davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TSC Accounts Receivable Solutions (MD)

Received call on cell phone about a non-existent debt. Phone is registered on federal Do Not Call list. Message sounded like a scam. There was NO phone message other than a claimed debt which was NOT described. The number appears to be identified on XXXX XXXX XXXX AND XXXX as a SCAM. TSC is identified as the entity originating the call. NO documents have been received or referred to.
Consumer complaint received 2018-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I had a notification from my credit reporting agencies indication a major action. So I looked into it. Come to find out I have a collection on me for a " medical '' bill. Problem is, I haven't been to any medical professional, hospital, emergency room or anything relating to that in over 15 years! I am in an active dispute with the 3 credit reporting agencies. Now over a year ago I did misplace my wallet. And it was found and mailed to me. Money was missing but otherwise seemed untouched. I didn't think anything of it at the time. Maybe this could be a pending result of that? I'm not sure. But I know this debt isn't mine because the services they claim, I haven't used such in over 15 years!
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NJ)

Dear Officer, I'm writing to report problems experienced with XXXX XXXX. I found that they are giving inadequate notice for balance due, which led to unnecessary late payments ; also their rewards program is unfair to the consumers. 

In XX/XX/2017, I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself online, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points.I found it appalling, because they have my cell phone number and email on file, yet they failed to send me any notice before treating it as late payment. 

Another thing that bothers me is that Barclays keep renaming and changing its program ( from XXXX XXXX to XXXX, and to XXXX XXXX ), and the reward terms are getting worse. It appears that they have increased the redemption threshold to XXXX points, which forces the customers to keep using their card, even though the card features were no longer competitive. 

Please advise, really appreciate your help
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 — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2022, I reported on my credit monitoring app that my XXXX XXXX Account increased by {$300.00}. 

On XX/XX/XXXX I called XXXX XXXX and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said XXXX XXXX and I reassured her that it did. 
I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually XXXX. 
Since XX/XX/XXXX, I have not heard back from XXXX XXXX or any subsidies on this matter. I called XXXX XXXX back. I was transferred to XXXX by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. 
The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. 
I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to XXXX XXXX  XXXX because nothing is due. 
I was able to make the payment on XX/XX/XXXX and this lending note never was ever 30 days behind. 
Upon discussion with XXXX at platinum on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. 
I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. 
Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. 
Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (TX)

Experian was notified that the write off balance of {$550.00} for the account XXXX is inaccurate and failed to correct or verify this account. They are also reporting XXXX late payments, while XXXX does not report any late payments. I contacted the creditor XXXX XXXX, and they could not verify the information reporting. I must also mention that my payments were deferred due to covid, so I am not sure why this inaccurate information is on my consumer credit report. I sent a letter XX/XX/23, and this inconsistent information persist. Being that I have tried to remedy this problem and it has been 8 months, I will be seeking legal action if this account is not removed. I am requesting that Experian stop reporting for obvious FCRA non-compliance of inaccurate data furnished on the consumer report. Per 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurately and should be removed from my credit report immediately. I have attached my credit report to show the discrepancies as well as my dispute letter, which is dated, and time stamped.
Consumer complaint received 2022-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number XXXX XXXX Please remove it from my credit report.

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2018-05-13
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. (NJ)

My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

I ordered a new phone from XXXX XXXX XXXX on XX/XX/2019, but the phone never arrived. I had several phone calls with XXXX XXXX XXXX about this new phone which was supposedly being sent by XXXX. I also had a few lengthy chat sessions with XXXX XXXX XXXX about me NEVER receiving this phone ( see my chat transcript on XX/XX/2019 which I included as an attachment. ) Because the phone never arrived and I was " phone-less '', I was forced to leave XXXX XXXX XXXX and switch to another phone provider. When I left XXXX XXXX XXXX, I paid my final bill in full, with the exception of the new XXXX XXXX XXXX phone because it was never delivered by XXXX and I never received it.
Consumer complaint received 2021-06-10
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. (TX)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXX XXXX {$550.00} XXXX XXXX XXXX  {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}
Consumer complaint received 2024-02-07
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Acra Intermediate Holdings, LLC (CA)

XXXX is reposting that I have an open account that has already been paid in full as of XX/XX/XXXX. We have reached out to the credit bank, Citadel Servicing Corporation, about this issue. We are unsure if Citadel is the one that is wrongly reporting that there is still a balance, or if XXXX is not updating account status. I have filed a dispute on XX/XX/XXXX, to correct the status of the so called unpaid mortgage, but claimed that the information was up to date on XX/XX/XXXX. We have also called Citadel and they have sent us documents stating that the loan was paid in full, which we have submitted to XXXX as supporting documents to fight the dispute response on XX/XX/XXXX. This false report is severely affecting my credit score and the ability to obtain other loans.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I am a small business owner with multiple accounts with Wells Fargo. On XX/XX/2022 I deposited a {$22000.00} CERTIFIED CASHIERS CHECK into my business account. On Monday, the check was showing on hold so I went to a Branch to see why they were holding a Certified Check in a business account. I was told the hold was placed by another department, and they could not help me at the Branch. I went to my car and called Customer Service who told me the check could not be " verified '', so they had to place a hold on the check. I went to the bank the Certified Check was drawn off of, and they verified it was their check and it was valid. I then called the small business department at Wells Fargo to let them know I needed this released, as I had an obligation to make a wire transfer by close of business with these funds. I was transferred to the Fraud Department, where I was placed on hold for 33 minutes and never able to speak to a person. 

Friday, XX/XX/XXXX, I call the small business line again at Wells Fargo as funds are still not available. XXXX hour XXXX minutes later, and I don't know how many departments later, I am told they need a Notarized Proof of Payment Letter from the payee bank. I called the payee bank, and they have never heard of such a letter in their 25 years of banking. At this point, I consider my money to have been stolen by Wells Fargo.
Consumer complaint received 2020-12-16
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. (NY)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I sent Experian a certified letter in which they claimed to receive On XX/XX/XXXX. The letter was pretty stand forward involving one public record in which I requested my Rights under Section 609 ( a ). I wanted to know the source that gave them the information in order to verify the information with the source that provided Experian. I also requested for them to send me this information via mail. On XX/XX/XXXX Experian emailed me the results which were very bland and told me the account remains and that the company who provided Experian the information states that the information is accurate. In this case Experian violated my FCRA rights by not providing me the sources in my credit file.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Over the last 6 months, Equifax sends online notification their investigation is complete and to view the results. Every time I try viewing the results using the confirmation given, an error page shows up. I may wait a few days same thing. Equifax does cooperate with assisting with an dispute they are not an unbiased organization created over 50 years ago. Equifax is the only credit bureau giving me a XXXX score ( poor ). Equifax the only credit bureau that plays games on the world wide wide. 

I received several notifications that account information was changed that need my attention updated by Equifax pertaining to XXXX and XXXX XXXX in conclusion of closed CFPB complaint regarding both creditors
Consumer complaint received 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Plastiq Inc. (MI)

On XX/XX/XXXX, I submitted a payment for a wire transfer to XXXX XXXX in XXXX in the amount of {$980.00}. Plastiq confirmed the wire would be deposited in their bank account within XXXXXXXX XXXX, however, it is now XX/XX/XXXX and they still have not received anything in their account. 
I have tried contacting their customer service via email and social media for the past week to gain insight as to why the payment is held up to no avail - their customer service is simply a robot that replies with a generic message. Finally I received word via a XXXX message that their team had " escalated it '' and would " get back to me when they had more information ''. However, it is now the end of the day and I still don't have any answers. I worry this will go on for longer if I don't send a formal complaint. 
Upon looking deeper into the company, it appears this is their signature move and it is completely unacceptable. 
I am now out over {$2000.00} as I had to pay the vendor out of my own personal account so the shipment is not further delayed and am waiting on a refund ( or any information at all ) from Plastiq.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Tried to get all old personal info wiped and will not do all is wrong and inaccurate. Please remove personal info. I have only applied for XXXX things in in last 3 years and it show I have over XXXX inquiries. This is not me
Consumer complaint received 2018-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I was involved in an auto accident in XX/XX/2013 whereas I had a substantial amount of medical bills that I had to pay. I advised capital one creditor but help was to no avail. I subsequently settled but the late payments are still effecting my credit score on a negative basis. I have asked for a deletion since my balance is XXXX but they refused. It is a fact that these companies are biased against XXXX. If i were a Congress member they would assist me but since I am not I'm being treated with contempt. I received my credit report trio last week. Wherein my credit scores are very low AND YES, I DID WRITE TO THE CEO BESEECHING HIM FOR HELP. ANSWER RETURNED NO.
Consumer complaint received 2022-03-04
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-02-13
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.