davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (SC)

XX/XX/XXXX I received a statement from XXXX that I owed a debt of {$150.00}. 

Returned a call from XXXX XXXX explained how I paid my final bill in the XXXX XXXX XXXX last monthly payment of XXXX at the store XXXX XXXX, Sc on XX/XX/XXXX statement date XX/XX/XXXX. My daughter was putting me on her family plan. I HAD TO PAY THE ENTIRE BALANCE IN OR TO CLOSE MY ACCT AND TO BE PLACED ON A FAMILY PLAN, WHICH LOWERED MY UPCOMING COST. 

XXXX SAID get a bank statement did, and sent it to a different letter to Her copies of statement and dispute letter .i did. 

XX/XX/XXXX I called at & t see if it was off my bill. They did not see I owed I thought it was done taken care of w dispute letter. 

XXXX/XXXX I got a call saying it was still in collections w now DCI. I sent another note on the XXXX paper and told to send to DCI.com and I did,! along again w statement. 

I have not received an email call or text saying it was received, I chked my XXXX and it is still there that I have NOT tried to take care of it. 

I paid my debt at the XXXX XXXX w bank bank stmt XX/XX/XXXX. I do NOT owe them any more money.all my bills I pay. 

XXXX XXXX Please help me. Thank you. 




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Consumer complaint received 2020-11-11
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. (MI)

On XX/XX/2020 I sent to Experian a packet including information regarding Identity Theft. In that packet was a copy of my identifying information, my FTC Report, a letter explaining the situation and a copy of my credit report with all information circled that was apart of Identity Theft including names, numbers, addresses and accounts. I received notice via email that the packet was received on XXXX XXXX. On XX/XX/2020 I called Experian to touch base with them regarding the status because I have already received a prompted update from the other credit bureaus but not Experian. Upon speaking with a representative on XX/XX/2020 she notified me that they have not received my identity theft packet even though I told her that I sent it certified mail and received notification that it was received by them on XXXX XXXX. So she then opened up a dispute for those accounts and information on XX/XX/2020. I contacted them several times after to get a update but was told no one received or started a investigation like I was told that would, Finally on XX/XX/2020 a Representative called me and was asking me questions to start the investigation that was suppose to start on XX/XX/2020. She requested that I send her a email with the information I sent in my packet and I sent it over to her immediately following our phone conversation on XX/XX/2020. I talked to them again on XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they have still failed to remove the information and accounts that were apart of identity theft. It is now XX/XX/2020 and I begin this process and sent it out to them on XX/XX/2020 and still nothing has been removed from my Experian Credit Report. I used my rights under the FCRA and asked Experian to block that information from my report until their investigation is complete and they have still refused to block the information. I also provided them all identifying information about me along with my FTC Identity Theft Report. According to the Fair Credit Reporting Act Experian had 30 days to complete their investigation and remove or update inaccurate information on my report. They are not complying with the law, I have been ignored and inaccurate false and fraudulent information still remains on my report 77 days later.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I received another declined from Capital One XXXX because my payments is too low. For the past 5 months, I have paid over the minimum amount on the credit card but not in one monthly payment. I have my Online Banking Bill Pay to automatically send XXXX payment each pay period which may be the reason they're saying too low payments. On XX/XX/XXXX, I contacted Capital One customer service to explain they are basing their decision on a single monthly payment when there is several in the same billing period. In addition, I asked why would they increase my XXXX credit limit when the last 4 months before the increase was minimum. They could not answer that question.
Consumer complaint received 2023-04-06
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. (IN)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, I used a credit card that I took out at XXXX XXXX XXXX XXXX to make a payment of {$9900.00} to the XXXX XXXX XXXX company as part of a payment of {$19000.00} that this company charged me for reasons of Real Estate consultancies. Which turned out to be a fraud, this company scammed thousands of people with these advice, they went to a Federal lawsuit in the year XXXX and had all their properties and capital confiscated. We made claims to the XXXX Federal Trade Commission where they told us to make claims or disputes with the banks that we used to pay this company. This is what I did, and the XXXX company did refund my money, but the XXXX XXXX XXXX Bank refused to refund my money arguing that the XXXX company only allows disputes made within a period of 120 days after the transaction, I did my dispute with them since XX/XX/XXXX because we did not know that XXXX would not return the money to us. And now XXXX says it's too late for a dispute. I sent XXXX all the evidence of the case and the reason why the dispute was made up to that date but they continue to say that it is the XXXX company 's fault and that they can't do anything. I feel very frustrated by this situation since credit cards are supposedly insured against this type of fraud. I hope you can help me and spread this case so that it doesn't happen to other people. Thank you
Consumer complaint received 2024-03-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NE)

I had received a {$100.00} Vanilla Visa gift card for XXXX. I tried using the website to verify the balance/activate the card. The website said there was an error and I needed to call. I called Vanilla Visa customer service ( XX/XX/XXXX ) and they were unable to tell me any problems and we opened a case to escalate. Since that date of initial opening they have requested documentation to prove that this card was given to me and I provided them the documentation provided. Each time they extended the resolution date and stated they are still working on the unknown issue. I called on XX/XX/XXXX to get some type of resolution and they stated they are sending out a replacement card and I should keep an eye out in the mail. I received a card in the mail XX/XX/XXXX and I called to activate the card and the card they mailed holds a balance of {$0.00}. They sent me a card with no funds. I called customer service again to find out what is the issue and they said that are escalating the issue and I should possibly hear back from someone in 4-7 business days.
Consumer complaint received 2019-07-28
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: U.S. BANCORP (TX)

U.S. Bank Deal - XX/XX/XXXX My credit was pulled without my permission XXXX XXXX - XX/XX/XXXX My credit was pulled without my permission XXXX XXXX XX/XX/XXXX My credit was pulled without my permission XXXX XXXX, TX XX/XX/XXXX My credit was pulled without my permission XXXX XXXX XX/XX/XXXX Duplicate inquiry XXXX XXXX XX/XX/XXXX Duplicate Inquiry
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

Not enough information to involve me to " debt '' Furnishing False inaccurate information to credit reporting agencies Cease and desist all communication resulting from this alleged debt. I am not requesting any further validation of alleged debt as obtaining nonpublic personal information without my lawful authority has occurred and constitutes as non aggravated identity theft 18 USC 1028A. I have reasonable cause to believe that National Credit Systems Inc. are conspiring to collect unlawfully through fraudulent allowance of my identities use.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Applied for a XXXX XXXX credit card through XXXX Bank. Applied XXXX different times. 
Received letterS stating EQUIFAX has an extended alert on my account and to call them. 
Called Equifax- they state there is no such alert on my account. 
I have called Equifax on XXXX separate occasions over the past month. 
I have spoken to XXXX Bank 2 times. 
I'm stuck in the middle. 
There is no alert. 
My credit is excellent - XXXX. 
Equifax now says to call XXXX and have them call Equifax. 
XXXX says to come into a branch office for some reason. 
I need to be sure that Equifax will not be giving out bad information. 
Feeling frustrated and caught in the middle.
Consumer complaint received 2019-07-28
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. (IL)

XXXX, Equiafax, XXXX Are reporting items that are old that were included in a chapter XXXX bankruptcy some accounts are closed with a XXXX XXXX5 years old.
Consumer complaint received 2019-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (NY)

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) enforced by the Federal Trade Commission ( FTC ) and the New York State Debt Collection Procedures Law Im filing this formal complaint against Progressive Management Systems of California. 

Progressive Management Systems ( PMS ) made no attempt to contact me via mail nor phone to collect a debt from me. Instead they reported a collection account on my credit report and since I have been a victim of several corporate data breachs I receive FREE credit monitoring. I received an alert that a collection account was reported on my credit report. 

I immediately XXXX  the company name in the credit report monitoring alert and wrote them a letter. I went to use my XXXX XXXX card and was extremely embarrassed when the Cashier told me my charge had been declined. I immediately called XXXX XXXX to learn that they had reduced my credit line. Losing {$20000.00} of available business credit has severely impacted the cash flow management of my business because of this error reported by PMS on my personal credit report. Ive had an XXXX XXXX credit card since XXXX and this is how they repay me for 20 years of customer loyalty never missing a payment. Well, when all of this is over XXXX XXXX has lost a loyal customer and I will complain about them on all my social media and close my credit cards with them. 

I am not financially responsible for paying this debt to PMS. XXXX XXXX Hospital was notified of this in XXXX by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX when they sent billing to me and gave my account to XXXX XXXX XXXX to collect the debt. The hospital had what still is my current mailing address. Instead of PMS contacting me via mail and me telling them Im not financially responsible for this debt theyve taken actions that have severe ripple effects on my business financially. Im currently applying for a loan and this account is hurting me. I have the money to pay the debt but I shouldnt be coerced into paying a debt that Im not financially responsible for just so creditors like XXXX XXXX wont reduce my credit lines, or raise my interest rates or my lender deny my current real estate mortgage loan application all because of this error on my credit report. 

Im requesting PMS to remove this false reporting on my credit report immediately so I can stop this financial hardship they have caused me.
Consumer complaint received 2019-07-28
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. (IN)

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by XXXX, Transunion. I discovered 42 Errors on Each report. Which indicates that XXXX broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have  suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters XXXX  via Certified US Mail, inquiring about the loans reported to my TransUnion. They responded XX/XX/2019 Informing me that they have made any mistakes and that if I wanted further investigation I would have to provide more details. XX/XX/2019 I Received two letters from XXXX. One stating they were investigating the validity of my loan and sent me a copy of a promissory I wrote Transunion and XX/XX/XXXX but certified Us Mail With Retuned Receipts note with out my signature. The second letter once again said that have made no error on my report. This debt has been consolidated and should be only now reported by Dep of ed/XX/XX/XXXX XX/XX/XXXX. This account is 4 years past the 7 year mark. I have suffered great damages and injury due to their willful noncompliance.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I attempted to use Experian 's online facility to obtain my credit report. I am prevented from using XXXX web site because I live in XXXX. 

i could not speak to a human about my problem and the web site asked for a XXXX  address. I HAVE NOT lived in the XXXX for the last 15 years. Nowhere did i have the opportunity to enter my XXXX address before I was told that the report would be mailed out. WHERE? To a place where I have not lived in the last 15 years? Is this only for XXXX residents? I AM a native born American with credit in the XXXX to protect! 

I wanted to use the Experian web site because my social security number would not have to travel thorough foreign mail, and avoid long mailing times to/ from Experian XXXX My credit report should NOT be sent to a XXXX address only, especially when I haven't been there in the last 15 years. There is NO provision for me to enter my correct address on the Experian web site. I think Experian doesn't care aboout my correct address - only records in the database which have XXXX states and zip codes.
Consumer complaint received 2019-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I was charged {$34.00} for an overdraft in my checking account, but I had funds in my savings account and overdraft protection linked to my savings that should have covered it. I tried to explain this to the bank but they would not refund the overdraft fee.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On ( insert date ) I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are number of inaacuracies and inquiries on my consumer report that still remain. 

1. I never gave this creditor my written consent to run my credit therefore it is fraudulent and this is violating permissible purpose and needs to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX XXXX Account Number : XXXX 3. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX 4. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (NV)

I have reached out to equifax concerning unauthorized inquires on my credit report. I also reached out to the creditors that has pulled my credit without my authorization and they were not able to give me any information nor did they have anything in there system regarding a credit application. All the inquiries listed below are unauthorized and need to be removed immediately! I take my credit seriously and I do not want to seek legal assistance but if this is not resolved I will be forced to seek legal representation. 

XX/XX/2020 XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX, XX/XX/XXXXXXXX XX/XX/2020 XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX XX/XX/2020 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX
Consumer complaint received 2019-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I started dispute process in XX/XX/2019 with the bureaus, I've sent 2 disputes as of now, and also sent collection company direct notice for " Request for Validation, Not Verification '' on XX/XX/2019, and they still have failed to send all documentation outlined in my request to validate the account. 
All letters in the dispute process and the letter sent directly to the collection company was sent by certified mail, and I will attach the file mailed to them. 

Collection Company : PORTFOLIO RECOVERY ASSOCIATES, LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX