davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
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. ()

These accounts belong do not belong to me and are on all three credit bureaus XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$130.00} XXXX # XXXX {$900.00} XXXX/XXXX # XXXX {$0.00} XXXX/XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$0.00}
Consumer complaint received 2023-04-06
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. (MD)

On XX/XX/2022 I received an email informing me that my credit score had changed because of an account with XXXX bank. I have never had a XXXX bank account so I went to a local XXXX. They could not help me because they said this was my account. I was in contact with a bank representative in the legal department who said the information was accurate so no changes were made. After months of that I wrote a letter asking for information used to open the account. Finally in the end of XXXX I received a reply by mail ( letter ) saying in other words the account was not mine. Please remove the information about this account from my credit report including a previous address that does not belong to me.
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

I was born in XX/XX/XXXX. XXXX states that I opened up 2 accounts under my SSN. One in XX/XX/XXXX and the other in XX/XX/XXXX. Both of the accounts were clearly opened when I was a minor and not by me. Now there is a balance from one of these accounts that is showing on my credit report in collections and I in the process of trying to get it off. This is currently effecting my job and is costing me money. XXXX states they don't have my BIRTH DATE on file BUT they have my SSN and have the audacity to send an account to collections on my credit without a birth date? How were these accounts opened? How does XXXX legally get away with letting an account be open by a minor. I don't know who opened these accounts but I am more mad at XXXX for letting this happen. I minor shouldn't worry about accounts being opened under their SSN. I couldn't even go to a PG13 movie in XX/XX/XXXX. Why was there a cable account opened?
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CULLEN/FROST BANKERS, INC. (TX)

I originally contacted XXXX XXXX XXXX XXXX for services ( XXXX Tx ) for legal services ( protection order/divorce ) XX/XX/2021. 

Upon agreement of services I was put on a payment plan to be considered eligible for services to begin on my behalf. After second payment, I contacted them letting them know i was no longer interested in services. Due to new transitions and move to new state ( new mexico ) in order to remain protected from my abuser currently residing in XXXX XXXX XXXX, Tx. ) XXXX XXXX XXXX XXXX continued to charge my card for services, causing me to end up in overdraft status and eventually bank account closure with Frost Bank. 

Frost Bank has been trying to contact XXXX XXXX XXXX in reverence to my dispute claims against continuation of unlawful charges against my request. 

Pending dispute is still pending ( over 90 days ) due to non response of XXXX XXXX, XXXX XXXX. I am now required to put my account in a payment plan status so that it wont end up in collections, and affect my credit. 

XXXX XXXX XXXX XXXX Frost Bank XXXX My number XXXX
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IN)

Amazon has refunded several items to gift cards even though I requested that the refunds goto my store card. I was told that this could not be fixed and its a glitch in the system. Why does Amazon have no control over the Amazon store card?

Also, I returned another item today that was missing the item/it came as an empty box. 
It was bought with one of the " gift cards '' from a prior return, they again refused to refund the amount to my Store card. 
What game is Amazon playing? This forces you to buy again from Amazon. 
My intention is to buy very little from them as its often a disaster for a variety of reasons. 
I am very upset that the credits did not go back to my Store card as requested when I returned items. 
You have the option for your credit to go back to the original payment method, that did not happen. 
Its not my problem that Amazon has a glitch.

Also, I am paying interest on prior purchases as the gift card does not pay for interest.

Not okay! And no compensation was offered.

We will pay these items off and goodbye Amazon. We stopped using them for a while, it was a mistake to go back. Its worse than before, and customer service is not kind. 
Half the time I can not understand what they are saying. They need to hire people who speak clear english.
Consumer complaint received 2020-11-18
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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On or about XX/XX/2020, I refinanced an auto loan with USAA in order to get a better interest rate. The original loan was with them also. I received a new loan rate of 9.25. When I looked at the refinance documents, it showed a credit score of XXXX from XXXX. I have an XXXX account and knew that my credit score was XXXX. 

When I contacted USAA to see if they used additional or different scoring from XXXX, they said they did not. They took it directly from XXXX. I checked XXXX XXXX credit reporting, and the score was XXXX. 

Since all payments were on time, and this was the only credit bureau they used ( score is higher for XXXX and XXXX XXXX, I want to know what factored into this score and this interest rate.
Consumer complaint received 2020-09-12
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: Experian Information Solutions Inc. (MD)

XXXX  credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I previously submitted a dispute, but it wasn't properly investigated. They completed my dispute without receiving my Police Report and ID Theft Report. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX  XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : Unknown Amt. Unknown XXXX XXXX XXXX. 
Opened : Unknown Amt. Unknown The following inquiries were also fraudulently opened in my name : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (NC)

REQUEST FOR THE CERTIFICATION OF ACCURACY. Radius Global Solutions has not provided me with any verification or copy of the original contract, proof of identity ; or a legal binding contract. Radius Global Solution HAS FAILED TO GIVE ME ANY LEGAL INFORMATION REGARDING THIS DEBT. I HAVE CALLED AND CALLED AND DIFFERENT CONFLICTING STORIES AND I AM ALSO RECEVING RETURNED CERTIFIED MAIL THAT I AM SENDING THE THIRD-PARTY AGENCY. This fraudulent activity has significantly impacted my credit report and financial standing. They are harassing me and bullying me about an alleged cell phone debt, which no one has any knowledge of and cant prove legally. I need help with this issue. Thanks
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/scrub>3/20 Portofolio Recovery has called my number. Before identifying who I was, they asked is your birthdate MM-DD-YY, and I shared that they just gave out my birthdate without confirming who I was. 

I have asked this company to take me to court and to stop calling me. If I owe them any monies they can proceed with legal action They wish to continue to call and call and call.
Consumer complaint received 2019-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (GA)

Obtain the loan from Avant on XX/XX/XXXX for {$6900.00} with payments being made thru ACH beginning XX/XX/XXXX. I contacted Avant and requested that my due date be change to the XXXX of each month as soon as I received the payment schedule. I asked if there would be a problem and was told no. I paid the off the loan with the final {$270.00} being deducted on XX/XX/XXXX. When I checked on line last week, it showed my balance as XXXX. Then I received an email, showing the XXXX balance but stating to contact them because I still owed additional monies. I called and spoke to an operator who would only give me his first name, XXXX. I explained why I was calling and expressed my concerns about receiving the notice. He explained that when I moved my due date, they charged me {$100.00}. I asked why wasn't that explained to me and was told it's in the contract. I replied, you mean for adjusting my due date for 5 days you charged me and no one pointed that out to me when I made the request? He replied it's in the contract. I was totally upset at that point and let him know that doesn't make any sense and send me something in writing. On XXXX I received an email from Avant Resolutions stating that I now owe {$140.00} and interest will continue to accrue on my unpaid principle balance. Help!
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (MI)

I been with Chime a few years. I transferred money from my XXXX checking account into my chime account my chime account was locked after the transfers which was 2 transfer of XXXX each which totalled XXXX the account was locked with XXXX in it. The money came from a settlement from a work XXXX  which was transferred so I could save some which the judge told me to for additional XXXX  treatment and I also added some for travel. Called to fix the issue which I've been giving the run around and asked to send in all these documents to who knows who vital information I did this for 5 days straight the same information was sent to an email address they provided. No communication from chime the coustmer service representative read from a script you can't talk to any up line they give you the same number which everyone reads the same script and can't tell you anything about the investigation nothing. You are unable to see anything in your account because they disable your account online. This company need to be restructured and policies re written.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

A company that goes by the name of LoanCare LLC out of XXXX XXXX acquired ARM mortgage about 2 years ago. We have our mortgage payment set up online with automatic payments and for the past two years we have not had an issue and we pay early and we pay more than the amount that is due and it has came out of our account and went into their account without a problem for 2 years. Recently we received a letter saying they did not receive our payment so we got online and verified where the money had been taken out of our account and sent just like the 22 previous payments that they did receive and mind you my wife is a manager at the bank where our money comes out of XXXX tract the account that the money had been deposited into. We reached out to LoanCare LLC to try and resolve the issue and they have been less than accommodating and have let us on and not returned our calls or our emails or resolve the issue in this has been going on for over a month meanwhile me and my wife 's credit scores that we're both in the upper seven hundredths have been affected buy dropping over a hundred points do to LoanCare LLC complete incompetence. We have provided them with records showing the money had been taken out just like it always has and provided them with the account number where it went and we have all the records showing who we talk to when we talk to them dates and times in emails and countless hours trying to resolve this issue completely at our expense. This company is an absolute joke and is basically committed credit slander and put us through much stress and heartache and still have not resolved the issue. It is absolutely ridiculous that hard-working responsible Americans the try to take care of themselves financially have to be stifled and setback by a Company that is completely incompetent and could care less.
Consumer complaint received 2021-05-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2021 with a balance of {$13.00} -This is not my account.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

I attempted to hire the company to service my residential garbage disposal needs. However, I was disappointed with their services & cancelled immediately. 

My garbage was picked up one time on Thursday, XXXX XXXX. The next week, my garbage was skipped. The company had told me that they had two pickups per week. However, my garbage sat all week at the end of my driveway. After my garbage sat untouched, I phoned the company. I voiced my disappointment with their service & promptly cancelled. Then, I hired another local garbage service company.
Consumer complaint received 2020-11-18
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. (OH)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2020-02-19
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. (WA)

Experian keeps showing an old XXXX account from XX/XX/2015 with a balance of {$25000.00} which is NOT correct. I have contacted them numerous times about the inaccurate info and they refuse to delete the information even though XXXX  and XXXX immediately complied without any trouble. Experian refuses to provide any written proof the entry is accurate, this is a violation of the FCRA.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.
Consumer complaint received 2023-04-07
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. (AL)

XXXX XXXX Bank XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX Equifax Mortgage Ser XX/XX/XXXX Cap XXXX NA XX/XX/XXXX XXXX Mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX FD/Synergy XXXX Lending XX/XX/XXXX
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX XXXX is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX XXXX  do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (CO)

Trying to file a dispute on a collections account with Experian, their website won't let me file it and their phone center hung up on me multiple times before transferring me to a never-ending hold message.
Consumer complaint received 2019-06-06
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: EQUIFAX, INC. (IN)

Equifax refuses to verify my identity to evaluate my free annual credit report on the incorrect basis of failing security questions. However, the security questions asked by telephone reps were repeated multiple times in broken English expecting different responses to the same question. An untenable result. Two different reps speaking English a second language were unable to differentiate past from present tense making answering the questions satisfactorily impossible. I am now incorrectly locked out of my credit file both online and via telephone.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

I learned in XX/XX/XXXX that I was receiving a monthly charge of {$27.00} to my XXXX credit card ( account ends in XXXX ). The charge was noted as " Experian* Credit Report XXXX CA. '' I contacted XXXX bank in XX/XX/XXXX and disputed the charge. My dispute of the XX/XX/XXXX charge of {$27.00} was resolved in my favor. I learned that Experian had been charging my credit card {$27.00} each month beginning in XX/XX/XXXX. I attempted to dispute all monthly charges. XXXX informed me that I would have to open a Fraud case. 

I can not recall nor do I have any knowledge of enrolling in any product or service from Experian. 

I have attempted to contact Experian multiple times. I called XXXX. I also called XXXX. I also called the toll free number for customer support provided on www.experian.com. Each call is to an IVR that provides no option to speak with a customer serv ice representative ; I have been unable successful in reaching a human at Experian with whom I could speak. 

I attempted to resolve this problem on-line using www.experian.com. I was informed that I am NOT an enrolled member for any Experian services or products. Nonetheless, Experian has charged my XXXX credit card {$27.00} each month beginning in XX/XX/XXXX. 

I was forced to close my XXXX credit card account due to it being charged from Experian each month. The account has been closed. 

I had to
Consumer complaint received 2020-05-06
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.