davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

The reporting agency 1 ) did not advise me of the results within the required time frame ; 2 ) provided no proof of validity ; 3 ) ignored my communication regarding fraudulent use of my credit.
Consumer complaint received 2019-10-31
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've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDXXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a Capital One account that had a balance of {$380.00}. I filed the necessary identity theft report with the XXXX and the XXXX XXXX Police Department. I mailed it certified mail to XXXX, XXXX and XXXX on XX/XX/2020. Notification was sent XX/XX/2020 from XXXX that it was removed and blocked, and XX/XX/2020 XXXX advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with Capital One. On XX/XX/2020 I did apply for a Capital One Quick Silver card as a recommendation online from XXXX and was approved. I did provide my information then. XXXX and XXXX also continue to report inquiries on my credit report that have not been authorized by me and were included in my XXXX and police report. I did not have this issue with XXXX 

I have also reached out to Capital One requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.
Consumer complaint received 2019-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (TX)

I received a notifcation on the XXXX of XX/XX/2019. That XXXX XXXX had placed a collections account on my file. I Immediatly called in to XXXX and they stated they would dipsute the data and to please allow them 30 days to respond. I have a police report and ftc complaint as well as an affidavit on file and was concerned that the information was not immediately blocked. I then called Medical Data Systems and spoke to a representative whom from what I gathered tried to obtain on my personal data up front. I listened to him tell me that any information obtained would be used to further collect the debt. Which to me sounds like they just wanted all my contact and personal information. Next, the employee stated he was putting the information in dispute status and would await correspondence from me. in which i sent certified mail. XXXX stated that the social that was on file ended in XXXX and the address was XXXX XXXX XXXX XXXX Ga XXXX neither of which belong to me. They clearly have inaccurate information and should have removed this either accidental or fraudulent account from my profile. The letter I sent them has my information most recent and current information on it as well as the last four digits of my actual social. I have never received phone calls, or mail regarding this account. I would have promptly responded.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted Transunion, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted 609 letter asking for this information to be validated and a letter sent out.
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC (CA)

Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX county unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called XXXX they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

Hello - Back in XX/XX/2020, Banco Popular de Puerto Rico ( or Popular Services ) issued me a rewards MasterCard through XXXX XXXX XXXX  XXXX. 

I transferred a balance from XXXX XXXX to them. 

I never received any monthly statements, calls, emails, etc. My bank has credit alert benefit and alerted me that Banco Popular reported me as not making payments and reported me late. 

I contacted them, immediately brought my account current with them and advised them I did not received any correspondence. I also asked them to correct the late payment notice on my credit, they said to contact you. 

I would just like to have the late notice removed from the report for this bank. I have a feeling you have received many complaints regarding this financial institution. I will be paying my account off fairly soon and closing this account. 

Please assist me or advise how I can remedy this. 

Thank you for time in advance. 

Sincerey, XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AL)

In XXXX or XXXX of this year, I.C. Systems, Inc., attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX, placed a collection with all three CRAs in the amount of {$130.00} under my SSN. I am disputing the validity of this alleged debt. 

Any debts that are alleged to belong to me and associated with acct # XXXX were paid to the original creditor ( e.g., XXXX XXXX XXXX XXXX ) on XXXX. XXXX, XXXX over the phone in the amount of {$140.00} and a return of equipment on XXXX. XXXX. XXXX in person at the XXXX XXXX  store located in XXXX XXXX, TX in consult with the XXXX XXXX store manager resulting in a XXXX balance for acct # XXXX ( see attached reciept ). 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX, another debt collector acting on behalf of XXXX XXXX XXXX XXXX, contacted me via phone and mail alleging a debt of {$610.00} based on services I terminated with XXXX XXXX on XX/XX/XXXX. I successfully disputed this debt allegation with a XXXX XXXX billing receipt dated XX/XX/XXXX indicating a XXXX balance for services and return of equipment under XXXX XXXX ticket # XXXX ( please see attachments for detailed timeline of events ). Now two years later, XXXX XXXX XXXX XXXX is attempting recollection on a debt from me that is not owed and I am having to dispute this allegation once again. This amounts to harassment and clear abuse of consumer rights under FDCPA and FCRA. This erroneous reporting to the CRAs by I.C. Systems, Inc., on behalf of XXXX XXXX XXXX XXXX, has severely impacted my credit rating for which I am contemplating taking legal action.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.
Consumer complaint received 2017-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I applied for a XXXX XXXX with XXXX. I called and fax the company a letter requesting that they do not process my payment which was due on XXXX XXXX. The payment was not processed on this date but instead they processed it today. I am having extreme financial hardship and that I am filing bankruptcy, this was explained to them on my letter I faxed over. When I called them to confirm receipt of my letter I was told they did n't receive it but I had a confirmation on my side ( i have attached proof of confirmation ) stating the fax went through. In my letter I expressed they were no longer authorized to debit my account and cease collection attempts. They failed to cooperate and now I am - {$270.00} over drawn.
Consumer complaint received 2020-04-23
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. (NJ)

On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a XXXX  XXXX account that had a balance of {$380.00}. I filed the necessary identity theft report with the FTC and the XXXX XXXX Police Department. I mailed it certified mail to XXXX, Transunion and XXXX  on XX/XX/2020. Notification was sent XX/XX/2020 from Transunion that it was removed and blocked, and XX/XX/2020 XXXX  advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with XXXX XXXX. On XX/XX/2020 I did apply for a XXXX XXXX XXXX XXXX card as a recommendation online from XXXX and was approved. I did provide my information then. XXXX and Transunion also continue to report inquiries on my credit report that have not been authorized by me and were included in my FTC and police report. I did not have this issue with XXXX. 

I have also reached out to XXXX XXXX requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IA)

I recently moved, and I've changed my address with Chime Bank. I've submitted the requested documents on several occasions, and they continue to re-ask for the same documents. Due to this poor customer service, I've closed the account, and they owe approximately {$300.00} ( money in the account at the time of closing ). Below is a sample of one of their emails to me. 

Thanks, XXXX XXXX XXXX XXXX XXXX, Here XXXX! I do apologize for the hassle. I can assure you that this is not the experience that we want for you. Unfortunately, we are not able to accept it since the documents submitted are not valid bills and are not submitted in the format requested. 

To allow me to proceed to update this information, please submit a clear photo of your proof of address showing the XXXX corners, unfolded, dated in the past 30 days, and under your name. Once you have shared this information, I will be able to proceed. Additionally, if you would like to get personalized support via phone, you can call us at XXXX. Unfortunately, we are not able to complete outbound calls to our members. I do apologize for the hassle. 

I look forward to hearing from you. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.
Consumer complaint received 2021-03-30
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-21
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow  reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

I have attached a police report, FTC Identity theft, and Affidavit.
Consumer complaint received 2020-10-22
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

I was modified in 2014 under the MAKING HOMES AFFORDABLE plan with XXXX XXXX XXXX. I also have a 2nd mortgage with PNC. This is a toxic mortgage that is interest only that I Have paid for 13 years already, never any principal going down. Since I was modified under the government program, MAKING HOMES AFFORDABLE in 2014,  PNC was to offer me a XXXX loan modification. They never offered this to me. I am stuck with this toxic loan. They make excuses that about match lists. I am enclosing a copy of my HAMP modification and I want PNC to offer me a XXXX with the 1 percent interest rate for 5 years and the XXXX bonus for 5 years of good payments. Please help me. I am XXXX and living on a fixed income. XXXX XXXX helped me very much and this lender is not working with clients the way the rules state. Thank you