davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc (MD)

I currently have a collection that appears on my XXXX and XXXX credit file from Bay Area Receivables. They are located at XXXX XXXX XXXX XXXX XXXX, MD XXXX. Their Phone Number ( XXXX ) XXXX. 
I used a professional credit company to dispute this collection and they refused to remove the debt or provide any additional information regarding the original creditor. The original creditor is XXXX XXXX XXXX which I have no idea who this company is and have never had any dealings with them. When I called directly to Bay Area Receivables an gave them the account number that is listed on my credit file they asked if I was XXXX XXXX. My name has never been XXXX XXXX, my maiden name nor married name. They then proceeded to tell me that the only way they could verify the debt is for me to give them my Social Security Number! There is no way I am giving my SS # to a company that doesn't even have my name correct nor has ever sent me correspondence directly regarding this collection that appears on my credit file. The collection is from XX/XX/2016. Well past the statute of limitations. I believe I am a victim of identity theft.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Equifax has my named spelled incorrectly. They told me to correct the problem I needed to fax a letter along with my ID and social security card. I have faxed it twice and the spelling is still not corrected. They have my name spelled XXXX and it is XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-29
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-29
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: CCS Financial Services, Inc. (NV)

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/2022 - XX/XX/XXXX I made payments totaling almost {$8000.00} to my Comenity XXXX Visa Credit Card. Since then they have not reported to the credit bureaus and my balance on the credit card still shows it's around {$8000.00} which is effecting my credit. I am coming up on trying to buy a house in the new year and I gave them time to have this figured out. I understand maybe it takes 30 - 90 days ( all of my other credit cards report when the statement period closes ). I originally contacted Comenity in the beginning of XXXX saying it's been over 60 days and they haven't reported. I was told it would be done in 7-10 business days and then it would happen, it wasn't reflected. I then called back XXXX XXXX and that person stated because XXXX 's was bought out by Comenity they haven't been reporting due to the transition and it would reflect in 30 days. I messaged them in the system and they sent me a message saying they are not reporting to the credit bureau yet because of the transition - It has been nearly 4 months and this is unacceptable.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC (VA)

Warrants were taken XX/XX/2022 without ever contacting me concerning debt that was purchased by their client who also violated proper notification. I never received or new anything about this attorney. I'm now being told that a 3rd party purchased debt for a low cost and now suing me for large amount plus interest Scott & associates law firm failed to properly notify me on what they were doing or debt. I received no written notices, just 5 written warrant in debt letters. I immediately contacted them but it was too late. Even now I'm being served by the sheriff after requesting to go through the dispute process. I spoke to someone who said they sent 1 letter. In which I don't believe, because his story changed after I hammered them for violating the law. They are simply taking advantage of people in horrible times. 

Additionally XXXX XXXX XXXX  sent me ONE debt notification only! in which I properly disputed in writing. They ignored my written dispute, gave it to an attorney. The attorney immediately obtained a warrant in debt that I had no idea they they had and sent me a dispute letter 2 days later from XXXX XXXX. What??? This is horrible... the two companies are working together to hurt people bad. This needs to stop. They are running around purchasing debt for pennies and suing for large amounts as of consumers brought from them.
Consumer complaint received 2022-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (OR)

To whom it may concern, My name is XXXX. Back in XXXX I called Discover Card and we agreed on a settlement. They sent me a letter confirming our agreement and that Discover will accept {$3000.00} as a settlement. As promised, I sent all money orders and I wrote on all money orders Endorsement of this check constitutes payment in full. You agree to delete account within 30 days from my credit report. 
They cashed all checks on XX/XX/2022 and never deleted the account and continued since then to report it on my credit report. This is a breach of contract rights. Also, Discover breached the agreement by still reporting to the credit bureaus that I still owe {$7100.00} while we agreed on the {$3000.00}. They sent me a letter that I owe XXXX  XXXX. How could I owe XXXX  XXXX on an account we agreed to pay XXXX  XXXX on and thats the settlement and agreement?!?! I will attach all proofs. 

Regards, XXXX
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Accounts : DEPT OF ED/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 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, 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

This morning on XX/XX/2022 I requested an ACH transfer of XXXX to my linked account at XXXX XXXX XXXX to take advantage of XXXX  higher rate. I received a call and email this afternoon asking me to call XXXX. While I was on hold I tried to log in to my XXXX account and I was locked out. After being transferred to another department I was told that they could not verify with their system that the account at XXXX belonged to me. Why did they approve the linking of the account if they werent sure it belonged to me? That does not make sense. They were so unhappy not only did they not let the funds transfer but locked my account. Why did they need to do that? Im still really angry about that part most of all.
Consumer complaint received 2022-10-06
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. (GA)

I have recently viewed my credit report and I found several inquiries on my credit report that I did not authorize. I would like for these inquiries to be removed and deleted from my credit report immediately. Thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (MD)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX  LENDING LLC XXXX Balance : {$18.00} XXXX CREDIT XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-09-29
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: Maximus Federal Services, Inc. (NV)

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I received and email from Chime Bank on XX/XX/22 with the following message : Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX, XXXX I immediately tried to access my account and it blocked access, stating the account was closed and for questions to call or email. I immediately called XXXX and received an automated message that my account was closed and it hung up. Future calls on XXXX and XXXX I can not get through to a person. I emailed on XXXX and received 2 auto messages that they would get back to me. On XXXX I received an email with this Chime has closed the account ( s ) in question per your request to prevent further unauthorized activity. 

Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card.. 
There was no mention of how I would get my funds back. I emailed several more times and have heard nothing. I did not authorize for this account to be closed and need my funds asap.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

I had 2 accounts with Midland Credit Management , Inc. One account was roughly {$2700.00} and the other was maybe {$1200.00}. Around XXXX or XXXX of XXXX Midland turned my account over to the law firm of XXXX XXXX and XXXX XXXX proceed to file suit in the XXXX XXXX court of common pleas. I ended up settling both accounts and received correspondence from XXXX XXXX on XX/XX/XXXX that the accounts were settled in full and they are closing the files. I noticed that Midland was still reporting on my credit report but figured they would fall off. When they did not I disputed and LOST with Midland claiming that what they were reporting was correct and I owed them money. Fast forward to XX/XX/XXXX and me and my husband are trying to get a home equity lone and Midland is still reporting. I went to Midlands website and they are showing I owe on both accounts and even accepted payment for one of the accounts. They are illegally collecting on a debt that was resolved almost a year and a half ago. I called to have the payment reversed and was basically told there was nothing they could do on there end so I had to dispute the charge with my bank. I am furious because this mess up on their end is hindering me and my husband from receiving another loan.
Consumer complaint received 2022-09-29
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: CREDIT ACCEPTANCE CORPORATION (NV)

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (NY)

I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my phone and wallet were stolen. I called Chase Banks customer service number using my wifes phone to cancel my cards the next day because their customer service is not open at night. There was a fraudulent charge on my account in the amount of {$350.00} within the next day. I made a claim and received a provisional credit. I then had to purchase a new phone and cancel all my cards. The investigation came back and they reversed the charge on the XXXX. I called them backed on the XXXX and asked for a reason why they reversed the charge, they indicated that since I received a text message with the verification code and sent the money that it is not fraudulent. Well of course, I didnt have my phone. IT WAS STOLEN. I was going to get a supervisor on the phone to better explain the reason and mid transfer, the representative hung up on me?? Now Im out of {$350.00} and I can not get a proper justification on why I cant get my money back. 

Chase is not professional and clearly avoided any reasonable investigation. I did not make these charges.
Consumer complaint received 2022-09-29
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. (WI)

To whom it may concern, I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which cant be verified.

It is also my understanding that under the FCRA15 U.S.C 1681i, AND 6801 15USC every single one even each or any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or alleged accounts are to be completely deleted. 

I am now enacting my consumer and civil rights to compl you to annul with permanent deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either untrue, unverified, incomplete, untimely, not mine not my responsibility, to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right NOW! The obvious infractions are as follow : Alleging Creditor and account as is reported on my credit report : XXXX XXXX XXXXXXXX XXXX ( letter sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report XXXX XXXX XXXX ( Letter was sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 Compliance regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with certified mail. I also still have old addresses that don't belong to me on my report as well that have not been deleted I have tried several times to contact with correct addresses but nothing has changed.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A check i/a/o {$2200.00} has been debited to and cleared the payor 's account at Bank of America ( 8 weeks ago ) and still has not been credited to the payee 's ( my ) account also at Bank of America. All at various service departments at Bank of America agree that this was a bank check processing error ( see case # XXXX ). ( see also compliant # XXXX. ) However, no one at the bank seems to has the authority to correct this bank error. 

It is my understanding that a bank generally has ten business days to investigate an issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. The bank then has three business days to report its findings to you.

If the bank or cant complete its investigation within ten business days, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate. 

The bank must then resolve the issue in 45 days. 

These time frames has long past and the credit has still not been made..