davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
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: Phoenix Financial Services LLC (TX)

The company Phoenix Financial Services LLC is reporting two collections on my credit report and after submitting several documentation proving that both of the medical balances have either been cleared or on a monthly payment plan arrangement they have not removed the derogatory marks from my report. I have received numerous calls from their company harassing me and even after I blocked their number they use other numbers to contact me. After being harassed by them so many times I decided to change my number which caused me to loose clients and lose money.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-10
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: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : 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 I XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX  XXXX This is my only number XXXX All other telephone numbers are not accurate
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (MD)

I contacted Bay Area Receivables regarding a {$100.00} balance that I supposedly owed. I paid this statement on my patient portal at XXXX XXXX XXXX previously XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX who informed me that I had no balance. Bay Area Receivables is still showing this debt and will not remove it.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 Bank of America closed my checking account due to " fraudulent activity ''. The account had {$12000.00} at the time of closure. And I later received a check for {$2600.00}. Therefore they kept {$10000.00}. This is the total amount of transfers, I had into my checking account from roommates at the time that either owed me money for rent, or needed cash, and didn't have access to their Bank of America EDD prepaid account card. So I kindly allowed them to transfer funds into my account and I then gave them the money the same day. 
But on XX/XX/2021 one of the ex-roommates, XXXX XXXX, transferred {$3300.00} into my checking account " accidentally '' he says, and without my permission. He owed me rent previously and paid it by transfer, so my account information was already in his account. 
This ex-roommate had been recently kicked out of the house for stealing from me, so I wanted nothing to do with him. So as soon as he told me he " accidentally '' transferred {$3300.00} I immediately transferred it right back to him using XXXX in my checking account. And I didn't figure out till later that he called Bank of America right after he transferred and made a fraud claim, claiming he did not initiate the transfer, and that I must have fraudulently gotten access to his account. He did this knowing that I immediately returned the {$3300.00} to him, and was hoping Bank of America would also give him the {$3300.00}, which they did. So he ended up with {$6600.00}, and I ended up out {$10000.00} due to the lack of investigation by Bank of America. Had they done the proper investigating they would have seen that I returned his money and that his fraud claim was nonsense. And since all this I have made fraud claims on all of the transactions at hand. 
Now I realize their policy states you can only transfer from EDD prepaid account into your own account. And would have never allowed the other roommates to transfer money to me. I have copies of my account transactions where you can see the transfers in, and my transfer out or withdraw from ATM to give the roommates access to their cash. I obviously regret allowing this to happen because they ended up keeping {$10000.00} of my hard earned savings, all while claiming it's EDD money, which as you can see isn't the case. 
I am not trying to get something that isn't mine here, I just know that if they would have listened to me or investigated in the slightest, they would have at least returned my {$3300.00}, and at best returned my {$10000.00}. Either way, I can no longer open a bank account now for 3 or 5 years because of this " fraud ''. I really would like this taken off of my credit, or at the least worded differently, because it looks like I am some kind of thief, when it was clearly a misunderstanding on both our parts. Thank you for any and all help with this. I really appreciate it. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-12-10
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. (WA)

Member ID : XXXX I use Experian to monitor my credit ( FICO ) over the weekend of XX/XX/XXXX through XX/XX/XXXX shows a 22 point drop in my score when I have not used my credit, since XXXX of XXXX, when contacted Experian via email only, ( NO ANSWER WHEN CALLED ) their response was ( see below ), None apply to my concern? Confused that it will show past account information but can not explain why it dropped if their business is credit monitoring? 
I looked at another credit monitoring app that I also have and it showed my FICO had not changed? One would expect Experian to give a detailed explanation as to why it dropped 22 points, not just a blanket statement XXXX22 points is quite a huge drop as I am concerned that it may be identity fraud? 

" Valued Customer : '' Thank you for contacting Experian. Since we are not licensed credit advisors, we can not attempt to explain exactly why your score changed. Still, we would like to provide some information you may find helpful. 

Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported Your credit card balances have climbed An account was opened or closed Youve recently applied for new credit An account on your credit report has aged off Credit scores are calculated based on the information in your credit report. Please note that credit scores can vary depending on the scoring model used ( examples : FICO or VantageScore ). Additionally, credit scores can vary based on which credit reporting agency supplied the report. The score is based on your report and creditors are not required to report to all credit bureaus. The three major consumer credit reporting agencies in the U.S. are Experian, XXXX  and XXXX. Experian memberships utilize Experian credit reports and the FICO Score 8 model. 

The primary factors that determine a persons FICO credit score are : 35 % based on payment history 30 % based on amount of credit utilization 15 % based on the length of your credit history 10 % based on hard credit inquiries 10 % based on types of credit ( revolving, installment, etc. ) You may learn more about credit at https : //www.experian.com/blogs/ask-experian/ Sincerely, Your Team at Experian
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

I have a debt showing on my credit report from a utility company that was turned over for collection in XX/XX/XXXX. It says I was a cosigner on an account. I have never cosigned for anyone.

I called the utility company and they looked through their records and the only thing they show is my current account which is the only account I have had in my name since XX/XX/XXXX. 
I have contacted the collection agency twice and they do n't show any accounts with my name or social security number. 
The girl I spoke with yesterday said she cant do anything without the name of the person I cosigned for. Since I did n't cosign for anyone I do n't have a name to give her. 
She said there is nothing they can do so they wont remove this from my credit report.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Check Recovery Bureau, Inc. (TX)

A company by the name of United Check Recovery repeatedly called me. Asking me to verify who I am. However, I declined due to the multiple scams going around from fake companies.

As of today, I have not received any documentation or debt validation or verification.

I have called multiple times to inquire.

I first spoke with a XXXX XXXX which is unprofessional and implied about actions being taken because I called. His number is XXXX. Please check his recording between XXXX XXXX central time.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (OH)

XXXX, as well as as Receivables Performance are reporting the very same account in collections from XXXX. This is a violation of FDCPA/FCRA regulations. Complaints to be filed with both Ohio Attorney General as well as CFPB. 

The double-dipping of reporting has had a significant, negative impact on my CBR.
Consumer complaint received 2020-12-10
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 
Please delete the following accounts : 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 OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX  XXXX  This is my only number XXXX All other telephone numbers are not accurate
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I previously had an account with Capital One ending with XXXX with a credit limit of {$7000.00}. I allowed my grandaughter to use the account while overseas, in XXXX. I allowed her to be an authorized signer. There were charges placed on the account she said she did not make, however she returned from XXXX after becoming stranded and no way for me to fight the charges. 

I agreed to pay Capital One, over a 5ive year period without penalty, and what do the do they penalized me by placing erroneous remarks with the credit bureaus say I was 180 days late on the account, which the most ever was 90 days. I made all payments as agreed and paid 7 % + interest and they stole the mileage credits that could have been applied to the account. 

I paid account off in less then three years, over paying and simply ask them to return the overpayment to my bank account. They still have not returned the funds in any capacity. 

I should be able to charge them late fees and interest for taking money that did not belong to them, destroying my credit on my reports and then fail honoring their agreement. 

I wish deeply their were safeguards for consumers against companies like Capital One as consumers struggle with outrageous interest rates, excessive late fees that should never be allowed and stop these greedy companies from destroying US economies.
Consumer complaint received 2020-06-02
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)

I am filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit information.
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (TX)

On XX/XX/2020 capital accounts contacted me at XXXX XXXX. I spoke to a representative about a debt they were trying to collect that I was unfamiliar with from my primary care physician. I asked the representative if I could pay it online, as I had not had a chance to investigate this claim. She gave me the website, and explained the process of expunging the debt from the credit bureaus. The conversation was polite and informative. The call lasted 3 minutes and 57seconds. 

Today, XX/XX/2020 I received 3 phone calls in less than one hour from Capital Accounts the first at XXXX XXXX, second at XXXX XXXX, and the third at XXXX. The third phone call I stepped away from work to answer and informed them that they have called three times now this morning and I am at work in a hospital and asked that all further communication must be done through mail. The woman who was on the other end of the line when I answered the phone also shouted my name at me. She was very inappropriate. 

I think this repeated calling after I already spoke to a representative is harassment. I work in a community hospital in XXXX TX as a XXXX  XXXX. I'm not sure if Capital Accounts is aware, but we are almost a year into a global viral respiratory pandemic and thousands of people are XXXX a day ... as a XXXX  XXXX my time at work should be committed to my patients, NOT a bill collector.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a credit card with capital one with a limit of XXXX last year in XX/XX/XXXX I made a large payoff of the statement which was XXXX. They processed the payment and I hade 2 reoccurring items on this card 1 being XXXX who placed a hold on my social and the other was XXXX. Well I since I thought I paid the card off I was not getting any of my card statements since I forgot about the 2 reoccurring transactions and I was fine with them since it was n't a large payment each month. 3 weeks ago while checking my credit report I saw that a few of my cards had closed my discover all because of this and the capital one card I am referring to. I spoke with a few people and the first person told me they are unable to do anything and that I responsible for the XXXX charge off. Well they put me collections and tarnished my credit all because I did not receive a statement for XX/XX/XXXX or XX/XX/XXXX and was told they do n't send out correspondence once they get a piece of return mail. so since a statement of mine was returned cause it was delivered to the wrong address the put me collections, messed up my credit that I have worked so hard for with so many disputes of other using my social to destroy my credit. Last night I spoke with XXXX who then told they are unable to do anything since I reoccurring items on my credit card but said they reached out to me though calls and I said yes and every time I would return the call the people on the other end would tell me it all looks fine disregard the calls they seem to be fraudulent, so I did not know that my card and credit were being destroyed by this credit card company. they had no problem taking my XXXX to pay them off, and sending me a collection notice once I found out about this and called but I have yet to see any statements come in the mail and was told they charged me the full interest and fees for the balance of XXXX after it was paid off!
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions