davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

New account was placed on my credit report in XX/XX/XXXX by Commonwealth Financial Services. I noticed the account and sent the company a certified letter on XX/XX/XXXX requesting information about the debt. It was signed for on XX/XX/XXXX. I never received anything from them. On XX/XX/XXXX, I disputed the debt with XXXX   as no knowledge of the debt and it came back as verified on XX/XX/XXXX. On XX/XX/XXXX, the account was closed on my credit report, but still had a balance of {$1700.00} and I filed a complaint with the XXXX  that day. Today, I received an alert that a new collection account would be going on my credit report under the name XXXX. I looked up the account and discovered that it is XXXX XXXX XXXX. I don't even know this debt is for and the company has failed to provide me with any information before or after they placed collection accounts on my credit report.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (AZ)

They won't release our funds and since the XXXX of XXXX the have said that they are aware of the issue but it is now the XXXX. My bill are late now and my insurance got cancelled because the EFT bounced. They are not giving a temporary credit or any other resolution. Customer service just tells you to keep trying.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC (MS)

I called XXXX and asked them what my bill was gave them my card and paid them. A week later I am in collections with a collection company and I dispute it XXXX tells me all i need to pay is XXXX to restore service I have never gotten a bill to justify the debt since they said they would send it and never did. Another week later I hear from another collection agency this time saying that I owe over XXXX and to pay them immediately. I do not have a contract with this company nor do I owe them any money. I am still waiting on a proper bill today I receive a bill this time its in my husbands name and he has not owed nor had an account with XXXXXXXX in YEARS its like they look for names of people and send a bill. My husband does not have a contract with XXXX and if they are doing this to me the consumer they are doing this same foolishness to other customers. One account with different names then one account with three different numbers one account without a signature for the contract they are billing whomever and whatever to make profit off anyone in the household.
Consumer complaint received 2018-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Neon Newco Corporation (FL)

I have direct deposit set up with netspend. My payroll company sent my paycheck to them on XX/XX/XXXX and its now XX/XX/XXXX I have not received a single cent from them. I have mad over 20 calls and sent 5 emails all i get in replay is they are having an issue will be fixed soon. I looked online and they have been doing this to many customers over the last 5 days
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: TD BANK US HOLDING COMPANY (MD)

While I was paying my bill I got laid off from my job. I called the company asking for what I can do to lower payments or what do they do for someone who lost their job. I was told that their wasn't a program available during that time. I call someone else after and they told me that they do have programs available, but the program that was offered I could not do. While I was about the finished the call the person said a really cruel remark to me and hung up.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 I got a email from bluebird prepaid card company starting my money was deposited {$1200.00} so I went on my mobile app and signed in as I was looking at my account my money was leaving fast I called the bluebird prepaid card company and asked them why is my money leaving my account and I don't have a card? I was told that I didn't order one I informed them yes I did on XX/XX/2023 and was told that one would be issued in 5-7 business days on this day as they were talking to me inside of correction the problem my money was still leaving my account now I had {$18.00} and at that time they helped me with a money pick to XXXX for {$15.00} dollars because the company charge {$3.00} dollars fee for that in between time I did a dispute on the matter and in less than 45 days it was denied so I reopened it again and once again it was denied why? Because they claim they did a investigation how and it was less than 45 day time frame. I just sent in the paperwork you asked me to do just Yesterday I faxed it and yes we did receive it but the investigation team denied it so I reopened it again I am just tried of this I couldn't pay my rent are other bills right now I am behind on my rent and other bills because of this I called the the bank that they affiliated with I call XXXX money they are also affiliated with and was told that I should have gotten my money returned back to me and that they can do nothing about it they just affiliated with them I call back ask you the supervisors because of the service are rude okay I'll look it up all the main offices in the XXXX they don't even have a corporate telephone number nothing I'm not getting through with the company XXXX number that's on the back of my card at the time it was the car engine in XXXX you know please somebody help me get my money back cuz I feel as though that I'm very being treated very unfairly concerning is I've been with that company for 6 years and never had this problem and now that I have they don't want to refund my money that's against my constitutional rights
Consumer complaint received 2020-01-31
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 and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-07-05
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-05-04
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX  ACCOUNT XXXX  XXXX  XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

Bill collectors Grant and Weber state that I have an outstanding debt and have filed a report with XXXX causing my XXXX  score to drop XXXX  points. I contacted Grant and Weber and they have no record of my name, social security # or address on file but will not remove the issue.
Consumer complaint received 2020-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (LA)

I contacted Lending Point on XXXX XXXX, XXXX XXXX and XXXX XXXX requesting them to comply with Louisiana law that limits creditor interest rates for XXXX XXXX service members in Louisiana ( LA RS 29:312 ). I provided the portion of the law ( the piece of paper ) that shows the law and requested to have an interest rate reduction and Lending Point denied to comply with Louisiana law.
Consumer complaint received 2018-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (ME)

My husband passed away XX/XX/XXXX and had a mortgage with XXXX XXXX XXXX. I became the executor to his estate and my son XXXX resides in the home. We had trouble paying the debt and got behind. We met with a housing counselor, XXXX XXXX in XX/XX/XXXX. In the process or sending documents to XXXX  XXXX XXXX for a loan modification/assumption, the servicing changed to Fay Servicing. We again with our housing counselor sent another package to the new servicer Fay Servicing in XX/XX/XXXX. We have been sending them everything from the copy of the death certificate, copy of marriage licence, copy of the will, copies of probate, copy of deeds and a third party authorization for our housing counselor. As of today, we still can not get anyone to communicate with us as we only receive copies of bills in the mail. We have been calling them every other week at least and get the same answer, they can not speak to us and they say our account manager is never available.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I have been denied by over 160 rental applications. Experian, XXXX and XXXX  are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : XXXX XXXXXXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I am trying to get into a citizens home. Unable to get accepted due to negative credit report that do not belong to be. Are fraudulent. I have no recollection of any of these open accounts. They are not mine. I have tried to dispute several times and sent out letters and notices and the representative keeps telling me they will be removed yet remain on the credit report. I am a retiree trying to survive and this fraud with my credit is creating a hardship
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

I had a cancellation fee that XXXX had wanted to charge me after I cancelled my cable in 2018. I spoke with the company on XX/XX/2018 and requested that the operator request to the manager that they waive my cancellation fee on the basis of being a long time customer. The operator mentioned they would do so and contact me back. XXXX never did follow up with me, and sold the debt to Diversified Consultants. I have paid it off, however now have a collections account on my credit report that is hurting my ability to access credit in the future, because of XXXX misrepresentation of what actionable steps they would take.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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. (KY)

Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (AZ)

There was a security breach with XXXX on XX/XX/XXXX XXXX XXXX XXXX where customer files were breached. I was one of those customers and my identity was compromised. i recieved a email detailing the incident. Any accounts opened or applied for durring that time period i cant claim responsibilty for XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, PA XXXX. 
XXXX 's XXXX XXXXXXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (CA)

I received a communication from Sunrise Credit Services on XX/XX/2021, a violation of 15 U.S.C. 1692c ( a ), stating that I owe a debt, violation of 15 U.S.C. 1692b ( 2 ). 
Within that communication, Sunrise Credit Services, claimed that I owed an account balance of positive {$260.00}, a violation of 15 U.S.C. 1692e ( 2 ) ( a ). Profane language was used in their communication, violation of U.S.C. 1692d ( 2 ).

Sunrise Credit Services claimed that I have 2 accounts. A Creditor Account and an XXXX Account, a violation of 15 U.S.C. 1681 ( a ) ( 2 ) ( b ).

The communication was a form that claimed that I owe a debt, a violation of 15 U.S.C. 1692j. 
I believe, their claim that I owe a debt, is harmful to my reputation per 15 U.S.C. 1692d ( 2 ).

Sunrise Credit Services used deceptive means to coerce me into paying a debt, a violation of 15 U.S.C. 1692 ( e ) ( 10 ).

This blatant disregard of Federal Law will not be tolerated. I seek {$6000.00} in damages. I WILL NOT SETTLE.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$330.00}