davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
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)

On XX/XX/2017. I settled a collection debt with XXXX on behalf of XXXX XXXX for {$1800.00}. First, the collection company informed me doing this will be considered paid in full, and they will contact XXXX to update their system. I contacted XXXX corporate many times but seen nobody knows how to handle this issue, also provide Equifax proof that their reporting is wrong that this account should show no balance and they should stop reporting that I am late every month since I took care this issue in XX/XX/2017. I called XXXX many times to see what was the deal, why was taking so long to update XXXX XXXX systems, their answer at the beginning was We are taking care of that, after We more phone call they did not answer me anymore. Right now Equifax  is saying the verify the account, even I supplied a letter from the collection office, also more back XXXX sold this already paid the debt to another collection office, thank God I keep the record of the payment, that I supplied to that office and they let me alone.
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Medical Management, Inc. (NY)

This company is harassing me and willfully violating public policy and laws. I reported this debt to the Bureaus as in accurate and demanded they validate the debt. The company has not provided sufficient evidence to prove this debt belongs to me nor have they provided a contract with my signature on it. This debt has also been removed by the credit bureaus and this company continues to re report it. I am now going to sue them because This is effecting my ability to move into a home. This has been going on with this company since XX/XX/2019 and it is now almost XX/XX/2019. The FCRA is crystal clear. This item should be removed immediately because I have no contract or obligation to this debt, I have no idea what is going on my information has been compromised and this is fraudulent.
Consumer complaint received 2020-02-07
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. (IL)

I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (FL)

I have hard inquiries that I do not recognize or did not authorize appearing 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
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Have credit freeze with all 3 agencies for fraud protection. Experian is the only one that is a problem. Impossible to reset pin, no recourse to supervisor and had to pay {$20.00} to get a new pin. 

From XX/XX/XXXX-XX/XX/XXXX I spent over 5 hours trying to temporarily remove a credit freeze. I did not have the pin they sent. I called the phone number over 15 times and it was impossible to speak with a person. After the prompts and automated responses I was disconnected. I tried resetting my Pin via their websites, on my phone and via the app. I posted my problem on social media via XXXX and a XXXX - only received a response via XXXX with to call the same number and incorrect instructions to reach a human. Sent another message via XXXX so stating - and said I am an attorney and this process is illegal - no response. Called multiple times and reached a human who, after asking me to reveal multiple security answers said they couldn't reset my pin. Asked to speak with a supervisor and was placed on hold for so long I hung up. Called again multiple times to try to reset pin - entered and provided security answers and received automated response stating I could not reset my pin and would have to mail copy of govt issued ID, two copies of mail showing my current address and a host of other information and then wait 7-10 days for a  new pin. Called yet again, somehow reached a person and asked for a supervisor - waited for 5.minutes. After being told I had to pay {$20.00} to get my pin XXXX - more than the cost of the XXXX I pointed out - asked to speak with that person 's manager - HE REFUSED AND SAID THERE WAS NO ONE ABOVE HIM. He then demanded - notwithstanding answering every security question - a copy of my current driver 's license, which took 5 times to reenter info and upload it into their system - system booted me out for time delays. He refused to waive the fee. After 40 minutes on the phone paid it.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (ID)

On XX/XX/XXXX I opened a new customer new checking account on the promotion page of Chase bank. On that page it stated if u opened a new account and got a direct deposit set up within the first 60 days u get XXXX dollars. I got my account set up and my deposit came in 2 weeks later. I waited the 10 days it said before the promotional money would be deposited into bank account and never received it. I spoke to XXXX on the phone from customer support on the XX/XX/XXXX and he told me that it hadn't been 10 days quite yet and to wait a couple more days till XXXX. The XXXX came and went and nothing. That Saturday the XX/XX/XXXX I went into a branch in XXXX Idaho. It was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to a short haired woman who told me that because a coupon was not attached I would not be reviewing that money but that I could call customer support again and they should be able to attach a coupon. Minutes after I contacted customer support again and they told me unfortunately they couldn't give it to me because coupon wasn't attached. I didn't realize the coupon wasn't attached and I specifically let them know. I'm upset because like everyone else I did what I was supposed to in order to receive my promotion. I want my promotion that everyone else got. Thank you
Consumer complaint received 2022-03-31
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. (NM)

I have been reviewing my credit report over the past month, which I have hadn't looked over it in the past 8 months. I have noticed discrepancies, unauthorized pulls on my credit report. I have called each company that has pulled report, all 3 credit bureaus and I have tried to file a police report, per what the credit bureaus have told me to do and have not had any help in resolving this issue. I was told last week that I needed to file a complaint with the FTC, per Transunion and XXXX. I was told that this would be the only way I could get help with this issue, which is unfortunate. These companies are supposed to help relieve stress for the consumer, not drag them through hoops and stress. Below are the inquires I am disputing that were unauthorized nor an extension of any credit. I also have complaints about my correct spelling of my name and address on my credit report. On Transunion and XXXX I see many different variations of spellings of my name and many unfamiliar addresses. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Dear Transunion I would Like to Thank you for working with me as we both make Progress and deleteing inaccuracies on my credit file I was Just viewing the FTC website and it states that i can asked you your method of verifcation and you must provide me with any and all Tools and documenets that was used between you and the Creditor pretty cool Huh? I'm going to used my rights per the fcra and asked you How did you verify the account number on the # XXXX XXXX   XXXX. I have told you more than 4 times that this is not my account number but i need for you to tell me Who and how this account was Veriffied and came back to me?? Name Phone numbers what paper work they sent you what paper work you sent them i need to see all of it with in the Next 15 days per the FTC website You have to provide this information ( method of verification is what it's called ) also CFPB Transunion is in VIOLATION OF THE FCRA SEE ATTACHED FILE FOR FACTURE PROOF You are the reporting agency and you like to play games But Look at XX/XX/XXXX there is a 30 day late on this account correct???? XX/XX/XXXX another 30th late correct???? XX/XX/XXXX and Ok correct??? XX/XX/XXXX another 30 day How in the XXXX is this Possible? shouldnt and wouldnt this be a 30 60 90 120 late right?? This information is incorrect and I would Like for you to remove this entire account. major VIOLATION OF THE FCRA ... PLEASE EXPLAIN THIS MESS! THIS XXXX IS GETTING OLD AND TIME CONSUMING BECAUSE YOU GUYS SIT ON YOUR XXXX XXXX AND NOT DOING YOUR JOBS..
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

ENHANCED RECOVERY CO is listed under collections on my credit report giving me a negative score. Original creditor is XXXX XXXX, whom I contacted and paid in full my remaining balance {$380.00}. However when I pull up my credit report I see listed under Collections Enhanced Recovery ( account shows Paid and closed with amount owed {$0.00} ). I have called this so called company Enhanced Recovery and both times they say I need to call XXXX XXXX. When I explain to them I have called XXXX. and paid them. They respond again sir call XXXX when I try to get them to explain why I should call XXXX. when the account name on my collection report states Enhanced Recovery not XXXX I can advise any further than stating call XXXX XXXX. These companies like this Enhanced go out of their way to harass you constantly and call you all times of the day wanting their money. Once it's paid for in full and consumer no longer owes them money. They no longer have a clue and play like idiots, I am currently in the market to purchase a new vehicle but with this, still listed and not removed like it should be my credit is lacking a good score. If companies wont remove it why should a consumer even pay a collection just wait 7 years.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo NA has broken myriad laws and and violated many SEC regulations, including covert action to block transfers between XXXX and XXXX XXXX  by executing small pending transactions to force The Federal Reserve to be duty bound to reject a money transfer, while I was under duress, and another account holder - XXXX XXXX - had to be my money manager as a result.
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc. (AZ)

This company has a judgement against me and is trying to sue me for an almost 7 years old debt I co-signed for back in XXXX of 2013. I was only XXXX at the time the I cosigned for the apartment which means the contract could be bad and I do not think this company even followed the right proceedings to obtain a judgement against me or if any of the right required elements to obtain a judgement against me particularly by default were followed or even fulfilled. I am also not sure if the lawyer, the one who sent the letter followed the appropriate laws in particular the FDCPA and this debt collection company as well.
Consumer complaint received 2019-05-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc (WA)

The account was in my fathers name and my mom also signed a few documents. I sent the collection agency a letter proving my mom 's signature was not mines and they threatened to keep it on my credit after telling me to write them a letter explaining the account and them seeing my mom 's signature. They compared the two and still threatened to keep it on my credit. I was never informed the account turns over to me after a certain age, and I have never received any mail about the finance and billing on the account. There adding fraudulent balance and I want this account to be removed or I am going to sue the company. It's been 6 years that I have been trying to remove this account.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (FL)

I called this company out to perform maintenance on my unit, and ended up paying over {$500.00} for the service, and a part that was 'wearing out. ' Afterwards, I got repeated calls from the woman who answers the phone, angrily telling me my check bounced. I felt bad for the person who would eventually get that phone call - she had me mixed up with someone else, I paid with a credit card. Shortly after, the unit stopped working all together. This company gave a quote of more than {$6000.00} to replace my unit. I decided to get a second opinion, and was told that my 20 year old unit should be  replaced. I went with the second company. I naively believed that it was frustration that led XXXX to threaten to charge me for a unit anyway, and they did. XXXX XXXX XXXX submitted a charge for services / equipment not rendered. XXXX XXXX XXXX   AC unit charge, and now I am fighting a bill for over {$6000.00}!!! 
The company say I did not cancel the contract within 3 days, but that is not true. I did not get an AC unit from XXXX XXXX XXXX.
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhojo Enterprises, LLC (FL)

This company contacted me about a false debt that was created by an internet provider that I used to use. I informed them that this was incorrect and later provided them with the dates of when I ended my service with said company. I agreed to remove the debt but they never did. I contacted them numerous times about this and they continued to say that it would be removed. Later they would sell the debt to another debt collection company.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-31
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. (OH)

I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST (CA)

ON XX/XX/2019 I closed my savings account with Bank of the West. I was given a receipt showing {$0.00}. When asked why I closed the account, I stated that I did not like the {$15.00} service fee I was charged a couple of months before. 
I got another statement from Bank of the West for the period of XX/XX/XXXX - XX/XX/XXXX indicating that I had a negative balance of {$15.00}. 
I called the XXXX number and explained what happened and stated that I would have been upset but would have accepted another {$15.00} fee when I closed the account but couldn't accept the fee being charged retroactively. The representative stated that they would waive the fee. 
Imagine my frustration when I received a letter from Bank of the West stating that I was responsible for an overdraft amount of {$30.00}!
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF HAWAII CORPORATION (HI)

I have twice gave bank of Hawaii checking chances by opening an account with them, the first time, they change their policy midway and start charging me a fee for paper statement. Yes, this bank actually charge for paper statement at that time after initially offer the term of not paper statement charge. The second time, this bank initiate a check ordering transaction on my account when I would never order check if it costs me money, not to mention I believe this bank may have advertised free checking and free debit card. Then it reverse the transaction saying I did not pay for the check order I did not make when in fact, I have not put money into this account because I did not trust this bank yet after what it did last time, and then after fail to charge me a fraudulent transaction, this bank charged me an overdraft fee. This is absolutely abysmal and unacceptable banking practice. This is not to mention I believe this bank has illegally monitored and hacked customer 's account, then make a ridiculous claim that the customer working for them as a mean to justified this absolutely criminal behavior while trying to commit identity theft. this bank was involved in a class action lawsuit just a few years ago in which the bank did the very same thing of overdraft charges, and now it is doing it again to customers. Never used this bank if you don't want to waste your time. because now I am going to have to waste my time sorting out this problem which I am not getting paid to deal with as a customers, all I want was a normal bank that keeps its promises to customers and trustworthy that does not try to rob, steal, or fraudulently charge customer and this bank is not one of them. It is sad given there are only a few large banks in Hawaii locally and one of them is this bad.
Consumer complaint received 2019-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I intended to use PayPal to buy 3 concert tickets for {$30.00} each. This is a total of {$90.00}. When I sent the payment to the seller, PayPal sent me a phone text message stating that : [ PayPal ] Transaction of - {$90.00} USD to XXXX XXXX on XX/XX/2019 is marked as suspicious. Reply 1 if authorized or 2 if not authorized. [ Reply Needed ] I replied with 2, to note that the transaction of {$90.00} was not authorized. ( I have the official record of this confirmation ) However, PayPal still removed the money from my bank account and paid it to the thief. The transaction was indeed fraud and the seller who was guiding me make the payment never sent the tickets. I alerted PayPal to the money being taken out of my account. PayPal still took the money out of my bank account. 

My complaint is that PayPal alerted me of the fraud and gave me the option to stop the payment, which I did. However, Payapl did not honor my requedt to halt the payment. I want my money put back into my bank account since the PayPal fraud prevention system did not work. 

In addition, PayPal has no means of emailing or speaking to a person to discuss and resolve this fraud. I have sent numerous emails to PayPal. However I am only getting automated emails that do not address the situation.
Consumer complaint received 2018-09-17
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. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX and XXXX and Equifax a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2022-03-31
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: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, COMENITYCAPITALXXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX. Fradualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.