davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint : In accordance to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States U 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 2021-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Collections-I, LLC (AZ)

Account Name : HEALTHCARE COLL I LLC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

So I have already told them my ex-wife will pay it. I understand they are calling for a date but they have called me 4 times today from XXXX and when I addressed the fact that they are harrising me they acted like they could not hear me and hung up. 

They also called me 3 times on XX/XX/XXXX from XXXX 4 times on XX/XX/XXXX rom XXXX This is from Conns home plus. I owe on a washer & Dryer. Now it is not from Conns directly, they clearly have outsourced to XXXX. but They still should not be calling like this. 


I can print screen the calls if needed. Please advise.
Consumer complaint received 2020-12-08
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: CITIBANK, N.A. (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

If I could give PAYPAL A NEGATIVE 0 I would ... I have been a PayPal user for a very long time and have never had any problems with them at all as a buyer. Due to Covid-19 I decided to start selling items on XXXX for extra cash to support my family ( I am a mother of small children ) and everything was going well all up until PayPal decided to limit my account with over {$5000.00} inside. At first it was only a temporary limit ( so they claimed ) until I could provide them with all of the documents they requested which was a picture of my ID and proof of fulfillment to my customers. I provided PayPal with all of these documents and waited a few days for them to reply thinking that everything would be okay just to receive another email asking for more documents such as my Social Security Card and Invoices from my supplier for proof that I am paying for the items that I am selling on XXXX. Shouldn't XXXX be worried about things like this? Anyway I replied to that email as well with a picture of my social security card and the invoices from my supplier and waited a few more days for them to reply back again. This second email from PayPal had me completely ( heart broken and devastated ) FOR NO REASON AT ALL they said my account had been permanently limited and I could no longer due business with PayPal in the future and that they will be holding any available funds in my account for 180 days. This is completely insane and fraudulent, how they are able to continuously do this to people and get away with it. I worked hard everyday to earn that money and they are keeping it away from me for no reason at all. If there were any problems with my account why didn't they inform of this before? The problem only came in once I tried to withdraw the funds from PayPal and add them to my own bank account. I DO NOT CARE TO DO BUSINESS OR HAVE ANY ACCOUNT WITH PAYPAL EVER AGAIN BUT I WOULD LIKE FOR THEM TO RELEASE MY FUNDS. The {$5500.00} that I worked my XXXX off everyday for and earned is what I want because it belongs to me not PayPal and they shouldn't have any rights at all to hold it for 180 days. This is ridiculous I do not and would not ever recommend PayPal services to anyone. I have moved on to another marketplace which I am happy with and XXXX  also allows me to continue to sell. I can not believe PayPal is doing this to hundreds of people and nothing is being done about it.
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc. (NJ)

XXXX XXXX XXXX XXXX Customer Service Center XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX   ACCT # XXXX I had XXXX XXXX LITTLE DEVICES AND MY CAR WAS STOLEN AND THE OTHER REPOSSESSED HOW CAN I RETURN THE DEVICES. I PAID FOR THE XXXX XXXX  tow and Im still being billed. They illegally took money out of my account, illegally. 

Tags can be mailed back to XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX Im physically XXXX, my old tags were XXXX XXXX  PLATES
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the past 6 months I have disputed inquiries, late payments that show for 2 XXXX accounts & XXXX XXXX  as well as XXXX XXXX which shows as a reposession when it was in fact a paid off loan. I have also disputed XXXX collections with XXXX several of which were made by other adults and yet have linked to my credit profile. I have have zero resolve from the credit report agencies as these items remain on my report and are drastically affecting my credit score and affecting my loan approval. Additionally there is a collection with XXXX that has been paid and creditor agreed to delete that is still reporting. Please help
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Filed a complaint with the BBB against Equifax for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB Equifax claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (MN)

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  # XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX # XXXX, has violated my rights.

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 2021-08-12
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)

There is one account on my account and XXXX inquiries on my experian account I have not approved used or signed for these I dont know what these are I need them removed asap!!! 

ACCOUNT XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX Inquiries Creditor Name : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2018-06-14
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: Experian Information Solutions Inc. (FL)

I contact the credit breau XXXX and I told the i was a victim of the inquiry that someone apply for credit in my name I even call the creditor who pull my credit report and they advise me to contact the credit breau the company is XXXX the inquiry date isXX/XX/XXXX
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (HI)

On XX/XX/2020 I tried calling Citibank after spending several hours online trying to research why I had a late payment fee added to my card account. I discovered that I had not received two paper statements in the mail. I rely on paper statements to set up my bill payments thru XXXX  XXXX XXXX 's bill payment system. I have not received paper statements a few times in the last five years, and I have always been able to contact Citibank customer service and request a courtesy fee waiver. Citi has been gracious enough to waive the late fee due to my long customer and on-time payment history. Knowing that during the current Covid 19 pandemic / crisis that Citi 's customer service department would be delayed I tried to pursue online means of contacting Citi : chat, sending a secure message through their system to no avail. None of these online published options were working or available. I searched for a fax # to send my request but could not find a published fax # anywhere, either online or on the paper statements I do you have in my possession. So finally, I called the customer service # XXXX at XXXX XXXX  Hawaiian time and was subsequently put on hold. I figured I could wear my headset, complete my work at home, make dinner, walk the dogs, and do other activities while on hold. I was on hold, with Citi 's music and notifications that kept repeating " the next available customer service representative would attend to my call. '' This never occurred. After two hours or 120 minutes and 32 seconds, my call was cut off by Citibank, with no option to leave a message or have an agent return my phone call. There is literally no way to obtain customer service with this # 4 ranked in assets bank in the US, and # 11 ranked global bank in assets other than writing a letter and mailing it via US postal service., which I will do and mail out tomorrow, XX/XX/2020. 

They are a huge global bank and this is unacceptable, even during a pandemic/crisis. I feel that perhaps some employee and supervisor in a call center somewhere had a bet going on as to how long I would wait on hold before ending the call. They ignored my call and are probably laughing their heads off because of it. Again, unacceptable given the length of time I have been a customer and the size of this bank. 

My complaint has to do with Citi 's inability to provide customer service, by any means. How are their customers to get in touch with them other than by US postal service?
Consumer complaint received 2021-09-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

To whom it may concern back in XXXX XXXX XXXX I applied for a self lender credit card I linked my bank account to the credit card so I may make payments though I am making payments I never received the card yet they are still charging me for the card I made a late payment in it affecting my credit score by XXXX points Ive contacted self on several occasions but I still have not received a new card although I explain to them the situation. This is very concerning to me because I made multiple attempts to solve this issue I told them that I never received the first card they said they would send another one and I still never received that one yet they still are taking payments from me and if I dont make the payments its going to negatively affect my credit score.How can I make a late payment for something that I never received why am I even being penalized for a late payment for a product I never received
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (VA)

Around XX/XX/XXXX I received a credit alert stating that a company by the name of NCB Management Sercives Inc. added a collection to my credit reports alleging I owe them {$1900.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies multiple times and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by NCB Management Sercives Inc. in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IN)

I've had my XXXX XXXX 's account for a long time and been making payments on time with no problem. Starting XX/XX/ 2018 they refuse to let me use my card and said I had to use alternate payment for my online order so I had to use my bank card this happened again on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had available balance but they denied me and I had to use my bank card instead.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners (NC)

This company, XXXX XXXX XXXX, calls me about XXXX times a day leaving messages. After I blocked one number they started calling from a different number. They said if I don't agree to make arrangements to pay they can put a lien on my car or garnish my federal income tax. The lady stated that I owed over {$4000.00}, but I could settle if I immediately sent them {$1200.00}. She wanted me to send her my banking info over the phone. After I wouldn't agree to sending them {$1200.00} she got an attitude with me like she just couldn't believe I wouldn't send them that amount. I know of this debt, but I'm trying go figure out how it got to be over {$4000.00} when initially the debt was a little over {$2000.00}. I have asked them to send me documentation stating who they are and information about the amount of debt I supposedly owe. They have also been contacting my brother who knows nothing about this situation. I thought this was against the law!!! 
I'm also wondering if it is over the statue of limitations to collect this debt because it goes back to XXXX.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX XXXX  XXXX now.
Consumer complaint received 2022-02-02
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: AMERICAN EXPRESS COMPANY (NY)

This is about a previous complaint to the bureau. I was told that I would have to refile, because the AMEX, went back on their resolution promise. That complaint number, is XXXX. This was about a dispute, that was mishandled by AMEX. After telling you, that they had resolved this, they AMEX undid what they did. They took back, Most of the credit given. They gave the merchant, numerous and too many chances, to defend this. As previously stated in the prior complaint, AMEX had to resolve this in 20 days, not 30, because in this case, they are the bank, and the card issuer. After many extensions, disregarding my rights, and not crediting this account, I filed the previous complaint. They credited {$1500.00}. They charged back the {$1500.00}, and issued a credit of {$260.00}. This is a difference, of {$1300.00}. This is not right. They are stating that because the merchant finally responded, with some sort of excuse. The merchant was out of time, and AMEX knew this, but they went ahead and dis-regarded the credit laws, and my rights. Therefore, since AMEX has done this, I want for you to order them to first stand by what they promised you, that they did, meaning credit the full amount, and because they have blatantly disregarded what is right and fair, I want {$10000.00} in monetary compensation paid to me, in addition to the proper crediting of this account. Our ( mine and the primary cardholder ) credit scores, haven been negatively affected by their actions, because the account is over the credit line. I even reached out to the CEO of this company, and he had a corporate associate reach out to me, and all she did was argue the point. She was rude, and argumentative. I have checked and this company has thousands of complaints filed against them, on numerous government websites. It is a disgrace.. Something must be done about them. I am asking for you, the government, to insist on what is right and fair.
Consumer complaint received 2021-04-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent letters to EQUIFAX asking to investigate accounts on XX/XX/2021 and again on XX/XX/2021. XXXX has yet to respond to me in regards to the result of the account represented on my credit report. 

I am sending another letter today with this complaint referenced today XX/XX/2021.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX and XXXX now.