davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX and EQUIFAX, without my knowledge or consent, placed a security freeze on my credit report. I have requested that they remove it forthwith. They refuse to do so and continue to send me stupid form letters from XXXX asking for confidential information I refuse to supply to them, including my social security number, a copy of a driver 's license ( assumes I have one ), utilities bills and other things. I DID NOT REQUEST THE SECURITY FREEZE. They must remove it immediately.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

First Investors Servicing Corp is reporting late payments on my account. I have spoken with several First Investors Representatives and explained my hours has been cut tremendously due to the Coronavirus Pandemic. Due to the CARES ACT CONGRESS has enacted the Coronavirus Aid, Relief and Economic Security act that states a consumer whose account was not previously delinquent is current on their loan should continue to report as current. 

Prior to the Global Pandemic my auto loan was current, due to the Pandemic I have been late with 2 payments and per the Federal Government and the President of the USA no company is to report late payments to any bureaus if the Consumer is affected financially from the Global pandemic.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Paypal stole {$15000.00} dollars from me. 
Someone owed me {$15000.00}. 
To track repayment, in XX/XX/2017 I set up a new PayPal account related to the name of the debt. 
PayPal did not have an issue setting up this account, nor taking payments for the {$15000.00}. 
However, when I wanted to withdraw the money, they said that they are unable to allow me to withdraw it because the name didn't match my name. They suggested renaming the account and asked that I submit documentation - official ID, etc. 
When I did so, they permanently suspended the account. There is no option to receive the money or return it to the sender. In 180 days I'll " get a letter '' with no specifics.
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

I have called numerous times as well as the hospital and my medical insurance company and the hospital/Insurance company has said I owe no debts and the collection agency has been ruining my credit by saying I owe {$940.00} for an ER visit. My insurance company said they were trying to help relieve me of this fake debt that I do NOT owe. Also when I have called the debt collection agency, they have given me numerous dates on when I was supposedly at this ER visit in which on one of the dates they had given me was physically impossible for me to be at the hospital because I was actually in a program for XXXX woman at the time. The agency name and information was given to me as follows : ARS ( Account Resolution Services ) but is listed as XXXX XXXX XXXX XXXX XXXX on my credit report and the address is ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX. And Telephone number is ; ( XXXX ) XXXX. When I called I could hardly hear the woman speaking through the static or understand what they are saying in my experience and I was given 3 different dates in the years of XXXX and XXXX. I contacted the hospital and they expressed that they do not use this debt collection agency and have told me I have XXXX debts as well as my insurance company has said they have paid all my medical expenses! Please help me fix this because it is ruining the credit I am so badly trying to repair! Thank you kindly!
Consumer complaint received 2021-09-13
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. (NV)

XXXX XXXX XXXX. JUST POSTED THIS FILE ON MY EXPERIAN CREDIT AS A DEROGOTORY ACCOUNT, AND IVE NEVER DEALT WITH THEM OR OPEN ANY RECENT ACCOUNTS. I AM REQUESTING A VALIDATION IN WRITING OF THIS ACCOUNT SHOW DATES AND AMOUNTS BECAUSE IT LOOKS LIKE THEY ARE TRYING TO REAGE SOMETHING THAT IM NOT FAMILIAR WITH. THE FAIR CREDIT REPORTING ACT SAYS IM ENTIGHTLED TO THAN IN A TIMELY MANNER. I AM XXXX AM ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM ASLO REQUESTING NO FURTHER ATTEMPTS TO CONTACT ME BY THIS COMPANY AFTER I GET MY VALIDATION PROOF FROM THEM.
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (SC)

My Discover Credit Card is for emergency purposes. My account was closed for inactivity without any warning. They emailed me to tell me my account was closed, a simple email to say it would be closing for inactivity would have been appropriate. They refuse to reopen my account. During these trying times with Covid, They should not have closed my account because I was never late with a payment and the card was paid off. Closing my account will affect my credit score. Having to reapply will affect my credit score.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

I recently received a Major Derogatory from Caine & Weiner on XX/XX/2021. This collection agency was collecting a debt account # XXXX from XXXX XXXX  that was paid in full on XXXX XXXX  policy XXXX. 

Confirmation Number : XXXX Payment Amount : {$140.00} Payment Date : XX/XX/2021 Payment Method : Card This collection agency never made contact via phone or mail. This debt was paid in full 3 weeks before negative credit report was made. The collection agency still shows a balance due and is not responding to updating debt, showing XXXX balance or removing negative credit report. Horrible customer service and providing misleading and false information on attempts to clear debt and false negative credit report. 

This is causing me damages both financial and mental suffering. They are not responding to my communication requests.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2001 with an amount of {$3400.00}.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (MI)

Ive tried to contact this company many of times in regards to balances says I owed them. Ive sent letters and called to explain Ive been a victim of identity theft and those accounts Ive never had nor open with them. I even asked for verification and nothing. Yet this company affirm is still reporting negative on my credit report and its damaging it severely.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC (MI)

GreenSky , LLC is the worst company besides XXXX XXXX, who uses them. I have called and emailed GreenSky and XXXX numerous times and marked as urgent and they ignore me. They say I owe XXXX  of dollars in debt and my stress level has gone through the roof. Their customer service is unsympathetic, barely qualified, and ignorant. They made a {$200.00} service turn into a XXXX debt out of nowhere. They said they needed a HIPPA form that they sent to me returned by email and they sent me a form I couldn't even electronically sign. I asked at least 7 times if I could get a docu-sign form but they kept making excuses. They couldn't even open my file in PDF even though they sent it to me in PDF format. I used XXXX Fill and Sign and  GreenSky claimed they " couldn't open it ''. My husband tested it and it worked for him. They are outright liars and thieves who steal from people who live off a XXXX check, like myself. Nothing is adding up and I am sick. They already made me pay {$1000.00} for {$200.00} worth of treatments and no matter how much I called XXXX or GreenSky, they threatened that I had to pay, anyway. Fraudulent evil corporation. I attached files that make no sense from GreenSky, and XXXX XXXXXXXX XXXX District Manager won't return my messages. They will not get away with fraud.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (MA)

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 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 2021-09-13
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: Experian Information Solutions Inc. (FL)

Experian is updating incorrect information about fraudulent account from XXXX. The XXXX account has no account number in my credit file. There's no signature by me agreeing to the account.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Discover card changed my product from a discover it to a discover miles card, without my permission to do so. I called and requested that the card be converted back. This apparently never happened. Instead, they closed my account and retained the negative balance owed to me without notifying me that they closed the account, refunding the credit owed, or making the previously mentioned product change. 

Even on my attached billing statement it does not state the account is closed, but when I call customer service they tell me it was closed inXX/XX/2021 without notice to the consumer.
Consumer complaint received 2019-11-11
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 (NC)

I had my Walmart Card with XXXX XXXX. Apparently they were bought out by Capital One. I made my XXXX payment and they say they never received it. I tried calling XXXX and was given the number to Capital One. I had already called them and they said they didn't show the payment, that I would have to contact XXXX. They charged me a late fee, which will be reported to my credit report and they said that they were not honoring my original contract. This should be against the law. I did not sign a new terms agreement. My payment went up from {$25.00} to {$35.00} because Capital One charges 1 % of the balance. XXXX did not do this. They should not be able to do " business as usual '' because they bought out other contracts. They should honor the original contract.
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). YOU, XXXX ARE IN VIOLATION 15 USC 1681i ( 7 ) and 15 USC 1681i ( 6 ), FAILURE TO PROVIDE NOTICE AND RESULTS OF REINVESTIGATION PROCEDURES. PLEASE RESPOND IN 15 DAYS TO INFORMATION PROVIDED IN ATTACHMENTS.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I've made several attempts at contacting Convergent Outsourcing requesting information regarding this account. My last attempt was XX/XX/2021 where I spoke with an agent and a supervisor. They kept making debt collection attempts and settlement offers. I called to request a breakdown of charges because the amount they are attempt to collect is not what I owe. As I've stated, I've gotten no information. I disputed several times with the credit bureau as well. They will respond to them and continue to adversely affect my credit. All communication regarding this has been initiated by me. These people are very unprofessional and have made no real attempt to resolve this matter.
Consumer complaint received 2019-11-11
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. (TX)

Hello, My TransUnion credit score dropped 75 point on XX/XX/2019. The only changes shown were a balance increase of {$49.00} with XXXX XXXX XXXX XXXX and a balance increase of {$15.00} with XXXX XXXX XXXX. 

During that same period, my XXXX  and XXXX  credit scores remained the same. 

I wrote a letter to TransUnion and requested that they validate and verify this drastic decrease in my credit score, yet no information was provided from them. 

Please assist in helping me to resolve this issue.
Consumer complaint received 2019-03-01
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. (NY)

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an XXXX report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have multiple inquiries that are fraudulent and I never applied with these companies I want them removed from all public consumer reports. 
I have tried multiple times and this credit reporting agency will not remove them.
Consumer complaint received 2021-09-12
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: EQUIFAX, INC. (FL)

XXXX has continually reported account being unpaid or unsettled when in fact they have received payment. back in XX/XX/2021 i filed a complaint and the response was that it was deleted. it was not deleted or blocked and remains on my credit report. i have submitted numerous proofs showing i met the terms of my settlement and account was closed and paid yet it remains. XXXX complaint ID for reference. this item needs to be blocked and deleted from my report. i am ready to seek legal action for violation of FCRA and for punitive damages. if this matter is not resolved. this account was settled back inXX/XX/2021 this needs to be resolved ASAP
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center (CA)

The debt collector is XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. They are calling me every 3 days to collect a payment on an XXXX XXXX. The payment is for {$600.00} that was originally due to XXXX XXXX..

I have repeatedly told the caller ( s ) that I will pay them at the end of XX/XX/XXXX.

They are very aggressive on the phone, trying to push me to pay them immediately.

I have a XXXX XXXX, and these calls create a high level of stress, anxiety and XXXX XXXX XXXX. It takes me an hour to calm down.

They call on an auto dial that creates an auto dial for a local number so I do not realize that it is them, till it's too late.

I really do plan to pay them by XX/XX/XXXX. Please get them to stop harrassing me.

Thank you, XXXX XXXX
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NV)

LVNV FUNDING LLC. JUST POSTED THIS FILE ON MY XXXX CREDIT AS A DEROGOTORY ACCOUNT, AND IVE NEVER DEALT WITH THEM OR OPEN ANY RECENT ACCOUNTS. I AM REQUESTING A VALIDATION IN WRITING OF THIS ACCOUNT SHOW DATES AND AMOUNTS BECAUSE IT LOOKS LIKE THEY ARE TRYING TO REAGE SOMETHING THAT IM NOT FAMILIAR WITH. THE FAIR CREDIT REPORTING ACT SAYS IM ENTIGHTLED TO THAN IN A TIMELY MANNER. I AM XXXX AM ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM ASLO REQUESTING NO FURTHER ATTEMPTS TO CONTACT ME BY THIS COMPANY AFTER I GET MY VALIDATION PROOF FROM THEM.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America held my check deposit for 10 days with NO availability of funds. I am a 23+ account holder with them with a combination of seven accounts and deposit my auto settlement check and need to pay my bills. The original insurance check that was cashed, came from bank of america which the insurance company bank with Bank of America, then they holding my funds for 10 days and it only take a matter of 2 days for things to clear from one bank to another. then i tried to pay one of my bills so I won't accrue any more fees, and they return it back because of the hold they have my check deposit, which I know they got the money from the other bank because it has been 3 days since the initial deposit of my check. Then, they charged me a return check fee sending an oxymoron statement that don't make any sense. " You may have insufficient funds, the amount to be paid, is way lower then the amount that was deposited. They did reversed the fee. However, dishonor my ACH payment.
Consumer complaint received 2019-11-11
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: Experian Information Solutions Inc. (NC)

I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1. XXXX, # 2. Experian & # 3. XXXX about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX  ) after the Account have been closed in Good Standing 3 Months prior, Another problem with XXXX XXXX
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : EXPERIAN XXXX XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,
Consumer complaint received 2021-09-13
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. (MS)

On three separate occasions, I have discovered that inaccurate information is being reported on my credit file specifically unduly hard credit inquires all ranging different dates. I have tried to contact the bureaus and the creditors directly to dispute what I was under the impression as were soft inquiries that are now presently affecting my credit in a negative manner. I have not authorized such actions for credit and these unauthorized and unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I understand and am aware that inquiries are a factual record of file access and it is the credit bureau that is reporting these unverifiable requests for my credit after I have shown proof that these were not hard inquiries.