davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX  XXXX billed me improperly for amounts my insurance should have covered. I told them to bill the insurance and it looks like they never did they just continued to send me bills. I continued to dispute such charges. They sent my debt to collections now with Credit Collections Service XXXX XXXX, MA. This was a surprise medical bill anyway, it should have been covered on my insurance and I never consented to my bill and statement being send to Credit Collections from the start. XXXX now continues to contact my after being asked not to be contacted about this debt that I do not owe.
Consumer complaint received 2022-03-19
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. (GA)

In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  account number XXXX in XXXX I have tried with several letters to clear this off my report. I keep getting responses back that do not address the main issue. Im not requesting verification of this debt but I am requesting VALIDATION of the debt. Physical verification of a signed contract. License number of an. Authorized agent who is able to collect this and is licensed in the state of Pennsylvania. If these cant be met Id like this item removed from my credit report immediately since this has been going on for months now.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

Attn : I had invested thousands of dollars in the stocks with Robinhood and I also had a debit card attached to this account. I had fraudulent purchases on my account and once I found out I notified Robinhood immediately in XX/XX/XXXX. 
They have refunded some of the fraudulent charges and some have not been refunded. 
I have been in communication with them constantly and I have been unable to resolve this matter. I have reached out to XXXX to assist with this matter and Robinhood has been uncooperative with them. 
I was referred to your department by XXXX for you to assist with this matter. 

Robinhood XXXX ID : XXXX I had money in the stocks with Robinhood, some items were reimbursed, and then all of a sudden my account went into the negative.

Where did my money go? How can I go from a positive to a negative and Robinhood will not give me an explanation of how this happens?

Where is my invested money in the stocks?

I have repeatedly requested for Robinhood to send me a printout of all these transactions in the past and I have not received any response. 

This is an example of some of the disputed items : The XXXX were XXXX separate transactions XX/XX/XXXX was {$530.00} and on XX/XX/XXXX : {$530.00} So, in essence, all that was returned was the full amount of {$530.00} What happened to the refund for {$530.00}? 

These transactions were credited to my account and then Robinhood reversed them : XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I am sending this letter to Comenity Bank because I am formally asking them to remove the cease and desist, they applied to all my valid accounts. 

the cease and desist was only supposed to be applied the account that was listed on the letter which was the XXXX account. 

This letter is asking that they remove all holds from all my valid accounts and only apply the cease and desist to XXXX account and remove from all other accounts, because they are valid, and payments are made on them monthly and are all in good standing.
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (TX)

XXXX XXXX and XXXX XXXX from Kinum , Inc. of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX VA XXXX have been harassing me over the past several years about a false debt that I have nothing to do with. The alleged debt has to do with a business contract between XXXX corporations and the amount owed is completely fabricated. In fact, the other party that they claim to represent has admitted to not knowing where any of this is coming from. They have called me, my family, and have sent aggressive letters threatening to sue. People who act in such manner based on erroneous and completely unfounded claims must be stopped.
Consumer complaint received 2022-08-29
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. (AL)

I Am a natural person, I Am a living human being. I have rights under 15 USC 1681 : Equifax is governed by 15 USC 1681 ;, and they have violated my rights numerous of times. I Demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy. I did not give Equifax written permission to furnish these accounts. XXXX {$140.00}. XXXX- {$220.00}. XXXX- {$190.00}, XXXX- {$220.00}. XXXX- {$220.00}, XXXX- {$290.00}. XXXX {$290.00}. XXXX {$320.00}. XXXX {$350.00}, XXXX- {$650.00}.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This investigation is still open under case file number XXXX. I have been patiently waiting for both XXXX and Transunion to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both XXXX and TRANSUNION to remove these inquiries.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (NC)

Today I looked at my on-line check stub for payday this coming Friday, XX/XX/XXXX, and was very surprised to see a garnishment attached. I contacted my HR and was told that there was a garnishment by court order. HR then referred me to XXXX XXXX, XXXX. They in turn gave me a Case Number and referred me to the law firm of COOLING AND WINTER. This firm was rude, difficult and, hung up on me. I then called back to XXXX XXXX. This time, they told me that the garnishment was in relation to credit card debt with XXXX XXXX XXXX. I have not had a credit card with XXXX since early XXXX or somewhere in that time frame. I was never notified of any pending court action and thus had no way to refute any claims that were made. At the time that I got credit cards with XXXX, I was a resident of XXXX. In XXXX, the Statute of Limitations on credit card debt is 6 years ( OCGA 9-3-24 ). I am now a resident of XXXX XXXX and have been since XXXX. In XXXX XXXX, the Statute of Limitations is 3 years ( Civil Procedure 1-52.1 ).
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I wrote Experian, XXXX and XXXX on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation
Consumer complaint received 2022-03-19
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. (LA)

I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below 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 XXXX XXXX The following information does not belong to me
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The XXXX XXXX XXXX card that is a Bank Of America prepaid card ; would have an atrocious customer service team. 

I have been waiting for months and months ; since last year for my backpay unemployment pandemic benefit. 

It is is very much challenging and all that NJ Dept Of Unemployment Insurance ; as well as Bank Of America can do is play games with a nice woman as myself. 

They owe me way more than {$3000.00} and then to take away my benefits where I am left even more stranded... .would be cruel and harsh treatment. 

Additionally ; I have permanent XXXX  injuries and to go through this aggravation is not fair and its not deserving. 

I will have to stop using business services and their companies ... .if they continue to hire incompetent, jealous haters aka cancel culture groups that have no idea that what they do ; will come back at them even worse. 

I am still waiting for my good karma. Its not a higher spiritual being that is blocking my good karma... .its evil people.
Consumer complaint received 2017-08-16
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. (FL)

I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, XXXX and Experian in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another  loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent letters back in XXXX to all credit bureaus to validate and remove inaccuracies and nothing was done. 

XX/XX/2023 and it cost me {$27.00}
Consumer complaint received 2022-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Beginning on XX/XX/2002 including today XX/XX/2002 I have had 22 phone calls from PORTFOLIORECOV. Most calls show from CA, but also one each from TX, ID, IN, NJ, WI, KY and IL They have never left a message nor have I ever received anything written as to why they are calling. My son and I who live here have no unpaid overdue debt. I suspect fraud. All calls have been to my home phone that is a land line and some appear to be ROBO. 
I have listed all the calls including date, phone number city and state called from on a note pad, but I don't know that that will help in this complaint. I can send them, if needed.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Creditrepair.com, Inc. (NC)

I suffered ID theft at the hands of XXXX XXXX XXXX where they used my social security number for someone else 's account in XX/XX/XXXX-XX/XX/XXXX. This cause severe damage to my 35 years of perfect credit. I hired XXXX XXXX to help me. They did a very good job at getting this fixed but in XX/XX/XXXX they lost legal representation in my state of North Carolina. This left me with no choice but fixing my scores on my own and cleaning up incorrect credit information. I did pretty good with most of my left issues with the exception of dealing with XXXX  XXXX XXXX and XXXX XXXX. They are a major issue and totally unresponsive. Therefore, at the beginning of this year I hired CreditRepair.com. They said they could help with all my remaining issues. Instead, I discovered they are hard to get in touch with. Their people do not follow though or do anything. Their departments do not work in harmony with each other too. As a result, my credit scores have been going down instead of up even though I have not missed a single payment on any of my responsibilities. When I called them today I found a recording saying their staff was in meetings and their phone system hung up without taking a message. I tried using their chat function and that showed they were closed today during normal business hours. So I sent them an email message saying I wanted a complete refund and for them to stop charging me. They need to deal with my request immediately along with fixing their issues or be investigated and/or shutdown as a service. I am also very concerned about the security of all the financial information I have shared with them too!
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I, the consumer, requested that personal information be removed from my consumer report showing incorrect spelling of names and unknown addresses. This request was received by the consumer reporting agency, TransUnion, file # XXXX on XX/XX/22 with proper documentation included. ( i.e. ID, Proof of Address ). The consumer reporting agency, Transunion, responded on XX/XX/22, with the opinion that they believed I did not send in the request and I may have used a third party. Along, will no personal information being updated. This is a violation of my rights per 15 USC 1681H ( a ) ( 1 ).
Consumer complaint received 2022-03-19
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: AMERICAN EXPRESS COMPANY (NJ)

I left my company 's employment in XX/XX/XXXX. At that time, my company supposedly deleted my name from the corporation and accordingly, from the corporate account with the American Express Company ( card # XXXX XXXX ). I was contacted by the AMEX in XXXX of XXXX, saying that the account was in arrears for 120 days. I explained that I was retired from the company on XX/XX/XXXX and had no idea that my name was still on the account or who made the charges that appeared on the bills. After some research, I was able to give them updated information on the persons now responsible for the debt. I was informed by AMEX that they could not by law, contact the corporation. I then learned that the account was canceled as was my personal AMEX card. I had been a personal cardholder since XXXX and never missed a payment, but they still questioned my veracity in the matter. After several phone calls to AMEX, I could not make any progress. In the mean time, AMEX reported the account to several credit score companies, which resulted in my credit score going down an average of XXXX points. I have submitted complaints to XXXX and XXXX XXXX, but there efforts have been feeble and ineffective. I seek to have my credit score restored and for AMEX to rescind their derogatory remarks no on my credit report.
Consumer complaint received 2019-07-02
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. (GA)

XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on my credit report.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Nearly two months, I mailed Experian a letter asking them to correct errors on my credit report. Nearly 2 months have past, and I have yet to receive a response from them.
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (MS)

So, not too long ago I had a chance to pull a full credit analysis to do a check in on my credit and the only reason that I'm just now taking action is due to my address and number not being updated due to me relocating and the credit bureaus not properly making the change in time. When I did look at my report, to my surprise, I noticed I had 3 collection accounts from some company I've never heard of called XXXX Paragon Revenue Group that was opened in XX/XX/2021 for {$2000.00}, {$740.00}, & {$220.00} with the last balance update of XXXX that I do NOT recall and am not liable for. That's a total of {$2900.00} from a company I don't know or have never signed any agreement or contract with. I've NEVER received any notice pertaining to this alleged debt or that it was even reported and added to my credit. I never entered into any signed agreement or completed an original contract with them for this alleged debt. This situation is fraudulent and is a violation of my rights. This inaccurate collection is NOT mine and is doing nothing, but negatively impacting my credit score. I've filed a complaint with the XXXX  and have also mailed in documents asking them to validate debt and have no received a response, they also said they would remove their accounts from collections and they're still reporting to my credit report and affecting it negatively. My last resort if this can not be solved or fixed is to take legal action and speak with the attorney general and take it to court.
Consumer complaint received 2022-03-19
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. (MD)

My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc XXXX
Consumer complaint received 2022-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (RI)

I have always made an effort to pay my mortgage on time. I have a FHA mortgage that I signed on XXXX of XXXX. Starting on XX/XX/XXXX I was placed on a non-paid medical leave. I immediately enrolled in my mortgage companies ' Wells Fargo Covid Payment Extension/Home Preservation Program . They provide forbearance for Covid-related medical financial hardships. I qualified. 

On XX/XX/XXXX I applied for the US Treasury funded/ Homeowner 's Assistance Program/RI Housing program to help me with my mortgage. I submitted my tax returns from XXXX and XXXX and I had no recent paystubs to submit because I've had no income since XX/XX/XXXX due to non-paid medical leave from work. As of yet I am still not back to work and my doctor has not released me to return to work. 

My complaint is that the US Treasury has funded RI Housing and Wells Fargo with this program for people just like me and want them to use the funds to please help me to bring my mortgage up to date. That has not happened. RI Housing is claiming that my application to the Homeowner Assistance Fund is being held up by Wells Fargo since XX/XX/XXXX when they tried to contact them. But Wells Fargo mortgage, on the other hand is saying, that as of XX/XX/XXXX no one from RI Housing XXXXXXXX has tried to contact them in regards to my Homeowner Assistance Fund application that I completed on XX/XX/XXXX through RI Housing  online application portal ( see documents attached below for proof ). 

As a result of this tug of war between RI Housing and Wells Fargo the Homeowner Assistance Fund in my state is running low and I may not reap the benefits of the program. The program is meant to target people exactly like me ( low-income Afro-latina homeowners ).
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Immediate Credit Recovery (NJ)

XXXX 2017, the IRS and the XXXX XXXX XXXX informed me that a collection agency by the name of Immediate Recovery are in charge of my loans now for the amount of {$50.00}, XXXX. I have made many attempts to contact them and still no response. I have even asked the representative s that do  answer to please leave an email with my request to speak to them but still they have not reached out.