davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (FL)

I paid the bill XX/XX/19 I called company XX/XX/XXXX to inform that payment was made via their own website as per their letter for acceptance of a reduced payment option. They reported as derogatory on my credit on XX/XX/19 even though I gave verbal confirmation receipt information and was assured that it was paid in full. I received notification from experian that this was reported. they are in violation of federal consumer protection laws. 
Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-01
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. ()

In 2016 I put credit freezes on all three credit reporting companies. Trans Union, XXXX and XXXX because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and XXXX and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since XX/XX/2016 ) so would like the protection the freeze offers, but not the hassle.
Consumer complaint received 2023-01-26
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)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AZ)

XXXX. After returning equipment in CtXXXX on XX/XX/2020 and paying balance owed by automatic payment method, an additional bill was sent in error. I disputed this with the credit card company and after several weeks a credit was issued. 
Several months later i received a collection notice from XXXX XXXX XXXX requesting payment for the previously credited amount. I discussed all pertaining issues and thought it was over. Several months later I receive a collection request from XXXX XXXX XXXX for the same account. I gave them all pertinent info re : the issue and requested a full history of my account so as to forensically correct the issue. I receive a plain non descript bill for the claimed amount due and nothing else. I recently again received a collection notice from a third collection agency, Sequium Asset Solution requesting same payment.

The biggest issue I have is that 3 companies are reporting me in a negative manner and affecting my credit score, all for the same acct. And amount. 
Not only has the bill been paid in full but i continue to be a loyal customer in good standings with XXXX. 

I would like to see the negative portion of my credit report corrected.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

On XX/XX/2022, I received a phone call from a company titled Collection Bureau of Hudson Valley , IncXXXX She collection agent, a female, informed me she was with a collection agency, and I owed a debt for XXXX dollars from a XXXX XXXX XXXX I told her I owe no debt, the XXXX XXXX  was properly closed by me, all equipment was returned within the allotted 30 days, and final payment was made. I also requested they communicate by mail, so I would have their address and could forward the final XXXX receipts. The collection agent refused, said we rather put this on your credit report. I informed her that I do not owe the debt, and have receipts. She became belligerent, and after the phone call, the next day they sent the information to the credit bureaus. I also asked her not to call by phone any longer, and to send me correspondence by mail In a continued attempt to get their address again. Instead, I have received no correspondence and was called again on XX/XX/2022, twice. At this time, I have forwarded the receipts for the contested accounts to the 3 credit bureaus with an explanation. This company appears to either buy bad debt without checking to determine if it is actually owed, or simply ignores those facts.
Consumer complaint received 2022-08-16
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-28
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: Colony Brands, Inc. (NC)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX  and Account number XXXX XXXX XXXX also has violated my rights. 
15USC 1681 Section 605 states i have the right to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit planas late for any purpose
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MD)

This is a XXXX involving stolen identity and financial theft - amount not fully determined yet because we can not get a response from Binance about whether my funds were stolen. Binance has been incredibly unresponsive. Details/chronological summary 1. XXXX XXXX card theft- on XX/XX/2021, about XXXX, XXXX  assisted a hacker to take control of my XXXX card and disable my phone. The hacker then proceeded to make password changes on my email and several of my XXXX currency accounts, including Binance I attempted to use my phone but was frozen out because of the XXXX  swap. I borrowed my parent 's phone and contacted XXXX to get back control of phone. We suspect possible inside job at XXXX since I was later told that their internal notes said it was unauthorized user who called in the change of my XXXX card. We have tried numerous times, but have been completely unsuccessful trying to get hold of XXXX 's fraud department and they have not pursued any investigation to my knowledge. 2. Binance- I have tried everything to follow up and resolve the issue with Binance . I have attempted to do everything they said in their robot responses to no avail. After almost three months of filing support tickets and requests to find out whether the funds in my account have been stolen, I still have not received a response. Binance support tickets continuosly say they have blocked the account, without telling me if there are any funds remaining. I have no clarity from XXXX that my approximately {$90000.00} of investment in XXXX is still there, nor do I have any reason to believe the account is secured or frozen. 3. On XX/XX/XXXX, I called in a police report immediately after the attack but have not been able to get a copy of the police report online. 4. XXXX On XX/XX/2021, I submitted a fraud claim to the FBI XXXX XXXX unit.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

Cash app closed my account without any reason or explanation why. Since my account has been closed for 2 months with cash app not responding with why I'm not able to withdraw my money. The account is closed but they allow me to receive money but can not withdraw my money. I received a copy text that I will receive information about my account but I get the same results nothing am still not able to withdraw. I have also filled with the XXXX and cash app has not reached out to me regarding my money and still can not withdraw. 
Thank you for your time XXXX
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (TX)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS 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 2021-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent a letter regarding unauthorize inquiries on my credit report to this company over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress I am being emotionally.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I recently saw multiply articles regarding a settlement with Wells Fargo Bank. I had an account in the mentioned timeframe and do recall receiving multiple overdraft fees during that time, which were inconvenient and resulted in me closing the account. The website says to file a claim directly with CFPB as I have not received anything directly from Well Fargo. 

https : XXXX
Consumer complaint received 2022-08-16
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. (SC)

In accordance with the Fair Credit Reporting Act, ( XXXX  XXXX # XXXX ) and ( 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2019-02-01
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. (TN)

I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX/XXXX XXXX, XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AZ)

Barclay Card has attempted withdraw funds in recurring payment from the wrong bank account several times over the past 2 months ( XX/XX/XXXX and XX/XX/XXXX ) where the reoccurring payment was set up for a different bank account on their system. Barclay is now trying to levy a late payment / insufficient funds fee due to an error on their end.

I have tried to contact Barclay through their secure message centre and by phone about the matter but they refuse to acknowledge the problem exists even though I can log into their website and see the configuration myself.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I sent a letter to Portfolio Recovery Associates requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, Portfolio Recovery Associates provided me with billing statements which does not prove i am obligated to pay them anything. Portfolio Recovery Associates have reported delinquent information to the credit bureaus that i am asking to be deleted.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

A {$95.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Atlanticus Services Corporation (FL)

I have called this company several times to inform them, i am not getting the code sent to my email so i can register my account and make payments online. They did not understand one word I was saying, i have asked for mangers as well. IN my opinion they play games and act like they don't understand English to XXXX us over on these credit cards. No where in the terms did it say they could not text me the code to my phone the code so i could register, Nor in their terms did they mention they do not understand English, if they mentioned the above I highly doubt anyone would open with them. This company is SCAM, and not sure why no-one has investigated them instead allow American 's and whomever else to get conned. They refuse to send me a statement as well. I now have to mail payments which is causing me to be late and i keep getting fees which is not fair. I am done with these people, I am totally willing to pay what is owed not any fees cause its their fault, but not to them. This is straight XXXX that my credit is screwed up because they cant do their part, I have reached to XXXX  as well and guess what Fortiva did not respond to them. When we call the numbers they calls us from they ring busy. I want to be done with them but they call me 15 times a day wanting money. How do I get rid of them and it not effect my credit? i sent them 12 emails for help. I hate this Company and they should be registered as FRAUD.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

i sent a letter to capital one on XX/XX/2019 concerning this late payment item on my credit report.i have no recalling of being late, so i would like for them to verify the item bearing my signature.also by not replying within 30 days is a violation of the FCRA laws.
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (SC)

XXXX XXXX XXXX first contacted me in XX/XX/XXXX about a {$540.00} XXXX bill that had somehow become associated with me via XXXX XXXX XXXX Services. I contacted XXXX XXXX XXXX Services and we found quickly that the bill was in error - I was incorrectly identified as the person who owed the bill. XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX several times, and explained to them that the bill was in error - I never should have been charged as they had billed the incorrect person. A quote from one of the correspondences to XXXX XXXX XXXX from XXXX XXXX ( Medical Billing Supervisor ) : " Please remove CR XXXXXX to also include any credit bureau reporting. This patient account was placed in error. The information placed with collections was for the incorrect patient. '' I thought the matter closed, but on XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I still owed money on the erroneously assigned bill. The letter stated " According to records provided by XXXX XXXX Florida - EMS, your account is past due and remains outstanding. '' This is a direct contradiction to what XXXX XXXX has tried to explain to XXXX.
Consumer complaint received 2023-04-02
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. (OH)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-16
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. (TX)

I had an old paid collection on my credit report and called the the collection agency, XXXX XXXX on XX/XX/22 and they agreed to delete the collection from all 3 credit bureau. XXXX and XXXX have removed the collection. It was removed from the Experian file I was looking at on MyFICO but it has reappeared on my file when I look at the Experian Site. I have disputed the account again directly in XXXX, XXXX with the supporting letter from the collection agency requesting a deletion and it still has not been removed. I have also followed up with XXXX XXXX and they have sent the request now XXXX to Experian XX/XX/22, XX/XX/22 and again today. I have spent hours on the phone with on multiple occasions and can't get anywhere with them. Credit file number from Experian that I pulled today Report # XXXX where it is still showing.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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 2019-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CO)

Medical debt. Whenever I ask for information about the debt I am not provided/ or the " debt '' is shuffled to another collection agency. I have no idea what this is about nor have I received any info that correlates to this company or this amount. Of course this " company '' has no way to be contacted