davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/XXXX Commonwealth Financial placed 4 medical collection accounts on my credit bureaus- I only found out these were placed by alerts from monitoring services. No attempt to validate was made by Commonwealth Financial.  These same 4 accounts were posted on my credit for the 1st time in XXXX after the XXXX  breach. It took a month or two for them to be removed so imagine my shock when my almost 3 years later these collection account reappear under another name and with new dates that Ive read here is called illegal re aging of accounts in order to extort pay for deletion or payment of fraudulent debt by Commonwealth Financial holding the threat of ruining your life again unless you pay regardless of debt validation. So far my insurance renewal rate increased, loans and credit line increases were denied and just in these few short days have incurred great financial terror via Fico scores tanking nearly 100 points and have only been able to get 2-3 of the 4 Commonwealth collection accounts from the same hospital system removed from XXXX  and XXXX, XXXX refused to investigate- Ive opened a separate complaint for them. Suddenly the accounts now show flagged for collection by Commonwealth Financial and no further validation is required from them so it stays without any chance of disputing the dispute results. When I contacted XXXX at Commonwealth Financial he had no personal information about me and was asking me to give my social security number and other personal information- I said I would verify what he had with no problem but wouldnt just provide. He said I could pay for deletion and a lot of his clients do that regardless of being their debt or not just to clean up their credit and quickly restore their scores with letters that he would email me from them to provide all creditors etc stating it was a mistake and been removed from my credit and risk files. I didnt entertain the offer because I had faith in the system that it would be caught as an illegally re aged, illegal validation to the credit bureaus stating debt was valid, because they were found to be fraudulent in XXXX from these same credit bureaus- sadly its not the case, just a bunch of offers from all 3 bureaus to get credit repair help, speedy disputes, access to legal dispute processes and form letters if I subscribed to their monthly monitoring services ranging from {$19.00} to {$39.00} per month per bureau. As you can see by the attachment even the credit bureaus show date opened unknown and just 4 days ago were reporting XX/XX/XXXX as date placed for collection even though the credit bureaus didnt receive the data until XX/XX/XXXX
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (PA)

Good morning, Im filling this complaint because I believe I was treated wrong by Chrysler capital. I bought a XXXX XXXX XXXX, my credit score wasnt good at the time so my interest rate was very high. The only income I had was my XXXX from social security {$1500.00} a month my financial wasnt good at all. Chrysler capital approved my loan, I got the car with a payment of {$670.00} a month, everything was ok until six months later my wife got diagnosed with XXXX her medication price was high so we have to give up the car so we can afford her medicine, Chrysler took the car back and sold it in an auction and hit me with a balance of {$11000.00} that I can afford. This balance is reporting on my credit as a charge off account. This brought my credit score so low that I cant even rent a appointment for me and my family. I Dispute this so many times with Chrysler and told them my problems, my wife condition but they ignore me and keep reporting this account on my credit and destroying me and my family even more. Please help me and my family to get the this fix with Chrysler capital so they can remove this account from my credit report. By doing this we will be able to but a cheap car so we can go to appointment back and forth and get our financial together.
Consumer complaint received 2020-11-07
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. (FL)

Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1970 Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

DPT EDXXXX {$1500.00} DPT EDXXXX {$3200.00} XXXX  XXXX {$960.00} XXXX {$640.00} XXXX  {$960.00} XXXX  {$800.00} XXXX/XXXX  {$370.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) {$960.00} XXXX XXXX  {$1500.00} XXXX  {$370.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) {$640.00} XXXX XXXX XXXX {$51.00} XXXX XXXX {$140.00} XXXX XXXX {$660.00} XXXX XXXX {$110.00} XXXX  XXXX  {$800.00} XXXX XXXX {$1700.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested for XXXX to remove reported late payments for all XXXX accounts by dispute online and in writing and it has yet to be updated. I have contacted XXXX and they have sent me proof that I havent had any late payments. This is a student loan account which has been on a IDR of {$0.00} since it has been with XXXX and prior to. However, XXXX refuses to update this information and these late payments are effecting my overall payment history.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (OH)

On XXXX XX/XX/2020, I accessed a website for assistance in setting up a XXXX account, XXXX XXXX XXXX. Phone numbers used in setting up the assistance were XXXX and XXXX. I spoke to a man with an XXXX  XXXX accent. He did help me set up the XXXX account, but in the process he took my American Express credit card number and pin to set up the XXXX billing but also had me buy {$500.00} gift cards at XXXX  and XXXX to use in covering charges that he had erroneously placed on my American Express card. I suspected fraud, but since he did help with the XXXX account, against my better judgment, I gave him the gift card numbers and pins. Within a few hours he had emptied both gift card accounts and charged 6 purchases for {$25.00} each at XXXX  on my American Express Card. American Express will not assist as I was stupid enough to give him access to the gift card and XXXX XXXX Card information.
Consumer complaint received 2020-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NJ)

I took out a personal loan in XXXX with One Main Financial and agreed to a {$10000.00} loan at 30 % interest. I had made payments on-time as agreed. This year due to COVID-19, I was furloughed in my role at my job and had my monthly compensation cut by over 40 %. I reached out to One Main Financial to try to modify the loan and have the interest rate cut to reduce my monthly payment amount as I have been struggling to get by this year. I did reach out to all my other creditors and they worked with me to reduce interest rates down to 6 % to 8 % in many cases. 

One Main Financial would not adjust my interest rate at all. Instead they offered to reduce my payment in half for 2 months with no reduction in interest rate that only offered very little short term benefit. They also wouldn't perform any modification as I had to provide my tax return to prove the reduction in income in XXXX as I am self employed. The problem is that I do not file my XXXX taxes until XX/XX/XXXX as I am self employed but I needed help now and One Main Financial would not offer any assistance to me. I have been a customer of One Main Financial for many years and I would have liked to have seen them work with their customers in a larger way in a significant time of need in a pandemic. 

It took me a while but I was able to borrow money from my family to pay off this loan now since One Main Financial is not interested in working with customers in distress and would rather take advantage of customers struggling by not working out a loan modification as the rest of the industry did to help customers in need.
Consumer complaint received 2023-06-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX # XXXX and 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 2019-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

On XX/XX/XXXX at XXXX XXXX, I contacted collection agency IC System Inc., in XXXX XXXX, MN at ( XXXX ) XXXX in reference to a medical collection account for {$55.00} that was not mine, that they had reported to XXXX. I was told by a male representative that the account was in a different department and he immediately transferred me. A female representative rudely answered the phone without giving a name, stating how can I help you. I advised that I was calling about the account that had been on my credit file since 2014 to see if it could be removed. 

After looking up the account the representative accidentally confirmed that the original account was not mine as she was looking it up. The representative then advised that because the person responsible for the account refused to pay it in 2014, I was responsible because she believed it was my spouse. The representative then asked me if I knew the person who the bill belonged to and began asking me to give updated information for the person who the collection account belonged to. I informed to her that I was not affiliated with that account, did not receive service for that bill and was not responsible for it. I requested that ICS Systems remove the account because the representative was aware that it wasn't mine and she sarcastically told me that they don't remove information, only report it and to contact the Credit Bureaus to remove it.
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have submitted a dispute letter based on removal of inaccuracy and invalidated with all of my student loans on XX/XX/2022. I have not received anything back from the XXXX and Equifax regarding the investigation. I have demand for them to remove this from my credit report based on XXXX XXXX CODE XXXX ( XXXX ) Removal of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Code XXXX ( XXXX ) Compliance procedures maximum possible accuracy.
Consumer complaint received 2019-06-27
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. (AZ)

I sent a certified letter on XX/XX/2019 disputing inquiries on my Experian credit report. It has been 3 weeks and still no dispute has been opened regarding the enquiries in 11 days it will have been 30 days since certified letter was mailed.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (NC)

My wife XXXX XXXX XXXX died on XX/XX/2020 of a XXXX XXXX at XXXX Colorado XXXX XXXX. In Colorado, by law, couples are considered responsible separately as far as debts are concerned unless joined by contract. I signed no paperwork on the days of her hospitalization. Since then, no one has reached out to me for payment including the hospital or Drs. 
However, XXXX XXXX XXXX has been hitting me with numerous small bills ( XXXX so far ) totaling {$870.00}. As each has gone unpaid ( my attorney said DO NOT pay unless you are prepared to shoulder all the previous bills ), they have referred the collection to ALPINE CREDIT in XXXX, CO. I have spoken with them on numerous occasions and informed them 'Chapter and Verse ' regarding Colorado law but the said 'they don't care ' and continue ruining my credit. At the time this started my credit was 780, went as low as 550 ( all due to them ) and is slowly back to 680 with almost no debt.

I have reached out to the reporting agencies on numerous occasions but no joy. If there is anything
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21, Bank of America made a business decision after I logged onto my BoFa app. Bofa placed an XXXX code with a deduction of {$880000.00}. I contacted customer service at XXXX ( XXXX ) XXXX, to which they informed that they made a business decision to close down my account. When I inquired as to why they were closing my account, they stated that because I received a one time transfer of {$2600.00} on XX/XX/21 from EDD wire transfer that they flagged my account as fraud. Additionally, they stated that the one time transfer made to my account had be the primary senders account number. There is no policy or any information from Bofa EDD, that states that you cant transfer money to the recipient unless it is your primary account holder. Based on the information listed below as stated on Edd.ca.gov ( see edd.ca.gov one time transfer ). The primary sender has to contact Bofa Edd for a one time transfer and provide them with my account information. Yet, I am being penalized for receiving funds from a extended family member when I have been a bofa customer for the last 12 years. Bofa had access to senders account and still allowed the one time transfer to be transferred to my account, yet I am being penalized. I am an XXXX XXXX worker and Bofa is not allowing me access to my funds to pay bills and states that I will receive a check in 5-10 business days. Please review this matter, as I am an XXXX XXXX and my account should not be closed down based on fraud, just because I received a one time Edd transfer.
Consumer complaint received 2018-06-19
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. (NV)

Today XX/XX/18 I attempted to dispute ownership of credit card online only to be instructed AGAIN to call Experian fraud security. Last week several times representatives were either unable or unwilling to connect me to proper dept. to correct bureau error. 
Under the FCRA I'm afforded the right to dispute by any contact means, including online, which is encouraged as a convenient alternative to phone, which bureau can not process.
Consumer complaint received 2016-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vital Solutions, Inc. (CA)

I strongly suspect that Vital Recovery Services sold my " debt '' after I informed them that no one at my phone number had any overdue debts and that their calls had to stop. Subsequently, XXXX XXXX started years of harassing phone calls to my number.
Consumer complaint received 2022-03-17
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. (NJ)

I checked my credit score on Equifax and it was much lower than my XXXX score because they say I have an account with high usage. However, the reported account is a Bank XXXX XXXX Credit Card which I do not have. I have no knowledge fo this account and never opened it. As of XX/XX/XXXX, the balance of this account is {$16000.00} with a limit of {$25000.00}. According to Equifax, the account was opened in XX/XX/XXXX, however, this is NOT my account. I never opened a Bank XXXX XXXX Credit Card. I filed a dispute on XX/XX/XXXX, but Equifax claims the account is in my name.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Reviewing my credit card at the online site, I noticed that my credit limit decreased from {$3000.00} to {$1500.00}. On XX/XX/2024 I called and spoke with a customer service representative and explained that my credit limit was deceased. I confirmed in the past 12 months, I was late making a payment once, this was in XXXX XXXX, the payment was made on the XXXX day after it was due. I requested to speak with the department that could listen to my complaint ; and honor my request to to appeal. I was told B of A does not have a department like that. I was then told that I would have to dispute the decrease with XXXX ; the credit bureau because they determined that my BofA credit limit should be decreased. I am disputeting this info. After my late payment in XXXX, BofA did a soft credit pull and because of adverse I formation on myveport ; BofA reduced my credit card limit, this is what I believe oppose to the info I was given ; that XXXX reduced my credit limit amount based on adverse info on credit. Then my credit limit was decreased from XXXX to XXXX ; my current balance at the time was XXXX ; so now my credit card utilization is at 90 % ; which is not a fair reflection of my credit report I Iwould like my account reviwed and my credit limit returned back to XXXX.
Consumer complaint received 2023-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I have well over 120 qualifying and employment verified months for my student loans to be forgiven under PLSF. MOHELA has my account and has put me under 2 ninety day reviews even though they have ALL of the correct paperwork verifying my employment as a XXXX  and working at XXXX. My loans also have Senator XXXX XXXX on my account to act as POA since I've had nothing but a mess from XXXX  and now Mohela. Enough is enough. Action needs to take place.
Consumer complaint received 2020-11-07
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: EQUIFAX, INC. (IL)

On XX/XX/2020 i sent in a disputed letter to Equifax and XX/XX/XXXX about an unverified account on my credit report and i have not got a response back in 30 days and they have not removed it or contacted me
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I put XXXX, Trans Union XXXX XXXX on notice that someone had attempted to use my information to obtain different lines of credit. I also filed a FTC report along with a police report. I called into each credit Also on Tuesday XX/XX/XXXX, spoke with different agents about the matter. XXXX and Trans Union both confirm that that they received my complaints and proceed to delete that Hard inquiries from my credit report.Today I checked my XXXX XXXX Account and to my surprised I noticed that they in fact deleted the inquiries but then some how placed them right back on my credit report I have attached screen shots of what I see on my end.Im attaching the list of hard inquiries that do not belong to me to knowledge and after calling the creditors making sure I do not have any open accounts with these companies. 


now Im am contacting your company to have to you promptly fix this matter is low horrible to anyone else that might decide to business with that credit has been ran so much and I can deeply about my credit and the business I do with creditors that I do have. I my credit report reflects that much. 


Heres the list of the inquiries that were added back on I'm assuming by mistake to the computer system. 

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 2019-06-27
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. (OH)

The following unauthorized fraudulent accounts are not mines, My identity has been stolen, black webbed and has caused me alot of unknown Financial damage. Please be so kind and block these unauthorized fraudulent accounts. 

1 ] XXXX XXXX {$4700.00} 2 ] XXXX XXXX XXXX {$560.00} 3 ] XXXX XXXX XXXX XXXX {$310.00} 4 ] XXXX XXXX XXXX {$5200.00} 5 ] XXXX XXXX XXXX {$5000.00}