davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Automated Collection Services, Inc. (MO)

I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a XXXX adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a full time college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over XXXX XXXX XXXX!!
Consumer complaint received 2017-09-12
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. (NY)

I have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (OK)

On XX/XX/22 I sent a certified letter to all XXXX credit bureaus about each collection agency listed on my credit report asking for validation of the debt and the method of validation along with my wet signature on the original contract of the said company where I agreed that my information could be sold or given to the credit collection agency. The first time around the only thing I got was a notification that the credit collection agencies met the required FRCA rules and an updated credit report. 

On XX/XX/22 I sent another certified letter to each credit bureau again about the same collection agencies listed asking again for validation of the debt, the method of validation and my wet signature on the original contract. 

None of the disputed accounts have been fully validated and the information I requested has not been presented. I asked that the accounts be deleted if they were not able to verify the accounts properly. This has not been done.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019 my Wells Fargo credit card billing cycle restarts. 

I checked my account on my mobile app, it listed my available credit at {$5.00} I know that when my next billing cycle begins, the interest charges are applied soon after, but they had not been posted on my account yet. 

So, acting in good faith, I make a deposit on XX/XX/2019 and I use the money I deposited to my Wells Fargo checking account to make a {$50.00} payment to the Wells Fargo credit card account mentioned earlier. 

No problem yet, the app accepts the payment and then lists my available credit at {$55.00}. This was all on XX/XX/2019. Interest charges had still not been posted and I thought my account would be protected from going over the limit. 

I wake up this morning, check my credit card account and Wells Fargo has slipped in the interest charges in the amount of {$41.00}. This put my card over the limit and it did not consider my {$50.00} payment made on the same day! 

Keep in mind that on my end I did not see these interest charges posted on my account and I thought I was acting in good faith to prevent this situation. This will hurt my credit score. It also affects my minimum payment because since it listed the interest charges as posting BEFORE that {$50.00} payment I made, it is considering my card as if it went over the limit and I had made the payment afterwards. 

But, you can see on my end that the opposite is what I expected to happen. I made a payment BEFORE the interest had posted. My available credit was listed as higher than the interest charge I just received, yet my account is listed as over-the-limit and demanding payment. 

I contacted Wells Fargo and was passed around ( as usual ) between customer service reps who obfuscated and ever turn and were not very nice or helpful. This is not the first time Wells Fargo customer service has seemed to not only not be interested in helping or working with me, they also make me feel like its always my fault. I feel taken advantage of and Im fed up. 

I do not have a lot of money. For me to act in good faith, make a payment before the interest posted and then have the interest duck under that payment puts me in the situation that I was trying to avoid. To make it worse, I have to waste my time ( potential time which I could be earning money to help pay down this credit card ) and literally FIGHT with customer service to even understand where I am coming from and they have crushed my spirit. Please help, I feel powerless to stop them or get them to work with me. Ive tried.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX ACCOUNT XXXX AND XXXX XXXX ACCOUNT XXXX are improperly reporting on XXXX XXXX and transunion credit bureausXXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX XXXX ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by XXXX and transunion.these debts should not be on any credit file as they are insured and the result of error.
Consumer complaint received 2017-09-11
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. (GA)

AN UNKNOWN 30 DAY LATE IS REPORTING ON MY CREDIT REPORT IN ERROR FOR THE MONTH OF XXXX  2017.
Consumer complaint received 2019-03-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OR)

I applied for the loan forgiveness in XX/XX/2019. I didnt qualify after working 11yrs and not missing a single payment. I then got a bill that they r withdrawing XXXX then I got another bill that they r withdrawing XXXX? I cant afford that.. my income driven amount is XXXX. Im frustrated.. as I cant make that much of a payment and seem to be getting nowhere with this company. I am a current student, a single mom with XXXX kids. I thought they would be helping me not doubling my payment amount. This is completely wrong of this company to not help but increase my payment? Im deactivating my direct deposit as I dont trust this company.. never was told my loan would be transferred from great loans..
Consumer complaint received 2017-09-11
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. (FL)

Equifax breech. Their PR website for checking if you were effected by the data breech returns random results. My SSN is on some black market now because of Equifax, who I never choose to do business with, it 's required cause Banks and credit run the world.
Consumer complaint received 2017-09-12
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. (FL)

FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX GET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2017, total amount : {$200.00}. I booked a air ticket with XXXX air online with wrong date. I called XXXX back with in 3 hours to request to cancel my ticket. They rejected. Then I sought to get help from Bank of America Visa credit card help to dispute the charge. Per Department of transportation 24 hour rule : '' All U.S. and foreign air carriers regarding compliance with the customer service rule that requires carriers to hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty ( the 24-hour reservation requirement ). '' But BOA credit card company visa card customer care rejected me any request in this case.
Consumer complaint received 2017-09-11
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. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. 

I had on-going issues with the company drafted my payments from my checking account instead of my saving account, which enabled me from making online payments. I have called the company several times after noticing returned payments from my checking account. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request Sincerely, XXXX XXXX
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Valentine and Kebartas, Inc. (NY)

The company is Valentine and Kebartas LLC XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX They lied to me and said they had a gift and great news for me and then she said it was illegal not to pay my bills. I explained to them that both my cards were stolen from XXXX XXXX XXXX  and they did not help me resolve the balance and this company said they did not care and threatened to put the account on my credit report although XXXX XXXX has charged the account off. 

If the account is charged off why is this company harassing me and i had nothing to do with them. I am XXXX  and XXXX and on XXXX so can not pay XXXX XXXX back but offered to make payments and not they are saying it is too late because the accounts are charged off. 
XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (FL)

FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXGET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (WA)

Equifax had a leak affecting 140ish million americans. A visit to their website regarding if your info was leaked told me it was probable that my info was leaked.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX, XXXX, I paid my account balance in the full amount of {$1800.00}. On XXXX XXXX, XXXX, Synchrony Bank closed out my account without notifying me, also without my consent. I did not put in a request for my Amazon account to be closed. The only reason I found out the account had been closed was because I check my credit report and it shows the account is currently closed. I requested a reversal of the closed account due to the fact that I did not request the account to be closed, that request was denied and refused.
Consumer complaint received 2017-09-12
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. (MN)

Equifax recently revealed that many accounts have had information stolen from them, and there is no way of knowing which accounts are at risk. This has been happening for about 6 weeks, and Equifax only just released a statement.
Equifax asked users to go on a new website where you could check if your account was at risk. It was quickly revealed that the website gave out random results and was n't at all a useful tool.
I am trying to do everything I can to protect my information. I have never used Equifax ( as I mainly use XXXX ) but since the 3 largest Credit Unions are so interconnected, hackers could still steal my information despite me never giving it to Equifax.
My information is n't their property, even if they believe it is. I have never used their service, and because of their neglect for their customers ( or as they believe, " products '' ) I now have no idea if my personal information ( that I have made a huge effort to protect ) is at risk.
Obviously this is n't just a problem for me, it effected millions. But I just want my voice to be heard because I do n't view myself as a product, and I do n't like the idea of a major company being able to give away information that was n't given to them willingly, and is n't theirs. Thanks.
Consumer complaint received 2017-09-11
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)

On XXXX XXXX, 2017, Equifax reported a breach in their system that exposed personal information on 143 million people in the United States. This information included names, dates of birth, social security numbers, and potentially drivers license and credit card numbers as well. While I understand that Equifax is also a victim in this attack, this is still unacceptable to the highest level. By simply participating in the credit system in the United States, one is forced to take part in working with agencies like Equifax, XXXX, and XXXX. Because of this, there is an inherent level of trust that must be established and this breach shatters whatever trust may have existed. Something must be done to both ensure that companies can not get away with this and that our information is stored in a manner of the utmost security.
Consumer complaint received 2017-09-12
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: LEXISNEXIS (MA)

XXXX XXXX # : XXXX I am an ongoing victim of identity theft and the XXXX Equifax cyber security breach. 

I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX. This letter indicated that I requested service at XXXX, was subject to a credit check and was furnished with a result indicating the need for a deposit to further guarantee service. I have no accounts registered in my name with XXXX and I have not requested new service with XXXX at point in recent time. 

This report was generated from : LexisNexis, XXXX XXXX XXXX ATTN LexisNexis XXXX XXXX XXXX, GA, XXXX ( XXXX ) The actual date of the consumer report was XXXX/XXXX/XXXX. 

The score was impacted by " incomplete information on file and identity elements not fully verified at the time the report was requested ''. This was an unauthorized request, and since verification information was missing, this was an incomplete request using stolen information from my identity.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (NY)

I Contact ( Equifax Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ equifax ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ equifax AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ equifax AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 

-XXXX Auto Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Auto Fi Inquiry from XXXX XXXX, XXXX -XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX S Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX Auto Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have submitted a dispute to the credit bureau requesting an investigation into the item listed as a collection on my credit report. I did not receive any updates or response to my request for method of verification. I have sent a follow up to the company as well as called. I am curious to know if XXXX as well as XXXX has deleted this account due to inaccuracies as well as not being able to verify how can Equifax? The representative I talked to on XX/XX/22 name XXXX ID # XXXX stated it is not Equifax job to tell me what methods were used to verify this information and that it is accurate. I am entitled to know the methods this company used to report information against me.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (CA)

The item was discharged in Bankruptcy Court in 2012.  Now National Credit System is attempting to collect on a discharged account by a Federal Bankruptcy Court Judge. I submitted proof of Bankruptcy Discharged for the item to XXXX and it was removed. Now it is back as a Collection, which is illegal and a fraud. I will complain to the FTC and sue National Credit System for Fraud, Deceit, and Identity Theft. I will also submit a complaint to the California Attorney General for Fraud, Deceit, and Identity Theft. 

National Credit System- REMOVE THE FRAUDULENT COLLECTION ACCOUNT IMMEDIATELY IF YOU DO NOT WANT TO GET SUED/FINED for violating FDCPA and FCRA. National Credit System never sent me any proof of documentation for the alleged item, falsely claiming on a discharged item, and the item has never been properly verified. Section 609.