davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (WA)

I have realized that my credit dropped 55points from a derogatory mark from Radius Global Solutions for {$210.00} bill payment for XXXX. I had no idea what I was owing to the company. 

I had few months of internet services last year but I found out that my apartment building doesn't have good service with XXXX. I complaint the service problems and they gave me free of charge for the months of services I had to pay. Then I returned the modem. XXXX never billed me anything after that. Then I found out about this through XXXX XXXX that the credit collection agency put the derogatory mark on my credits. I take care of my credit reports and take it very seriously. I try to keep my scores over 800. 

I called XXXX and after talking to them for 2 hours with 5 different departments, they told me that they had a mistake to put charge on modem which I returned. Then they said I still owe {$110.00} for service fees which supposed to be free of charge since I didn't have any good services. 

I still need to call their financial department but I can never get the representative. I run multiple companies and travel a lot internationally. I really need help to solve this issue so that I can have my credit back to 800 level. 

Thank you
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I tried to dispute a charge for the amount of {$1600.00} made from my bank of America account on XX/XX/19. I never received the services from the merchant so I requested a refund I never got a response from the merchant on my many attempts. I started a dispute with my Bank. During the process, my bank never kept me updated and I had to keep calling weeks after weeks to get updates. My bank finally told me that they were not going to dispute the charge because the merchant already has the money and can't get it back. I've worked hard for my money and feel as though my bank gave me a XXXX poor effort and response to retrieve whats legally mines.
Consumer complaint received 2019-09-26
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. (NY)

I don't know whether this kind of complaint is appropriate here ; it seems to come under the false-advertising category. Equifax advertises, and has sent me emails regarding, a service called " myEquifax '' that is supposed to make it more convenient to get credit reports, lift security freezes, etc. But there is no way to use the service ; I've been trying for months to login to the service, with multiple calls to their customer service, with no success. I realize that I can get the annual report via XXXX, and accomplish other actions via phone calls, but I don't feel Equifax should promote a product that doesn't work ; this results in a waste of valuable time.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC (CA)

I have been grossly fraudulently misrepresented, mislead, bamboozled, in addition to having my identity, and social security number compromised by Finance of America, it's mortgage broker representative ( XXXX XXXX ), and his assistant ( XXXX XXXX )!!! 

I applied for a mortgage refinance on XX/XX/XXXX with Finance of America ... documentation requested, and provided included the attached documents : Copy of my driver 's license/social security card ... 1 month paystub ... XX/XX/XXXX tax returns ... XX/XX/XXXX tax extension ... XX/XX/XXXX/XX/XX/XXXX W2 's ... property mortgage statement ... rental agreement. 

I have even consented to providing the opportunity to Finance of America, and it's representatives to right the wrong that has been performed, and they still continue to fumble, and stumble, and continue to have done NOTHING but exhibit a fraudulent negligent ineptness which is still to this day taking place with XXXX XXXX stalling, and not being able to fulfill the task responsibility of getting the loan process properly completed, and closed in a timely manner.
Consumer complaint received 2022-03-14
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I see that my most recent complaint was closed by you. This was filed today and is a different complaint as the fraudulent activity by the mortgage services in sharing my private information is completely different then the prior complaints. This is interesting to me as I reported all of this retaliation that was occurring at the time of its occurrence and have had no response from you. Now with these new actions that have recently taken place you quickly close a different complaint that has been filed. Why is this? 

XXXX XXXX XXXXXXXX? XXXX This was reported after the first Auction notice predated and signed, placed on our door with no affidavit. We were after the fact evicted from our home 3 months later. Why do you not respond to these pleadings for help? 

How did they possibly get our payoff amount after we had been notified by their attorney that they could not get the payoff amount?
Consumer complaint received 2019-04-30
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. (UT)

Transunion is reporting an incorrect coding of the XXXX  partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 24 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-30
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. (IL)

I am requesting that Equifax, XXXX XXXX, and XXXX delete XXXX XXXX/XXXX account ending in # XXXX and XXXX/XXXX   account ending in # XXXX from my credit report due to inaccuary, because it was deleted from my XXXX, XXXX, and XXXX credit report. Please remove these accounts under the FCRA that it is not accurate or verifiable. Under section 609 of the fair credit reporting act if they can not be verified as accurate or have proof of the validation of debt it must be removed from my credit profile. Equifax, XXXX XXXX or XXXX XXXX has not provided me with a sign contract or anything with my signature validating this debt. Under the FCRA I have the right to sue Equifax, XXXX XXXX and XXXX  XXXX due to violating under the FCRA. Please delete these accounts so no further action can be taken.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

XXXX, XXXX and Experian are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX  Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: XOOM CORPORATION ()

The XXXX of XX/XX/2021 I'd did a transfer using xoom ( a service of XXXX ), the amount was XXXX euros with taxes, from XXXX to XXXX, ( with the money exchange XXXX USD ), until now the money has not arrived, my family never received the money, I'm very upset because of the delay. I ask xoom and XXXX about the problem and the only answer was " upgrade problems ''. I want my money back!!
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I tried to log into chase from a new device, but put in the wrong username. They locked me out as " suspicious ''. They had some phone numbers to call on the site. All numbers are inactive/defunct ( XXXX-XXXX-XXXX ( XXXX-XXXX-XXXX-XXXX ) ; TTY support : XXXX-XXXX-XXXX-XXXX  TTY support : XXXX-XXXX-XXXX-XXXX ). 

I called them through the number on my credit card and there was no option to talk to a person. Somehow, I got a person, and was on hold for 30 minutes. They transferred me to 4 other people, and each put me on hold for 10+ minutes. All asked personal questions. Last person wanted to text my old phone ( which I no longer have ) a confirmation message. When it was made clear that that number wouldn't work, they told me there was nothing they can do to unlock my account, and that I had to " find a banker '' to do it for me.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I contacted Experian by phone regarding the following collections accounts that don't belong to me : Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX They told me to file a police report, FTC identity theft report, Attach Driver license and to upload that information on their website. I followed their instructions as they told me and they concluded the investigation in less than 1 day on their favor. So my question is " Is Experian doing a proper investigation to determine and validate that those accounts don't belong to me? ''
Consumer complaint received 2023-04-09
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: U.S. BANCORP (CA)

I own 3 U.S. Bank Visa Gift Cards with {$500.00} loaded onto each of them for a total load value of {$1500.00} across the 3 cards. They were purchased on XX/XX/23. I was able to use one before I discovered on XX/XX/23, U.S. Bank had de-activated all of them and denied me access to my remaining {$1400.00}. 

When I contacted U.S. Bank on XX/XX/23 to request access to my funds, they asked for proof of ownership. They said once they received a copy of my driver 's license, a copy of the purchase receipt of the cards, and copies of the gift cards themselves, they would re-activate my cards. I sent U.S. Bank the documents they requested but they didn't re-activate my cards. When I called U.S. Bank, they claimed the documents were illegible and asked that I rescan and resend them. I complied and re-submitted the documents. But still U.S. Bank did nothing. 

In fact, I submitted my proof of ownership documents to U.S. Bank on 6 separate occasions, several by fax and once by mail, on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. Each time I adjusted the images on the documents as advised. Yet, as of today, XX/XX/23, U.S. Bank still has not returned my money. Essentially, U.S. Bank has stolen my money.
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC (VA)

Miramed, XXXX, and/or XXXX XXXX XXXX Hospital attempted to collect a debt without utilizing the insurance. Prior communications indicate that all parties were aware of the insurance in place and the purpose of me paying for insurance, is that it may be utilized. The original debt was indicated to be {$4800.00} and the reduced rate is {$580.00}. If they want only {$580.00}, then the insurance company can pay them that. Otherwise, the deductible and co-payment will need to be identified and ALL provider bills will need to be considered in the billing cycle. Not just this bill. Again, this is the reason I purchased insurance.
Consumer complaint received 2023-09-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (MO)

Im not sure whats going on. Upon checking my consumer report it appears that NelNet debt collector is reporting I owe them an alleged debt. I dont know who this company is or how they acquired my private personal information because I have never done business with them.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

Unfortunately I lost my phone for like maybe 2 hours until I was able to track it down with find my friends and I noticed there was money sent to someone who I didnt authorize this payment to and I tried requesting it back plenty of times but never got an response back! I need help please
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX
Consumer complaint received 2019-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NJ)

I have a Macy 's credit card they changed it over to a Macys XXXX XXXX. In XXXX i paid off the statement balance. Recently, I though i used my credit card to purchase a skirt for my husband 's funeral. i had not gotten a bill and six weeks passed. I contacted them and they stated that yes i owed them {$58.00} for a {$22.00} skirt and interest that was billed after i paid off my card. I keep getting oversees call centers which are saying i that i don't have paperless billing but have not received bills. They reported me as over 30 days late and have not sent bills. I have gotten coupons no bills from Macy 's I have tried to resolve the issue for two days and keep getting oversees call centers that can't help me. My online access also shows a XXXX balance on my credit card. No one bothered to call me to say hey your late. I was told that is a courtesy. they have refused to assist me in resolving the issue to get a bill so that i can pay it but have reported it to my credit causing me to have negative credit when my credit was perfect.
Consumer complaint received 2023-07-27
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. (GA)

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX OTHER NAMES LISTED DO NOT BELONG TO ME XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX  GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO ME : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (CA)

Capio Partners This company is attempting to collect a debt from an Energency Room visit that occurred on XX/XX/2016. The provider was paid in full according to his contract with my insurance in XXXX of 2016. Capio Partners bought this " bad debt '' from the providers billing company and is attempting to harass and bully me to pay {$540.00} that I do not owe. 

They have been contact by my Insurance provider and provided proof of payment four times, yet they insist they have received nothing. I personally sent them the information and they insist they have not gotten it. 

After some research. I learned that Capio Partners is known for this behavior and will harass you until you pay. It does not matter if you do not owe the money.

I have also filed a fraud complaint with my local District Attorney 's Office.
Consumer complaint received 2021-03-29
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. (NY)

on XX/XX/2021 I mailed dispute letters to Equifax, XXXX and XXXX to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please. The accounts that i was disputing and would like removed from my report are. 
XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

On XX/XX/2019 I notice that XXXX XXXX XXXX was reporting on my XXXX, XXXX, and XXXX  Credit Report an amount of {$660.00}. I send a letter requesting a signed contract with my signature due to me having no acknowledgment of this company or account
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

A month ago, I noticed my amount owed for a credit card for Citi Mastercard went from about $ XXXX/month to {$1300.00}. It was debited out of my account and could not be reversed. They said it was because I went over. However, I NEVER opted it to allow charges to be allowed through if over limit. I reiterated to them at that time I want ALL charges declined if I go over the limit. 

Now, this week, I get a notice that I owe {$800.00}. I have called them several times on this. My only option is to simply put the card in a drawer and just wait to pay off the balance. 

My frustration is that they are not allowing me my legal right for transactions over limit to be declined. When I talk to them, they apologize, and it's supposed to be fixed. But again, it never is. 

If they are doing this to me? Who else are they doing this too. 

Credit Card Details : Citi XXXX XXXX AAdvantage Platinum Select
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Federal student loans were forgiven and discharged by the Department if Education. I submitted this information to all 3 credit bureaus and instead of updating my loan information to paid as agreed they deleted all my information regarding the loans. I have been trying to get them to put them back as paid as agreed but they have not done so and it has been affecting my ability to get any new credit and has been hurting me financially.