davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

All three companies ( XXXX, Experian, XXXX XXXX demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the XXXX breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this. 

XXXX made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARMEL FINANCIAL CORPORATION, INC. (TX)

I have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (CA)

Due to the COVID-19 epidemic, all eligible tax-payers have been sent Economic Impact Payments. I was able to enter my information on the IRS.gov site and IRS updated the " Get My Payment '' portal on XX/XX/XXXX stating the following, " We scheduled your payment to be deposited on XX/XX/XXXX to the bank account below. '' The bank account I submitted to IRS is attached to my PayPal account and as of XX/XX/XXXX XXXX PST I still have not received the funds. I contacted PayPal multiple times to check the status and their customer service support has been anything but helpful. Here are a few of the responses they have given me : " XXXX XXXX XXXX XXXX XX/XX/XXXX ) Thank you for the information, it typically takes 3-5 business days for the deposits to be processed by the IRS. However, I don't see any deposits in your account. 
I would suggest you to wait end of the day, If the funds doesn't reflect, I would suggest you to check with the IRS. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX is not available. I have reviewed the previous conversation and understand youre concern with regard to direct deposit. 
I appreciate you bringing this to our attention, so that we can deal with this immediately. 
It usually takes 3-5 business days for the payment to reflect on your PayPal account when IRS disbursed the funds. It's still 4th business day today. 
I would request you to wait until tomorrow end of the day and if you still don't see payment on your PayPal account then you can contact us back. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX   is not available. 
I would like to inform you that the IRS checks takes 5-7 business days to clear and credit it to you. 
Thank you for understanding in this matter. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX, it was sent to you on XX/XX/XXXX and XX/XX/XXXX is bank holiday, 2nd and 3rd are weekend. From 4th XXXX it is now 4th day today. Please wait it will be credited to you. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Sorry for the inconvenience caused, The deposits are worked in batches. Those batches are worked throughout the day and there's no real rhyme or reason to who ends up in what batch when. As soon as your deposit gets processed to us we deposit it to the account. This process is done throughout the day until the close of banking business XXXX XXXX Pacific Standard Time. '' At no time was I able to speak with a representative on the phone, raise my issue to a supervisor or gain any meaningful update about the status of the payment. I am going to be homeless in a few days and I really have no hope for remedying this situation
Consumer complaint received 2019-05-13
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. (GA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Bankruptcy chapter XXXX-dismissed # XXXX Unverified public record
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We took out a HELOC on our former home in XXXX  with XXXX XXXX in XXXX. Property was sold in XXXX and loan was paid off and closed. We started receiving monthly statements from Bank of America ( who acquired XXXX in XXXX XXXX in XXXX about HELOC advances. We had recently taken out a HELOC on our new property in XXXX ( BOA was servicing agent for XXXX ), and I made the payments as requested ( I did not check account numbers -family medical issues, husband travelling back and forth to XXXX for work - I didn't pay attention ). We were pursuing a refinance/reverse mortgage and credit report showed 2 obligations ( HELOC ). I went back through records and found the paperwork ( from XXXX ) with payoff, acknowledgement that the account would be closed and no further advances made, copy of payoff letter and check. I contacted BOA in XX/XX/XXXX ; customer service insisted the loan was never closed and we owed the money. When I said we had sold the property, the representative said it would now be listed as an unsecured loan. I requested transaction history, as well as documentation showing that we authorized the loan to be reopened, and provided copies of the payoff documents. The transaction history showed advances during a couple of months in XXXX. I pulled deposit history for all of our accounts for that period and none of the deposits matched the dates or amounts in the transaction history. I contacted BOA on numerous occasions, both in writing and by telephone, and always got the same answer. In XX/XX/XXXX, I received a letter from XXXX XXXX, a BOA senior mortgage analyst, who said the Bank 's records did not go back that far and they had nothing to show that the loan was closed. In XXXX, I was contacted by someone in their Mortgage Fraud Department who identified herself as " XXXX '' and said she was contacting me to try and resolve our claim. I returned the call and her voicemail message was " she was out of the office and unable to take the call. This went on for weeks and, in XX/XX/XXXX, we were able to talk to each other and she indicated that she wanted to '' start '' our claim and requested documentation. She also indicated that her investigator would be contacting us. No one ever contacted us. I tried calling again and got the same voicemail message. The investigator 's phone number ( given to me by XXXX ) was a non-existent number at BOA. My last correspondence with XXXX was XX/XX/XXXX and my last telephone attempt was XX/XX/XXXX. This loan was closed in XXXX. We never authorized it to be reopened, and the payments ( in excess of {$13000.00} ) were made by me in error. The bank has had the benefit of my mistake in payments since XXXX, and now they are purposely " kicking the can down the road '' and not addressing the situation.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have send transunion several letters disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX-XX/XX/XXXX. 2. XXXX-XX/XX/XXXX. 3. XXXX/XXXX XXXX-XX/XX/XXXX 4. XXXX/XXXX-XX/XX/XXXX. 5. XXXX/XXXX-XX/XX/XXXX. The last letter I send certified with return receipt and they have ignored my letters and disputes. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and serious breech of my privacy rights. Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Finco Holding Company LLC (UT)

I have asked the company on several occasions to only contact me through us mail or email. 
The most recent contact attempt to locate me was on XX/XX/XXXX when they called 3 of my relatives who were included in my Cease and desist and those same relatives have asked the company to not call them as well. Due to pending small claims court action through XXXX Justice Court I had requested a copy of my entire file and you will see below is a list of the companies memos made on my account from different employees, 17 different times they have made notes in my account as far as a Cease and desist account. However they continue to contact me and continue to contact my references while I have included them in my requests to not contact. They have my current information to locate me as we have ongoing litigation through the XXXX justice court, There is no reason for them to continue to contact my references when I have told them to stop. My references have also told them to stop calling. Most recent calls were on XX/XX/XXXX. I have written documentation to show my requests and the company continues to ignore those requests. 

XX/XX/XXXX Called refs XXXX XXXX w/XXXX, Asked DNC @ XXXX XXXX XX/XX/XXXX Called XXXX, I called back asked again DNC @ XXXX XXXX XX/XX/XXXX Called XXXX, asked DNC @ XXXX XX/XX/XXXX Called asked DNC @ XXXX XXXX XX/XX/XXXX Called, I hung up on the caller @ XXXX XX/XX/XXXX Company acknowledges DNC on file XX/XX/XXXX XXXX ( employee ) will talk to XXXX to see about calling @ XXXX XX/XX/XXXX email, I explain DNC only written communication thru email @ XXXX XXXX XX/XX/XXXX email, I request no phone calls or emails only XXXX  mail communication @ XXXX XX/XX/XXXX Company acknowledges Email only on my file @ XXXX XXXX XX/XX/XXXX I emailed regarding credit bureau reporting was given the wrong information entirely XX/XX/XXXX Company acknowledges DNC or email @ XXXX XXXX XX/XX/XXXX Company calls refs - XXXX and XXXX although its marked DNC @ XXXX XX/XX/XXXX I ask  again DNC me or refs @ XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XXXX I have sent an email to the Branch Manager, XXXX XXXX and CC 'd her Regional Manager Mrs. XXXX addressing my concerns twice on XX/XX/XXXX and XX/XX/XXXX I received no response from either in this matter.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 - 30 days late! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

A collection account recently appeared on my credit report for a XXXX bill in the amount of {$1300.00}. This account keeps appearing on my credit report with a new collection company. This information should be immediately BLOCKED and the credit bureaus should not allow this erroneous account to continue appearing on my credit file.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to express my ongoing frustration and concern regarding several items on my credit report that I have previously disputed. Despite my efforts to rectify these inaccuracies, my disputes seem to have been ignored. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (LA)

On XXXX XXXX,2017 I used online payment and paid credit card and used the wrong XXXX checking account ( which belongs to my ex husband not myself ) .by mistake. Within a few days received phone call from my ex husband informing me of the mistake. I immeadiately called Chase and asked them through their knowledge how to handle this transaction and reverse this payment back. Since no actual payment was due on the card at the time it was not a big issue the woman informed me and she would handle the problem. A few days later I looked at my account and noticed not only did she retiurn the pay payment but she reversed a second amount of {$300.00}. So Chase actually created 2 transactions out of the one transaction. Because of this they paid an extra {$300.00} to XXXX XXXX which is a mistake. Therefore they are charging this mistake to me and my account. I am not the reciver of the money on the other end and have asked for the return and they refuse to correct their mistake that I at no time approved. So not only did they protect themselves with the return, they paid an extra {$300.00} and charged it to me. I have spent over 7 hours on the phone being misled, yelled at and lied too. I finally got to the payments department where I asked could they please investigate the problem and get to the bottom of it and please give me my money back. I was yelled at and told no too bad and to XXXX it up. I would just have to pay for the mistake, it clearly is a mistake on someones part at the bank. And it is unfair that they charge me for the mistake..
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CO)

I had a collection from XXXX from 2 years ago that I paid in 2015 with the company. However, a new collection for the same amount was put on my credit report from a different collection company who is saying that i still owe the money. They wo n't accept any information that i have showing that it has been paid and say that they do n't care. I do n't want to pay the same collection twice especially when i disagreed with the amount the first time from the phone company.
Consumer complaint received 2017-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

TransUnion -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (SC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I created a acct with Equifax online for XXXX monthly to get my credit score. The purpose was to be able to see all 3 bureaus info and XXXX score ongoing. I was informed by the credit repair company that is working on my credit that they could not see all 3 bureau info or XXXX  scores. After Equifax have taken XXXX every month from XX/XX/XXXX to XX/XX/XXXX I called in on XX/XX/XXXX explaining to a customer service representative about what services I thought I was paying for I explained in detail what i needed. I realized that the representative didnt sound sure that he understood what I wanted so I requested to speak with a supervisor. A supervisor was then put on the phone and I spent time explaining in detail about what service I needed. Supervisor explained to me in detail what needed to be done. I was told that it would cost me XXXX one time to get what I needed from Equifax. Thats all 3 bureau reports for 30 days and because Im a customer already thats y I would only cost that this month. However every month after itll be XXXX when I end my monthly XXXX subscription. The supervisor took my payment of XXXX and told me that the XXXX was processed for the month already as well. Supervisor asked did I want him to delete the subscription then or did I wan na call back. I had already logged out and back in and saw everything I needed upgraded. I told Supervisor I saw my acct updated and everything looked great and he could delete old subscription if he wanted while I had him online. On XX/XX/XXXX around XXXX I logged n my account and nothing was there. I called n for a customer service rep. and a supervisor to say they couldnt help me after they see more than enough money was paid to them with no services provided at this time. They r thieves and I want my XXXX and my XXXX as of XX/XX/XXXX with no services at all from. Equifax. Bad service
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TN)

According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.