davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns XXXX  XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about XXXX loans and would help me fill mine out. I emailed him my social and banking information on XX/XX/XXXX he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges on XX/XX/XXXX on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by XXXX XXXX for the XXXX loan but he changed the login information and I believe funding company so that he would recieve my XXXX loan. I filed a police report on XX/XX/XXXX by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.
Consumer complaint received 2021-04-28
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: CITIBANK, N.A. (CA)

I am a XXXX XXXX  and notified of the data breech so i checked my report and i found several hard inquiries to things I never applied for. I also saw a CBNA bank account in Texas that is not mine but has been opened since 2019! That is not me, please help!
Consumer complaint received 2022-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CO)

A false debt appeared on my credit report from ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX for a medical bill that I never had. I was never a patient at this practice, never received care from This practice and even the XXXX  determined that this company is illegitimate. This medical bill is fraudulent and fictitious. This bill is not real. No one ever tried to contact me or send me any information. This just randomly appeared on my credit report for no reason at all. Completely fake. My insurance covers All of my medical expenses! This is a fraudulent account that does not exist. Please remove this from my credit reports. It is not real. One of the credit companies has already removed the information from my report because it is not real! It is fraudulent! Please Help! This company is creating false debt using clinics that went out of business and no longer exist, they steal your information and create false accounts and then place the accounts in collections! They never contact you, they just destroy your credit and try to trick you into paying XXXX  of dollars for fictitious accounts that they created by stealing your information! The accounts are not real, they are created illegally! A class action lawsuit should be the next step!
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Leap Credit, LLC (WI)

I began getting payment reminders for a loan for which I never applied, on XX/XX/XXXX. According to Leap Credit I have a loan with them dated XX/XX/XXXX, for {$600.00} at an interest rate of XXXX percent, with total finance charges of {$1500.00}, for total payments amounting to {$2100.00}. I suspect this came about around an identity theft we suffered in fall of XXXX.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

HELLO MY NAME IS XXXX XXXX AND I'M ATTEMPTING TO RESOLVE THIS MATTER WITH XXXX XXXX XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2021-02-25
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. (SC)

In XXXX of 2019 Experian removed a charged off account from XXXX XXXX in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to XXXX XXXX again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but experian and XXXX keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his mental state
Consumer complaint received 2022-11-20
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

Since the end of XX/XX/XXXX I have been dealing with a mistake that M & T Bank caused. 
They claimed to never get my XXXX XXXX when I moved into the house in XXXX. Since then I have been paying those taxes with my mortgage payment. They have promised me on several occasions they would fix and correct the issue. I have done everything they asked and needed of me and called regularly to check the status of this issue. During all of XXXX the issue only got worse. Every time I called I was never able to get the same person twice on the phone in the tax department so the issue became confusing on both ends and it basically turned into too many cooks in the kitchen situation. My XXXX statement said that my payment amount would be going up {$400.00} a month which is what prompted my original phone call. I have since found out about the taxes being wrong for 2 years and M & T Bank told me in total I should have about {$700.00} in taxes taken off of my payment. Great news right? Well it has taken them this long and the issue STILL isn't fixed. Every time I call I am told to give them a few more days and I have been extremely patient but I am at my wits end here. This should have been handled in 5 days tops and I am going by what M & T told me originally. I have had my issue expedited 6 times and now I have one person who I can contact directly to receive status updates which in the week I have been talking to him he never calls me, I have to call him and he never has an update. He asks that I give him 3-5 days to get a new escrow analysis done and I have done that plus an additional day and still no change. I am livid and exhausted with all this nonsense. I immediately tried to get this taken care of back at the end of XXXX so that it would be done and fixed before my XXXX payment was due but here we are, XXXX XXXX and still no resolve. I told them many times that I wanted this handled asap so that I would not have any issues by the time my mortgage payment was due. Please help me with this, I've tried so hard not to scream and yell at any of those people over the phone but I have cried because I am just so beyond stressed and exhausted from this whole thing. Thank you, XXXX XXXX
Consumer complaint received 2022-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollins & McVay, P.A. (KS)

XXXX XXXX XXXX XXXXXXXX XXXX collection attorneys where I live levied my bank accounts, froze them the problem Im having is that the same attorneys Garnished my husbands wages on or about XX/XX/XXXX the judgment was satisfied on XX/XX/XXXX the same attorney I fired in a family law case has jumped into the collection business freezing or XXXX XXXX accounts XX/XX/XXXX. The very same medical facility that my husband just paid summoned me on XX/XX/XXXX XX/XX/XXXX I was XXXX for a due this company requesting again and again and being granted non wage garnishments of bank accounts the court documents state service for this non wage garnishment wage garnishment XX/XX/XXXX sent to a process server and returned to themXXXX while 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 where I remained until XX/XX/XXXX. This medical debt for {$1500.00} levy on our accounts for services I couldnt possibly be served for sending them to my address where my husband and I shared for 20 years now. He didnt understand it as he was already garnished, he tried to tell this company that I wasnt there and hadnt been, not once could they have sent a process server to garnish wages and banks sending them to my house. XX/XX/XXXX I was in a XXXX XXXX XXXX XXXX in XXXX Kansas far from my home in XXXX and being XXXX  the following month. The last job I worked ended XX/XX/XXXX I have XXXX XXXX XXXX XXXX XXXX XXXXXXXX making that very difficult to do my husbands income is all we have to try and pay the bills, mortgage and food for our XXXX XXXX XXXX son. Back taxes are now owed on our home, the state has already offset XXXX of our federal income tax return, we have applied for KHAF loans to pay our mortgage, insurance and now a bounced ach to utilities water and electric. {$450.00} on our water bill was paid by community action while we waite for KHAF funding.our water is going to be shut off again this week while my husbands paychecks smaller and smaller with hour cuts at his job. and Kansas is holding income tax offset we absolutely do not owe in fact 3 years we had a refund coming.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: South Mississippi Collection Services Inc. (MS)

In accordance with the Fair Credit Reporting act Ch. 13 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act Ch. 7 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXXInaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. 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 an account without my written instructions.

References : htt
ps : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf
Consumer complaint received 2021-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

I am a 100 % XXXX Veteran with a XX/XX/XXXX dishcharge dated XX/XX/XXXX. 

XXXX failed to send their guarantor Ascendium the proper paperwork in XXXX. They did not send in the MP note. I called Ascendium Ombudsman and was back and forth with XXXX Military line for MONTHS while all my other loans were paid off. 

They said it's not a federal loan. Nice little made up rule. The government loses money doing that FYI since they can just keep XX/XX/XXXX up paperwork and charging every month. 

This XXXX guy at XXXX told me to BACK DATE MY XXXX LOL. YOU CAN'T BACKDATE A VA XXXX. THATS THE MILITARY LINE AT NAVIENT!!!!!! 

I have proof of this, phone records, they say the recorded calls ... I recorded a couple. contacted everyone, even an Attorney. 

XXXX went under when I was overseas in XXXX and they never mailed me anything because they had the wrong email address. My mother set it up to handle things why I was XXXX. 

I was poisoned overseas by XXXX gas and the XXXX sent 2 people to tell us that the air quality was within XXXX levels. I proved that wrong beyond a shadow of a doubt by finding enough papers on the subject. Mainly Thanks to ONE Doctor who cared awhile ago. 

They continue to email this email and not MINE. I have been on the phone with them for 4 months and FINALLY they take it off my credit. Playing GAMES WITH A XX/XX/XXXX XXXX VETERAN. 

In the meantime. My score has dropped and they are keeping 14 missed payments on my loans for no reason. Now it says 7 on Experian. I am XX/XX/XXXXXXXX AND vCONFUSED AND MAD. Their upload thing doesn't work. I was back and forth with Experian the entire time as well. 

I called XXXX and made a lady Attorney cry every time she talks to me. I can't get help at all.. I don't want to hurt people by telling them my story. 

Maybe I should just give up on credit? 

I CAN'T GET A VA HOME LOAN!!!!!! 

GIVE UP ON THE AMERICAN DREAM? 

LIFE, LIBERTY, PROPERTY, PURSUIT OF HAPPINESS? 

GOT TA HAVE CREDIT! IF YOU F IT UP, 7 YEARS PAL 7 YEARS CREDIT PRISON SENTENCE. 

NICE DEBTORS PRISON BTW. Just change it from sending them to jail, and let them get XXXX XXXX at home. 

REAL AMERICAN. 

America doesn't seem to ACTUALLY care about it's 100 % XXXX VETERANS. 

XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2020-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IA)

I have two entries on my credit report for Credit Collection Services ( CCS ). XXXX XXXX placed old accounts with them when I had unpaid policies. I did not receive anything from Credit Collection Services and I have never done business with them. The debts were paid directly to XXXX XXXX and have been paid in full. 

I called CCS and requested that since I have never done business with then and I have never been contacted by them that they remove the entries on my credit report and they refused to do so. 

I also notice that they are violating the FCRA because to my understanding collection accounts should not show a balance and they do on both entries. 

I have also attached evidence from the NMLS Consumer website where it appears that they are not licensed to do business in Iowa and they are violating licensing laws. 

I would appreciate it if they would remove these entries immediately because they are damaging my credit.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX, XX/XX/XXXX 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.
Consumer complaint received 2022-12-16
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, 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 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Reached out to all three credit bureaus to fix my personal information. They have not updated any of my information. Ive mailed, called, & faxed and none of my personal information was resolved.
Consumer complaint received 2021-04-07
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: WELLS FARGO & COMPANY (CA)

I had mailed a letter to XXXX  back in XX/XX/2021 regarding fraudulent reporting on behalf of Wells Fargo regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to XXXX  to check on the status to make sure they received letter about 1.5 weeks later and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.
Consumer complaint received 2021-04-07
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. (CA)

I had mailed a letter to Equifax back in XX/XX/2021 regarding fraudulent reporting on behalf of XXXX XXXX regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to Equifax to check on the status and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (VA)

on XX/XX/2022, at the Nordstrom XXXX  store in XXXX, VA, I purchased clothing and worked with the cashier to apply for Nordstrom Credit card, after 15 mins of information providing they could not sent a text message to my phone, so they denied the credit card. They would not even try again, or work with me to get the text to work. Then when I got home I called the Call Nordstrom Card Services XXXX, and they said nothing they could do, just try to apply online for a credit card again. I think that denying credit to someone with technical issues, and not working with them to overcome these issues is discrimination. I am a IT professional, and this was clearly not an issue on my phone. Please process this complaint against Nordstrom so they provide credit to those who " have not '' the technical skills to support themselves. 
( They told me the denial letter is on the way, so I did not attach it here. )
Consumer complaint received 2021-04-07
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. (VA)

This is in regards to account number XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX and account number XXXX with XXXX XXXX XXXX claiming I owe {$480.00} to XXXX XXXX. To Whom It May Concern. I am a victim of identity theft and I have recently found several accounts that have been fraudulently added to my credit report. Account # XXXX with XXXX XXXX XXXX is claiming I owe {$480.00} to XXXX XXXX. Account # XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX. None of these accounts are mine. In fact, XXXX completed an investigation with each of these fraudulent accounts in the past and had them immediately removed from my credit report. Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for these illegal accounts. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX XXXX XXXX and XXXX XXXX XXXX have created fraudulent accounts. FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. Police Report with XXXX County Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. Please have these accounts removed immediately from my credit report. Because as I mentioned these items have been reinserted on my credit report under a fraudulent account number and name. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XX/XX/XXXXPlease govern yourself accordingly. XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX  XXXX