davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield and Associates has a previously written off Ambulance and Emergency room bill dating back to XX/XX/XXXX. When I no longer had medical insurance coverage. I was deemed XXXX shortly afterwards and received MEDICAID and XXXX.

Several companies are trying to collect on the two outstanding amounts. Even though both have been written off and my credit suffers because of this.

XX/XX/XXXX I was again contacted. Corrected again my address of five past years, not the address Wakefield had. But I have no reason to be anything but helpful. I spent over 30 minutes agreeing to 20 % of the total she was requesting. Break it down into 3 payments. Send me the invoice. Fax it. I even shared, I am having XXXX tomorrow ( true story )! And I dont want to leave things to my family to worry about. Several days after XXXX. I was contacted. Just like we never spoke. Old address still being referenced. I maybe poor at this juncture in my life. But I am not XXXX. I am recovering from XXXX. Looking at XXXX and XXXX. My problem. Yes. Wakefield and associates. No. I cant believe how people can get away with this game.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one charged me {$120.00} in interests AFTER i paid my statement balance in full. They claimed their policy is that I have to pay the statement in FULL two months in row to avoid interest being charged. I have paid over {$1000.00} in interest in 2021. They are deceptive. I am not paying the fee and I want it waived. A supervisor " XXXX '' basically told me to read the back of my statement... .well, my statement is email to me and there to no back.
Consumer complaint received 2018-03-19
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. (WI)

this started in 2001 and was reported as identity fraud and i had a new social secuerity card. ive been trying for years to get this debt removed from my credit report. 
this is not mine.
Consumer complaint received 2021-05-22
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. (TX)

I began my dispute process with TransUnion on XX/XX/2021, after noticing several incorrect items on my consumer report. I sent a letter to TransUnion, and received a response dated XX/XX/2021, where some items were updated, and others were not. In accordance with my consumer rights under the Fair Credit Reporting Act, I sent a response to TransUnion dated XX/XX/2021 requesting the information the agency used to verify the items in question as accurate. I have a USPS certified return receipt, which shows a representative of the agency received my letter on XX/XX/2021. It has been over a month and I have yet to receive any response from TransUnion regarding the results of their investigation. TransUnion 's negligence to this matter has caused serious harm, as I have been denied new accounts because of items that TransUnion should have handled much sooner.
Consumer complaint received 2018-03-19
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: Experian Information Solutions Inc. (NJ)

This is my fifth dispute with Experian with XXXX account : XXXX On XX/XX/XXXX Experian sent me credit report number XXXX Experian States on the XXXX Account Date opened : XX/XX/XXXX/ First reported XX/XX/XXXX, / Terms 1 month, / High Balance ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment : Account paid In Full for Less than full balance. This item was updated from our processing of your dispute In XX/XX/XXXXDate of status XX/XX/XXXX.

Now lets get to my Facts, First, I want Proof that I made any such payment. I want to see a cashed check, Or any method of such payment you claim I made on XX/XX/XXXX. I want my name on check, my signature and date. I want XXXX, to also show such Proof of ANY payment I made in XX/XX/XXXX.

The Fact IS : I have XXXX XXXX Statement that shows NO such payment to XXXX  or any one. I can provide PROOF for XX/XX/XXXXand XX/XX/XXXX XXXX XXXX Statements that no payment was ever made. Not even Less tahn The full balance.

Fact, This is a Flat out Lie and Fabrication from XXXX and Experian.

Fact, Payment was madein Full and account was closed.

Fact, Experian Has broken the LAW.

Fact, Experian Has not Verified this XXXX account and Failed to Provide Proof after many disputed requesting to show proof.
Consumer complaint received 2018-06-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc (NV)

On or aroundXX/XX/XXXX, I had fell upon very hard times and took out a payday loan from XXXX XXXX. I was unable to repay the loan according to the original terms and called XXXX XXXX to try and work things out. They told me the terms were no negotiable and my account would continue to be charged astronomical interest fees on a daily basis and be turned over to collections. As I was on fmla medical leave at the time with only a small portion of my normal pay I was unable to meet their demands. Several months later I received a mulitude of threatening emails, text messages, and phone calls from Ad Astra Recovery Services threatening to sue if I did not pay not only the original amount borrowed from XXXX XXXX  but a few thousand dollars more in accrued interest and that they would keep charging my balance interest fees monthly until paid in full. I made arrangements to borrow money to pay off Ad Astra Recovery In Full in XX/XX/XXXX with a promise to pay in full for deleting their reporting to XXXX, XXXX, and XXXX ( Pay for deletion ). I went to their lawyers office on XXXX XXXX in XXXX XXXX  and paid the original loan and interest in full as well as the additional accrued interests and charges they collected from me to prevent being sued. They were suppose to remove the remarks and account from my credit report but have not done so despite multiple and repeated credit reporting disputes. This account on my credit has caused me great harm financially and hurt my ability to secure a mortgage loan. I want Ad Astra Recovery, a third party collection agency to remove this information from all three bureau credit files permanently. They did not hold up their end of the bargain and I paid them over {$5000.00} for a loan that was thousands less than owed.
Consumer complaint received 2017-11-21
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: ID Analytics, Inc. (NC)

Some fly-by-night outfit called XXXX XXXX XXXX was somehow involved in a recent attempt to get a car loan. ( This was put thru by the dealer, not me, I got an instant loan for {$32000.00} from XXXX - literally took less than an hour ). They want too many hard copies of personal info sent via mail, no online services, and the XXXX people seem to have some weird idea of credit scores. While the 3 real agencies had me at 820 +/-, the XXXX reported mine as XXXX, and this scares me. I have no idea who they are, I asked many friends and family, still no idea. I would like my info permanently removed from them, or better yet, shut these shysters down. 

The reasons for denied credit sound like a scam to me. " Proportion of satisfactory trades too low ''. Seriously, what is that? Second reason " Limited history for consumer at this phone. '' Really? 

This really did not affect my purchase, but it is making me steaming mad that another scam has access to my info. 

IF YOU GO TO A CAR DEALER FOR THE LOAN, MAKE SURE THEY DO NOT USE XXXX XXXX XXXX.
Consumer complaint received 2015-09-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Mid land continues to re age my account the XXXX XXXX debt was {$900.00}. They keep trying to increase the amount and keep changing the account open date. 
XXXX XXXX card was from XX/XX/XXXX and was paid off in XX/XX/XXXX. It was XXXX XXXX issued card under XXXX XXXX. 
Here is how it appears on my credit report : MIDLAND FUNDING LLC {$2100.00} $ XXXX Your Account WithMIDLAND FUNDING LLCCall ( XXXX ) XXXX or Visit Agency XXXX account reported on XXXX XXXX, XXXX account reported on XXXX XXXX, XXXX # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX XXXX DateXXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 

Learn more about how to dispute items on your credit report. 
OpenAccount # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX, XXXX DateXXXX XXXX, XXXX ReportedIndividual Account. 
ResponsibilityCollection accountRemarksNoteSee something wrong?
Consumer complaint received 2021-07-13
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. (MD)

Account Paid In Full to utility company XXXX XXXX before being submitted to collection. XXXX XXXX and XXXX  have both deleted this inaccuracy from my report but Equifax  has failed to remove after 3 disputes. Account is clearly listed as PAID and they are still reporting it as a COLLECTION ACCOUNT when this information is inaccurate
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

purchased tickets from individual through XXXX  for a sporting event. contacted individual through text message which I have everything saved including screenshot of XXXX post. used XXXX from my bank of America app to send {$120.00} to individual. after sending money I never heard anything back from individual and never received my tickets. I contacted bank of America and they could not do anything but submit a ticket and stated there was not much that could be done. i had alot of questions but they were not answered by bank of America. I trusted that if i was sending money through XXXX  which is on my bank of America app i would be protected from something like this happening but as i already see there is not much help for me at all. I also made a police report for the incident.

bank of America case # XXXX police report reference # XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I reported that my XXXX and XXXX XXXX XXXX XXXX was not accurate that I paid XX/XX/2022 XXXX XXXX and XX/XX/2022 XXXX XXXX XXXX XXXX. I never asked for it to be deleted from my account I asked for it to be updated that it was paid on time. I've called and dispute the months because it was saying I missed a payment but I didn't.when I dispute the months I could not upload documents because the site was having issues. All I wanted was for payment of those months to be updated not deleted permanently. This is stressful trying to reach someone who understands what your talking about and constantly getting hung up on by representatives
Consumer complaint received 2021-07-06
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. (NC)

I have multiple inquires on my report from XXXX. I have contacted the reporting companies and they told me to contact Transunion. I have repeatedly disputed with Transunion about these unauthorized inquires and they have yet to provide proof to validate these inquires or offer any type of assistance to resolve this matter. I can verify the current inquires from XXXX as I have recently been approved for a new car loan, yet the invalid nonfactual inquires from XXXX remain on my report after hours of waiting on hold and being transferred with no help from Transunion. This is illegal and affecting my credit. this company has too much power within itself an causes harm to the consumers in which they profit off of
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

Dear sirs, My issue is with a XXXX  Visa Credit Card, and Citi Double Cash Card, both issued by Citibank N.A. On XX/XX/XXXXof this year, I attempted to contact Citibank to request assistance in furnishing me with access to view my credit cards online.

On XX/XX/XXXX at approximately XXXX XXXX I was transferred to 'XXXX ' and remained on hold for more than 40 minutes without a response. I was then disconnected.

Later that afternoon at approximately XXXX XXXX I was again transferred to 'XXXX ' and waited on hold for 47 minutes and gave up.

After another 20 minutes, and the assistance of a XXXX  employee, I was connected with a 'Supervisor ' at XXXX. After a lengthy delay, he said that he had performed the actions necessary to grant me access to my account. Unfortunately this was not correct, and he made no changes to my account.

My issue is that the customer support for both the XXXX  Visa Credit Card and the Citibank Double Cash are so poor that any reasonable person would have capitulated, and they effectively do not provide these legally required services.

I am asking the CFPB to investigate the lack of access to credit card information provided by Citibank.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Hello, I applied for Chase Credit Sapphire Credit Card. I was promised - XXXX joining bonus points as part of the offer but its no honored. I am not getting any clear answer from the credit card company as well. This is purely fooling the customer. Bank Chase never gave receipt of the online application via email and via submitting it on its website. So there is no way i have proof to showcase that i signed up for the offer. This is a clear case of misleading and fooling customer so i can not fight back.
Consumer complaint received 2021-11-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$660.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$7700.00} Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$730.00} This is a formal complaint against Equifax, XXXX, and XXXX. The collection accounts I have mentioned above are being reported erroneously in my credit report. I have disputed these accounts since XX/XX/XXXX, and I do not see any changes in the way the account is being reported. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act. 

For one, XXXX XXXX XXXX is still reporting inconsistently. The date of last activity in XXXX is XX/XX/XXXX, while XXXX shows XX/XX/XXXX. The credit bureaus can't seem to correct or validate this one. I even disputed this directly with the collector and original creditor. I am not getting any response to my disputes. It seems my effort to get this resolved is being neglected. I am trying to get approved for a loan and this is causing too much stress.
Consumer complaint received 2021-07-12
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. (NV)

Equifax CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXX for {$5400.00}
Consumer complaint received 2017-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX 2017-XXXX-XXXX 3- XXXX XXXX XXXX 2017-XXXX-XXXX 3-XXXX XXXX 2017-XXXX-XXXX 4-XXXX XXXX 2017-XXXX-XXXX 5-XXXX XXXX 2017-XXXX-XXXX
Consumer complaint received 2017-11-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In early XX/XX/XXXX my wife needed medical assistance. The billing company was XXXX, XXXX XXXX XXXX XXXX. I paid the invoice in XX/XX/XXXX. But to today it shows as a deleterious mark on my credit. I asked TransUnion to remove a few months ago but it 's still there. I tried to dispute the entry again this evening and TransUnion 's page would not allow me to do so. Here is the original creditor 's contact information. Please help me resolve this. 
XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid my balance in full on XX/XX/XXXX my bill isnt due until XX/XX/XXXX. Capital one is holding on to payments until the payment due date to ensure interest charges are applied. I thought I was the only one experiencing this issue until I made a XXXX  dollar payment on my husbands credit card that I am an authorized user for. The payment will not post until XX/XX/XXXX although I made the payment on XX/XX/XXXX.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Over ten days ago ( business days ) I requested Trusted ID Equifax to unfreeze my credit account and I was told it would take up to 48 hours. As of today, it is still frozen. I tried calling Trusted ID Equifax and Equifax itself to get help. I have been put on hold for over 10 - 15 minutes and been refused to be able to speak to a manager. I need my credit file unfrozen asap and I would not have frozen it in the first place if it was n't for their breach. This is hurting me as I have applied for a credit card with my credit union and they have been watching my credit file to see if it has been unfrozen. My credit union called me and informed me that my credit file had not been unfrozen on Friday, XXXX XXXX, 2017. This is very wrong that I can not speak to a manager and must be spoken to by someone reading off of a screen as to what to say to me. This is not customer service. Equifax should be polite and assisting clients in a professional manner because it was their fault all of this happened in the first place by not uploading security features. If nothing else, please make this complaint against Equifax for be uncooperative in assisting consumers. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-25
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. (CA)

My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well. 
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born XX/XX/XXXX
Consumer complaint received 2017-11-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc (CT)

Original Creditor : XXXX Issue : I do NOT owe the money and refused to pay it. They sent it to collection. It 's now damaging my credit report. 
XX/XX/XXXX : Signed up with XXXX for ONE YEAR. 
XX/XX/XXXX : Sent a letter to XXXX stating that I do NOT want this automatically renewed at the end of the contract. No response. 
XX/XX/XXXX : The contract expired. Sent a new contract via email WHICH I NEVER SIGNED. 
After this I continued to see monthly charges on my credit card. When I alerted my credit card company about the fraudulent charges XXXX could not charge my card any longer and sent me to collection. 
XX/XX/XXXX : Sent another letter to XXXX stating that I did not want this contract renewed and never signed. No response. 
XX/XX/XXXX : Letter to United Resource Systems - no response. 
I attempted to dispute this with the credit agencies without resolution.