davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

While talking with Experian on the phone on XXXX XX/XX/XXXX to get the freeze on my credit lifted. They asked me several questions to verify who I am and I provided all of the correct information ( monthly payments for my mortgage, current balance on my credit card, etc. ). They said the information was incorrect and I had to mail or fax my SSN card. 

However, I found out there was a link online with them to lift the freeze and the questions there were more specific. Examples are : Did you have an auto loan in XX/XX/XXXX? If so, which company was it with? 
Do you apply for a mortgage in XX/XX/XXXX? if so, was it with one of these companies? 

They are asking different questions on the phone which are impossible to answer. I asked the reps I spoke to what timeframe they were asking about for the auto loan and they said " at any point in time ''. But that wasn't the case apparently. 

They are making it impossible to lift freezes on your credit and they are conducting illegal activities by holding my personal information hostage. I must also point out, they were never authorized to hold my personal information to begin with. Experian must be dismantled and shut down in the name of customer protection.
Consumer complaint received 2022-04-30
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. (NY)

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-08-20
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. (AL)

Credit bureaus, experian, XXXX, and XXXX, reporting inaccurate information on report. XXXX XXXX XXXX showing open and XXXX XXXX also showing open, these accounts was closed after CFPB investigation for inaccurate information.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I would like assistance with disputing a charge on my account for {$14000.00}. It was paid to Citi Mastercard on XX/XX/18. In total they charged me {$14000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Consumer complaint received 2023-01-26
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. (CA)

Transunion is reporting information on my consumer report that is causing harm to my personal life. It is TRANSUNIONs duty pursuant to the FCRA to report accurate and correct information on my consumer report, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2019-02-03
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. (NJ)

i never opened or applied for any of these accunts ever. its destroying my whole entire life XXXX XXXX   Reported : XXXX XXXX, XXXX {$510.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$490.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$240.00} Needs AttentionXXXX Reported : XXXX XXXX, XXXX {$1500.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX {$470.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX & XXXX XXXX : XX/XX/XXXX {$0.00} Closed
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I applied for the XXXX XXXX XXXX XXXX Business Card on XX/XX/XXXX and was approved. There was a bonus offer of " A {$100.00} STATEMENT CREDIT after your first purchase on the XXXX XXXX XXXX XXXX Business Card within your first 3 months. Plus, earn XXXX XXXX XXXX  Bonus Points after you use your new Card to make {$3000.00} in eligible purchases within the first 3 months of Card Membership. '' I made my first eligible purchases with the card on XX/XX/XXXX, and completed {$3000.00} in eligible purchases on XX/XX/XXXX. 

On XX/XX/XXXX, I confirmed that these offers were in effect via the " American Express Chat '' online. However, I followed up on the status of the offer ( since I had not yet received either the {$100.00} statement credit or the XXXX bonus points ) on XX/XX/XXXX, and I was informed via the " American Express Chat '' online that the welcome bonus offer was declined.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Service Company, INC (MD)

I was hospitalized XX/XX/XXXX at XXXX XXXX XXXX XXXX. At that time, I showed my insurance card to administration. On XX/XX/XXXX, when I checked my credit record, it showed my late payment went to collection agency. However, that amount of {$2900.00} is supposed to go to insurance company, not to me. I called to the hospital asked what happened. 
They explained me that my insurance company denied to pay that amount. It is strange enough because I already checked with Insurance company about this problem. 
I double checked with hospital all the information, then we found the hospital sent my bill to the different company. So I thought problem is over, but actually it continues. 

The collection agency doesn't report to the credit reporting company such as XXXX  about problem solved and they need to lift off their claim more than months until XX/XX/XXXX. So I complained them to repair my credit information. They did, but they repaired only 2 companies not for XXXX. I called to XXXX to dispute the claim XX/XX/XXXX, but they denied to dispute because Hospital or Physician are not to lift off the billing yet. I checked the hospital but they were okay, then They explained me that the amount is sent by Physician butThe company name XXXX XXXX XXXX which the physician belonged is not able to contact because all the information is incorrect. Even Hospital doesn't have information. The collection agency named XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, CO XXXX ( XXXX ) XXXX. Account # XXXX They never work for me to repair. They ALWAYS say We will repair your problem!, but never ever do. 

Since problem started since XX/XX/XXXX, It is already 2 years. I have no idea what I need to do. Please help. 

Thank you
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (DE)

I had a XXXX Credit Card for XXXX XXXX. On XX/XX/XXXX I learned that they charged me a finance charge of {$1600.00} on a {$1500.00} debt. I had paid on the debt more than always on time and more than the minimum amount. 
Apparently my 24 months of 0 % APR had expired on XX/XX/XXXX. Thus they charged me interest/finance charge on the original amount. They charged in on XX/XX/XXXX and I spoke to them about it on XX/XX/XXXX and offered to pay the total amount I owed - which was {$1500.00}. 
I escalated the matter to several managers and they told me that I had some wiggle room around the XX/XX/XXXX but because it was outside of 2 - 3 days they could not help me. I ended up paying the full amount. 
I understand that I did not read the fine print as closely as I should have. I also was getting paperless statements. 
I am asking if you can help me out so I can get some of the money back.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

Hello, LVNV Funding LLC is attempting to collect a balance of {$850.00}, a chargeoff from XXXX XXXX. 

LVNV is reporting as the original creditor and showing a credit term of 1 months. This is blatantly false information. When I dispute with the bureaus they just say " disputing '' or " verified as accurate '' and never provide proof. They can not verify this as accurate as they practice shady collection tactics and it is well known.If LVNV wants to play original creditor I require them to provide proof of an agreement with their company to the terms. 

LVNV claims not to be a collection company at all, but a subsidary acting on behalf of Resurgent Capital. 

Further, I have never received a dunning letter from LVNV funding which is required. If they dispute this fact I would urge they be required to provide proof. 

LVNV has reported incorrect and damaging information concerning the alleged debt to credit reporting agencies in violation of the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS XXXX & EQUIFAX HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " CORRECT '' THIS ACCOUNT. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (NJ)

In XXXX of XXXX we signed with XXXX XXXX XXXX, our account is with XXXX XXXX XXXX. This was for debt relief from credit cards. A woman came over the house, to which I later found out she was a third party. I received a packet in the mail from XXXX XXXX XXXX XXXX. To which I thought great. Only to find out that the main firm is XXXX XXXX XXXX XXXX which hires out third parties. My husband and I agreed that they XXXX XXXX XXXX would take XXXX from my husbands social security check only because I am the main supporter of the house. We have been paying since XXXX, that equals {$4200.00}. I checked with XXXX  and we only have a balance of {$590.00}. I am now being sued by Discovered. I can not afford to have my paycheck garnished I am the main supporter of this house. I have all documents printed, with all fees and charges. They have not contacted any one. I  with each phone call that came in gave them their number like I was told to do. My husband has debt collector letters coming in. I had called them to cancel the contract, they told me I had to do it with XXXX XXXX  she said gXXXX XXXX was only a third party and she can not do it. I sent my husband to the bank to stop payment yesterday on XX/XX/XXXX, to which we had to pay XXXX to do that. My email is XXXX. XX/XX/XXXX XXXX fee and also XXXX fee.dec, XXXX XXXX, fee dec. XXXX XXXX fee. XXXX XXXX fee it goes on and on I have all documents printed beginning in XXXX when they started taking the money out We just want our money back and something to be done so my check don't get garnished. Please help.
Consumer complaint received 2019-01-29
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. (NJ)

I spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts from my credit report.
Consumer complaint received 2022-09-01
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. (CA)

I have submitted disputes to you and didn't get a response within 30 days and you all are required by law to do so. Please investigate me disputes, please. Thank you
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by a fake investment company which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. ENHANCED RECOVERY COMPANY
Consumer complaint received 2019-02-03
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. (TX)

I have a loan account that was shows closed on my credit report, and this was happened from the company side as the sold the loan to a different company and since the loan shows closed and this impacts my credit score and i have to deal with lower credit score and closed accounts that make my credit report look unappealing. I have my wife and my son also on the loan account which means they also have the closed account showing on their reports as well, all i want is that closed account taken off our credit reports. 

Closed account name : - XXXX XXXX XXXX XXXX All i want is this closed account taken off our reports as this change in loan company wasn't our fault.
Consumer complaint received 2019-02-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company (OH)

Freedom Mortgage Company said that AutoPay was active for one of my houses. I put enough money into that houses account to pay the mortgage for a year. After 3 months I received mail that the house was in foreclosure. I immediately tried to log in to pay the past due amounts but was unable to, and was told to speak with Freedom 's attorneys. 

After speaking with the attorneys, they sent me a reinstatement letter from Freedom Mortgage, which listed the past due amount, along with a laundry list of additional fees that were never explained. The past due amount was roughly {$5000.00} - however they tacked on another {$5000.00} in fees. Getting nowhere on answers from them, I decided to hire my own attorneys. 

My attorneys could not get answers from Freedom 's attorneys or Freedom Mortgage for months. We unfortunately had no record of the autopay setup, so my attorneys pretty much said that they can keep fighting this - however it will likely result in the house foreclosing. I basically had two options, let the house foreclose due to the ridiculous amount of fees Freedom wanted to collect, or suck it up and pay all the fees so that my credit didn't get destroyed. 

So after a whole year of back and forth and getting no answers from Freedom, I finally decided to stop all the bleeding from both sides. The past due mortgage payments were {$17000.00}. I was happy to pay that. However in order to get the loan reinstated, I had to pay them {$26000.00}. The rest were all their fees. This does not include what I paid to my attorneys to try to get this whole issue resolved. 

All I wanted the entire time was to talk to someone at Freedom about the fees and see if there was a fair resolution given the circumstances. I am incredibly displeased with how this whole thing transpired.
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation (SC)

Someone opened a fraudulent account using my social security number..I did not give anybody permission to use my social ... I have provided the requested documents to XXXX  as requested and the investigation has been ongoing since XX/XX/XXXX in which is the date the loan was open..XXXX XXXX is the name of the loan company..There is a balance of {$9600.00} with a high balance of {$16000.00} ... I dont need a loan of no type if you check my credit you will see all my credit accounts is in perfect standing ... this is causing emotional distress on me and my family ... Ive even reached out to the RMC Loan place and asked that they run there security cameras so that we could see who done this such awful thing and they told me they dont have cameras ... I have provided to XXXX  several police reports that state this account is fraudulent and they still say the process hasnt been completed and that RMC has verified that the account belongs to me..I told them to provide proof that the account belongs to me bc unless I have a cloan then they need to remove this account immediately..Im trying to be patient and take the proper steps into going about this situation before I proceed with my attorney..please take into consideration that I will prosecute whomever we find out who did this ... Im convinced that the bureaus has something to do with this because they removed the inquiry but not the account ... my credit was ran 27 times in one month and they removed all of them because fraud was obvious..I have police reports all the way from XX/XX/XXXX where my entire vehicle was stolen and my wallet ... Ive been a victim of identity theft for 6 plus years now and the bureaus been aware of that.It also states that Ive paid off 41 % of the loan and Ive never made a payment on it because I didnt open a loan up .Thanks and please contact me back about this matter..XXXX or XXXX XXXX
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (FL)

My name is XXXX XXXX XXXX Social Security number XXXX I called alliance one collection agency about three acounts that pertain to court fees for XXXX XXXX county court the original case number are XXXX. The phone number I called was XXXX XXXX they gave me this account number XXXX and told me I owed XXXX I know this account number is not valid because when I entered it on there website payment portal it stated this account number did not belong to me they refuse to mail me a letter I've requested it twice and have not received anything but lies from word of mouth from alliance one I know this amount can not be accurate and there trying to rip me off I'll appreciate it that action be taken on my complaint they lied about the account number gave me the wrong amount debt owed and refused to send me a letter.
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NY)

This bill is for a gas service for a property that I sold 8 years ago and the bank did not settle the open account, I did not knew I had this balance open for {$500.00} dollars. I contacted IC Systems and told them that I am in lay off right now, but I want to settle the account paying what I acan right now, which is {$200.00}. 
They did not accepted and then is when the call and mail harassment started.