davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions, LLC (KY) (NC)

I keep receiving an invoice from a so-called debt collection company for medical procedures that my Insurance company said they did not bill me for. When I call the number on the invoice to talk to someone, no one answers, and a recorded message from a woman who sounds like she has been smoking for 100 years says I have to leave a message. I did not leave a message because I already called my Insurance Company to find out that all of my pathologies were sent to a completely different company. Plus I was not at the doctors on the day they claim the service was completed on. The letter implies it wants you to reach out to them so they can obtain additional personal information on the person they are scamming. The only info they have is my address which is public information. I just wanted to report this so others do not fall for this same scam. 

Information from the invoice includes : Company Name : CREDIT SOLUTION $ LLC Collection Amount : {$240.00} From : XXXX XXXX XXXX Date of service : XX/XX/22 NC XXXX XXXX XXXX XXXX # XXXX Account # XXXX Thanks
Consumer complaint received 2020-07-07
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

On XX/XX/XXXX, while on the trip to XXXX, the country was about to close its border due to the quarantine. Our return flights ere cancelled and i had to purchase another tickets from XXXX XXXX through the travel agency XXXX. 
I never received confirmation email from XXXX. Only two hours later, i received cancellation email from XXXX. I was then forced to buy another tickets from another company. 

But on XX/XX/XXXX i saw the 2x {$370.00} from XXXX on my Citi Card. XXXX was able to find my booking number, but told me to contact the XXXX to received either credit or refund. 
I called XXXX and they said they can not find any information about my purchase and there is nothing i can do. 

I then contacted Citi Cars to assist me to get refund, because i paid for services i never received. 
Citi Cards never asked me to provide any evidence and two weeks later sided with the merchant. 
My further attempt to contact the Citicard were fruitless, the number i was told to call by customer services is automated system that keeps kicking me out.
Consumer complaint received 2020-07-07
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. (TX)

XXXX equifax and XXXX showing inquires not known to me FTC violations ally cowboy motor company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. XXXX is reporting the last payment date as XX/XX/2021, but Equifax is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX  Is reporting on XXXX that there is 0 late payments and on Equifax it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SC)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 Wells Fargo charged my credit card {$560.00} to do an appraisal on my home which was not supposed to be done unless I was approved. I was told by the representative at the bank XXXX that I would receive a refund if they could not do my loan. 
To date I have not reveived a loan or a refund. 

I have asked at least 5 different times for a copy of the appraisal which they refuse to send to me. 

I am requesting a full refund of the money they took to do an appraisal without doing the loan.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FinCo Services Inc DBA Current (KS)

On Monday XX/XX/2022 XXXX was taking out of my account with Current using my virtual card and used at XXXX. I have no knowledge of the charge and because current doesnt operate as a real bank or a decent mobile bank its hard to get any real answers. Today a rep XXXX which I have no idea if shes even a real person cause they dont have a phone number just support in the app said my XXXX kicked in, something I knew nothing about and never received a notification for but she said it was used. I believe someone from current stole my money cause theyre the only ones with access to my account other than me and knew about the overdrive.
Consumer complaint received 2022-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: KEYCORP (NY)

I got a deposit from my uncle which is a loan for my debt with XXXX bank which is {$8500.00} and my uncle sent me {$11000.00} because thats the amount of the loan you requested and key bank has put an hold on it for up to 3 weeks now and also your social security came in also and they didnt allow you to take that out also asking for a prove of the {$11000.00} why your uncle has already made contact with them and key bank stole your {$65.00} from your account why you are in quarantine
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (OH)

I have not received any information on this account before it was reported on my credit report XXXX Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed and all payment history for the account
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

I scheduled a payment on XXXX that was removed from my checking account and applied to my balance. However on XXXX, Barclay removed another identical payment of hundreds of dollars from my bank account. The money is missing from my checking account and has cleared according to my Primary bank however, it is not reflected in my credit card balance, nor was it scheduled. Upon calling all they were able to tell me is that it was a known issue, and they were not able to offer any resolution. So they erroneously took money out on a random day for a payment that wasnt scheduled. They then offered no resolution or to make me whole because I incurred other fees due to funds not being available that shouldve been in my checking account.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (SC)

Enhanced Recovery Co. is attempting to collect on an alleged debt for '' XXXX XXXX '' balance due {$500.00} A debt that I am not aware of, I NEVER received any written notification from them regarding this debt nor have I ever received a phone call, however, without validation of this debt, they place this derogatory information on my credit report. 

Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, this company is in violation of one or more laws. South Carolina Courts have held verification requires reasonable investigation into the facts. This was not the case here. I was not giving my legal right to dispute this alleged debt. Is this an account that has possibly reached the statute of limitation an has been re-aged in an attempt to collect? 

I have never had an account with 11 XXXX XXXX and they have no proof as such account is valid. Yet they have reported this as if it has been validated
Consumer complaint received 2020-05-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern On XX/XX/2020 I mailed a written request to Transunion by certified mail, the company received my request on XXXX XXXX. I requested the following accounts to be verified XXXX XXXXy company acct # XXXX and XXXX XXXX acct # XXXX. Included in my request was a colored photo copy of my Drivers license, passport, and copy of utility bill with my current address to make the company aware that I, myself was disputing and not a third party. Subsequently XXXX  and XXXX  completed a thorough investigation and responded in a timely matter. Today makes 58 days since Transunion has received my dispute. According to the FCRA they have 30 days to investigate and respond to a dispute which they are now violating the law. 

Please see attached mail receipt and updated credit reports from XXXX  and XXXX.
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (GA)

Date of incident : XX/XX/XXXX Total Amount of incident : {$60000.00} On XX/XX/XXXX @ XXXX XXXX  EST, which is 18 hours ago from the time this complaint was submitted. I received an email from an internal email address assigned to DRIVE FINANCIAL SERVIES LP. I thank you for the email bearing a two page copy of the Retail Installment Contract, however I do believe there is more and I would like a copy of the complete installment agreement signed on XX/XX/XXXX. Included with this request, I seek to receive a copy of the 1099C and a copy of both sides of the ledger. Ledger dates should include the date of purchase through and including the date the vehicle was sold. Make sure to include with the ledger the amount the vehicle was sold for ; and all charges pursuant to TILA and the FDCPA.

This information is due back to me no later than 5 calendar days, weekends included. If this date is not met, I will file my intent to sue.
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (RI)

I called EdFinancial immediately after hearing about XXXX loan forgiveness. I saw that we were able to request a refund on any payments during the payment pause which started in 2020. I went ahead and asked for a refund, which I was taken aback, as they were giving me the time frame of 150 days ( 5 months ) for the refund to process. Throughout the pandemic, I have paid roughly $ XXXX in payments. 

It seems that EdFinancial is the only student loan provider, after consulting numerous students and alumni on their federal loans, that is providing this absurd time frame. XXXX, XXXX XXXX etc. are only quoting XXXX weeks of turnaround time. Its very concerning to know that unlike other student loan providers, EdFinancial seems to not have the best interest of our hearts by being the only provider that is dragging this on for 5 months. Currently, getting that money back would be life-changing for me and many others. We would really appreciate if someone could investigate EdFinancials process and determine why their process, in comparison to other federal loan providers, are giving students in need, such as me, such a long time frame.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

My loan with Chrysler Capital shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.
Consumer complaint received 2022-09-23
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. (DE)

" XXXX XXXX '' continues to report inaccurate information to EXPERIAN, XXXX, AND XXXX even after I sent them my dispute letter. It has now been far past the 30 days that they had under the FCRA to respond or delete this entry. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait as well as a copy of the initial dispute letter that I sent to XXXX XXXX. 


According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and EXPERIAN XXXX XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( 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 account listed IMMEDIATELY.
Consumer complaint received 2022-08-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX CT XXXX XXXX, NY XXXX, CAPITAL ONE XXXXDate Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-23
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-09-23
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$65.00}, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00}
Consumer complaint received 2022-09-23
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. (NH)

I noticed a public record on my credit report. The public record was a bankruptcy XXXX  XXXX under my name. Cedit bureaus kept telling me the information was " confirmed by a third party data furnisher, XXXX '' I contacted that company directly and after their investigation, they deleted the account completely. I asked all three credit bureaus multiple times to remove the account because the data furnisher deleted it so it's not there anymore, it can not be verified. None of them will contact XXXX or remove the account.