davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
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: Bread Financial Holdings, Inc. (AZ)

I opened a predatory Credit Card with XXXX back in XXXX of XXXX. In XXXX of XXXX I fully paid the card off and requested for the card to be closed. 

I spoke with a XXXX XXXX who stated that she will waive the {$9.00} closing fee and close the card. She assured me that the account would be closed and I would not accrue any interest on this account anymore. 

Fast forward to today, I got an alert from XXXX XXXX stating the account is in arear for non payment. I was shocked that there was a balance and that the account was not closed. 

I called and spoke to Multiple Supervisors and they are unwilling to assist me and have been very rude. 

This has affected my credit score and after I made the initial call, they reported me again, I found my account to still be open with a balance that was double the amount and my credit score dipped more. 

This account was fully paid off in XXXX and should have been closed since then. 

You can reference XXXX XXXX at Comenity Bank.
Consumer complaint received 2020-12-02
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: Ability Recovery Services, LLC (LA)

Ive disputed this INNACURATE information they verified it as accurate which it indeed INNACCURATE. THEY CAN NOT PROVIDE ME ANYTHING WITH MY SIGNATURE
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (GA)

Recently, a collection agency named Avante XXXX started reporting two medical collections on my credit report. Both accounts are for {$790.00} each. Prior to these accounts appearing on my credit report, I received no notice from Avante XXXX whatsoever. And I have health insurance, so this just doesn't make sense. Back in XXXX, I wrote a letter to Avante XXXX, and asked for some more information about the accounts so I could cross-reference these bills with my health-care provider. I requested to know who the medical facility was, the date of service that created the bills, and what dates the services were performed. Despite my request for this information well over a month ago, Avante XXXX has not provided to me. However, they continue to report the unverified collection accounts on my credit report.
Consumer complaint received 2021-08-21
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. (TX)

I have been disputing inaccurate information being reported to my credit report and XXXX, XXXX, and XXXX  have failed to properly investigate this account XXXX XXXX as per FCRA guidelines and continue to report false information to my credit report!
Consumer complaint received 2020-12-02
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. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I sent a dispute letter to Experian about unauthorized inquiries made to my credit file. It is now XX/XX/2020 and I have not received any dispute investigation results from this company.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (OH)

I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

SELF FINANCIAL/LEAD XXXX  Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( SELF FINANCIAL/LEAD XXXX  ) Making the report is NOT INCLUDED ON MY Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( SELF FINANCIAL/LEAD BA ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s SELF FINANCIAL/LEAD XXXX  Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
Consumer complaint received 2021-04-12
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)

MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 XXXX XXXX IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS XXXX
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

Parties : 1. XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX at XXXX XXXX, 3. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX Assitant Manager XXXX Subject : Re : XXXX XXXX Dear XXXX - I am extremely disappointed. I am trying to get to the bottom of why there is a collections account filed for me? When I turned in my door keys and mailbox keys to you in XX/XX/XXXX, I asked you whether there was anything else needed. You stated that everything had been finalized and gave me a receipt. You indicated that there was no balance owed and you took my mail forwarding address for any further correspondence. I did not receive any communication from you. However in XX/XX/XXXX, a collection agency called me and said that I had an outstanding balance. I thought that this must be a mistake, so I called your office to find out and I even emailed you as seen below. I have not received any correspondence from you or your office and unfortunately, a collections has been placed on my credit file. 

XXXX, we both know that I do not owe any rent to XXXX XXXX XXXX. I have kept all of my receipts, all of which are signed by your staff as paid. I have pictures after my move that show that there was no damage done to the apartment. So, I can not imagine why my account was sent to collections. I have repeated asked for someone to show me a balance sheet to see where these charges originated. However, I have yet to receive this information. My requests for information are being ignored and yet my credit is being negatively affected. 

From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX Assitant Manager XXXX Subject : Re : Apartment XXXX XXXX - did you send an account to collections for me? I moved out in XX/XX/XXXX and I received a notice from a collection agency that stating that I owe a balance. This is not true. I do not owe a balance and I did not owe a balance when I moved out. I was never notified of any such balance and when I turned in my keys, I was not told of any balance. Since I moved out, no one contacted me letting me know that there was a balance and then out of the blue, I get this notice and the collection agency has been calling me demanding that I pay money that I do not owe. 

I would like to know what is going on? 

Regards.
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

I set up a money transfer with Western Union through my bank ( XXXX XXXX ) and when I went to pick up the transfer the store clerk said he had a strange thing happened, half way through the transaction the process ended. and he did not give me the transfer and I did not sign anything but it shows everywhere the money was picked up. I called Western Union customer service and they gave me a number for the clerk to call which did not work. The W/U MTCN number is XXXX. I gave my bank a message to stop payment but they did not do it. I am out {$760.00} Western Union was no help, the store was no help and my bank was no help. Thank You : XXXX XXXX XXXX
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

XXXX XXXX and XXXX showing wrong address and names and added accounts Addresses XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

My Occupation on my credit reports say XXXX XXXX XXXX and XXXX XXXX '' but that isn't my place of employment. Furthermore, I have two incorrect inquiries on my credit report. XXXX and XXXX. I have already tried once to get this taken care of, I don't want to have to pursue legal action to get fraudulent inquiries removed.
Consumer complaint received 2020-12-02
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. (AZ)

I opened a predatory Credit Card with XXXX back in XXXX of XXXX. In XXXX of XXXX I fully paid the card off and requested for the card to be closed. 

I spoke with a XXXX XXXX who stated that she will waive the {$9.00} closing fee and close the card. She assured me that the account would be closed and I would not accrue any interest on this account anymore. 

Fast forward to today, I got an alert from XXXX XXXX stating the account is in arear for non payment. I was shocked that there was a balance and that the account was not closed. 

I called and spoke to Multiple Supervisors and they are unwilling to assist me and have been very rude. 

This has affected my credit score and after I made the initial call, they reported me again, I found my account to still be open with a balance that was double the amount and my credit score dipped more. 

This account was fully paid off in XXXX and should have been closed since then. 

You can reference XXXX XXXX at XXXX XXXX.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MS)

There were three cards fraudulently opened in my name by my husband at the time with American Express. We are divorced now. I called in XXXX of XXXX and they refused to speak with me since my name wasnt on the cards, even though my social was used. Ive attempted disputing several times with the credit bureaus of which have been denied. I called on XX/XX/XXXX and started a fraud claim, of which they stated his name was on the cards using my social. I called back on XX/XX/XXXX after receiving 3 letters for the accounts stating the claims were denied since they stated I opened the accounts. They refused to send me any documentation each time showing his name on cards opened using my social security number, nor will they remove the accounts from my social or credit. I have explained several times that I did not open these accounts. Ive only had one card with American Express that I have paid off and closed several years ago.
Consumer complaint received 2023-04-04
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. (FL)

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 items, 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. Kindly correct the following items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed with Transunion and XXXX  on several occasions about a creditor I have no affiliation with. XXXX XXXX XXXX XXXX has no legal authority or affiliation with me. I have tried on a number of attempts for them to remove the reporting. They are knowingly hurting my credit standing. They knowingly will not even report any information. I have submitted cancelled checks proving payments. I have provided my court ordered child support documents from the state of Georgia. The Georgia  court orders me to directly pay XXXX, my ex spouse directly. I have complied for over 10 years. 

I respectfully request these credit agencies remove this creditor immediately. It is very sad a Government department can abuse their power and authority and knowingly cause harm to an individual from another state that has absolutely no obligation to work with them. XXXX
Consumer complaint received 2022-02-10
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. (PA)

My name is XXXX XXXX and I submitting this complaint without any influence from from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2021-06-23
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. (GA)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (NV)

I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$370.00} Account No : XXXX Amount Disputed : {$350.00} Account XXXX Amount Disputed : {$73.00} Account No : XXXX Amount Disputed : {$81.00}
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There has been correspondence sent regarding incorrect information being reported on my credit report. It appears as XXXX XXXX XXXX XXXX. 
I received a general response they always tend to send regarding a dispute stating it was verified as valid although the errors are still reflecting the account. I requested a method of verification twice and I did not receive it. The errors that continue to appear clearly indicates that an investigation and/or research was not accurately processed or these errors wouldve been identified.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with WAKEFIELD & ASSOCIATES plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$440.00}
Consumer complaint received 2021-04-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2021, I attempted to transfer funds from my HELOC via the Bank of America 's automated phone system to my checking account. When I pressed the appropriate phone number button, the system gave me a verbal response : " unable to transfer from HELOC ''. It should be noted that I had been able to make payments to and transfer funds from my HELOC using the BOFA phone system. I depend on this system as I'm totally XXXX, and am uncomfortable doing these same tasks online. I then tried via voice commands to do same with same result. I called the HELOC/Mortgage number and spoke with XXXX who, after some difficulty was able to transfer the funds to my checking account. She also generated a case number and said she'd escalate the issue. Additionally, I was unable to make payments to my HELOC, though I'd been able to do so in the past. 

The next day, I went down to the local branch and spoke with the assistant manager, XXXX. She said she'd also look into this matter. A week later, the problem still hadn't been resolved, though I did get an update to that effect from XXXX. As of today, the system 's still broken. I can neither transfer from or make payments to my HELOC via the phone system. I should be able to do this independently as I had been able to do so in the past.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

CCS COLLECTIONS Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$120.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.