davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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)

In 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 2022-06-15
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)

In 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 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (AR)

Professional Credit Management Is the debt collector for XXXX XXXX XXXX XXXX in XXXX Arkansas. They are attempting to collect a debt of less than {$100.00} x XXXX. The hospital is aware that I have XXXX insurance policies. XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is XXXX XXXXXXXX. The last is XXXX XXXX XXXX. The hospital was notified that the XXXX is the primary but they still always claim the XXXX XXXX XXXX XXXX XXXX because it pays the most etc. They are breaking the law by picking and choosing which is best for them. They have put items on my credit report and causing me not to be able to use my credit. They need to delete their records on my credit and they should have to pay for their mistake
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.
Consumer complaint received 2020-07-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duane Morris LLP (TX)

Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', Duane Morris LLP ( " Attorneys XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX XXXX " Attorney XXXX '' ) in conspiracy with XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXX ( " Attorneys XXXX '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', Attorneys XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and XXXX submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ XXXX in payments with approximately $ XXXX being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — 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 Equifax 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  account XXXX. The following unauthorized inquries should be removed as well XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/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 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NY)

A debt collector ( credence ) called my cell phone telling me that I owe money but when I called XXXX XXXX XXXX ( orginal phone company ) I was informed that I was not put in debt collections. I called back the collection agency who called me and they were telling me that i need to call XXXX on 3 way. I informed the representative that I am not calling XXXX on 3 way but i will inform FTC about their agency. 

Debt collection agency and representative : Credence resource management LLC XXXX XXXX-XXXX Telephone company : XXXX
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: EQUIFAX, INC. (FL)

Account : XXXX XXXX  XXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXX  : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion continues to report inaccurate information concerning my credit file. I am fed up with it and i have proof. I have disupted my address is XXXX XXXX XXXX XXXX. I have sent proof and it matches my drivers license. Yet inaccurate address continue to be reported.MY RIGHTS AS THE FCRA SECTION 623 ( B ) IS BEING VIOLATED PURPOSELY.

THe only address that should be listed on my credit file is XXXX XXXX XXXX XXXX XXXX TX XXXX 2. XXXX XXXX XXXX ACCOUNT # XXXX shows date opened of XX/XX/XXXX it has a balance listed of XXXX its listed as a charge off and date closed of XX/XX/2015. How was this verified with a blindfold? How is the balance higher than the high balance. How was the last payment made on XX/XX/2015 if it was closed XX/XX/2015. THIS IS ALL WRONG NOT PER PROMISSARY NOTE PROVIDED BY XXXX XXXX XXXX 

TRANSUNION HAS BEEN REPORTING THIS AS VERIFIED!!! HOW CLEARLY IT SHOWS THAT THE PREVIOUS BALANCE IS XXXX AND IT SHOWS 4 PAYMENTS OF XXXX MADE. NOT 32? IT CLEARLY SHOWS THIS WAS PAID OFF. WHY IS IT STILL SHOWING I OWE THIS COMPANY??? THIS NEEDS TO BE DELETED AS SOON AS POSSIBLE BECAUSE IT CLEARLY WASNT VERIFIED. 

3. XXXX ACCOUNT # XXXX I HAVE NEVER BEEN 60 DAYS LATE ON THIS ACCOUNT PLEASE UPDATE
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CO)

COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Sent to Regulator FTC XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Company responded Account was closed by consumer for poor service!
Consumer complaint received 2020-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc. (AZ)

Im using Google Pay to receive rent money from a tenant, after leaving another service, XXXX, for a similar problem. Google Pay company demanded a government ID, so I submitted a copy of my bonafide US Passport Card. I also submitted W-9 information. The website has told me Google Pay cant verify my identity and refers me to support. The support is chat ( s ) and call centers based in the XXXX. First, I have a problem with foreign nationals handling my personal information, especially after the Patriot Act. This is absurd due to all the data mining by the XXXX  and XXXX. No foreigners should be handling social security numbers nor personal data of any kind. Second, none of these XXXX  are capable of making decisions nor resolving anything. GOOGLE makes Americans available when you are paying them for XXXX XXXX but when you need assistance with Google Pay no decision makers nor managers are available to resolve snags like this. Either Google Pay should be upfront and collect information before allowing a transaction to take place or not offer the service at all. Especially when dealing with relatively small dollar denominated amounts. Google Pay shouldnt be authorized to this kind of financial service without offering banking and credentials supervised by the Banking Thrift or Fed. My solution for now is to give me the money that is in process and then be sanctioned for suckering consumers in with free services only to whipsaw them later. They should issue a public apology and be forced to open call centers within the US.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But those information are constantly reporting and causes negative impact on my credit. Therefore, Experian XXXX did not take any action to remove the incorrect information and inquiries listed below : Personal Information Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Date Updated : XX/XX/XXXX Employer XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

THIS ACCOUNT WAS OPENED IN XXXX THE ORIGINAL CREDITOR WAS XXXX XXXX CREDIT CARD. THIS FACTORING COMPANY-PORTFOLIO RECOVERY BOUGHT MY DEBT FOR A XXXX AND INDICATED THAT THE ACCOUNT WAS OPENED IN XXXX THEY FALSELY INDICATED THAT THE ACCOUNT WAS OPENED AND THE REMOVAL OF THE WRONG YEAR FOR XXXX. ACCORDING TO WHAT I READ THE CREDIT REPORTS MUST DELETE OR UPDATE THE CORRECTED INFORMATION. I HAVE BEEN CONSISTENTLY ON THE COMPANY AND THE CREDIT REPORT TO CORRECT THE ERROR. 

AT THIS POINT I AM REQUESTING THE PORTFOLIO RECOVERY DELETE ALL ACCOUNTS FOR INACCURATE INFORMATION AFTER DISPUTING WITH THEM FOR 4 YEARS!!!!!!
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I pay ALL my bills on the XXXX of the month with no problem ( i.e. XXXX, XXXX, XXXX XXXX, Home Depot etc. ). This credit card, Best Buy Credit Services, charges me a LATE FEE of {$28.00} and this time {$39.00} because as she ( Ms. XXXX, Mgr ) put it, " I must pay between the XXXX to the XXXX of the month '' and If I pay " early '' I will incur a LATE FEE. 

Last month they credit me the {$28.00} late fee, this month they say they are unable to credit the {$39.00} late fee because It's the 2nd time that I do not pay between the XXXX & the XXXX. 

This is " unfair '' practice and their way to abuse the " consumer ''. I shouldn't be penalized for paying my Statement within the current month.
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc. (CA)

The product they sent did not meet my expectations and the item was returned even though they never responded to my request on instructions on RMA ( Return Merchandise Authorization ). I have made several attempts to cancel and no one was able to respond to my inquires. ( Please see attached ). This needs to be deleted from my credit report immediately as it has affected my score and history.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (VA)

Suntrust Bank had a promotion for new accounts. it was {$200.00} after depositing {$1500.00}. After I Contacted them they claimed that I did not provide a promotional code. That is not true. The promotional code was auto populated in the window. there was no way to add the code. The field was grey with the promotional code already entered.
Consumer complaint received 2018-04-28
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of Capital One regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of Capital One since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with Capital One which was never paid late.
Consumer complaint received 2022-02-15
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. (TN)

I sent an XXXX report to XXXX also attached documents, XXXX never responded. I also attached factual errors and they are still reporting the fraudulent account on my consumer reports.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I called XXXX XXXX XXXX credit card customer services regarding 2 fraudulent charges to my card made at the store Home Depot on XX/XX/XXXX ; one for {$520.00} in XXXX XXXX XXXX, FL at XXXX XXXX and another charge for {$99.00} in XXXX XXXX, FL at XXXX XXXX. The customer services department informed me that I will get the money back to my account in 48 hours, send me replacement card and report the case for investigation. 
On XX/XX/XXXX the credit was adjusted to my account and I received new credit card replacement. 
On XX/XX/XXXX I check my credit card balances on line and these 2 charges were back to my credit card. I called to the fraud investigation in very disrespectful way attitude the supervisor told me that I have to pay because my card was used and that card can not be cloned. 

I drove to the store and requested the receipts and immediate saw wrong card expiration date, and these purchasers were done when I was working. I have proof of that and early express that I was in possession of the credit card ( the card was not stolen or lost ) and is not joint card holder or authorized user. 

Today, XX/XX/XXXX I received a letter from XXXX XXXX XXXX, states that I will be responsible for these charges and if the minimum payment is not made will be reporter to XXXX, XXXX and XXXX XXXX. I have proof and support that I was working by the time of the charges and I have possession of the credit card. Also I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX with all the supports.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (PA)

Discovery Bank is reporting a charged-off account on my credit profile. They are verifying this account based on an online application where my social security, date of birth, and mother 's maiden name were provided. I've submitted a police report because this information was used by another individual. Also, the address XXXX XXXX XXXX XXXX PA is not my address. Please provide further evidence that this account is mine. Please provide an explanation of how my information was verified. I did not speak to a representative nor sign any documents. How can an online application alone verify a person 's identity? 

I've attempted to address the issue and informed Discovery that the account is false however they continue to report it. I even attempted to settle a debt that doesn't belong to me to avoid the impact on my credit profile. Please provide a method of verification.
Consumer complaint received 2022-02-15
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. (MI)

Know that the following inquiry was unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 
EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXXXXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am trying to get my free annual credit report. Equifax is the only one that wont let me access online. I have sent in my I'd and social security card in with the proper information and they always say they cant identify my info. I have tried this 4 times. They tell me to do the same thing over and over which I do. Then when i do that they say the same thing saying they cant identify me. This problem has been going on for 4 months and i am beyond frustrated and in desperate need of this.