davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Financial Services (IL)

I had a {$500.00} personal loan in 2015. This loan went to collections & was eventually charged off. This year, I made the effort to correct this and sent a certified letter asking them to verify the amount due, and then a second one with a settlement offer. They never responded to my request, but began adding penalties and interest charges on a charged-off account. 

I called them twice after to try and settle the debt, & each time I was told that they would get back to me with an answer. I called them again today. I attempted settle this debt, and was upset at their lack of response. I spoke to the owner, I told the owner that I was attempting to correct my mistake and was willing to settle. They said no and wanted to play hardball. They said they did not care if I opened a dispute with XXXX or XXXX that those entities do not do anything for them and they will do the best to keep adding charges to my account. I told them that I would settle the debt for a higher amount as long as they would put it in writing that once my payment is received they will deem the debt settled. They also refused to do that.
Consumer complaint received 2018-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (OH)

Collections alert on my credit XXXX XXXX and XXXX for a medical bill. I never received any written correspondence from the company. I was not given an opportunity to validate said debt. Upon calling the company I was informed that they no longer had the account, however they placed the account on 2 of my credit reports. The bill was paid to the original creditor.
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

HELVEY & ASSOCIATES IN XXXX XXXX XXXX XX/XX/2018 {$540.00} I HAVE NO KNOWLEDGE OF THIS DEBT / IT IS NOT MINE. I DISPUTE THE VALIDITY OF THIS DEBT COLLECTION.
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (LA)

On XX/XX/XXXX a collections representative from a Commenity Bank (? ) contacted 2 of my distant relatives threatening them in regards to a debt that I know nothing about, as I and my spouse were both the victims of identity theft in XXXX and have supporting police records as documentation. All of this information has been submitted multiple times to each of the credit reporting agencies and we have disputed all of the incorrect accounts numerous times as well. The Commenity rep stated her name was Ms. XXXX and that they needed to make me call her back at XXXX-XXXX-XXXX Ext. XXXX within the next 24 hours or she would continue to call them until she was able to speak with me.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

Cancelled XXXX XXXX account on XX/XX/18 at XXXX. Spoke with XXXX at XXXX XXXX to cancel services effective immediately and pay final amount of {$210.00}. Conf # : XXXX. 
XX/XX/18 : Received collection notice from Radius Global Solutions regarding an account balance of {$94.00}. I paid this to avoid this amount reporting to the credit bureaus. 
XX/XX/18 : Attempted to speak with XXXX XXXX. I spoke with Customer Service agent XXXX who stated this account balance was to pay for XXXX. She was unsure why no bill had been sent prior to the collection notice. Spoke with XXXX who stated that she would " notate '' my account. 

I have attached my final XXXX bill as well as the collection notice. I have also attached the XXXX bill showing that I have paid XXXX directly as cancelling with XXXX on XX/XX/18 " unbundled '' with XXXX.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express closes my business platinum card and took away all points that I have accrued, both from promotional activities and normal spend. There were XXXX promotional points and approximately XXXX points earned from spending. I called them and they simply said that i do not have an account with them. Those points have cash value and they should not be able to remove those without any compensation. The account was closed in XX/XX/2018. 
I asked them to refund the points to me but they said no.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Specialists, Inc. (KS)

Out of the blue this list a collection from 2009 that is not mine. They are doing this to negatively effect my credit and refuse to validate the debt or give ANY info in the debt. Its clearly being done to harass.
Consumer complaint received 2022-06-18
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. (FL)

Dear XXXX XXXX XXXX I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act-The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of ED XXXX XXXX XXXX XXXX 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 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 r4eport by more than seven years.

15 U.S.C 1681 a-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 2022-06-18
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)

Dear XXXX XXXX XXXX I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX ( {$4200.00} ) 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 2022-06-18
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: EQUIFAX, INC. (IL)

On Equifax reported not my inquires to them of inquires that were not mine XXXX from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-18
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. (IL)

On XXXX reported not my inquires to them of inquires that were not mine XXXX from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

On Transunion reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting act 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 2022-06-18
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. (PA)

n accordance with the Fair Credit Reporting act 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 2022-06-18
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: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX credit account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX credit account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: International Financial Management (FL)

My credit report it's showing a Company called Credit Express LLC, opened XX/XX/XXXX and closed XX/XX/XXXX. Balance is {$0.00}. Highest balance : {$2200.00}. 
That Company never have appeared in credit before. I never have applied for a vehicle loan, this is affecting my credit score, I don't know why this is in my credit report. I already called to that company immediately and they told me you have placed that account on my report. 
I believe have being a mistake place that negative issue in my credit report and also this is an issue from XX/XX/XXXX. 
Please, let me know if you can help me. 
Thanks.
Consumer complaint received 2018-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

REGIONS BANK XXXX XXXX {$250.00}
Consumer complaint received 2023-03-22
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. (TN)

In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 plan as late for any purpose.
Consumer complaint received 2018-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

In XX/XX/2018, I set up a recurring payment in the amount of {$550.00} to cover the amount due monthly to XXXX Heartland, the loan servicer for 3 loans I hold at XXXX XXXX. Since then, the money has been debited from my bank account, and I have received no notice that anything has gone wrong. Today, I got an email from XXXX XXXX  stating that one of my Perkins loans was two months delinquent. When I logged in to my XXXX account, I found that my monthly payment had not been covering the full amount due for my loans, and that one of my Perkins loans was 2 months delinquent despite my automatic payments. 

When I called XXXX for assistance, they told me that the automatic payment of {$550.00} was not covering the full amount of the loans because the loans had started to accrue late fees due to the payments being posted on the XXXX of every month when the loans come due on the XXXX each month. Because my payments were being made late every month ( instead of being made on the XXXX to cover the payment due on the next XXXX, as I assumed ), they had been taking part of the money supposed to go toward one of my Perkins loans and instead applying it to the late fees, causing my loan to show that it was delinquent for two months. When I asked them how it was possible to set up an automatic payment on a date past the date when the loans were due, they let me know that there is no protection in their system to prevent from this, so they just allowed my automatic payments to proceed without any adjustment or notification that the loans were being paid late every month. This explanation, quite simply, is ridiculous. Automatic payments are meant to be set so that the payor does not have to log in to his account every month and make sure the correct amount is being paid. XXXX has set up a system in which they are able to collect late fees by allowing people who are attempting to diligently pay back their student loans to make late payments, and this practice is both ridiculous and predatory.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

There was a {$1000.00} unauthorized transaction which Venmo refuses to fix. Further, they refused to provide any documentation regarding why they are refusing to take care of the situation even though Venmo itself offered to provide ( and I requested ) such documentation. Also they will not call me to discuss even though I've asked multiple times.
Consumer complaint received 2018-11-12
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. (CA)

Experian NOTICE OF VIOLATION FCRA 623 FDCPA 806 { b } which states that the creditor must enter a notice of dispute, if this is not entered the account can not report on the credit report XXXX you are in violation NO NOTICE OF DISPUTE AND you claimed you did an investigation which you claimed validated with out posting in dispute for past 6 months REMOVE THIS ACCOUNT AT ONCE you are the only reporting companies that has not removed accountYou have all evidence from XXXX  and my self sent through the CFPB occ XXXX and XXXX that clearly shows that the account was fraud inXX/XX/2014 and not made by myself nor did I have anything to do with it
Consumer complaint received 2017-11-09
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: MIDCOUNTRY FINANCIAL CORP (TN)

I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was removed.
Consumer complaint received 2018-11-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Have previously attempted to have this company validate the date and remove collections from credit bureaus. Upon further investigation I have found the original creditor was negligent in their billing practices and this bill should have been covered under workers compensation. Because I am a patient with this hospital my insurance was billed without my authorization as this was a workers comp claim. The time to submit the claim under workers comp had passed and they attempted to bill me instead of correct the error. This collections agency could not validate the information as requested because I should have not been billed in the first place.
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had checking and savings accounts with Bank of America for years. In XX/XX/2018, I closed out my last remaining accounts. Every month since XX/XX/2018, Bank of America has been withdrawing {$500.00} from my XXXX XXXX XXXX checking account around the XXXX or XXXX day of the month, and returning it to my XXXX XXXX XXXX account anywhere from 3-5 days later. 

I have spoken with Bank of America representatives on multiple occasions, and so has my wife in order to try to get the issue resolved. Bank of America representatives always act like they are investigating it, but nothing ever happens as a result, even when we call to follow up days later. 

The first time I discussed the situation with Bank of America, they told me that there was nothing they could do, and that I should have XXXX XXXX XXXX put a stop-payment on my checking account for the recurring transaction. I've spoken with representatives at XXXX XXXX XXXX, and they told me that they could put a stop-payment on, but that there is a fee associated with it, and that I would be better off resolving with Bank of America. 

Each month I have multiple credit card payments due on the XXXX and the XXXX day, and each month I come dangerously close to over-drafting on my account and risk multiple non-sufficient funds fees as a result of Bank of America withdrawing money monthly. I honestly have no idea what they are doing with the money, but I have told them that the transaction is not authorized. It's unacceptable that an institution of that size is unable to assist in the matter.