davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i have been disputing with the CRA since XXXX XXXX about the old and inaccurate accounts reporting on my credit report, i have some of the accounts FROM XXXX below that are old and pass the 3 years Statue of Limitations for 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 2022-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Collections, Inc. (TX)

I am not disputing the debts that I owe ; I am disputing that the following accounts on my credit XXXX XXXX ( XXXX ) and Express Collections ( XXXX ) XXXX {$3500.00} ( XXXX XXXX XXXX XXXX ) had negatively impacted my score in XXXX. The collection companies have added the debts back to my credit report as of XXXX. This impacted my credit score negatively again. The collection accounts were added as if they were new accounts. I have been working hard on getting my credit back on track, my score went down by XXXX points once this was done. I have written all 3 credit bureaus and I have stated the rules about reaging accounts. They keep responding by saying the debt is valid, I am not disputing the validity of the debt. Please explain to me if this a good practice as I researched and per regulations this is not. I need someone to assist me on this. They credit bureau takes XXXX when you are late or fall behind, but they add XXXX points when you are back on track and making on time payments and this is not fair!!!
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

I was contacted by a male who identified himself as XXXX from XXXX XXXX on XX/XX/2018. He asked to leave an urgent message about a financial issue ( read : debt ) for a person who was not known to me. I informed him that I was not a member of XXXX XXXX, nor was I the person he was trying to reach, and that I believed he was involved in a scam based on his willingness to leave a message about a debt with someone who did not know the person he was trying to reach. I asked him to stop contacting me. I have received several phone calls from other numbers, and from unlisted numbers, from the same person and requesting to speak to the same person. This is harassment, and I do not know the person they are trying to collect a debt from. The calls have occurred as late as XXXX XXXX. in my time zone.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

I have an account with Coinbase and I sold some cryptocurrency before XX/XX/XXXX and then converted all of it to US dollars within their Coinbase wallet. Attempted to cash out my funds which our consumer agreement allows, but their system would not allow me to do it, I contacted them by phone and they inform me it was a glitch in their computer system, and they would resolve it. It has been more than a week and theyre still holding my money and not providing me a check, and EFT XXXX or any other way to access my money. I feel like they have in essence stolen my funds
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (CA)

There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with Experian due to security reasons. XXXX document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.
Consumer complaint received 2018-11-28
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. (IL)

I have sent Equifax and XXXX proof, of a paid Medical bill. That was paid by XXXX XXXX XXXX XXXX. Equifax and XXXX  response was after there investigation that the account is being reported accurately from XXXX XXXX XXXX which is a collection company..
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

-case no resolved no answer over years with numerous of voicemail left to XXXX XXXX @ - ext XXXX Case # XXXX i can be contacted @ XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX XXXX has expired as when the last payment was made on each accounts. 

In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. 

XXXX XXXX XXXX offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

Ally Bank closed my online access in XX/XX/2018 for unknown reasons. I contacted the Bank on XX/XX/2018 to try to gain access to my account and provided all confidential information requested. Was informed that a Bank employee would call me in a few days to follow up. 
Called Ally Bank later the same day and spoke to a representative about transferring funds to another Ally account within the Bank, and was rudely informed that my account could not be accessed at this time. 
I have almost {$250000.00} in an online savings account with Ally Bank earning a low 1 % interest, I suspect they want to keep by account locked so they can continue to pay below market interest on my account. 
I have not been able to access funds in my account for almost two months.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

Lexis Nexis stated they obtained my bankruptcy from the XXXX XXXX court which is not true the XXXX XXXX  does not provide third parties with public records. I never consented to Lexis Nexis obtaining my information from a third party, they used PACER illegally to obtain my XXXX record then they furnished my information to additional credit bureaus XXXX and XXXX. First LexisNexis said they verified the information from the court. I have attached documentaion that determined that was not accurate. Then they said the information was verified via XXXX. I contacted XXXX XXXX XXXX and have attached documention that they also do not report any information to credit reporting agencies. So LexisNexis is again in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair practices. I have also attached documentation verifying my identity with 2 forms of ID so that your stall letters can stop. This is affecting me and adding XXXX XXXX to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected as soon as possible.
Consumer complaint received 2024-05-23
Product: Credit 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: Affirm Holdings, Inc (NC)

In XXXX of this year, I used Affirm for a purchase from a XXXX retailer. According to XXXX tracking number XXXX, the item was marked as delivered. However, when I arrived home in the evening, the package was nowhere to be found. I immediately contacted XXXX, and they informed me that the only option was to open a dispute with the seller, which I did. Unfortunately, the seller did not take any action. 

As a last resort, I filed a claim through Affirm, the financing service I used for the purchase. The process of filing a dispute with Affirm was very challenging and difficult. Ultimately, Affirm did not resolve the claim in my favor. Now, I am left paying for an item I did not receive.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

Smith, Rouchon and Associates, located in XXXX, MS is constantly harassing me at work. They call my job at least three times weekly. I have sent a cease and desist letter but yet, they continue to call my job. The alleged medical debts that they say I owe is only being reported to XXXX and XXXX. XXXX only has one of these alleged medical debt and Smith, Rouchon and Asso.  continues to " verify '' the debt collection, every time a dispute the item. XXXX has verified all five of the alleged medical bills and will not remove them nor provide me with proof of how they allegedly verified these medical bills. I have also told Smith, Rouchon and Associates that they are in violation of FCRA, FDCPA and HIPPA but the last CSR stated that she do not care and that I better pay or else. I am about to lose my job because they will not stop calling my job!!!
Consumer complaint received 2018-11-28
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. (IL)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. 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 immediate 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
Consumer complaint received 2021-04-13
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. (FL)

creditor has terminated the account and agreed to NOT report to the credit bureau. However, Experian has refused to delete the account each time I submit the dispute along with the supporting documentation. I am hereby demanding that they comply with my consumer rights and permanently delete this derogatory account from my credit report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

LexisNexis is reporting several addresses that are incorrect. My only address is XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX any other address is incorrect. I have previously asked that this information be delete and it has yet to be done. This is my final attempt at resolving this issue and I will sue.
Consumer complaint received 2022-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Auto shows I have an account that I have no knowledge of and Id would like it removed as it violates the fair credit reporting act. I also believe this could be a result of fraud so I file an FTC report with the Federal Trade Commission. 

Account : XXXX Account status : Closed Account Type : Installment Loan Payment Status : Current Balance : {$0.00} Date Opened : XX/XX/2016
Consumer complaint received 2018-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are XXXX XXXX XXXX acct XXXX and XXXX XXXX  acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect. I filed a complaint previously about the same accounts with CFPB & they did nothing but the same thing over again.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX 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 conviction 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 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

The XXXX Double cash rewards has forfeited my rewards ( {$2300.00} ) without any concession. They highlight lack of any transaction that led to the expiration of rewards. On further verification I found a merchant transaction in last twelve months and had an dispute with the merchant and was credited back. XXXX ignores this to be treated as transaction. At the same time they also do not provide any concession for re-instating the rewards back to the account either with or without penalty. They have blamed customer for not being active with the card. 
They also posted {$2.00} to the rewards account and can not explain how the amount was credited. 
I truly believe the cash rewards belong to the customer and many banks either let you re-instate with a fee or provide one time concession to re-dress such issues. They have refused to entertain customer request under any circumstances. 
If this is how XXXX operates there are many other banks that let you have double rewards for as long as you want provided the account is not closed. With an active account and no alerts for expiration XXXX has demonstrated their true intention for the XXXX rewards program. Even with card terms and conditions available XXXX should respect long customer relationship and their standing with the bank. If not, its time to move on as I do not like my rewards to be taken away with no WARNING and no ALLOWANCE when you're not watching. Only time I was notified was after the fact with monthly statement stating rewards have been forfeited in XX/XX/2018.
Consumer complaint received 2021-04-13
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. (GA)

I submitted a dispute letter XX/XX/2021 and Equifax nor XXXX  has responded within 30 days. I'm asking the accounts listed on the dispute letters be removed asap per the FCRA they are to respond in a timely fashion and if they don't they have to remove all items by law. These companies have failed to uphold the law!