davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (IL)

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XX/XX/XXXX and XX/XX/2022 ( regular mail ). asking each of them please remove them. 

30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.
Consumer complaint received 2019-03-02
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: Experian Information Solutions Inc. (FL)

Can't log in on web or the app it's charging my account every month And sending me emails but it crashing ever time I try to log in or get disconnected when I call
Consumer complaint received 2023-05-11
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. (WA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (NJ)

I came to know from my monthly credit report that collection agency Franklin Col reported to Credit Bureau against me for collection of XXXX XXXX  XXXX medical debt of {$400.00} which I never received any invoice from XXXX XXXX XXXX and XXXX XXXX. This action of XXXX XXXX hit my credit score very bad. I have already paid this amount through my medical insurance account/ health saving account ( HSA ) which was not updated. I tried to contact XXXX XXXX  XXXX but there is no information available about this company on internet. I asked to Franklin collection to provide me the information about it and they refused to give any information about XXXX XXXX XXXX which i think it is unfair and illegal to damage someone credit score without sending any invoice.
Consumer complaint received 2020-10-07
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. (NY)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2023-01-28
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)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I was listed among the potential list of individuals whose information may have been accessed as part of the security breach at Equifax. I am not a recurring customer of Equifax 's so they presumably had my information from the annual free credit report as mandated by the FTC. It seems extremely irresponsible for a consumer credit monitoring company to have put hundreds of millions of consumers ' sensitive information at risk through negligence in the way they seem to have done.
Consumer complaint received 2017-09-08
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. (KY)

Equifax was hacked XXXX XXXX leaking the personal details of more than 140 million users of which I was included. Equifax waited months before reporting this while executives dumped stock. Equifax is only offering a single year of credit protection servers from a company they own. In order to use this, you sign away your rights to sue them. All of this is wrong.
Consumer complaint received 2017-09-08
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. (CA)

Information was improperly handled by Equifax and as a result, ended up being collected by malicious parties. The option to obtain credit monitoring and restoration services should be available without having to opt out of a class law suit.
Consumer complaint received 2020-05-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from IQ data international inc. I reached out to this institution via phone # XXXX XXXX XXXX XXXX on XX/XX/2020. I spoke with XXXX, ID # XXXX. I advised her I do not have an account with IQ data international inc and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from IQ data international inc. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. I have placed a fraud alert on my social to avoid matters as such in the future.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

" XXXX XXXX, 2017 Equifax Inc. XXXX XXXX : XXXX XXXX today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers .... The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. '' ( https : //www.equifaxsecurity2017.com/ ) I was informed that my account was impacted by this incident via Equifax themselves ( via this link ) : https : //www.equifaxsecurity2017.com/potential-impact/
Consumer complaint received 2021-02-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

To Whom : I have an existing VA loan with Rocket Mortgage. Rocket Mortgage pulled a hard inquiry on my credit report without my consent, and is in process of closing a refinance mortgage without my consent, they have pulled a final payoff on my loan without my consent. I immediately placed a freeze on my credit report on all 3 bureaus. I will be contacting rocket mortgage fraud department in the morning to find out why. I am asking CFPB investigate Rocket Mortgage for illegal activity on my account. Thank you.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

ERC is violating FCRA by willfully and negligently reporting inaccurate information to the credit bureaus despite communications to me promising itd be removed. After sending Enhanced Recovery Company ( ERC ) a request for debt validation, I received a letter back from ERC dated XXXX/XXXX/XXXX stating that they were no longer reporting this debt and that they had sent notice to all XXXX credit bureaus notifying them it should be removed. 30 days later, ERC validated this debt on XXXX/XXXX/XXXX to XXXX and XXXX so my credit report says my most recent late payment was 5 months ago. This appears to be a time-barred cell phone debt from XX/XX/XXXX, BUT the main problem is that ERC sent me a letter saying they were no longer reporting it to the bureaus, but continue to report it. This is negatively impacting my score and is affecting my ability to get HOUSING and an auto loan. I 've made MULTIPLE attempts to dispute.
Consumer complaint received 2017-09-08
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. (PA)

I was made aware of a breach in security of Equifax on Friday, XXXX XXXX XXXX for a breach that occurred on XXXX XXXX XXXX. I used their online tool to determine if I was a potential victim and I was indeed listed as a possible victim of identity theft. The company failed to inform me of the breach when it happened.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (CA)

My account is was frozen after receiving a transfer of XXXX dollars from a linked bank account the bank sent me an email asking for some information that I provided a few days later such bank received my information on a Tuesday but in the meantime I had call to such bank on Monday a day prior to me providing the information asked for the reason why was i not able to use my debit card they didn't have an answer only thing I was told was i can't see any reason but someone will call you within 3 to 5 day with that being said Friday out of the same week 4 days later I reached out to the bank with hopes of having my account reinstated but the only response I get is that my account is still frozen for an unknown reason that I would have to talk to an specific department that was not available at the time then I asked for my account to be closed they said to talk to that specific department to have my account close i said well you guys have deprived me from my money for 8 days now now I demand my account closed I want to cut all laces between me and this bank right this second I don't want to here from this bank anymore I don't consent this bank to use any of my personal information for any reason I don't authorize this bank to call email me for any reason then the associate closed the chat 2 to 3 min later with the excuse that I didn't reply and I have all the transcript from the chat between the bank representative and me
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (SC)

There were issues with my American Express card on XX/XX/XXXX when I tried to make a payment on the card. There were re-occurring deputed charges that kept reappearing on the account since XXXX. The charges would be disputed and credited back to the account then the charges would be added back to the account again by the merchant. When I spoke to a American Express representative on XX/XX/XXXX, he or she said, " They wasn't sure what amount I needed to pay because of the disputed charges were on the account and to call back in a couple of days once the account was adjusted ''. Therefore, I did not make a payment. 

Also, at that time, the representative did not inform me American Express no longer had the deferred payment plan and had a new payment plan for those who were still experiencing hardship due to the Coronavirus CoVid-19 that I could enroll in. 

I also have been affect by the Coronavirus CoVid-19 due to loss of work/unemployment. I should have been told about the new payment plan on XX/XX/XXXX to enroll in it to avoid a negative credit reportings. 

While American Express was straightening out my credit card account with the re-occurring deputed charges, which no payment was made on the account, American Express reported my account 30 days late on my credit file. This could have been avoided if I was told about enrolling in the payment plan program that was offered to those being affected by the virus. 

I have always been in good standing with my American Express card until I kept being charged by a vendor who were located in XXXX and I did not received the items when I should have received them. It took over a month to receive the items because XXXX was being affected by the virus, which the U.S. did not know. I also kept being charged by another vendor ( XXXX ) until American Express put a block on the account from the merchants. 

I asked American Express, " To removed the 30-days late from my credit files ''. I was told, " I needed to contact the credit reporting agencies ''. American Express need to remove the 30-days notice from my credit files had I was told/informed by the representative that American Express no longer had the deferred payment and that they had a new payment program to help those being affected by the virus, the 30 days late on my credit files could have been avoided. 

I was told about the new payment plan after my American Express Card had already reported my American Express Card late to the credit bureaus. 

I already being affected and tremendously impacted by the Virus, my credit does not need to be impacted also when this could have been avoided.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

XXXX deposited a check from a customer, the check was accepted and put into a hold on Monday morning. As per the customer the money was taken from his account that afternoon its now Thursday and it still hasnt been deposited. Not only are they in violation of funds availability portion making the first {$220.00} available but the amount of time they take to process the payment. Since there is only 1 federal reserve and considering it was done electronically makes it a local bank electronic funds transfer should be available in my account no later then Tuesday.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

I have a debt collection in the amount of {$5700.00} from pro collection on my credit for an apartment ( XXXX XXXX  ) I have never lived or leased an apartment for. I have been wrongfully accused. I have filed multiple disputes and filed a police report. I have proof that was provided from the leasing office that I never lived there.
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one is reporting an inaccurate account on my credit report. I sent them a notarized certified letter on XX/XX/22 at XXXX letting them know that they are re

porting inaccurate information on my credit report. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. They are reporting the account as a Collection/Chargeoff it can't be both. its either a collection or charge off. if its a charge off i never received my 1099c for this account. The IRS clearly defines a charg
e off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reportin

g of this account inaccurate! By Definition the IRS Clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is in accurate. 15USC 1681 s-2 says Capital One company are a furnisher of information to consumer reporting age ncy. Capital one is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 U.S code 1681 s-2 ( a ) ( 1 ) ( A
) 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.

The lender must fi

le form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial, credit union , federal government agency, or other applicable entity as discussed in chapter 1 The above paragraph is taken directly from the IRS publication . 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibitio
n ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the ad

dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that are reporting Inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is clear violation of the law 15 US code 1681 s-2 of your re sponsibilities as furnisher of information. CAPITAL ONE SENT ME THIS LETTER BACK SAYING ITS THE CREDIT AGENCIES ARE REPORTING THIS ACCOUNT. NOT TRUE IT'S CAPITAL ONE TELL THEM TO REPORT THIS INACCURATE ACCOUNT TO MY CREDIT REPORT
.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

Lent my friend my extra phone didnt realize I was logged into everything. They added themselves to XXXX XXXX then opened cash app saw my balance and then opened up a XXXX XXXX used XXXXXXXX XXXX to log in and spent all my money to spite me. I got my phone back the next day. Filed a dispute and cash app decided that I authorized the transaction. I did not.
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (IL)

American Express They committed wire fraud, which is a felony. I don't expect anything ever to come of it because nothing ever does and the consumer keeps getting XXXX over. 

In short. I had a small business credit card dating back to the beginning of the ongoing crisis. They promised me if I paid off the card, I would get a new card and all my considerable reward points. 

The problem became clear when I discovered XXXX XXXX is actually outsourced to XXXX XXXX firms who lie and cheat and do whatever they can. Including sending letters under false letterheads. 

In any event, I paid it off, and XXXX is denying everything. They are XXXX XXXX XXXX XXXX. 

Here is the sad part. I know nothing is going to come of it. They act with impunity and the fact that we bailed out these miserable XXXX only further emboldens them.
Consumer complaint received 2017-09-08
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. (NC)

My personal data was compromised in the Equifax hack that was reported in XXXX of 2017. I have n't yet been victim to identity theft, but the release of my financial details makes me susceptible to identity theft for the rest of my life. Equifax should be held accountable for collecting and releasing this personal information without my consent.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

They mishandled my information, which puts me and millions of other people at risk. I also mentioned I am listed as a potential victim according to their XXXX website, and would like a resolution.