davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MN)

I decided to freeze my credit in the 3 major credit bureaus, Experian being one of them. Since then, I have received multiple marketing emails under the guise of " changes to my account. '' Thus, I am unable to unsubscribe from these so-called " changes to my account. '' Examples of the contents of the emails I have been receiving include the following messages : - " Don't just check your FICO Score*. Boost it! Now with Experian Boost, your FICO Score can benefit from the bills you already pay but haven't been getting credit for. '' - " Your Experian financial profile is ready, [ My name ]. As part of your membership, weve prepared your unique Experian financial profile to give you a snapshot of where you stand. Its now ready for you to see. '' Both of these emails have the following phrasing at the bottom of the emails : " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorksSM Basic emails in the past, dont worryyou no longer receive newsletters or special offers. '' BUT THESE ARE VERY CLEARLY MARKETING EMAILS. Experian is just trying to snake their way around having to offer users unsubscribe buttons while very evidently violating CANSPAM regulations. 

Here are also several posts complaining of the same issue : XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please feel free to call me via the number provided or send an email address to the email I provided if you would like for me to forward these atrocious emails to you for evidence. 

To fix this problem is to stop sending me this garbage.
Consumer complaint received 2018-08-14
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. (LA)

XX/XX/2018. {$3000.00} charge to XXXX gift cards XX/XX/2018. {$36.00} charge to foreign purchase transaction fee XX/XX/2018. {$1200.00} charge to XXXX XXXX XXXX XX/XX/2018. {$4.00}. Charge to XXXX XXXX XXXXXX/XX/2018 {$4.00}. Charge to XXXX XXXX XXXX I spoke to the issuer of this card today, XX/XX/XXXX and they will start a fraud case. These amounts will be on my statement until this has been resolved, which could take 60 days. These are not my charges and Im ready to close this account. This credit card never leaves my house.
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gragil Associates, Inc. (MA)

In XXXX of XXXX I incurred a medical debt for a XXXX test at XXXX XXXX ( a chain of urgent care centers ). I was not billed for this debt until XXXX of XXXX. At that time, I checked my health insurance portal and saw that the debt had been covered by my insurance and paid in XXXX of XXXX. 

I contacted XXXXXXXX XXXX and was told that the records must have crossed in the mail and to dispose of the bill. I did so, and contacted them a second time when I received another bill in XXXX. At that time, I also wrote XXXXXXXX XXXX  and provided documentation that the debt had been paid in full by insurance. They appear to have sold the debt to Gragil Associates Inc sometime between XX/XX/XXXX and XX/XX/XXXX, as I first received correspondence from Gragil in XXXX of XXXX. 

At that time, I responded that I sought to dispute the debt as it had been paid, and also requested documentation regarding the debt. I began receiving collections phone calls from Gragil in late XXXX, despite never having received the requested documentation. I do not have records of those earliest calls, but the earliest one I can demonstrably document was from XX/XX/XXXX. I received " documentation '' that appears to be fraudulent from Gragil that was dated XX/XX/XXXX but postmarked XX/XX/XXXX on XX/XX/XXXX, at which time I had received about a half-dozen collections calls. 

The invoice for the debt was prepared by Gragil and has their mailing address at the top of the page, but it is designed to look like an invoice from Convenient MD. I have responded to Gragil in writing and provided documentation from my insurance company that the debt was paid in XXXX of XXXX. The calls have not stopped. 

On XX/XX/XXXX, I responded to the " invoice '' provided by Gragil with documentation of payment, and also included documentation of their unethical and illegal collections tactics ( sending an invoice that is not proof of the original debt ; the fact that collections calls began before documentation was sent as requested ). At this time I have not yet heard back but hopefully this will be the end of their attempts to collect the " debt '' that was never owed in the first place.
Consumer complaint received 2019-08-20
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. (ID)

XXXX; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc. (IL)

In XX/XX/XXXX, I visited a physician and underwent testing at XXXX XXXX ( SC ) in XXXX, IL. Subsequently, I received an EOB which stated that the initial claim was denied. I did not hear back from SC until XX/XX/XXXX, after which I received multiple bills in varying amounts until XX/XX/XXXX. I expected that the sum would be picked up by my insurance company as I did not hear back from SC. 
Much to my dismay, when I was applying for credit in XX/XX/XXXX, I was informed that I had 6 adverse remarks on my credit score. 

Apparently, in the previous 6 months, my bills were transferred to Pro Com Services of Illinois ( XXXX XXXX XXXX, XXXX, IL XXXX ). When I contacted the agency, I was informed that these remarks were placed after multiple attempts to contact me. I informed them that I had never heard from Pro Com ( in writing or over the phone ). I immediately paid the amount owed. However, till date, Pro Com has not undertaken any actions to correct these adverse marks that should have never have been placed in the first place. 

I am deeply distressed by these developments. As a law abiding person, I have never been late on a single payment under any circumstance. I am disturbed by the actions of XXXX XXXX and Pro Com. I believe that the actions of ProCom represent predatory practices and must be investigated.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MN)

I have contact this credit card in the past, I am thinking XXXX, asking to see if they would decrease my APR % and they declined my request. In XX/XX/XXXX, I contacted them again for the same request and again declined. Each time I requested to talk to a manager, was told a manager is not available at the time but will have them contact you in the next 24 hours. Both times they failed to call me. 
I have been an on time customer and have paid this card off a couple of times. And they are not willing to help me. But they will increase your spend amount without you approving. My other credit card from a different company lowered my APR % with no problem.

Barclays doesn't care to help their good status customers. Once this card is paid off, I am done with them.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-03-29
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: Perfection Collection (MD)

Account Named Perfection Collection {$2400.00} was disputed to XXXX and subsequently removed by XXXX between XX/XX/XXXX and XX/XX/XXXX, Then without notifying me XXXX placed the account back on my credit report between XX/XX/XXXX and XX/XX/XXXX This in violation of FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Also the account seems to have been re-aged in Violation of FCRA Section 605 ( C ) Last neither the collection agency or XXXX have not validated the debt with and original signed & dated contract which would validate the debt. This in Violation of FDCPA Section 809 ( B ) FTC Opinion Letter XXXX  from XXXX.
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I am contacting the CFPB for help in dealing with my mortgage servicing company, Shellpoint Mortgage Servicing. Prior to XX/XX/XXXX, XXXX XXXX XXXX had been servicing my mortgage. XXXX had my loan on a forbearance from XX/XX/XXXX through XX/XX/XXXX. I extended the forbearance another three months because although I was able to make payments, I was not working nearly as much during those months and anticipated being short. I was told I could make payments even though the loan was on a forbearance so I made the following payments while continually extending the forbearance dates : XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX had assured me the past due payments would be deferred but then the loan transferred from XXXX to Shellpoint XX/XX/XXXX . Shellpoint insisted they needed a full package which resulted in denials for insufficient income. I explained I simply wanted to defer the past due payments and keep my 2.5 % rate because of course, any modification would increase my rate substantially. I only wanted to defer the past due payments and continue to pay my regular payment. I pointed out that not only did Shellpoint deny my loan for retention options but they stopped taking my payments and quickly referred the loan to foreclosure XX/XX/XXXX.
Consumer complaint received 2022-03-09
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (TN)

Recently noticed Emails from Wisley about my debit card being declined. 
I never opened or have heard of wisley AKA My.wisley.com. 
I called them to close it out and that i believed someone opened the account without my permission and is now trying to buy things.. 
none of this makes sense because why open a bank account with someones information ( i asked if my social was in fact a open account, yes ). 
And than try to spend it.. im concerned someone might hack into my other Bank accounts or already have.
Consumer complaint received 2022-07-08
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. (FL)

I pulled my credit report on XX/XX/XXXX and noticed 5 hard inquiries on my Equifax report. I called Equifax to have them removed because they were not authorized by me. The representative removed 2 hard inquiries with XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. He said he was unable to remove the other three, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-04-29
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: EQUIFAX, INC. (CA)

Hello, I am filing a complaint due to the fact that my credit score is being affected by someone else 's loans. I looked at my credit report and found out my credit score with Equifax is affected by someone else 's actions. The person 's information is on my credit report for some reason I do not understand, but what I do understand is that my credit is being affected drastically because of what the other person is doing. On my credit report that I printed out on XX/XX/XXXX, it shows I have asked for a credit card with a balance of {$12000.00} in XX/XX/XXXX, a student loan of {$1400.00} in XX/XX/XXXX and another student loan of {$3500.00} in XX/XX/XXXX, and a car loan of {$13000.00} in XXXX of XXXX. In which all of those are under Equifax credit bureau. None of those are under my name nor I have control of those accounts. I would like to eliminate all those accounts and the person who is showing up on my credit report, because it is affecting my credit therefore making it hard for me to try to progress. I appreciate the time and look forward into finding a solution regarding my situation.
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Commercial Recovery Systems (GA)

My wife and I were contacted by XXXX XXXX XXXX regarding a fake debt owed to a bank. Upon further investigation, there is no debt owed to the bank. CRS has threaten arrest to my wife and and doing even more investigation, CRS has been BANNED from ever collecting any debts per XXXX. We have also hired an attorney to take FULL, LEGAL ACTION against XXXX XXXX XXXX. This company has used vulgar language to us, impersonating law enforcement officers, as well as court officials. This calls started on XX/XX/XXXX and are also harassing family members.
Consumer complaint received 2018-08-14
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. (TN)

XXXX and XXXX XXXX original debt XXXX. I was never notified of this debt. This debt occurred on an emergency room visit regarding my son. The insurance holder for him is my ex wife through her new husbands policy. They never notified me of this debt and my ex wife was able to get this put under my social because she knows it by heart. I have settled this debt for XXXX and it was supposed to be removed from my report due to the false circumstances and lack of notification on behalf of the original creditor and my ex wife. For some reason it still appears on my report with an open balance of XXXX
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AFTER ACKNOWLEDGING FRAUDULENT ACCOUNT RBFCU WAS ON MY REPORT THEY REINSERTED THE ACCOUNT WITHOUT INFORMING ME OF WHY AND MOST DISGUSTINGLY AND IN VIOLATION OF THE LAW HAVE BLOCKED MY ACCESS TO MY REPORT. I HAVE SENT CMRR 3 TIMES NOW MY SSN ID AND EVEN POLICE REPORT TO ABSOLUTELY NO AVAIL. THE BANK EVEN FOUND THAT THE ACCOUNT WAS FRAUDULENTLY OPENED AS WELL AS THE XXXX OTHER MAJOR CRAS. TRANSUNION CONTEMPT FOR THE RULE OF LAW IS TROUBLESOME AND EACH DAY IT REPORTS I SUFFER IRREPARABLE HARM
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MI)

On XX/XX/2022 there was a Hard Credit Check from Nordstom/TD Bank USA so I called Nordstom to alert them this was fraud and that I did not request this card. They said as of XX/XX/2022 there were no charges on the account, however they would cancel the account and refer this to their fraud department. 

I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022. I also submitted a Police Report through our local county.
Consumer complaint received 2018-08-14
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. (TN)

XXXX XXXX XXXX XXXX original debt XXXX. I was never notified of this debt. This debt occurred on an emergency room visit regarding my son. The insurance holder for him is my ex wife through her new husbands policy. They never notified me of this debt and my ex wife was able to get this put under my social because she knows it by heart. I have settled this debt for XXXX and it was supposed to be removed from my report due to the false circumstances and lack of notification on behalf of the original creditor and my ex wife. For some reason it still appears on my report with an open balance of XXXX
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

ON XX/XX/XXXX I made a Payment to XXXX XXXX in the amount of {$1.00}. ( See attachment. ) At the time my balance was {$520.00} as shown on my credit report. ON XX/XX/XXXX The payment successfully made leaving my personal checking account. ( See attachment. ) That payment was NOT applied to my account as of XX/XX/XXXX more than 1 year later. ( see attachment. ) This demonstrates ANY payments made to this company for this account will NOT be applied to reflect a true and correct account balance and payment status. This a violation of FCRA regulations.
Consumer complaint received 2018-08-14
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. (TN)

XXXX XXXX XXXX has a XXXX account collection reported to my credit report. I was never notified of this debt nor was the debt ever verified before being sold and posted on my credit report as a debt collection. The original creditor is XXXX XXXX and they have been paid directly for this debt.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX has a XXXX account collection reported to my credit report. I was never notified of this debt nor was the debt ever verified before being sold and posted on my credit report as a debt collection. The original creditor is XXXX XXXX and they have been paid directly for this debt.
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Opportunity Financial, LLC (MI)

I received a pre-approval offer for a loan up to {$4000.00} in the mail. I applied for the {$4000.00} loan and was denied. I called a spoke with a manager by the name of XXXX. She was nice to talk to, she listened, empathized and assured a return phone call and/or voicemail. I did not receive that call back. I called back again and spoke with a manager named XXXX. She was not nice. She was very passive-aggressive. I explained to XXXX that her company has violated the law. 15 USC 1691 states that it is unlawful for ANY creditor to discriminate against ANY applicant with respect to ANY credit transaction. Opploans has discriminated against me based completely or partly on a communication from a consumer reporting agency. Pursuant to 15 USC 1681 congress has found that the banking system is dependent upon fairness & accuracy. I have not been afforded fairness by Opploans. I am the consumer & original creditor. I can not be denied an extension of my own credit. The adverse action taken against me has caused me & my family XXXX XXXX. As a result of this XXXX XXXX I am unable to eat tonight.