davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requried to Promptly Delete All information that is inaccurate, incomplete, or which cannont be verified. it is also my understanding that under thr FCRA 15 U, S.C. 5 1681i, every single one even each and any or all the un proven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly neegated in its entirety or the alleged accounts are to be completely deleted. The following derogatory accounts allegation are either untrue, unverfied, incorrect, not mine, not my responsibility, or otherwise NOT PROVEN COMPLAINT to regulatory fedeal reporting laws and or standards and MUST be removed. The following accounts are reporting on XXXX Transunion, 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 XXXX XXXX
Consumer complaint received 2022-02-07
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. (MS)

I have a bunch of inquiries on my credit report that I do not recognize therefore I never gave permission for the inqury. I have contacted all but its still reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX FINANCE ( Finance ) XX/XX/2020 XXXX  XXXX XXXX  FINANCE ( Finance ) XX/XX/2020 XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX  XXXX XXXX ( Bank ) XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX FINANCE ( Finance ) XX/XX/2020 XXXX XXXX XXXX  FINANCE ( Finance ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX ( Bank XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 2020
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (MI)

I had to get a " permanent '' card and now i can not activate t=said card, therefore my balance is in limbo between old card and new card. I have called numerous times without resolution. Netspend is te company.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

I started receiving phone calls from Transworld Systems Inc regarding account XXXX during work hours and after XXXX pm at night. I was told that I had a collection with them regarding a medical debt. I have great insurance and did not understand how I would owe anything plus I have not received anything in the mail telling me that I had been sent to collections. I asked them to verify this debt and was hung up on. At the time I thought it was a scam but wanted to check XXXX XXXX. I saw a new collection. I called them back and explained that I did not think I owed the debt but they talked about suing me so I just paid it as it was under {$300.00}. The representative also told me that it would be removed if I paid but it has not. I have since found out that it is the law they mail a letter and give me 30 days to pay. I did not receive this letter. I have also found out it is the law that they verify the debt and they hung up on me when I asked that. Now I have asked them to remove this item from my report because I was threatened and harrassed and certain laws were not followed. They can't find my account anymore. I have disputed this with the credit bureaus XXXX and XXXX but they have not removed it. The other one is not reporting the account. I would like for this item to be removed because they violated the Fair Debt Collections Practices Act and Fair Credit Reporting Act by filing a collection without mailing me a letter first and refusing to verify the debt and lying to me about it being removed. I see that the CFPB has over 5000 complaints agasint this terrible company and I am hoping you can help me. Also the collection was opened in XX/XX/XXXX but they are reporting the date of last activity XX/XX/XXXX. This is incorrect.
Consumer complaint received 2022-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: LendKey Technologies, Inc. (LA)

On XX/XX/2022, I submitted an application to have my cosigner released from my private student loan. On XX/XX/2022, I received email notification that my application has been received and it can take up to XXXX days to receive a response. I called XX/XX/XXXX and was told I should get a response by XX/XX/XXXX. I did not receive a response on XX/XX/XXXX. I called on XX/XX/XXXX and was initially given the wrong information. I received a call back and was told that no response to my application has been received and I should get something within the next few days. I called on the XXXX and XXXX of XXXX and no response. Today is the XXXX and I have yet to receive a response to my application to have my cosigner released.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (AL)

I was sent a medical bill for {$180.00}. This bill was sent incorrectly to me as it should have been sent to XXXX Municipal Court. I provided all the information necessary so the invoice could be properly addressed yet they continue debt collection attempts via phone and mail. I have spoken to the supervisor XXXX that this is in error and gave a complete explanation. I even informed XXXX I never gave consent nor agreed to be the guarantor of said invoice.
Consumer complaint received 2017-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I HAVE CONTACTED XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF {$120.00}. THEY SOLD THIS ACCOUNT TO XXXX XXXX AND THE ACCOUNT WAS PAID IN FULL. THEY SHOULD NOT REPORT THIS ACCOUNT SINCE THEY SOLD THIS ACCOUNT TO A COLLECTION AGENCY. THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A COSUMER 'S ACCOUNT TO A LATER DATE AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING ACQUISITIONS OR SALES, MERGERS AND OTHER TRANSFERS. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (CT)

Company has called 3 times since XXXX, and I finally picked up today. Company does not identify self. Refuses to state what call is about, only states this is in regards to an " issue at our office '', no other information. Immediately asks for my address, doesn't explain why. Had to search number to identify business, which states they are a debt collector even though they are illegally misrepresenting themselves. I have no debtprobably why they are refusing to identify themselves. Will continue to report this company for illegal practices.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS Last reported XX/XX/2022 {$340.00} Open balance XXXX XXXX Original creditor I have submitted disputes via certified mail requesting validation of the debt on XXXX separate occasions. Attempted calling personally to dispute but was refused to do so as I wouldn't provide them with my personal information ( which I assume they would have if debt was valid ).
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I reached out IC Systems and XXXX XXXX about a debt that I have no knowledge of. After checking my credit report on XX/XX/2021. I seen the account was opened on XX/XX/2021. The amount is of {$710.00}
Consumer complaint received 2019-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I opened an account on XX/XX/XXXX with XXXX/XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/XXXX I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : I'm partially deaf therefore, primarily use email for communications.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2018-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC (CA)

I have received a letter form WINN Law Group dated XX/XX/2017. It stated that the creditor ( XXXX XXXX, XXXX Case Number : XXXX ) referred the debt ( {$6700.00} ) to WINN Law Group for collection. There was an attached showed the Assignment of Judgment from Superior Court of California XXXX XXXX County, District. ( Please see Attached : WLG 1st Letter ) I have wrote a letter to WINN Law Group asked for further verification because I believed that I have no responsibility for this debt and the person under the Judgement was not me. 
WINN Law Group sent me a second letter dated XX/XX/2017 with more evidences such as the debtors social security number, date of birth and address. Obviously, none of these was match my identity. I wrote a second letter to WINN Law Group convincing them that I am not a person responsible for this debt they have a mistaken identity and asked them to remove my name from their record. Please see Attached : WLG 2nd Letter ) Yesterday, I have received a letter from XXXX County of California Clerk-Recorder to inform me that a lien has been claimed by WINN Law Group against my property. Please see Attached : Lien )
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OK)

I have had issues paying my student loans in the past and have worked dilligently for years to ensure I could actually afford my payments. When my payments went up from $ XXXX/mo to $ XXXX/mo- I became unable to make my payments altogether. I applied for XXXX Loan Forgiveness and was indeed granted a {$17000.00} forgiveness on my {$130000.00} of student loan debt ( mostly interest and late fees ). This made my payments GO UP! I called Fedloan in XX/XX/2016 and was told I could change my payment plan which would lower my payments back to around $ XXXX/month- which I feel like I can probably afford. When I got my statement for XX/XX/2016- my payments amount had not changed from {$340.00} like I was told it would. I was also told I would get a month of deferment while switching to the new plan and would have a $ 5 monthly payment for XX/XX/XXXX. This was a lie and I was completely deceived by the people at Fedloan, almost like they wanted me to think I had solved my issues but nothing changed at all! I can not afford the new higher payment and am now in danger of default all because I was deceived and told things that simply were n't true. They have once again destroyed my credit and killed my financial future yet again! I wish I had NEVER taken a single loan out and honestly will begin telling my XXXX in class ( I 'm a XXXX ) that college is a waste of money. My loans are actively ruining my life, if I could declare bankruptcy on these XXXX loans I would! I am completely trapped and helpless in this situation- ALL because I was LIED TO!! Fedloan is perhaps the worst example of what happens when the Government gets into the loan business. Please hold this organization to account for destroying my financial life, time and again!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Bankruptcy XXXX XXXX  XXXX Date Filed XX/XX/ XXXX XXXX
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (FL)

Over a year ago, I had misplaced a credit card ( issued by Continental Finance ). I knew it was in my house somewhere and had not been stolen, but I could not find it. I called Continental Finance to replace the card, explaining there was no fraud, I just needed a new card. They said they would send one in the mail. It never came. I made no less that 5 calls to Continental Finance with the same request. Each time, I was told my card would be sent to me. I never received the card. Each time I called, I was told that there was some kind of security alert on my card, that was causing them to not send my card. I eventually gave up and paid off my card in order to close it. Once I paid the card off, I called to close the account. They apologzed for the previous problems, and told me they closed the account. This happened in the beginning of XXXX. XXXX XXXX I was billed for the {$18.00} account maintenence fee. I called to complain. They never could give me a straight answer, as to why my account was not closed. They have said they have closed my account again and refunded my charge, but I can not take them at their word, because each time I have called, they have claimed to resolve my issues, and have failed to do so each time.
Consumer complaint received 2022-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Abra (CA)

Hi. I'm filing a complaint against ABRA, a crypto exchange company. $ XXXX of my digital assets were stolen from the ABRA exchange. ABRA is not taking responsibility for the gross negligence on their part. My account was initially hacked in XX/XX/2021 and I immediately informed them about it. They failed to protect my account and did not respond to my concerns until nothing was left in my portfolio... zero, zilch, nada! I could not even access my account to withdraw the remaining funds. ABRA kept reiterating that transactions on the blockchain are irreversible. But I informed them of the initial incident when I still had around 90 % of my funds left. If transactions are irreversible, they should have protected or froze my account after I first found out it was hacked. I asked ABRA to secure my account before the hacker took out the remaining funds in my account. They did not protect my account. They ignored my emails. When they finally responded, I was left with ZERO balance in my account. This was an inside job. No 'hacker ' has access to my account - phone, SIM card, Recovery Phrase. I did not have it written online or on my phone. There was no way anyone could have accessed the Recovery Phrase... I am 100 % sure! Also, my phone number hasn't changed. I've had the same number for the last 20 years or so. I've sent them so many emails because ABRA doesn't have in-person/phone customer support and this is such a significant monetary loss. Not only are they non-responsive, but they also blocked access to my own account. To this day, I can't log in to view my portfolio. Last I checked, it had {$0.00} balance - all funds were totally wiped out. That is outrageously horrendous customer service. When they do respond, ABRA is copying and pasting their previous boiler plate response without offering any resolution. Why is ABRA giving me the runaround? I've seen the same highly critical ABRA complaints in the XXXX XXXX XXXX ( XXXX  ) reviews/complaints, App store reviews, etc. I'm available XXXX to answer any question via phoneXXXXemail. Please assist me in retrieving my money back. Thanks. 
P.S. I have written a very detailed timeline, screen shots, and email communication with ABRA ( attached below )
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TX)

As of today 's date, XX/XX/XXXX. I found my XXXX XXXX XXXX credit card limit originally {$500.00} has been reduced to {$100.00} credit limit. My current balance prior to today 's payment of {$35.00} was only {$62.00}. I have been in good standing with comenity bank with my credit card. The only reason I got this card is for XXXX, birthday gifts, etc for my granddaughters. Their birthdays are over the next 2 days, so imagine my surprise when I'm about to make purchases. Comenity banks excuse is a change in my credit report. I received notice today of what is the impression of high usage on this card. I haven't charged on this card since XX/XX/XXXX. They say they received notification of a change in my credit report. I didn't authorize comenity bank to pull my current credit, I hadn't asked for an increase. There was no obvious reason because my account is in good standing to bother my account. There has been a major change today because of what comenity did in the limit decrease. My debt ratio has been negatively impacted with a balance of {$62.00} and now a limit of {$100.00} it makes it look as though I have excessive high usage and lowers my credit score drastically. Also, I had another credit card with Comenity Bank with Wayfair in good standing and it was closed by Comenity bank 5 months ago because Wayfair and Comenity Bank ended their relationship. The Wayfair credit card with a {$500.00} limit was closed with a XXXX balance. The closure negatively impacted and lowered my credit score. There are a major part of my credit change but make up excuses due to their companies business issues. My other credit card with them was not touched but I have used that card more and have a higher balance. This is not good business. If you are going to represent your company has a bank of business and extended credit then you should run business in a legal manner. Don't extend credit then make up a reason to reduce a consumers credit by intimidation if the card is not used up to the credit limit. How much I use, how often I use and when I use is at my discretion and not comenity bank. This a violation of contract and considered predatory actions. Under federal trade, consumer protection and federal credit reporting act. Reporting to the credit reporting agencies a decrease in credit limit is a negative defamation of character, causes harm and damage. It gives the impression I'm not creditworthy or mishandled my account when that is clearly not the case. With the pandemic disaster along with the winter storm disaster here in Texas everything has been behind. The thing to provide happiness on my grandchildrens face and you take that away.