davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

I want my credit report updated and the harrassment from collectors to stop. 
I got free legal help from my community action center ... filed bankruptcy chapter XXXX. I'm XXXX on Social Security and tired of being bullied. I called all 3 credit bureaus, and each of them have the rudest, clueless representatives. 
My discharge date was XX/XX/2018 and I was informed by the court that I would no longer be harrassed and my creditors would have no recourse, credit report updated. Etc
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IL)

I obtained a store credit card - XXXX XXXX XXXXssued by Comenity Bank. The store manager offered me 0 % for 24 months and I made a purchase of furniture. When I received the statement I realized the XXXX XXXX put the wrong terms on the card - 1 year instead of 2 years that I agreed to. I called Comenity to make them honor my chosen terms and they haven't done anything about it. I called Executive Managment at XXXX XXXX and they promised they would fix it and the account is still billed wrong, for minimum payment of {$1000.00} instead of a lower amount. To make things absolutely worst, Comenity reports 4 late payments on credit reports that is very damaging to my up until now perfect credit history. 

I am seeking your help with this that they correct my account and remove the late payments as this is admittedly their negligence on my account, and not mine. 

Thank you. 

I am including the documents evidencing this problem.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

Some one retrieved my information and opened a Zales credit card in my name before I turned XXXX I reached out to Zales and was told I'm responsible for this debt I'm a senior in high school with no job. I don't know how this was possible being that I'm a minor. I'll be starting my life once I graduate high school with credit impact due to identity theft Zales account is over 3000.00 opened in XX/XX/XXXX/XX/XX/XXXX
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AZ)

On XX/XX/2021 I tried making a purchase through XXXX for {$250.00}. The transaction was DECLINED. However it still withdrew the money from my account. Called XXXX and was told needed to file a dispute with my bank ( card issuer ) because since the transaction declined they have no record of it therefore cant refund my money that they didnt receive. Filed a dispute with Simple/BBVA on XX/XX/2021. On XX/XX/2021 received an email from Simple/BBCA saying it was denied. 
The reason ( s ) for denial : -Your assertion of error does not conform with facts and transaction activity. There is no evidence that an error took place. 
-There is no evidence that this is a duplicated charge. Each transaction has their own identification and authorization code. If you believe there is still an error, please make sure to reach out to the merchant for a refund. 

Im out {$250.00} that I desperately need and XXXX says that!
Consumer complaint received 2019-06-09
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. (TX)

THEY ARE TREATING MY XXXX LOANS AS FEDERAL LOANS WHEN THEY ARE PRIVATE LOANS ... NOT FOLLOWING FEDERAL REGULATIONS FOR 7 YEAR REMOVAL. XXXX IS UNDER LAWSUITS DUE TO COMPLAINTS SUCH AS THESE. THEY ARE FRAUDULENTLY STATING MY LAST PAYMENT INCORRECTLY. 

* Examples Attached * THE ACCOUNTS ' DATES CAN NOT BE REPORTING CORRECTLY. LOOK AT THE DATES OPENED AND THE DATES CLOSED. LOOK AT THE LAST PAYMENT MADE ( STILL INCORRECT ... NO PAYMENT EVER MADE ) AND HOW LONG UNTIL THE ACCOUNTS WERE CLOSED ... 

Remove all private student loans, especially XXXX and XXXX ( and previous owning companies ), from all credit reporting agencies. Correct the last date of delinquency, as well ... there was never a payment made, and they stated that a payment was made, when they were trying to collect on accounts, which were too old to collect on, at the time that they report receiving a payment, etc ... furthermore proving their illegal activity. The accounts should have been removed off of my reports, before they stated that they received the last date of delinquency payment. No more collections should have been made, at that point. 

Thank You for Your Time, XXXX XXXX Original Message : To Whom It May Concern : ALL XXXX AND XXXX Accounts are too old for reporting to the credit bureau 's, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from XXXX, and before XXXX acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX-XXXX-XXXX  XXXX  XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (LA)

I called XXXX to make a payment on a bill I owed. They informed me they sent the account to collections. I asked for the collector and the informed me Cain and Werner. After speaking the collector on XXXX XXXX, XXXX setup an arrangement to pay them monthly {$51.00}. I also made a payment on that same day. Then, on XX/XX/XXXX I was notified that I have a new collection account. That is illegal they didnt provide me with 30 days to respond to the debt before putting it on my credit report. They didnt know whether the debit was valid or not but they decided to add it anyways. I wasnt notified at all. Did receive any letter, phone calls, emails or anything. If they were sending letters, it probably went my old address XXXX. XXXX XXXX XXXX, La, but I have been gone from that address for over an year. If you read the complaints on this company theyre always doing illegal XXXX. Ive been hung up on 10 times and the service it XXXX!! Ps** Ive attached a screen shot from my bank. The transaction happened on the XXXX but posted to my account on the XXXX. I work at bank and transactions takes two to three day to hard post.
Consumer complaint received 2017-12-17
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. (NV)

I am checking my credit and notice a delinquent amount of {$84.00} owed to XXXX XXXX from XXXXX of 2016 and do not recall what this is. If I owe it, I would like to pay it and get it off my credit report.
Consumer complaint received 2020-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

Have been a customer for years - Promised rewards for transfers. 
Always sent money to XXXX, XXXX where my spiritual family ( which I have visited more than 3 times over the years ). 

Have been denied a transaction to an existing recipient and subsequently denied access to all services from XXXX XXXX without explanation. 

In these times of need, it affects people personally. 

No response but still marketing emails showing 'Points ' available.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy. 
XXXX is involved in a Car Loan Class Action. I demand these accounts be delete immediately. 

I've been sending equifax an original copy from XXXX XXXX XXXX stating for equifax to delete and default payments from my report and I have not gotten a response and it has been past 90 days with no response. 
My Information was impacted by the Equifax Data Breach
Consumer complaint received 2019-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (NY)

National Recovery, the individuals allegedly persuing a debt of a XXXX XXXX bill, reported said debt to my credit report with no prior written notice of such claim, no account number associated with said amount due and no chance to pay debt, before they reported alleged debt to my credit. I deserve to have knowledge of said debt and a chance to reconcile such debt, before it impacts my credit score thereof. For such wrongful demeanor and unrelentness false reporting, I request the inquiry be removed. So, I have a chance to dispute such claim ( s ), before the claim has an impact on my CREDIT score, which National Recovery did not give me an option nor a written bill or any validation of said bill even existing prior to the reporting of alleged amount owed to the credit bureaus. 

Sincerely, XXXX XXXX ( Business Owner/Entrepreneur )
Consumer complaint received 2019-06-09
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: Riverwalk Financial Corporation (IL)

XXXX XXXX XXXX, Original creditor XXXX, i disputed this account with XXXX   because it was fraud account someone bought a car under my name and XXXX removed but XXXX wont remove it and i disputed it twice with them
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I need the mailing address to send in the requested documents that prove my identity. 

I requested a free credit report and I was sent a letter asking me to prove myself but no address was listed. 

Please help!
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

After receiving an email that my complaint has been completed from your website and I saw that Trans Union gave an answer where they pretty much said they would not delete anything. I called Trans Union on their XXXX number and the woman on the phone said that I did not meet the criteria to get the items that I needed deleted but at the same time said that she could not tell me how to meet the criteria because of some company procedure. I feel that this is extremely unfair and ties the hand of the consumer because If I dont know how to get it take it off my credit report and the credit bureau themselves will not tell me how then it ties that persons hands. Their procedure makes no sense from an investigation standpoint. Especially with the fact that I provided a police report ( and other crucial evidence ) about the identity theft/fraud, and they seem to be practically refusing to delete anything.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, Capital One threatened to sue XXXX XXXX, over an alleged credit card account. OnXX/XX/XXXX Debt Collector, XXXX, XXXX, XXXX  XXXX, filed a lawsuit as a courtesy to Capital One, in XXXX County Municipal Court. On XXXX, XXXX, XXXX, XXXX XXXX, signed for service of lawsuit. On XX/XX/XXXXXXXX XXXX, responded to lawsuit, via facsimile, at XXXX  ( XXXX ) XXXX, with the attached DEBT VALIDATION NOTICE, Answer, and 41 ( d ) motion, totaling six pages. The attached receipt will show that the court received only four pages, at XXXX  XXXX XXXX XXXX XXXX, because the validation notice is not a pleading. As of today,XX/XX/XXXX, neither Capital One, or XXXX, XXXX, XXXX  XXXX, have responded to the debt validation request within 30 days.
Consumer complaint received 2019-06-09
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. (FL)

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2019-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In XX/XX/2019, I conducted a review of my credit report. I found items that I was unaware if the debts actually were valid. Therefore, I began to dispute with the credit bureaus. Upon doing so, I received a letter stating that the debt was valid with a duplicate bill. According to FCRA laws, this does not substantiate the debt being valid, or, belonging to me. This company is known for such illegal collection tactics as well as failure to adhere to the laws of FCRA. Prior class action lawsuits indicate this. Yet, they still continue to engage in the same unethically and illegal practices.
Consumer complaint received 2019-06-09
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. (MD)

I had an investigation with Equifax through XXXX XXXX. I disputed XXXX XXXX account and the account was removed from my Equifax Credit Report for a few days. At this present time XXXX XXXX is reporting on my Equifax credit report once again
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (MI)

MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SXXXX XXXX XXXX XXXX THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TXXXX GET CARS, AND GOODS IN MY NAME
Consumer complaint received 2019-06-09
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: Experian Information Solutions Inc. (FL)

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (AZ)

Northstar Location call my home twice a day for months. I have already told them the individual they seek has not lived at this address in 18 years. They still keep calling. When I attempt to call back there is no answer. When I answer often times no one is on the other end. This morning I got a name of a customer service agent named XXXX. I informed him that I had requested they not call my home anymore and that I intended to report the company to the FTC and he hung up on me. 
Some of the calls : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX., XX/XX/XXXX XXXX XXXX., XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, This has been going on everyday for at least six months.
Consumer complaint received 2019-06-09
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. (FL)

Multiple incorrect accounts are reporting on my credit file : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX
Consumer complaint received 2018-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions (CA)

I went to the emergency room listed on my medical insurance card. I paid my copay. About a year later I got a bill from a collection agency with limited info about what the bill was for. I called and they said it was for an ER visit about a year ago. I paid the bill with my FSA. A few days later i received an email from our payroll company questioning the validity of the charge. I called the collection agency and asked for a description of the charge to provide to my payroll company as I needed to prove it was for medical expenses. They said that I would need to obtain this information from the creditor. I have not been able to get a hold of the creditor and have been put off by everyone else involved. The debt collector said its not their responsibility to provide me with this information. This bill was for a private contractor doctor who never submitted it to my insurance or myself. I never received a bill. The first time I received anything in regards to this was from a collection agency! This seems to be unethical at best. Now my payroll company is threatening to suspend my FSA and my wife is XXXX XXXX XXXX XXXX XXXX in less than a week. I XXXX the company who sent my debt to collections and they have lots of negative reviews from other people experiencing the same problem. They never send a bill, just send people straight to collections! There is something wrong with both of these two parties and they are working together to overcharge consumers. I have spent about 2 hours  every day for a week trying to obtain a receipt from this charge to provide my payroll company proof this was a valid charge. Please help.
Consumer complaint received 2021-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

Starting around XX/XX/XXXX, I receive a call every day around XXXX XXXX ( except maybe Sunday XXXX from phone number XXXX. I have not answered. Today, XX/XX/XXXX, I inadvertently called the number. I was trying to get the complete phone number so I could file this complaint. 

I heard a recorded voice that gave an amount owed, a notice of a convenience fee for collecting payment, and a website : sequium.com. There is no collection account information on my credit report, I've received nothing in the mail, and any collection debt in the past is paid and is at least twenty years old.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

I submitted a dispute to remove some incorrect information on my file and they claimed to have verified it even though the company said they could not validate the account. I personally contacted the company letting them know they were trying to collect on an invalidated account sold by another company and they were to cease collection and the credit reporting agency still has not taken it off. These accounts need to be removed.
Consumer complaint received 2021-05-03
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. (FL)

Third party re [ orts incorrect credit FICA score- es and the Price You Pay for Credit Your Credit Score Your credit score XXXX Source : XXXX XXXX, XXXX.Date :XX/XX/XXXX This is on ongoing problem becuse third parties NEVER have complete correct data. This caused me financial hardship!! ONly aa suit will suffice!
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

Equifax : Keep disputing addresses, receive notifications NUMEROUS TIMES the addresses have been deleted however the addresses are still listed!!!! There's a XXXX XXXX ( Never had one ) & XXXX XXXX XXXX. ( I lived at the XXXX AND A XXXX NOT XXXX XXXX XXXX ) Could you please make this happen once and for all? I can't tell you how many times I've disputed & received NUMEROUS responses they have been removed. It's under " Your Identity '' THANK YOU SO MUCH!!!