davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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: Experian Information Solutions Inc. (IA)

Contacted expirian about a hard credit pull by experian business credit that I did not authorize, they informed me on a recorded line that they could not even look at unless I paid {$1.00} they said this {$1.00} would allow then to view to view all three credit agencies and monitor services informed them I do not need this service that would charge {$19.00} after seven day then when I informed them I needed this unauthorized inquiry removed she informed me it would be a {$75.00} fee for some they are required to do by law I told her that I was not interested and to cancel whatever they were trying to charge in 7 days on a recorded line she agreed and told me it was canceled. But of course when I awoke I saw they charge me {$19.00} any for some XXXX XXXX NONESENSE which is what experian was pitching and I canceled when I called experian they noted that it was canceled but I had to also call a 3rd party XXXX XXXX AND opted out XXXX  I didn't I was even a member so I call this 3rd party who promptly told me there are no refunds and I told them that they and experian were running a scam they then they agreed to a refund I filed this report for 2 reasons one to make consumers aware and secondly to have this hard inquiry remind as they are required to do by law. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (CA)

I only listed in step 5 The information given is true because so far these people have not contacted me by mail I do not want them to have my address they only done contacted me by my cell phone number. 
Thank you please do not release my home address. 

The company listed below see ** has been calling my cell phone. Then they texted me this false information on XX/XX/year>, see below text message**. I XXXX  the company name and found several XXXX  complaints against this company placing false amounts due to XXXX XXXX account on their credit report. I never had an XXXX XXXX  account and I'm requesting that this be investigated before whomever these people are try to put false information onto my credit report. I checked my report before I sent this complaint as of now it's not showing on my credit report. I would greatly appreciate this fraudulent calling and texting to my phone number stop immediately! Thank you in advance for your prompt help. 

**Credence Resource Management, LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$1400.00} for only {$880.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$560.00}. You can also pay in parts. Call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The XXXX XXXX and XXXX has been trying to force me into a contract for financial gain without my consent! I NEVER signed a contract with this company. I NEVER gave this company my social security number ; this is Identity Theft! I have reached out with this company several times and no response!
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wertjes Atkission Law PS (WA)

My mother entered an assisted living facility at the beginning of XXXX. I held power of attorney over her medical and financial responsibilities. When filling out the paperwork I was very specific to the facility manager that I was signing on behalf of my mother as I held power of attorney and she was unable to sign for herself. They were completely aware of the situation. I however did not know I needed to put POA after my name. I think they knew this and did not disclose to me. The facility acted very understanding and said that they would help get the VA benefits and medicaid to pay when my mothers money ran our. My mom passed in XX/XX/XXXX. Her money covered all but the last 6 weeks which was about {$6000.00}. We were told at the beginning that the VA when processed would back pay but since my mom passed before they had completed the paperwork they stopped trying to recieve money from the VA and went straight to me for payment. I spoke with the facility manager and she did a total about face about the situation and said " if I was signing as my mother why didn't I put POA after my name '' and they " would never have allowed her in if their wasnt someone who was personally responsible for the debt. '' This was never spoken about when my mom entered the facility. I refused to pay and they sent me to a collection company who until recently did nothing about the debt other than send it to the credit bureau. I recieved a phone call from the collection agency in XX/XX/XXXX and I told them that this debt was not mine and I wou ; d not be paying it. They took the information and I did not hear from them again. Yesterday I recieved a letter from Wertjes Atkission Law, PS The letter stated I had 5 days to pay the debt to the assisted living facility or I could face legal issues, additional interest, and legal fees. I feel this is a scare tactic and done as a threat. This isnt fair as at this point with interest already accruing it would be impossible for anyone to come up with that kind of money in 5 days. Plus the letter was dated XX/XX/XXXX and I did not recieve the letter until XX/XX/XXXX. The 5 days already pasted. The letter also did not state any other options or contact information.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I've tried to apply to a bank and was told that Chexsystems has a security freeze on my account. When i contacted Chexsystems they told me that there isn't a security freeze on my account and couldn't disclose why i was told there's a credit freeze. I tried to apply to a XXXX  credit union, who told me the same thing, that Chexsystems has placed a security freeze on my account. 

I want the security freeze permanently removed from my credit report and file at Chexsystems and XXXX
Consumer complaint received 2020-07-06
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. (IL)

I filed a police report and affidavit and mailed it to the credit bureaus and the creditor XXXX. XXXX stated they told the credit bureaus it was fraudulent, but XXXX and transunion refuse to correct the issue. XXXX keeps changing my information in their system without my permission. I gave them my address and phone number. I had the police and discover call with me, but XXXX kept hanging up the phone on us. I want my correct name, address, and phone number on my file and the fraudulent accounts from XXXX XXXX XXXX and XXXX removed. They have wrong employers listed form me that I want removed as well. This is how my identity has been stolen XXXX times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My information such as my social security number and address and other personal information was breached in XX/XX/year> twice by two different companies. I put a freeze on my credit report as soon as I was informed in writing. I now have to check my credit report every week because XXXX, Experian and XXXX, Bankruptcies and debt collectors are sharing my personal information to third parties without my authorization and or written consent. According to 15 U.S.C. 1681 b ( 2 ), this is illegal. I would like to have all negative items removed from my credit report immediately.
Consumer complaint received 2024-05-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC. (CA)

I am writing to file a formal complaint regarding unauthorized charges made to my debit card ending in XXXX, associated with my account number XXXX, processed by Healthcare Finance Direct ( HFD ). These charges were initiated on behalf of the merchant " XXXX  XXXX XXXX '' without my consent or authorization. 

Around XX/XX/scrub> 2022, I visited the XXXX XXXX XXXX clinic for an initial consultation regarding their teledentistry services. However, following careful consideration, I expressed my discomfort with their service and the methodology of their teledentistry approach. Consequently, I did not provide authorization for any further transactions on my behalf. 

Despite my explicit disapproval and absence of consent, XXXX XXXX XXXX unilaterally proceeded with an order, resulting in unauthorized charges totaling {$2600.00} being debited from my bank account. These charges consisted of XXXX transactions of {$88.00} each and XXXX transactions of {$25.00} each, all executed without my acknowledgment or approval. 

I wish to underscore that I neither received the product nor authorized any transactions beyond the initial consultation fee with XXXX XXXX XXXX. Therefore, I demanded an immediate refund of the total amount unlawfully deducted from my account by Healthcare Finance Direct, amounting to {$2600.00}, to be processed by XXXX. 

Additionally, despite thorough tracking efforts and a tracking number provided, neither USPS nor XXXX databases yielded any information regarding the package purportedly sent by XXXX XXXX 

Furthermore, I requested Healthcare Finance Direct to promptly receive a copy of the XXXX XXXX agreement containing the alleged approval of these charges.
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Elevate Recoveries, LLC (TX)

Ive filed multiple complaints about this same bill when it was with previous agencies and its being sold over and over. I do not appreciate this. I have yet to receive an itemized statement. I was rudely hung up on by XXXX XXXX out of XXXX XX/XX/XXXX. I contacted them and spoke with a supervisor named XXXX and asked them to stop calling me. They called me again today, XX/XX/year>. I called them back and was spoken to very rudely. I would appreciate for this collection activity to cease.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

XXXX ( XXXX ) has taken XXXX  of dollars ( XXXX ) out of my bank account and over ( XXXX ) off of my Discover credit card. Saying it for ad on XXXX. Why would anybody pay that type of money for ads? It makes no sense. If a ad was advised as XXXX or XXXX and they are fraudulent and scamming using people credit cards to increase the amount against their knowledge and not their consent.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Neon Newco Corporation (FL)

The institution has suspended my overdraft services for excessive use when I have not even went over their monthly allowed limit. This is called a financial strain and under these hard times and hard situations when you allow overdrafts and put your account in the negative for such optional services and pay the fees for that services then you should spend them you make that money non-available to the positive balance making a deficit so not only did you let me go in the whole, the money you charge ( big fees ) so I almost paid triple and I can not re-access my overdraft to keep me from having a financial hardship the high cost service occured.
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

I received 1 letter in the mail that looked like a postcard in regards to this debt from Capio Partners. I had no idea what it was for and when I XXXX the company name there is a lot of bad reviews that this was a scam. When I called to get more information and possibly settle the debt, I was not helped. The guy asked for my full social security number which I was not comfortable givign over the phone ( espcially since I had no idea what this was about. ) When I offered to give him my birthday of XX/XX/XXXXhe said that was not my birthday. I was then disconnected from the call. I honestly thought this was a scam sicne he said that wasn't my birthday and asked for my full social. I have no clue what this debt is for or from when it was and I have not recived any other type of letter or communication regarding this. I was made aware of it being placed in collections due to a XXXX XXXX alert. Please remove this from my credit report as a derogatory mark.
Consumer complaint received 2024-04-22
Product: Credit 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: DISCOVER BANK (NY)

I experienced identity theft, resulting in unauthorized access to my email, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and Discover accounts. Fraudulent charges appeared on my XXXX, XXXX, and Discover cards. XXXX and XXXX acknowledged the fraud and credited my accounts accordingly. However, XXXX denied my fraud claim citing several reasons : I had made payments to the account ; a XXXX Pay account linked to a previous phone number of mine was used for transactions ; there was access to my Discover online account which I failed to report as fraudulent ; and the FTC did not respond to their inquiry. I explained that these were consequences of the identity theft itself, making it unjust to use these as grounds to deny my fraud claim. Moreover, I am puzzled by XXXX 's failure to detect hundreds of suspicious charges and their decision to increase my credit line XXXX  during this period, further exacerbating the situation. Despite being a loyal customer for over XXXX  years and their promises of XXXX fraud liability, Discover has not supported me in this critical time but instead sought reasons to deny assistance.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TN)

XXXX My spend account through Credit Karma was frozen with no apparent reason or notice. I didn't know it was frozen and I attempted to make a purchase at XXXX in XXXX Indiana for the amount of XXXX. It was declined. I called Credit Karma and gave my information, thinking it was quickly be resolved. I could not understand the associate I spoke with and she had difficulty understanding me. She said they could not unfreeze my account because I had " gave her the wrong information " She apparently then sent my account to the fraud department. 
I called again and provided name, email, phone number, last four of social security number and recent transaction amounts. She then told me that she couldn't provide any information to me but that they were working on it and refused to tell me anymore information about when I can access my money. I have been told to wait for an email with " the next steps. '' It has been XXXX hours since they froze my account and I have yet to receive an email or any type of information, let alone access to our money. 

In the meantime, we are stranded in Indiana on our last night at our XXXX and Credit Karma has taken every XXXX I have hostage. Please god help me get access to my account, I did nothing wrong here I just tried to buy bras to wear to my son 's campus tour at the university here.
Consumer complaint received 2022-08-14
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: Santander Consumer USA Holdings Inc. (GA)

In accordance with the Fair Credit Reporting act Santander Consumer Usa, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (TX)

I am filing this complaint because Credit Bureaus ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2018-05-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (OH)

I want to terminate my lease earlier than when the lease is supposed to end and return the vehicle to Volkswagen. 

They have told me that this is possible and that they can give me a payment plan for the amount I will owe instead having to pay the entire balance at 0 % interest ( one reason I want to do this payment plan ). I estimate I will owe them {$2400.00}. 

However, they will not show me or write to me in writing how this payment plan will affect my credit report and how the lease is currently being reported. 

I am concerned that doing this payment program could negatively affect my credit history but they say that this would not be the case.
Consumer complaint received 2024-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (AZ)

XXXX property taxes due are {$1300.00} The first payment of {$680.00} is due by XX/XX/XXXX and late after XX/XX/XXXX. I called on XX/XX/XXXX to let them know they needed to pay and they were going to be late. They say they made a payment on XX/XX/XXXX. The county never received it. I repeatedly told them it had not been paid and that late fees were accruing. They paid some late fees. I still told them the county had not received the tax payment so on XX/XX/XXXX they made another payment of {$680.00} to pay the same taxes. 

I keep explaining to them that the first check on XX/XX/XXXX has never been received by the county and asking for a copy of the check or some proof that it has been cashed or it needs to be put back in my escrow account. 

My second payment of $ XXXX is due XX/XX/XXXX and late by XX/XX/XXXX. 

Additionally, during now they are telling me that my taxes to XXXX County are paid and not due again until XX/XX/XXXX. MY PROPERTY IS NOT IN XXXX COUNTY and I do not know where they got that information.
Consumer complaint received 2021-01-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX agreed to adjust my account to reflect on time payment for XX/XX/2020. 

I sent the letter from creditor who stated they are going to update the reporting to experian and they stated that it was not sufficient to make any changes. They also did not provide the results. Their email stated that I could view the results " here '' but there was no hyperlink to view.
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc. (MD)

On XX/XX/year> at around XXXX XXXX, I contacted the American Collection Enterprise , Inc. ( ACEI ). I was transferred to an agent, who I asked to please explain the letter that I received from their group. The agent placed me on hold, came back on the phone stated the bill amount and then stated " we accept, debit or credit cards '' ; I reminded her I needed to understand the letter and then she quickly transferred me. That is when I was transferred to XXXX XXXX ( I may misspell the lastname ). I explained to XXXX, that I need to understand the bill and what it is for, she read the bill is from XXXX XXXX XXXX  XXXX XXXX XXXX  and I owe them {$140.00} for XXXX. My XXXX rights are violated given that my purpose to the medical center was exposed. When I asked XXXX XXXX to clarify, she fostered up a very defensive attitude yelling that she needs to finish talking. I asked her to provide this information over email, she stated that she can not. I asked her if she is refusing to provide me with the information that I am requesting, she then started shouting on the phone at. I remained calm and told her not to yell at me and then she continued yelling and hung up on me. I called back, and a man answered and placed me on hold. The man answered and asked for my name I told him my name and asked for his, his response XXXX XXXX, he was rude stating that I am just now telling him my name when I repeated it. This agent then hung up on me. I called back this agency numerous times trying to reach someone to help me understand and come to a solution about this debt, no one answered my calls following this encounter with XXXX and XXXX XXXX. When I called, XXXX XXXX 's voicemail stated that XXXX XXXX can not answer the phone. I also got directed straight to voicemail for XXXX XXXX and XXXX XXXX. Throughout the day I tried to call this agency from numerous numbers on their contact page, people would continue to avoid my calls. I need to understand the debt and this is very unprofessional, vindictive, revengeful, sabotaging and spiteful