase on XXXX, which is listed as one of the stores where the card is accepted. The attempted purchase amount was {$50.00}, but the transaction was declined. I thought I may have typed in the number wrong, so I tried again, but it was declined again. I attempted to contact MyPrepaidCenter, but the automatic response system does not give me access to a person. Finally, after just one hour of this, I noted my balance was {$97.00} with no transactions noted?
Consumer complaint received 2018-10-16
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 — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC (GA)

BMW Finacial was contacted to submit payment the representative that assisted told me the exact amount and date that the payment was due. I submitted payment on that date! They stated that payment was due prior but a representative on a recorded line explained in detail the date. I now they have reported 30 day late and that is inaccurate! I have requested removal and they are not willing to help or pull recorded conversation. I have never paid past 30 days and due to the inaccurate information provided by BMW rep I now have a problem for the month of XXXX and XXXX. I was also told that a partial payment of {$500.00} was acceptable and I would not be reported since I was also making the {$97.00} on the next business day.
Consumer complaint received 2022-05-04
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00}, XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-11-05
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. (CA)

i personally submitted this request to all three credit bureaus. I went to XXXX XXXX  in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX  XXXX XXXX. I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections & Outsourcing is reporting an expired debt on my credit files. Also, the original creditor, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, no longer owns the property or the debt. 
Moreover, the original lease agreement is not signed by an authorized agent for the LLC. 
The Ledger shows that the Date of First Delinquency commenced XX/XX/2011 and continued each month until eviction was filed and writ was executed. Also, the ledger shows that a Late Fee of {$45.00} was charged the same months. 
According to the credit bureaus, the XXXX XXXX XXXX XXXX, XXXX, the original creditor, gave Fair Collections and Outsourcing the authority to handle this matter and the date of first delinquency. However, since, XXXX XXXX XXXX XXXX, XXXX, is no longer in business, and does not own the property or the debt. I am stuck with no option but to seek recourse through the XXXX XXXX XXXX. 

. 

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Consumer complaint received 2023-01-04
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2022-05-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX and a lot more companies, 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 2018-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (OR)

I had a dispute with XXXX XXXX XXXX about XXXX. I have a written renegotiation of my contract that XXXX defaulted on and turned off my service. I stopped paying and sent back their equipment. They turned the bogus collection over to Credence Resource Management and Credence sent me a letter. I sent Credence an email on XX/XX/XXXX, telling them that I did not owe them any money and I did not owe XXXX any money and informed them to NOT contact me again about this bogus claim. I received another letter dated XX/XX/2018 about the bogus debit. This is a clear violation of the XXXX.
Consumer complaint received 2018-10-16
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. (SC)

Inquiries such as XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 TRANSUNION LLC IS reporting inaccurate information on my credit report Ive disputed this info 2 times still I have No response/ evidence bearing my signature, of this being accurate.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/2018 and XX/XX/2018 I had multiple fraudulent charges made to my Walmart MasterCard Account XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX for {$550.00} - refunded to my account. 
XX/XX/2018 Balance Transfer for {$1100.00} - still on my account and not refunded. I have contacted Walmart CC multiple times and am told that it is in their Fraud Dept and I will hear back from them soon. So here I sit, months later and am still paying on the balance transfer. They have refunded fees and interest but have not dropped the charge.
Consumer complaint received 2018-04-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

My paid subscription directly with Experian is showing a 53 point higher credit score (  Fico Score ) than when my lender pulls it ( XXXX ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.
Consumer complaint received 2022-06-12
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: CITIBANK, N.A. (NV)

I received a text from phone number XXXX stating that my CITI account had a {$780.00} transaction/withdrawal attempt that was declined from XXXX XXXX XXXX When I tried to call the number, it was not CITI. Since this happened today, Sunday XX/XX/XXXX, I will have to wait until tomorrow to call CITI. I was also provided with a link to CITI, XXXX XXXX XXXXXXXX. This link connected me to a CITI log-in.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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
Consumer complaint received 2018-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

Since XXXX Ive called numerous of times to pnc. Pnc has charged me and over charged me every month since XXXX. Also says they can charge me daily overdraft fees up to {$96.00} a month. The last two months Ive not been able to pay one bill for the direct deposit I get in. The bank has taken well over half for fees. My husband been diagnosed with XXXX since XXXX and pnc is making a killing for charging me fee after fee. Then one of the calls a employee said I needed to get a job and learn how to use my checking account. When Ive been off taken care of my husband and trying to stay afloat then another employee told me how many fees been reversed and telling me Im out to get free money.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

I am having ongoing problems with wellfargo often I got claim after claim that I'm at no fault and reimbursed but more how often as we speak I'm fighting they keep double charging my account I have to get three hours repeating my problem to get disconnected told I'm a liar just belittle as if I am not telling truth finally I do claim wait no money get letter I am not at fault and close claiinmbut it I'd happening now I'm at my XXXX XXXX is crazy the tell me no supervisor is around and won't put to fraud or complaint I had bank people tell me they don't see me negative I got proof of the XXXX paid alreadyvgoing on twice I'm totally abudrd hours calling back passed off im noe three claims have to wait for money again what do I do
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (FL)

FBCS called me in XXXX to collect a debt for the doc that delivered my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The anesthesiologist that administered my XXXX was paid everybody except XXXX was paid for the birth Delivery and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX for the Delivery of my son I then contacted my XXXX   ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked FBCS when and who sold my debt to them. FBCS gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called FBCS back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at FBCS and cancelled my payment arrangement with FBCS and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to FBCS and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop FBCS from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. FBCS calls me 10 times a day.
Consumer complaint received 2021-09-16
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. (GA)

Paid off my vehicle in XXXX. Credit Report is showing incorrect information. Says its past due and I still owe from 3 months ago. I have paperwork from XXXX  saying congratulations for paying off your loan. 

I would like this whole trade line deleted from all credit reports, for damaging my credit as well as my wifes.
Consumer complaint received 2018-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I sent {$1000.00} through money gram and the transaction did not complete on XX/XX/XXXX. I went to the store where I sent my money gram and called money gram to get a refund and was given a reference number and was told to wait 36 hours before I could get my money back. I have been given 4 numbers in the last 2 weeks and still have not be able to get my money back. The last time I went was on XX/XX/XXXX and was given another set of reference numbers and was told to wait 36 hours. I am not getting my refund back and this company seems to be doing nothing to resolve this problem.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have attempted to obtain a free copy of my credit report based on being denied credit in the last 30 days. When I attempted to go through Equifaxs automated system, I was transferred to an agent who verified my identity. She then says she has to transfer me to a specialty department ( Consumer something ). I am left on hold and never transferred. I called back and had to re-verify my identity only to be placed on hold for the specialty department and then subsequently the call dropped. Equifax is attempting to treat me differently from other consumers because I have filed complaints about their reporting. I would like a free copy of my credit report immediately. I would also like for them to investigate two disputes I have regarding the following accounts : Chapter XXXX bankruptcy - requesting early exclusion as it is less than 45 days outside of the 10 year mark. 

XXXX XXXX - too old to be reported. It has been over 7 years since the date of 1st delinquency in XX/XX/2011. 

My rights are being violated by Equifax. XXXX and XXXX are reporting accurately however Equifax is discriminating against me in a retaliatory fashion for submitting complaints about their handling of my consumer report.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX has put on and removed this account from my credit report on multiple occasions after being confronted with evidence the original creditor continued to bill after policy was canceled because car was transferred to another owner that got another policy of her own with another insurance agency. In fact I was owed a prepaid balance! I will provide this again and would like information on how I can seek damages for years of aggravation and adverse affects of inaccurate information on my report.
Consumer complaint received 2018-10-16
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. (GA)

I have disputed the late payments on thisXXXX XXXX   XXXX account and XXXX XXXX XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car for XXXX
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

never opened account with XXXX XXXX XXXX. fraudulent account. I only have a state ID that i have had since XXXX, my ID does not end with XXXX, it ends with XXXX, they have the wrong information.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (FL)

I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with a XXXX she advised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # XXXX : XXXX case # XXXX : XXXX