davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/year> I disputed the accuracy of debt on my credit report and the following items were deleted off of my reports except Experian. I reached out to Experian for an explanation but they said " All the accounts are 100 % verified. '' Because of this I decided to reach out to the following creditors to validate the accounts 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  I sent debt validation letters to the individual creditors to verify my debt since Experian said everything was verified and only received one response. 

That response came from XXXX XXXX XXXX XXXX XXXX XXXX. The creditors response said the debt wasnt able to be verified and will be deleted shortly. Which contradicts the previous information I received from Experian. 

It has been 30 days since I sent the debt validation letters and based on the provisions of the Fair Credit Reporting Act, I demand that these 5 items be removed from my Experian report based on not receiving a response within 30 days and the creditor not verifying debt 15 U.S.C. Sec. 1681i ( a )
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-04
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MA)

Had life-humanitarian event XX/XX/2018, notified cc company XX/XX/2018. Have been ready to pay in full since XX/XX/2018 and have since closed account. The resolution is to change the way it is being reported on my credit report to accurately reflect true paid in full with no delinquencies. cc company is refusing to update reporting this account from charge-off to removal or paid satisfactory.
Consumer complaint received 2019-08-25
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. (GA)

Equifax has reinserted 3 accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that were previously deleted and didn't notify me after years that the accounts were being placed back on my credit report.The XXXX XXXX XXXX XXXX XXXX accounts were reinserted earlier in the year and the XXXX XXXX XXXX account was reinserted in XX/XX/2019. Equifax was required to advise me that the accounts were being reinserted but never did. Equifax has repeatedly done this over the years and I have submitted several requests to remedy this situation.
Consumer complaint received 2019-08-25
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: Fidelity National Information Services, Inc. (FNIS) (OR)

Based on my CD application, XXXX XXXX declined my deposits on XX/XX/19. 

Their decision was based in whole or in part on information obtained in a report from the consumer reporting agency XXXX XXXX , XXXX., Attn : Consumer Relations, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Immediately, I requested a copy of their report, electronically, on their own website. According to them I should have received it within 5 business days. However, until XX/XX/19, I did not receive any report. 

I send tried to call them WITHOUT ANY SUCCESS as well as a fax to them ( at ( XXXX ) XXXX ) on XX/XX/19. I did mention in the fax that I would approach govt. authority if I don't receive a report in a day or so. 

Thus, I am left with no choice but to complain about them, their IRRESPONSIBLE behavior towards Customers. 

Hopefully, your department will sort this out and I hope to recover my credibility that might have been affected by this FRAUDULENT reporting authority.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I reported all of these inquiries to the following Credit Reporting Agencies, XXXX Experian and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report. 

However these Credit reporting bureaus have refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2019-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

There are 2 Collection on my credit report. 
Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX XXXX I settled with Jefferson Capital on XX/XX/19 I sent a copy to to XXXX XXXX and to XX/XX/XXXX Showing it was paid but its still on my credit report and it shouldnt be
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/XXXX my wife and I were talked into purchasing a solar panel system from XXXX XXXX XXXX. We resisted but were finally convinced by the argument that we would be able to pay the financing fees from the money saved on our electrical bill. This very soon proved to be false and in XXXX XXXX  XXXX we made a complaint to the Division of Consumer Affairs, Tennessee. We strongly requested that the solar panels and associated equipment be re-possessed and all monies paid by XXXX returned to them. Didn't happen. 
In XXXX XXXX  XXXX we were informed by the DCA that XXXX XXXX was put under receivership by the states of Tennessee and Kentucky due many complaints like ours. We repeated our request for the equipment to be re-possessed and informed XXXX of this. Still didn't happen. 
XXXX are now chasing me for payments on the loan, calling me with threats of damage to my credit. 
We can not afford both the electric bill and financing payments as we are XXXX  living on social security. I have spoken with XXXX telling them that they are very welcome to send a technician to remove and re-possess the equipment.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2019 I deposit {$490.00} to be exact in my account. I then received a bank of America text alert to my phone that after noon which stated that my account was overdrawn & that my funds are on hold do to someone else saying that I use there ssn number. So the bank ask for verification to state that my ssn belongs to me which I fax my social security card over to the company. Also fax over a letter from the social security office stating that they do not give out verification letters anymore which is what my bank is asking for to release my funds. I am asking the bank to release my {$490.00} I deposit into my account & close my account because I no longer want to do business with this bank again!
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (FL)

I have tried to call this company several times and speak to someone that is willing to listen and help. They have placed on my credit report for XXXX XXXX XXXX at which I have called to try and have the debt verified, the owners are new owners and therefore do not have the ability or can not verify the information. 

I have asked several times from this collection agency to pass me along to a supervisor and they either argue that there is no other person to speak to or hang up. 

I would like this rectified for I am trying to buy a home and this is not allowing me to. 
I am willing to settle for 1/2 but cant get that far in the conversation. They want a full amount and I am not paying that for they cant even properly verify the information. 
I just want this deleted from my credit reports!
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I had filed a joint tax return and the check, for {$5300.00}, was made out to me and my wife. She is out of the country and because of marital problems she probably won't come back here. I tried to deposit the check in my account at XXXX  and they would not accept it without her being here. I also tried to open an account at XXXX XXXX but it was the same with them. I was assigned a taxpayer advocate by the IRS and she said that Chase Bank would accept it as a third party check. I called Chase on XX/XX/2019 to confirm and they did. I have them all the information about the check and they said they would take it without a problem. I opened an account at Chase on line later that day. The next day, XX/XX/XXXX, I went to a nearby branch to make the deposit. I double checked with a man I think was a manager to confirm they would accept the check and he confirmed they would so I made the deposit. The next morning I had an alert on my phone that my account was overdrawn by the amount of the check and my account was restricted and would be closed soon. I called Chase right away to see what happened. I was told that my wife would need to confirm that the check be deposited in my account ( we don't have a joint account ) and that they would not release the funds without her approval. I was told by the first few people I spoke to that if I could give them a US phone number issued in her name so they could call her to confirm. She is in XXXX and I'm not sure it is possible to get a prepaid SIM card I could send her, but the woman I spoke to at the CFPB said I should try. I have been working with a woman, XXXX, in Chase 's executive office to try to resolve this. Her number is XXXX ext. XXXX. It is urgent that I have access to this money as I am currently unemployed wait for SS XXXX, but at present I have no income, and rent is over due. I have been borrowing from family and friends and thought I would have the finds by now. I hope there is something you can do. I feel I have been robbed of this money. I was told they will hold it for 2-3 yeas and then release it to the state and I will be able to collect it as unclaimed funds. This doesn't seem acceptable. If their loss prevention department has decided not to release the funds to my account they should return them to me. XXXX is working on this, to get them to write me a new check, but she doesn't sound very confident when I speak with her. I hope you can help. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-08-25
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. (AZ)

I sent in documents 3 time to trans union On Account information disputed by consumer, meets FCRA requirements. I've told them I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. That why I'm also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against Tran Union and a lawsuit. 

FTC report number XXXX and XXXX
Consumer complaint received 2019-08-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have sent 3 dispute letters to Experian. One on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are violating my rights by refusing to dispute the negative accounts on my report. The other 2 bureaus have removed stuff because it could not be validated but Experian is saying they are all validated. But according to the Fair Credit Reporting Act for the accounts to be validated they have to be able to provide a signed contract or video of me signing a contract for them to be able to report an account. These negative accounts have not been able to provide such evidence therefore again violating my right per the FTCA. Per the FTCA Experian could be fined {$1000.00} per violation should I choose to take them to court. I am trying to avoid a court proceeding by working with the CFPB and Experian to fix the problems on my Credit report.
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: We Collect Inc (OR)

I had several visits to XXXX XXXX XXXX for medical treatment. I paid the invoices in installments and I believe paid in full. I received a notice from Atlas Financial Services, XXXX XXXX XXXX, XXXX, WA XXXX advising my account had been assigned to them for collection of {$260.00}. 

I disputed within the 30 day time frame as I my accounting indicated I had paid XXXX   XXXX XXXX in full and needed documentation verifying the debt. On XX/XX/19 I received a letter from Atlas indicating that I had to sign a form waiving my HIPAA Privacy rights to give Atlas access to my medical records. I refused to do so and do not see any reason I would have to provide access to my private medical records in order for them to provide evidence I owed the debt. 

I did not hear back from Atlas until today, XX/XX/19, when I was served in XXXX County Oregon for {$250.00} + {$55.00} + {$45.00} in fees. I will pay the full amount to make this all go away ; however, Atlas Financial Services did NOT provide me any documentation validating the debt and therefore violated the Fair Credit Act.
Consumer complaint received 2019-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Ascendium Education Group (KY)

In a nutshell, XXXX in-house collections agency committed fraud by lying to the Federal Government in order to procure my federal tax refund. In XXXX of XXXX, after I became unemployed, I called XXXX to set up a payment arrangement for my defaulted student loans. Being unemployed, I could only set up a minimum payment of {$5.00} at the time. I was told by the supervisor ( who refused to give his name ) that amount was unacceptable. I told him I could not afford anything more, to which he replied that they would just submit a wage garnishment to recoup payment. I then informed him that I was unemployed so a wage garnishment would be a moot point. This upset him. I also asked to only be contacted via USPS, because I was tired of their repeated calls daily ( upwards of 5-6 calls daily ), which angered him further. I again offered the $ XXXX/month payment, he again refused it and said there were other ways to get me to pay and ended the call. Fast forward to XXXX of XXXX, and Im due my federal tax refund. On the day it was to post, it was offset by XXXX, in the amount of {$3000.00}. I called to inquire about the offset, and was told by the representative ( XXXX ) that the offset was entered at the end of XXXX due to failure to make payment arrangements with the collections agency. This is where they committed fraud! I did try and make payment arrangements, the collections agency refused the amount. They then told me that I had to contact the collections agency again to set up a payment arrangement. So I did, and was placed on their rehabilitation program where I am required to make ... wait for it ... a payment of $ XXXX month! The EXACT SAME payment I tried to make in XXXX. The collections agency LIED in order to procure my federal refund, which Im pretty sure is illegal, hence my use of the term fraud.
Consumer complaint received 2019-08-25
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. (CA)

My XXXX XXXX  / XXXX XXXX account was removed from my Equifax credit report. I recently had an unauthorized charge due to fraud and reported the charge as fraud. XXXX XXXX sent me a new credit card with a new account number. However, the old account was removed from my Equifax credit report and the new account never reported. 

The following is email correspondence with XXXX  : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX  Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX issues your account and responds to all credit related inquiries. 

I am happy to go over your account with you. The accounts are reported electronically to the three major credit bureaus every thirty days. The account was reported on XX/XX/XXXX as " Current Account. '' Please allow up to 45 days for the credit bureaus to update your report. Thank you! 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My XXXX XXXX XXXX XXXX account is not being reported to Equifax. The account was removed in XX/XX/XXXX after I reported fraudulent charges made to my account. 

It is reporting to XXXX  and XXXX with the remarks " account in dispute ''. 

Can you please see that my account is updated and the trade line reinserted to my Equifax credit report? 

Thank you
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NY)

I asked for a refund for online exams purchased XX/XX/XXXX, totally in the amount fo XXXX , from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The merchant emailed me with approval of the refund. I never received the refund in my PNC virtual wallet account. On XX/XX/XXXX I contacted the merchant via email with no response. On XX/XX/XXXX I sent another email to the merchant followed up with a phone call wherein the merchant denied having the funds of XXXX $ since having " process the refund request on XX/XX/XXXX ''. After waiting to deal with the merchant directly I was out of the 60 day window period that obligates PNC to deal with a transaction dispute. I filed an out of window dispute request with PNC anyway wherein PNC did not look over my case and simply said they would not approve the dispute because it was past the 60 day window. I filed this out of window request because it is out of window- there should be more consideration and reasoning as to deny the request than stating that it is out of the 60 day window. I do not believe PNC fulfilled its obligation to not facilitate fraud by allowing the merchant to fraudulently keep my XXXX $ via not looking at my case.
Consumer complaint received 2019-07-09
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. (GA)

Only disputed one account which is XXXX XXXX XXXX not my account. As Equifax requested, I sent a request to the creditor XXXX XXXX XXXX via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX and XXXX have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter Equifax. XXXX. Requesting monetary value of $ XXXX from Equifax for value of reporting account as it is damaging my reputation. Will seek damages from company also.