davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (PA)

On XX/XX/XXXX, 2017 my credit was ran through SageStream, which I have never heard of. Said my score was XXXX? My XXXX score is XXXX and XXXX is in the low XXXX, seems a little strange. So when you call to get a report from SageStream it directs you to their website. Website directs you to call or send a fax to a phone number and include a ssn and other personal information. I called again and tried to speak with someone, pressed one, and got put straight into an automated voicemail. Something is very wrong here. For two credit reporting agencies to be about the same on scores and this one to be so much different and unable to be contacted without faxing in personal information. Something doesnt seem right.
Consumer complaint received 2022-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc. (NJ)

I never had a self account I disputed it also spoke to people N the matter still there its holding me up from getting apartment cause so much bad reporting on my credit
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called trans union and ask about my hard inquiries and some of them where wrong and they would not remove them and was rude to me when I asked them to remove them then they wanted me to send out 6 different letters to them saying something about the creditors have to send them a letter when I should n't have to go through all this trouble to take something off my report that I did n't do and wait 2 months to get it done it 's total bs
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I wrote a check on XX/XX/2021 to payoff my auto loan with XXXX  XXXX XXXX. They hadn't received the check by XX/XX/XXXX. I put a stop payment on the check with Chase ( the week prior ) and called XXXX  XXXX XXXX to payoff the loan on XX/XX/XXXX. XXXX  XXXX XXXX cashed the check ( that had the stopped payment ) on XX/XX/XXXX. Chase failed to stop the payment and XXXX  XXXX XXXX cashed a check after I paid off the entire loan. Now my bank account is overdrawn and Chase is refusing to provide a provisional credit and XXXX  XXXX XXXX is refusing to issue my return my funds ( although I owe them nothing ).
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (CA)

This is a Business alarm company that I never approved, The company now sold to a collection agency, It has it report on my EXPERIAN AND XXXX REPORT AND THIS IS WHAT IT SHOWS, I keep on disputing this incorrect information, and it keeps on coming back to my reports. PLEASE HELP! TO GET THIS RESOLVED AND REMOVED. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXXAccount NameXXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date OpenedXXXX StatusCreditor can not locate individual. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XX/XX/XXXX Monthly Payment {$120.00} Original Balance {$7000.00} Highest Balance {$0.00} Terms60 Months
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

The PNC mobile banking app and website have been unavailable from XX/XX/year> - XX/XX/year> and still unavailable as of the time of this complaint. 

This is a widespread issue as you can find XXXX of complaints and service requests on XXXX, articles being written about the outages and yet PNC has made no effort to inform its customers of the issues. They only acknowledge the issue if you reach out to them and all they say is that they are aware the *some* users can not access the app. They give no assurance that you account is safe. Provide no way to access your account or money. No indication on when they think the problem will be fixed.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

i have been identity theft and have alot of things on my checsytem report that i did not inquire about please remove these accounts and send me how you guys did the investigation to prove accounts are mine
Consumer complaint received 2023-02-08
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. (MI)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information. I think you have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. I need the accounts to be verified in order for me to establish good Credit Scores in my files : 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 2020-05-07
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: Experian Information Solutions Inc. (NJ)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} COLLECTION XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX  {$460.00}
Consumer complaint received 2024-03-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (OH)

Equifax is refusing to remove non verified information from my credit report that they are inaccurately reporting I have asked them to verify the information that they are reporting by sending me a purchase agreement, the original contract with proof of me owing the debt that is allegedly owed but they just keep saying information was verified without actually verifying the information Ive requested this information in writing certified!! And they are now following the fair credit guidelines
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have unsubscribed from all email communications from Transunion 2 times, on or about XX/XX/XXXX and again on XX/XX/XXXX. I continue to receive emails from them pushing their subscription services.
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

When I first found out about the debt, I call the hospital and told them that I did present my medical insurance to the person taking the information along with my id. I was told that the wrong code was used and that they will try again to submit payment. I did not hear anything back until I saw it on my credit. I call the collector and was told that I was responsible for the debt. I sent a copy of my medical insurance proving I have coverage. I am here today because I was directed to contact this agency for addition help.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (LA)

I got a XXXX alert that my credit report has " changed. '' Incidentally, when I signed in, I saw a Hunter Warfield collection. It had raised approximately {$25.00}. I was not aware that it was there. I have never purchased any products or services with this company. ( I have been a victim of identity theft  in the past, so this is likely a product of that unfortunate experience. ) Nevertheless, I observed that the amount they are attempting to collect is in excess of what they say the original balance was by {$1400.00}. ( {$5700.00} and XXXX respectively. ) And the site displays a difference of thirty-five per cent. This creditor ( whomever they are ) is in violation of the Truth In Lending Act because raising the balance they are attempting to collect requires notification of charges to the consumer. {$1400.00} is excessive, even for someone that would have even incurred the original debt. I have received nothing by mail, nor any other collections conduit to have been notified of said " balance increases. '' Furthermore, it is only recently ( the past week ) that I have taken notice of the XXXX dollars. Presumably, this has been going on for several years, perhaps even prior to me even monitoring my credit and has gone unknown and thereby Hunter Warfield Inc., is likely to have been violating my consumer rights the entire time without my knowledge that there was even a collection in my name. I never opened an account with this company, nor have I ever incurred charges with an agency at the mount of {$4200.00}. This is very upsetting and I ask that they do not contact me at this time, rather they may respond via CFPB. A dispute has been issued via XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This company ( ARS ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

In reference to previous complaint number XXXX. Resurgent Capital Services responded to the complaint and attached XXXX XXXX Statements. The statements show that payment where made to this account. However, they did not send me the signed credit application so I can investigate further. However, I give them an idea, please ask XXXX XXXX XXXX to provide a copy of the check or money order or provide me with the payment format used for this account. The payment format will show the address on the check or money order and if the payments were done online, then they have to have a record of the bank account used to apply payments to this account. This is the only way we can discover who opened this account in my name. On the response Resurgent Capital Service sent, they attached a letter in which they also mention that if this account was fraudulent to file a police report or a notarized identity theft affidavit. I went to my local precint to file a report and the officer refused to issue a report for an account opened 9 Years ago unless I provide a signed credit application. Therefore I am attaching a notarized affidavit. Please note I am out of state and have taken this to notarize in the State of Florida since I will be out of state for another week and do n't want this to stay on hold.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc (NH)

In XXXX of XXXX my wife and I were renting an apartment through an on post company while stationed in a military installation for {$990.00}. In XXXX, unbeknownst to me, the company began overcharging me in the amount of {$1400.00} for XXXX months before we noticed what was happening. We notified the office and they gave us XXXX months free ( XXXX and XX/XX/XXXX ) and half a months rent off on the third month, equivalent to the amount that they overcharged us. I was told that they would reinitiate the regular monthly amount of {$990.00} after the third month and the rent would be back to normal. XXXX months after the free months ( XXXX and XXXX ) I was told I had to pay XXXX back rents from the months of XXXX and XXXX because they had neglected to tell me that I had to go back to their office to keep them to do it. I do t recall the total amount due but somehow it was over {$2000.00}. We didn't know we owed this money until we received a collections bill in the mail for it and I went to the office. This debt is still on my credit report and appears as an unpaid debt. I reached out to the company to get confirmation of payment of it but they have not returned my calls, saying that someone will call me back soon. I am a homeless and XXXX veteran with a XXXX wife and we are living in our car. I just found out that this debt is what has been causing most places that we have applied to for apartments or housing to turn us away. I am asking for help to get this removed from my report please. This past winter was very hard for us because our only income is my XXXX benefits of {$1400.00}. I know we paid this and need help so we can finally get a place to live. We have been homeless since XXXX of last year.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid 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: CITIBANK, N.A. (MI)

This complaint is regarding dispute XXXX XXXX  with Citi. 

I purchased a software product XX/XX/XXXX. Upon using it and realizing it was not functioning as described in marketing materials that induced me to make the purchase, I requested a refund from the merchant on XX/XX/XXXX. The merchant refused to provide a refund or address -- much less provide support to mitigate -- the issues I found in the software they provided, prompting me to attempt a chargeback via XXXX. XXXX later denied the chargeback claiming the product did not qualify for buyer protection. 

As a last resort, I disputed the chargeback with Citi, the bank that issued the credit card I had made the purchase with. I opened this dispute on XX/XX/XXXX. On XX/XX/XXXX, I was informed by Citi that the dispute was denied in the merchant 's favor despite the merchant failing to address or provide evidence to refute any of my claims. 

I submitted a signed continuation of dispute letter on XX/XX/XXXX. I have attached all communication with the merchant, the dispute resolution letter Citi sent me, as well as the merchant 's response to my initial dispute claim.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (TX)

This complaint is many of several. I just did this a few weeks ago only for all XXXX  credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that Experian lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXX XXXX XXXX XXXX  SHOULD BE DELETED FROM MY CREDIT FILES XXXX XXXX XXXXXXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

EXPERIAN, XXXX AND XXXX HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES XXXX AND XXXX HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I received a text message from a close friend which who I had spoken to 2-3 hours prior requesting I send her money due to a family emergency. She requested I send her {$450.00} because her card wasnt working and she had to pay a friend named XXXX XXXX XXXX, ( XXXX ). She asked me to send it through Zelle or XXXX. I had sent the money through Zelle and minutes after received a call from my friend saying that her XXXX was hacked and not to send any money because they had just scammed her cousin {$700.00}. My friends phone number is XXXX which the scammer still has access too. I called my bank and they said they werent able to help me because the transaction completed, please advise.
Consumer complaint received 2020-05-07
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. (NJ)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX XXXX   XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$66000.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX XXXX XXXX XXXX {$460.00}
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (UT)

IC Systems reporting several inaccurate & old accounts on my credit report which should have never been placed on there. For one I never got a notice for any of these and they just place them erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance.

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.