davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
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. (NC)

An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.
Consumer complaint received 2019-01-24
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. (NY)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2021-02-18
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. (CA)

I have a Best Buy Visa Card which was due to expire so they mailed me a new card, which was stolen from the mail. Best buy allowed someone to activate the card and make over {$7000.00} of charges on the card before calling me to verify these charges, I got a call and cancelled the card on XX/XX/2021. Since this date the charges have continued and Best Buy actually gave the woman my checking account information and allowed her to make payments on my best buy credit card which ran through my bank account three times at {$4000.00} each payment, I only owed {$900.00} on the card at that time. So my credit card was compromised for {$7000.00} and my bank account was compromised for {$12000.00}. I have done investigations and found who is doing it and have filed police reports. Problem is I told best buy to lock my account and put security measures on there 4 times and they are still discussing my account with this other person. Due to Citi Best Buy they have caused me to have to do a lot of work to try and keep my financial status safe. Best buy won't pull videos from store and won't provide me with the recorded phone conversations on my account. I want the conversations they had with me and the ones they had with this other woman. They have done everything she has asked of them and yet to do what I ask. I called again today and they gave me all my account info again without verifying the added security questions.
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: C/C Financial (OH)

Company : C/C Financial Corp. Merchants Preferred Lease-Purchase Services XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX This company charges 100 % interest!
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Advocates Professional Services, Inc. (UT)

The third party collection agency, Advocates Professional Services, out of NY. They have threatened to take out a suit or judgement on me for attorney fees. Attorneys in my state ( Utah ) are responsible for not running up outlandish bills that are outrageously expensive and expect people to pay, you dont see the bill til after they tell you they did XXXX a month work for you?? How do you fight that?? My parents already helped me pay the attorney XXXX. Then they couldnt help anymore. Im still paying them off for that. Then the attorney billed me close to XXXX in a two-three month period. Im a single mother, stay at home mom. I cant pay that bill. The attorney should have had reasonable fees. Those are not reasonable at all. Another attorney Ive talked to says I could try and get that debt taken down or removed for unreasonable fees. But, I have no money to pay one attorney to go after another. Its been a mess, the third party collection agency keeps threatening me with deadlines to wire them XXXX or XXXX owe XXXX if I dont pay them. I have XXXX resources to do that. They are saying they will put a writ of attachment to my marital assets which are all still tied up with the court. I hired the attorney that Ive paid XXXX and now wants XXXX to just help me with a divorce in 2019. Im still not settled with child custody or separation of assets. He, the attorney, basically got me a protective order again my ex for XXXX. Come to find out the district attorney would have done that for me for free. Of course, he didnt mention that. I explained my situation to the collection guy and he just says he doesnt care about that and he will go after my mom and dad too. My mom was with me when I retained the attorney, my dad has never even been there, and their last voicemail to my mom, was saying they would go after her and my dad. I can send all the emails and screenshots of the voicemails. I just feel very scared and threatened to come up with an amount of money that I dont make in seven years of working! Hopefully I hear from you soon. Thank you so much
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IN)

Account Resolution Services, which I hold no contract nor have I recievedservices reported a collection account against my social security number XXXX XXXX XXXX in the amount of {$690.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failedt to provide adequate proof. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (VA)

I received this prepaid Mastercard as a gift in approximately XXXX and never opened it. I opened it on XX/XX/XXXX and though it has an expiration date of XX/XX/XXXX on the outside cover and the card, the card had a XXXX balance. 

I called the number listed on the card, XXXX, and I was told that the card had a XXXX balance. They referred me to another number XXXX and they told me that they have nothing to do with the account. 

All I know this was a sealed gift card that I opened today and the balance was apparently charged off.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter to Experian on XX/XX/2022. The investigation began on XX/XX/2022 and it's been well over XXXX  days and I still haven't heard anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian has XXXX  days to respond to my dispute. This is a violation of my rights.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2022-05-03
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/19 an account was opened with XXXX XXXX XXXX XXXX that does not in anyway belong to me. The balance {$14000.00}. I have never even heard of this credit union. I have called about this and it seems its registered to an address in XXXX, Georgia. I live in XXXX, Michigan. This is a fraudulent account!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-01-12
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: Bridgecrest Acceptance Corporation (AL)

BRIDGECREST FORMELY XXXX XXXX The last past payment reported on my consumer report with this account is incorrect. 

Ive notified XXXX of this via : certified mail. 

( Attached ) Circling the inaccuracies. They have ignored my dispute changing nothing. 

( Note : this is my 5th dispute ) I have attached my credit report, it shows a last payment of XX/XX/XXXX. That is incorrect. 

In fact, the accounts historical trended data shows a last payment made XX/XX/XXXX ( attached ) How could there be two LAST payments? 

This is reflecting an incorrect month and year the account would remove from my report. 

As the FCRA states I ask that this account is complete, timely and accurate if it is reporting to my consumer report. If not, remove it in completely.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (CO)

On XX/XX/XXXX I suspended my XXXX XXXX account due to an overseas tour in XXXX XXXX ( Military ). Which I have orders to prove tour.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by XXXX digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.
Consumer complaint received 2019-07-17
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. (PA)

Experian continues to allow a charge off or negative account info over a account that is erroneous and factually incorrect, in XXXX I disclosed and sent fraud forms signed and notarized to XXXX XXXX XXXX..over purchases made on my prior credit account with XXXX, I did not purchase the tires and disputed it, they closed account ..then last year reported it as a charge off ... when I never purchased anything personally, nor do they have my signature of it ... Experian continues to list this , even though XXXX XXXX and XXXX have both removed it  ... thus low balling my credit fiche score ... almos 100 points below both above stated, my score is XXXX XXXX XXXX, XXXX XXXX reflectively ... Experian has me at XXXX XXXX Very low for my excellent record ... they also have no customer support, they do not answer phone, and hang up ... after you await transfer ... total scam
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

Ive been a costumer with Citi Bank Credit card XXXX XXXX ending in XXXX for over 10 years. Recently I been targeted and XXXX XXXX. That's comes into play with a XXXX open complaint issue they have circulating that makes me believe I fit that criteria for the actions that have been opposed against me. Which are lowering my credit limit numerous times which triggers a higher interest rate making me closer to my spending limit, Also by not approving and automatically declining numerous times my transaction even after speaking to the fraud department and accepting charges on my personal cellphone. It forced me to close the XXXX Citi Bank credit cards and stop doing business with them and taking further action.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (AZ)

I am reaching out to assist in a matter concerning a loan company. After advising them I was experiencing an extreme financial hardship and death in my family I requested they cease any automatic payments from my account. I received a call from XXXX on XX/XX/XXXX. I again explained I was suffering an extreme financial difficulty due to a loss of income and death of my brother who was murdered on XX/XX/XXXX. I requested a financial hardship program which would allow me to pay back this loan with terms that did not consist of interest only payments. I was advised by XXXX that the only thing they would be able to do is put me at payments of {$20.00} until I can get on my feet however interest would a continue to accrue at a standard rate. I informed him that would not be sufficient as I would just be throwing money away, all while continuing to accrue a high interest balance each month. XXXX then explained he was unable and unwilling to do anything else and that if I did not work out a promise immediately I would be subject to an unauthorized payment being submitted to my bank. This is nothing more than an unacceptable and unauthorized threat which should be investigated. No company should feel its first option for dealing with someone in a hardship is to threaten to take money from my bank account. I am asking that I be contacted by a member of the corporate staff in order to work out an acceptable and reasonable arrangement.
Consumer complaint received 2021-07-22
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: DISCOVER BANK (NY)

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-01-13
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. (AL)

This is my XXXX 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 alleged fraud or extortion. 
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 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 2018-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

This letter is response to your correspondence concerning the above referenced account. I moved from the city of XXXX XX/XX/2011 and the account was closed. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. 

Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. 

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. 

Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233.
Consumer complaint received 2024-03-05
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. (GA)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
Consumer complaint received 2021-07-22
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. (PA)

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 TransUnion was XX/XX/XXXX, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

ACCT NAME : XXXX XXXX ACCT NUMBER : XXXX in accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A., It also states a consumer reporting agency can not furnish a account without my written instructions.