davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
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. (NY)

Thursday XX/XX/2019 I attempted to contact 'XXXX XXXX to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'XXXX XXXX employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'XXXX XXXX, I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'experian ', not surprised, could not log in. 
XXXXI locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies XXXX, experian, XXXX have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3 agencies unreachable through online log in at the same time??
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MA)

I pulled my credit report to find a {$130.00} alleged debt that was owed to a dentist. I have dental insurance. I was never notified that a portion was not covered. When I called the dentist ' I was told that the notice was sent to an old address. Therefore, I never received any notification or right to dispute the debt. They said they transferred the debt to a debt collector. They, too, never sent me anything at the correct address. Had I received proper notification and proof that the insurance company hadn't paid a portion, I would have paid the debt. As they did not follow required debt collection procedures, I would like the collection removed, for violating debt collection practices. Had they done their research, they would have known that they had the incorrect address, as DMV had my correct address.
Consumer complaint received 2021-11-16
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. (OH)

There are multiple inquiries on my credit report with Trans Union i have called mulitple times to have these removed but they Firmly reject my request upon telling them that those inquires are not done by me i dont know where they come from there is no signiture barring my name for those companies to pull my report the inquires as follows. 

XXXX XXXX ( XXXX XXXX ) -XXXX   XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) -XXXX  XXXX  ( XX/XX/ ) -XXXX XXXX (XX/XX/XXXX ) -XXXX  XXXX ( XX/XX/ ) -XXXX XXXX (XX/XX/XXXX ) As requested i would like these removed.
Consumer complaint received 2022-09-26
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. (TX)

My name is 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 2019-06-18
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)

I received a credit alert on my credit report from XXXX XXXX XXXX for an amount of {$1500.00}. They are acting on behalf of XXXX XXXX XXXX. This item is not correct. I used a service at a local care called crimson care over a year ago and was working for a company called XXXX XXXX which I had a XXXX XXXX XXXX XXXX plan from the company at the time of the service. My Health Card was verified at the time services was rendered and confirmed. I paid for the out of pocket at the hospital for the remaining cost at XXXX XXXX. All of a sudden, I got a report on my credit profile of Account collection. I never had a direct dealings with XXXX XXXX XXXX. I consulted my local provider which is XXXX XXXX XXXX Alabama and presented my Health Insurance which was sponsored by my then company I used to work for. I tried to reach out to the company XXXX XXXX Alabama USA and was told company stopped operations in Alabama.This is unfair report.Also tried to dispute this with Experian with a report # XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$55.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$520.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$260.00} XXXX  XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-15
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. (MI)

late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX need to be deleted. payments are not late. see attached communication from XXXX XXXX to remove late payments.
Consumer complaint received 2019-08-03
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: EQUIFAX, INC. (AR)

I made and online dispute with Equifax about medical collections XXXX XXXX  XXXX the dispute resulted in me calling them because I cant log in to the website to check the status. When I am prompted to answer security questions they do not pertain to my credit history at all like my identity is invalid. ( They do not have an explanation for that were sorry for that just call ) Also my disputes are about medical collection verification due to having insurance during some services and dates being wrong. Plus my report just says medical collection, balance owed. And thats it? No information at all. From 5 years ago but dated very recent. I asked XXXX XXXX XXXX the supervisor how they validated the debt and she literally said we dont have any form of proof to send you via mail I asked, how do you not have proof of something that I dispute? She said again sorry I dont have proof. So, I asked well then if you cant prove it then take it off my report. She said, we cant do that if the agency says its valid. How is this a fair practice? They can just say I owe the debt without submitting valid documents? So basically if you dispute something they just asked the agency if its valid and if they say yes, thats all they need? Im glad that isnt how the justice system works! In my opinion medical debt should be excluded from credit history. Its not a ( loan XXXX or XXXX credit ) at all.
Consumer complaint received 2019-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a credit card ( ending in XXXX ) purchase with XXXX XXXX {$2500.00} XXXX on XX/XX/XXXX. On XX/XX/XXXX, Capital One refunded this {$2500.00} per my request. On XX/XX/XXXX, XXXX, refunded the {$2500.00} back to my credit card account. On XX/XX/XXXX, Capital One made a credit adjustment to my account in the amount of - {$2400.00}. As a result, my reward balance reflects - {$30.00}. This is an unfair use of my rewards due to the fact that ( 1 ) I did not redeem my rewards and this has resulted in me ( 2 ) starting at a negative rewards balance. I reached out to Capital One, several times last week to resolve this issue. As of this date, the issue is not resolved. My resolution would be to adjust my reward balance to reflect accurate reward activity versus a negative balance due to the above.
Consumer complaint received 2022-09-26
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-03
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. (MA)

Earlier this year I started receiving credit report information for a person named XXXX XXXX with the last 4 of his SSN being XXXX. The report said that his new address was now being reported as XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 

No XXXX XXXX has ever lived at this address since I built this house in 1997 and have been the only owner since that time. My information is XXXX XXXX XXXX. 

I called the TransUnion number on the report 4 times and was handed off multiple times with offshore representatives and was told it would be corrected. Just this week I received more financial solicitation mail for XXXX XXXX at my home. 

I would like this corrected and TransUnion has been less than helpful and a drain on my time. Why is XXXX XXXX claiming my home address anyway? I would think that TU fraud would have looked into this.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc. (CA)

I have an account that is good-standing with Google Fi XXXX XXXX ). They are denying me credit for an extended payment plan for a new phone. XXXX is the credit agency they check and I do not have a freeze or security hold active. Google Fi Support Inquiry : Case ID [ XXXX ]
Consumer complaint received 2021-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank made unauthorized transfer of {$1500.00} from Saving to Checking that caused my account below {$20000.00}. Then, disqualified me to receive the sign up {$200.00} bonus. When I saw that transaction and the {$15.00} maintenance fee, I send message through the portal. They fixed it by refunded the {$15.00} maintenance fee and assured me that I was still qualified for the {$200.00} bonus on their message dated XX/XX/2020 XXXX attached ). On XX/XX/2020 Saving Statement, there were NONE of the {$1500.00} transfer that recorded ( also attached ). 

Now, through CFPB previous complaint, XXXX XXXX used that unauthorized transfer to disqualify me to receive the {$200.00} bonus. 

On the previous complain with CFPB, TD Bank used the {$19000.00} transfer from Checking to Saving as a reason to disqualify me to get the bonus. They said it was not new money - while the money came from XXXX XXXX for TD Checking and Saving that were opened at the same time ). Finally when they realized it was a weak argument, now they used unauthorized fraudulent transfer. 

Please have TD Bank send proof that the {$1500.00} transfer was really made by the Account Holder. Earlier on, I thought it was just a technical glitch. Unfortunately, it has been used to disqualify me to get the bonus.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I recently checked my credit report and I see 1. XXXX XXXX XXXX XXXX account number XXXX 2. Unknown Account name ( not shown in report ) with no contact information listed on report Account number XXXX Balance XXXX 3. Unknown account name ( not shown in report ) with no contact information listed on report Account number XXXX Balance XXXX These accounts are reporting fraudulent and inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account, and also other documents so that I may review to see if this is actually an account that belongs to me. 

Also I have several unauthorized inquiries in my report that I never gave permission to run my credit. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Consumer complaint received 2023-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (FL)

For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my chronic condition of XXXX which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe ( 1 year ), leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. 

In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the XXXX business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I disputed information that was on my credit report. The negative information that i disputed was deleted from my report and then placed back on my report without notifying me. The information is fraudulent and should not be on my report. It is against the law to place something back on my report without notifying me. These accounts are negatively affecting my credit worthiness and is causing me to be denied for things. The account was removed XX/XX/XXXX and placed back on my report XX/XX/XXXX. Another account is XXXX  XXXX  which is fraudulent and does not belong on my report.
Consumer complaint received 2021-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

See PDF letter and attachment. 

We would like to make a complaint about PNC National Bank wrongfully doing business and missing more than {$6000.00} of principal payments in our HELOC account. As a financial institution, how PNC mishandles customers money is unacceptable. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, we have made a total of {$6500.00} principal-only payments. As of XX/XX/XXXX, our account shows the principal balance is {$140000.00}, which means more than {$6000.00} principal payments have disappeared.
Consumer complaint received 2022-12-03
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. (TN)

I have inquiries on my transUnion credit report that I did not authorize. Starting from XX/XX/2021 till now, which is XXXX XXXX. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested for a car loan in the amount {$17000.00}, which I did not do, They also claimed that I requested it three times in one week. I also noticed that there were two collections on my credit report, in which they were paid. XXXX claimed they removed it from my credit report, but it is still showing on my report. I have attached proof of the letters that I sent out. If you need any other proof, please request it. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NJ)

PNC Bank is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.
Consumer complaint received 2019-06-18
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX