davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (IN)

Using this method a company was able to put an outstanding charge on my rental history. This inquiry is incorrect. I have no knowledge of this outstanding fraudulent balanced placed on my rental history report. This company has illegally placed this charge on my credit preventing me from being able to qualify for other rentals. I am in very much need of this matter handled as soon as possible. This has become a burden in my life and urgently need this looked into as soon as possible.
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-18
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. (NY)

XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX  / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX collection account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX  collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off account
Consumer complaint received 2021-12-01
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. (CA)

This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, Experian and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, Experian, XXXX, XXXX XXXX and XXXX regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.
Consumer complaint received 2018-12-18
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. (CO)

I have been disputing information in my credit reports for all three credit reporting agencies. The process is not very helpful for consumers as all the credit bureau does is check with the lending company who is reporting the inaccurate information. Specifically after my divorce ( 2014 ) I had numerous accounts that were settled for less than what was owed. In my status field for all settled accounts Experian is reflecting the highest balance ( for life of account ) as the Charge Off amount which is not accurate and negatively impacts credit scores and decisions by lenders. Repeated contacts to creditors and disputes to Experian result in no change to account status.
Consumer complaint received 2018-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/18, I contacted Transunion in regards to a drop of 130 points from my credit score. The message read that my school loans increased by {$27.00} which could be due to a missed payment. I tried to explain to the CSR that my school loans are in deferment, so that couldn't possibly be the case. I went on to explain to him that that increase was interest accrued. Also, neither one of the other credit bureaus decreased my credit score, and the same thing was reported on the two. The same thing happened in XXXX. I'd like my credit score restored, and all accounts on Transunion to be verified for accuracy. All the open accounts on my credit report are in " good standing '', and I've never missed a payment on either account. There is no reason for such a significant drop of 130 points.
Consumer complaint received 2022-03-06
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. (FL)

In accordance with the Fair Credit reporting act XXXX XXXX  # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-19
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. (AZ)

In accordance with the Fair Credit Reporting act 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 2022-06-19
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. (AL)

n 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 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 2018-12-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (KY)

I was in the process of applying for a forbearance with American Education Services ( AES ). During the application process, my loans went into default before my forbearance went through. Immediately after my loans went into forbearance, I requested that AES repurchase my loans ( within the 30 day grace period ). AES made no attempt to repurchase my loans. Instead, they asked that I fill out another forbearance request, which they then denied since they no longer serviced my loans. I believe that AES made no effort to assist with my financial hardship and instead allowed these loans to go into default without notifying me of my options.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sent letter in to TransUnion stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.
Consumer complaint received 2018-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (AL)

I reviewed my XXXX  credit report that indicated that I owed {$35.00} XXXX Hospital toward a copayment from a XX/XX/2012 hospital visit. This attempt to collect was initiated by XXXX XXXX XXXX approximately six years ago. I've attached an invoice from XXXX Hospital regarding the debt in question which indicated a XXXX balance. Inaddtion I've attached a copy of the credit report that has Midwest Recovery System attempting to collect the same debt. Please see attached.
Consumer complaint received 2020-02-04
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. (CA)

After countless errors for several months blocking me from getting access to " identity works '' with Experian, I was finally able to get into the app. When I try to freeze my credit, it says that it's " unable to retrieve credit lock status ''. So I went directly to experian.com/freeze/center.html and requested to add a security freeze. After providing all of my information, I was informed that they were unable to freeze my credit at this time. They then provided me ads to pay them {$4.00} a month to lock my credit. 

Experian is refusing to comply with allowing me to freeze, and unfreeze, my credit. They are continuing to try and market their " credit lock '' services to solve my problem.
Consumer complaint received 2018-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TN)

XXXX XXXX has been contacted via letter asking for verification of debt. Ive asked on three different occasions to send contract with my signature and copy of my identification. The only reply Ive received is a letter stating they verified the debt with their client. The debt total is {$540.00} and I need to see a bill, the signature from me and copy of my identification from the day of service. This should be apart of their file and proof of my debt validation. Not just a letter stating its been verified.
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, XXXX and Transunion refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, XXXX, Transunion, XXXX XXXX and XXXX regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has program on its website called Overdraft rewind. If a check cannot be paid in nightly processing due to insufficient funds, but a direct deposit is received the following morning by XXXX, they will pay the item and not charge overdraft fee. I work for XXXX and am paid via direct deposit. I met all the program requirements and was charged overdraft fee anyways. They claim the pay  from XXXX is a transfer rather than a direct deposit. It is so misleading and consumer cannot know the difference. Its an electronic pay deposit from employer. The Wells Fargo representative wouldn't reverse the fee and said they she only knew it isn't direct deposit due to coding. This  program is so misleading. I request to file complaint and have my money refunded.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2022 my USAA account was compromised and locked. I received a check for services rendered upon depositing the check it was cleared. A couple days later my account was locked and upon calling USAA i was told that the check was bad and that my account was closed. I had no time to discuss the matter and even after calling i was Told its nothing that can be done. I refuse to be at fault for a bad check that didnt come from me.
Consumer complaint received 2018-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I provided written notice to Portfolio Recovery Associates, LLC initially on XX/XX/XXXX, via certified letter disputing the validity of the debt owed. I further requested that Portfolio Recovery Associates, provide validation of competence evidence bearing my signature. The company signed for that notice on XX/XX/XXXX. Thereafter, I received a summarized statement from PRA alleging that I owed {$5900.00}, on XX/XX/XXXX. 

I responded on XX/XX/XXXX again asking for evidence bearing my signature. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates, again summarizing this alleged debt. The document provided was not from the Original debtor nor did PRA provide any tangible documentation bearing my signature. 

XXXX XXXX dissolved EFFECTIVE XX/XX/XXXX. With this knowledge, I question the veracity of how PRA obtained validation, competent evidence that this debt is in fact legitimate, WITHOUT my signature. 

I verified via XXXX Credit Bureau that Portfolio Recovery Associates, made a dispute statement under my name confirming that they completed an investigation of my dispute and further stated that I disputed this matter. 

I am therefore escalating my complaint requesting assistance to have this debt removed from all three of the credit reporting agencies. 

It is now my belief that Portfolio Recovery Associates, LLC is willfully acting in bad faith given their refusal to provide the requested information. 

Please be advised, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I asked twice for a document bearing my signature to be provided, in addition to proof of how this information was verified without my signature. 

I am therefore requesting that the debt reported by Portfolio Recovery Associates, be removed from my Credit Reports immediately.
Consumer complaint received 2022-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AmOne Corp. (IL)

Today, XX/XX/2022, I was applying for a loan with AmOne on their website. www.amone.com After I entered all my information it took me into the account of a different individual that I do not know. None of my information was connected to this person.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LendingUSA (NJ)

LendingUSA does not allow the option to cancel payments online, and they shut down on Sunday 's and holidays. I was told when I signed up for this loan that I could cancel a payment any day of the week. This is not true. This caused me to get a fee from Lending USA as well as the personal loan company. When I spoke with Lending USA, the reps were rude and not helpful and could not get me the fee credited. They are very unprofessional.
Consumer complaint received 2018-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

I purchased a knife for {$320.00} and sent payment via PayPal under the impression that this would be under purchase protection. I was sent a much cheaper folding knife than I ordered. I communicated with the seller who stopped communicating with me when I told him I had received a much cheaper knife. After disputing the charge with PayPal, the company claimed that the knife was not eligible for purchase protection. This is contrary to their acceptable use policy which fails to explicitly say anything regarding automatic knives. No reasonable reading of the acceptable use policy would lead someone to conclude that their purchase would not be protected due to the broad, inexplicit language used. This means that as long as someone is defrauding by pretending to sell a certain knife via PayPal, they are free to defraud PayPal customers.
Consumer complaint received 2022-03-06
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. (MD)

I viewed my credit report after being alerted that there were inquiries appearing on my credit report that should not be there and are there without my consent and they need to be removed from my credit report. I contacted the companies to get an understanding of whats going on the reps at each company basically told me that I don't have an account with them ( which I already knew that ) and that I need to take this issue up with the Transunion, but every time I call I feel like I get the run around and no one even cares and thats not right. I called three times and all three of the reps were nasty to me and very rude for no reason. Its not right.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Trans Union crediting bureau is giving me a bad credit rating stating that I have delinquent accounts. I do not know what account that I have is delinquent. They are also saying that I have to many open accounts. The accounts that are open do not have a balance or I faithfully make the payments and on time. The other two credit reporting agencies always give me an excellent credit rating. I do not understand why Trans Union keeps giving these incorrect reports.
Consumer complaint received 2018-12-18
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. (FL)

On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing XXXX days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.XXXX XXXX. XXXX. And they are violating XXXX section XXXX and XXXX. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.