davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
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. (NY)

XXXX XXXX XXXX contacted me to find out what I disputed on my credit report regarding their entity. I advised the woman that my credit report with EQUIFAX INCORRECTLY states that the last payment was made in XX/XX/XXXX. I have paid EARLY and EXTRA money each month since XXXX. The woman advised me that she would look into the matter and make sure that the updates are correctly showing that I HAVE in fact made the payments. On XX/XX/XXXX, I received and ALERT stating that XXXX XXXX XXXX updated and left a remark on my account. Upon investigating, I discovered that the REALLY made things MUCH worse. My credit reports STILL do not show that the months of XX/XX/XXXX, XX/XX/XXXX AND XXXX of XXXX have been PAID IN FULL. ALSO now on my credit report there is a remark that says " NO DATA. '' for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX has not even been entered as a payment EITHER. Not only is the information that XXXX XXXX XXXX   reporting INCORRECT, from their latest entry, my credit score went DOWN two points JUST due to XXXX XXXX XXXX. I have ALL of the documents ( contained in snippets ) to show PROOF of what I have been trying to get across.
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Continental Finance Company, LLC (TX)

On XX/XX/19 I received a phone call from an unknown number. When I answered the lady on the line said that she was trying to get ahold of me because they were going to garnish my paycheck and within a couple of hours they were going to serve me papers to sue me. I called the number she gave me XXXX. A man answered the phone and stated that it was a law firm of XXXX XXXX XXXX. He told me that I owed "$XXXX XXXX in credit card debt and that if I could not pay I was going to be served with papers. When I replied that I did not know what he was talking about he started yelling that I" didn't pay my debts, and I was going to get sued". I asked if he had proof of the debt owed and he laughed and started to yell again. I hung up and they called my employer within 10 minutes. I called them again to tell them that I did not want them to call my employer anymore. A woman answered. I asked for her name and she replied, "XXXX XXXX". She answered the phone as before, "XXXX XXXX XXXX" I asked for the address of the company and she would not provide it. She told me it would be on the papers they were going to serve later that day. I asked what state they were located and again she refused to answer. I told her not to contact my employer. That all of the contact needed to be with me. She told me that I did not get a say so. That when I didn't pay my bills this happened. That it was my fault and it wasn't going away. She threatened me with garnished wages in 8 days, unless I could pay the balance then. I again said no and she immediately interrupted and she begin to yell so I hung up. She called my employer  two more times within an hour. She gave my case information, told them that I was being sued, and told her "not to protect her employee". The receptionist that she was talking to told her after the first phone call not to call anymore.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

ATM dispute that happened XXXX XXXX casino XXXX last XXXX XXXX, XXXX for the amount of {$700.00}. I did multiple cash ATM withdrawal of {$200.00}, {$200.00} and {$500.00}. Hence my cash withdrawal limit for a day is {$1000.00}, I want to obtain more cash as cash advance from my credit card to cash advance machine requesting amount of {$500.00} but it was declined. Then I tried to lower it for {$200.00} and continuously declined. I received no cash. The following day I checked my online banking and it showed on my checking account of {$700.00} as ATM withdrawal. I then contacted Citi bank customer service and the representative told me that if I did not receive that amount then my account reflect this right away. In short there were 3 dispute transactions of {$700.00} the bank temporarily credited to me while the claim was in process and all of these Citi bank send me letters that transaction was legitimate and they pulled the amount back out of my account that they reimbursed. I feel pretty alone in my fight. If I did receive this amount, I would have just move on However, I certainly did not. Which is why I have invested so much time and been so persistent. You are somewhat of a last resort and I would greatly appreciate any help I could get.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained.

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically.

I have also filed a complaint/report with XXXX XXXX XXXX Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I Requested from the credit bureau equifax on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In  Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
Consumer complaint received 2021-03-27
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. (TX)

On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my XXXX  report and 10 on my XXXX. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ive been noticing the interest rate have been increasing for the last couple of months. I happened to look online and Ive noticed they are charging me a 31 % rate so I called them to explain the situation and all I got was I can call credit Counseling and it cant be lower because its a variable rate, I told the supervisor who was very Condescending when we were talking that it has never been this high, and he told me its nothing they can do.. Capital One inherited the cards from XXXX in 2013.. I have 2 Capital One cards and my other one is not like this.. I need a Resolution because I think its some kind of scamming going on here and after talking to a couple people about my situation, they inform me about the same issues they had with Capital One.. Please help..
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XX/XX/XXXX and XX/XX/2020, 3 fraudulent ATM withdrawals were made using my Bank of America EDD card, for a total amount of {$2900.00}.

The card was in my possession at all times yet someone managed to get its details, or rather forge it to get a perfect copy of it, as well as my PIN code, which nobody but me knew. As a result, my account had been drained out. They had withdrawn the maximum daily authorized amount. 
The fraudulent withdrawals were the following : - XX/XX/XXXX : {$1000.00} - XX/XX/XXXX : {$980.00} - XX/XX/XXXX : {$1000.00} I have called Bank of America EDD customer service number as soon as I noticed the fraudulent activity, on XX/XX/XXXX I believe, and a claim was instantly filed over the phone. 

A week later, I received in the mail a notice dated from 2 days after my phone call, stating that my claim had been closed, without any other reason, and without the money being credited to my account. 
I then immediately called them back to have more information, and was told that my case had actually been accidentally closed ... So I instantly reopened a new one. I kept calling and being put on hold for 2 hours at a time, until mid-XXXX I finally got to get an update, to be told that my claim was still pending, and that I should hang tight. 

I waited a few weeks and since there were no news, I called back again mid-XXXX, to be told that my second claim had in fact been closed on XX/XX/XXXX, without further explanation, or even notice received at the time. I was shocked, I had been told that work was still in progress when in fact my case had been closed, for the second time. 

It has now been over 3 months that this money was taken from my account and I still haven't received any update about the resolution.
Consumer complaint received 2021-12-02
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-11-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

I feel that there was not a through investigation done for my credit report and it return with updated information now was given to me as an update result the account from XXXX  XXXX  account amount {$2100.00} is not mind.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY (NY)

I dispute a charge for XXXX because they claim I would receive a paper bill never did XXXX denied this. Then I went to my bank TD bank to dispute the charge they credited me then reverse the credit today XX/XX/XXXX, I summited the proof they needed and told them I couldn't afford this payment.
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from XXXX for an unspecified amount. I represented myself and indicated that not having signed any agreement with Crown Asset management LLC but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

For my Bank of America Best Balance Rewards card ending in XXXX ( an account I've had for 46 years ), I am given a {$25.00} quarterly cash reward if I pay at least {$1.00} over the minimum payment on time for the previous 3 months, by the due dates for those months. I have successfully met these requirements for the months of XXXX 2019, however, in XX/XX/2019, the cash reward was not posted to my account ( please note, reward are always posted in the first 5 days of the month following the previous 3 month period ). I contacted the bank 4 times : on XX/XX/XXXX, spoke to XXXX, who said she would submit a research ticket and the results would take 10-14 business days ; on XXXX, spoke to XXXX, who submitted another research ticket, REF XXXX, and said the results would take 3-5 days ; on XXXX, spoke to XXXX, who reached out to the " credit card '' department who said that the 10-14 day period was not up yet, and she suggested I call back on XXXX ; on XXXX, spoke to XXXX, who said she doesn't have a record of any resolution yet, and she then submitted a formal complaint to Bank of America on my behalf. As of this writing, I'm not confident that Bank of America will honor the terms of the Better Balance Reward program, and I'd also like to know what is taking so long to do research.
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Michael Harrison, Attorney at Law (NJ)

The law offices of Michael Harrison Attorney at XXXX XXXX XXXX  XXXX -Site XXXX in XXXX XXXX NJ XXXX keep sending me debt collections to a person named XXXX XXXX XXXX does NOT live here nor is a citizen of this country. However, they keep sending it to me. I have not affiliation with this person. 

Thank you. 

XXXX XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

SAGESTREAM place a credit freeze on my credit profile without my consent. I have never heard of the company or want to place a freeze on my profile. I have tried to contact the company multiple times but there is no customer service. There is only an automate system to collect even more personal information. I also attempt the online request but nothing is complete for weeks.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

On XX/XX/2019, I noticed a collections account on my credit report that is not mine. The account is with Sequium Solutions for a XXXX XXXX bill. I have never subscribed to XXXX XXXX in my life and must be a mistake. However, my dispute result somehow verified the account is accurate. I have contacted Sequium Solutions requesting for proof the debt is mine. I have yet to hear back.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

Companies : Eqifax, XXXX & XXXX. These companies continue to list old debts of mine that should NO longer appear on my credit reports due to their age. 

This has made my reports look much worse than they really are ...
Consumer complaint received 2024-03-18
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Sequium Asset Solutions, LLC (DE)

I saw there is a collections in my credit report last week, which is charged by XXXX XXXX ( XXXXXXXX XXXX I lived through my college year in XXXX ) and SEQUIUM ASSET SOLUTION is the collection agency. This amount is the move-out fee I paid at XX/XX/2021, and after that, through these XXXX years, XXXX XXXX never contacted me and also I never received email or phone call from this collection agency. At the same time, they both can not provide with me the evidence that I didn't pay for the money. The collection agency asks me to find my leasing company, and the leasing company of XXXX XXXX ( XXXX ) told me they stopped manage this property last year, so they can not find any of my account information any more. As I called XXXX XXXX the XXXX told me they just started manage this property, so I need to contact the previous company. 

I don't want to pay for the money which I paid for XXXX years ago, so I want any of them can provide with me the evidence that XXXX XXXX didn't receive my payment at that time. And at the same time, why they can just mark it on my credit report and reduce my credit score. 

Thanks for your help!
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NV)

I made a couple of one-time purchases for digital items in the App store using Paypal on my daughter 's phone. Without my permission, Paypal added her device as a " known device, '' allowing her to rack up hundreds of dollars in charges without my permission. I use Paypal when making purchases for my children, so I will have to enter a password, and they can't unknowing buying things with the scan of a face ID. 

I have contacted PayPal in writing, on the phone, and by chat, and I can not get an answer from them that is actually specific to my actual situation. The resopnces I have gotten range from " we can have canceled the subscription '' to " I have purchased undisputed on that device before ''. I can not get PayPal to provide me anything showing when they started associating my daughter 's phone with my Paypal account to bypass the password. I can not get a response as to why they did not send me any emails or notifications that an additional device would be allowed to make purchases using my Paypal account without entering the password.