davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

I have reached out to the company for months now and they refused to remove the debt off my report. I talked to the rep in charge of my account and everything. I emailed him the proof he asked for on XX/XX/2020. He responded on the XXXX of XXXX and said he would remove it give him 3 to 5 days. It wasn't remove. I emailed him again on the XXXX of XX/XX/2020. I asked in the email why it was removed. He now says he is waiting on a response from someone to remove it. I emailed him again on XX/XX/XXXX and asked whats the hold up. He did respond. Its an apartment and I have to move next month for a job. If that's not remove I won't be able to find an apartment. Or I will be charged a high deposit for something that I took care of way in advance and this company is blocking me from moving forward. Please help me i don't know what else to do.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit for any purpose.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

A few years ago, I froze my credit with Equifax. When I froze my credit, I was given an unfreeze PIN that was supposed to be required in order to unfreeze my credit. When I went to unfreeze my credit, I was prompted to create a myEquifax account. The account creation process didn't require information beyond the normal info used to pull a credit report ( Name, Email, Address, Phone, DOB, and SSN ). Once I created the account, I was able to unfreeze  my credit but myEquifax didn't ask for my unfreeze PIN. 

I was able to unfreeze my credit using only the info that would normally be used to pull a credit report. The credit freeze doesn't appear to have provided any meaningful protection against identity theft.
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Wakefield and Associates, a national debt collector, is attempting to collect on a debt that should have never been sent to collections. The original creditor is XXXX XXXX and the debt is associated with another debt that has been processed and accepted by XXXX, an insurance company. 
The alleged debt is about {$3000.00} and is a charge related to a data contract that arises from and is associated with another XXXX XXXX transaction in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX XXXX forwarded to collections. 
It should also be noted that such cancelation was requested within 24 hours of the date of the data contract and I already had a data plan and device in place at the time of the contract and requested cancelation. 
In resolution of this matter, I would like this collection account to be removed from all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.
Consumer complaint received 2020-10-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CB1, Inc. (MT)

CBB a debt collection company has reported to all three credit reporting agencies that I owe and amount on a medical bill. The amount reported is wrong. The payments being reported is wrong. 

I sent CBB a letter on XXXX XXXX by certified mail asking about the mis-reported balance and that i had made that payment and paid that account off. I heard nothing back from this letter. I pulled my credit reports from all three credit reporting agencies and noticed that they did not mark in the comments that this account is being disputed as required by law. 

I sent a good will letter to them by certified mail asking that this misreported, inaccurate report be removed by them from all three credit reporting agencies or I was going to take further actions. CBB still has not responded to any of my inquires or letters to date.
Consumer complaint received 2020-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

National Credit Systems reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX  XXXX XXXX Anything. 
XX/XX/2020 XXXX pm I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX am I received an email from XXXX  stating the dispute was completed. I called XXXX  and was told the collection verified but no legitimate proof was ever provided by National Credit Systems or XXXX  to verify their false claim. XXXX  is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX  and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX  on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX  with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with XXXX  to dispute National Credit Systems and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX  online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with XXXX  when I previously submitted a dispute for this same collection agency. No documentation of verification was ever provided.
Consumer complaint received 2023-01-24
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. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OH)

After threatening to reduce my credit limit by tomorrow if I don't pay almost {$1000.00} on my account which is otherwise in good standing and my minimum payments have been met, American Express telephone system is " undergoing maintenance '' and I am unable to speak to a live US customer service agent to make the {$1000.00} payment that American Express pulled out of their XXXX and demanded I pay in less than one week or my credit limit would be reduced. I can't make a payment if these XXXX  won't answer their phones.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}
Consumer complaint received 2021-10-15
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: TD BANK US HOLDING COMPANY (CA)

Target / TD Bank is reporting a charged-off account to XXXX that I was never responsible for. I was only an authorized user of the account and now that it has charged-off, I can't be removed from the account. This is hurting my scores and making it impossible for me qualify for a loan.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (WI)

In the beginning of XX/XX/2020 my wife and I applied for a mortgage the mortgage broker reported to me that something was on my credit .I investigated and there was a charge from synchrony bank for $ 6355.00.While investigating a person named XXXX XXXX took XXXX credit card out through Care Credit back on XX/XX/2020 in my name. This person spent the money at a spa called the XXXX XXXX in a suburb of XXXX XXXX Missouri. On this day I was working in XXXX, Wisconsin. On XX/XX/2020 I filed a fraud investigation form with synchrony bank. On XX/XX/2020 I filed a Police report with the XXXX XXXX Police department case # XXXX. In the middle of XXXX I contacted Synchrony Back to check on the status of the investigation, they stated that it was denied. The investigator said they would reopen the case and review it, I gave them the police report case # XXXX. In the beginning of XXXX I called again and the investigator told me it was denied again. So then I filed a report with the FTC and sent the report to them, I also froze my credit with the credit bureaus. In XXXX I checked again, it was denied again, synchrony stated they never received a police report so I resent the report. In the beginning of XXXX I received another fraud investigation form from them, I filled it out and sent it with all the forms, the police report, the F.T.C letters, and I had the police officer call synchrony fraud department and on XX/XX/2020 they denied it again.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am trying to repair my credit. I signed on with Trans-union because it seems most of the lenders use these as primary source. I thought your credit reports were free if you used it once a month, accordingly I mistakenly signed on with them. When I tried to ascertain specially what my adverse issues were I was charged XXXX 2 times, I called and complained to the vender. They did not charge one of 2 items but refused to refund my 1st charge dated XX/XX/2020, i consider this and all the rest of them criminal in the actions. XXXX  is the same thing, I will be making a issue of it tomorrow.
Consumer complaint received 2020-11-16
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: Santander Consumer USA Holdings Inc. (PA)

I have received my recent credit report and the follo0wing hard inquiries have pulled my credit report without my consent or authorization I have tried to contact the below consumers and have not received an response or removal of fraud information from my report. 

unknown and nonconsent company credit pull : XXXX XXXX Santander Consumer UsaXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-12
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. (GA)

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$6400.00}
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

My XXXX XXXX XXXX personal checking and savings account were closed XX/XX/XXXX. I was informed that there was a balance due on my account of {$79.00} and upon remitting payment, I would be able to open another account. I completed payment on XX/XX/XXXX. Once again, at this time, I was told that I would be able to go into a branch and open an account. when I received my consumer report from chex systems to verify this had been removed, I see there is a statement that says Suspected Fraud Activity. I had previously disputed this information in XXXX and forgot about it. I never recieved a copy of the dispute or the results as required by law. When I called XXXX XXXX XXXX to get this situated, I receive 3 different stories from the Recovery Department, Risk Department, & Fraud Department. No suspicious activity has ever been brought to my attention. How is it that the company can report, " suspected fraud activity. '' I still have open and active accounts with XXXX XXXX XXXX. If there was suspected fraud activity, why would my accounts stay open. I need this removed from my consumer file.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

I recently pulled a credit report and I 'm seeing a lot of " In Collections/Charged Off '' accounts. Between XX/XX/XXXX and XX/XX/XXXX I was enrolled in a debt consolidation program. All of my debts were settled with the creditors and paid in full. These accounts should not be reporting negatively on my credit report. One of the accounts I 'm referring to is a Discover Card account with a last payment made on XX/XX/XXXX ( says XX/XX/XXXX on credit report ). The original balance on this account was {$990.00}. The debt was settled for {$930.00} and paid as follows : {$460.00} ( XX/XX/XXXX ), {$230.00} ( XX/XX/XXXX ), and {$230.00} ( XX/XX/XXXX ).
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Since my Bank of America account has overdraft fees and overdrawn due to fake checks that scammed me in 2022, my accounts are both closed in checking and savings accounts and therefore can not be able to open not even a standard account in any of these local banks that we all use to protect our money! My account has been closed not locked but closed and banned, and this requires a solution as soon as possible because these mainstream banks are the forefront of the future and Im basically put out of it. Therefore a solution must be presented by you guys the heroes!
Consumer complaint received 2021-01-21
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)

DPT ED/XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-04-08
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: OpenRoad Lending (TX)

I'm subscribed to XXXX XXXX 's credit monitoring service. After my score went up a few point, they offered to use their pre-qual form to find my offers for personal loans AFFIRMING that it would not affect my credit. After submit this alleged soft-inquiry I then received alerts from other services I use that my there had been several hard pulls on my credit file which is VERY unacceptable. I'm currently working on my credit and would have NEVER submitted the form if I knew they were going to do a hard pull which is counterproductive to what I have going on. This happened at the beginning of XXXX. 

I suspect XXXX XXXX illegally and without permission sold my information to other creditors. That is the ONLY way these companies would have even had my information for a hard pull. This is a very misleading tactic by XXXX XXXX and if it is included in their " terms '' it needs to be very clear. 

XXXX XXXX, Open Road Lending, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX all had access to my credit information FRAUDULENTLY. I had to suffer a score decrease across two bureaus because of this. I reached out to these companies the same day in an attempt to fix this and see what happened but they all acted clueless and said they would TRY to remove the inquiry and that is not good enough because they were never supposed to have my information in the first place. 

This is the email communcation from one of the companies involved, " [ F ] lagship received the application through Open Road Lending, ( XXXX ) XXXX XXXX, case id XXXX on XX/XX/2020. You may want to contact XXXX XXXX and Open Road Lending to learn more about the handoff steps each took in sharing the application.
Consumer complaint received 2020-10-31
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)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX  XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 TransUnion : XXXX XXXX XXXX XXXX  XX/XX/20 TransUnion : XXXX XXXXXXXX XXXX XXXX XX/XX/20 TransUnion : XXXX XXXX XXXX XXXX XX/XX/20 XXXX : XXXX XXXX XXXX XXXX XX/XX/20 XXXX : XXXX XXXXXXXX XXXX XXXX  XX/XX/20