davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-09-08
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: AMERICAN EXPRESS COMPANY (NJ)

I had used my American Express credit card to purchase airline tickets in the amount of {$2000.00} on XXXX XXXX  for travel to XXXX in XXXX this year. In XXXX, when Covid-19 hit, the airline canceled all its US flights including mine. When I requested a refund from the airline, they refused saying that my ticket was a non-refundable one and that they can only give me a travel voucher but not a refund. However, U.S. law and Department of Transportation rules clearly state that all airlines have an obligation to refund passengers for flights canceled by the airline, regardless of any fare rules or whether the ticket was refundable or non-refundable. Airlines can offer travel vouchers only if the passenger chooses to accept them ; otherwise the airlines have an obligation to provide a refund. 
So when XXXX refused to refund me in accordance with the law, I went to my credit card company, American Express, to dispute and refund this charge. This was in XXXX. In XXXX, after almost 5 months, I was surprised to receive a letter from American Express in which they summarily rejected my claim and closed the dispute in the airline 's favor, without any real investigation or substantive reason. The reason they provided me : the merchant ( XXXX XXXX ) states that the services are non-refundable. They did not consider that this is an invalid reason since it was the airline, and not I, who canceled the flight due to Covid-19 suspensions and that U.S. law was clear on this topic. Having been an American Express customer for almost 20 years, I was shocked at their dismissive response. If American Express can not provide me justice in accordance with the law, then what good is the dispute resolution or any other consumer protection offered by their card? 
I believe American Express is derelict in its duties by siding with the merchant and forcing me to pay in the face of clearly established U.S. law.
Consumer complaint received 2022-12-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I wrote a letter to Experian expressing that there were inaccurate accounts reporting to my consumer report. I express to Experian the collection account was reporting past due and a collection account is by default late and past due and ask them to reinvestigate these accounts, they mailed me my consumer report stated that the accounts was updated and meets the requirements of the FCRA. The last time I checked the FCRA requires the consumer report to be 100 % accurate. These accounts have no date of last activity, no last date of delinquency this information is supposed to be on the report. I ask for these accounts to be reinvestigated you obviously did not properly investigate these accounts, or you would have realized that these accounts were reporting inaccurate. I never gave consent to these entities to furnish any of my personal information I never got notice they were going to supply negative information to my consumer report. 
Experian is willing fully and knowingly reporting inaccurate information, reporting these inaccurate accounts are actual damage to me that can be proven cause by your actions of improper reinvestigation to these accounts below. 
1. Accounts Name : XXXX XXXX XXXX Account # : XXXX XXXX. Account XXXX : XXXX XXXX XXXX XXXX Accounts # : XXXX.
Consumer complaint received 2022-12-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (MI)

Dear XXXX, Americollect sent a debt collection notice via mail to collect for XXXX XXXX XXXX SC in the amount of {$1.00} on XX/XX/2022. Americollect dated the notice as XX/XX/2022. 
I called Americollect and told them that XXXX XXXX XXXX was contacted in the summer to give me a detailed bill after I received a notice from them that I would be sent to a collection agency if I didn't pay them. The XXXX XXXX XXXX XXXX department told me to disregard the bill and they would sent in the correct codes to my insurance company. However, the didn't carry through on their word because I received a debt collection notice. I called my insurance company and XXXX XXXX XXXX never sent them the correct codes. So my insurance company called the doctor who provided XXXX XXXX XXXX with the medical billing codes ordered and preauthorized and they forwarded it to XXXX XXXX XXXX again, but XXXX XXXX XXXX did not follow through again, leaving me without resolution. 
Please help me end the debt collection notices from both Americollect XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone number XXXX and XXXX XXXX XXXX. 
Thank you
Consumer complaint received 2020-05-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Experian Information Solutions Inc. (TX)

Approximately 14 days ago I opened an email from Experian offering 7 days of free service on my credit. I don't need the service, I already pay for the service with XXXX XXXX. I didn't sign up for the service or agree to any terms. On XX/XX/2020 Experian charged my XXXX XXXX bank account {$23.00}. I called Experian and aftegoing through various menu 's and wait times, I got a customer service representative, who said that I was charged the money because I didn't cancel the account. I explained that I had no account information, no agreement that was presented to me or my signature on an established account. The Rep. stated that I had set up the account and if I read the " small '' print it clearly stated that I must pay without a refund service if I didn't cancel. Experian does not have in their possession a signed agreement from me, nor did they provide with an agreement or any any account numbers or explanation of services. They simply used the opening of an e-mail to assume an account and they accessed my bank account- without my permission.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( 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 instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-25
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. (PA)

On XX/XX/2018 XXXX from XXXX XXXX XXXX XXXX XXXX ( Asset Recovery Department ) called and left a voicemail about my checking  account. I returned her call on XX/XX/XXXX and I agreed to pay the balance in full, and XXXX assured me that it would NOT go on my credit. She said I paid it just in time, before it was charged off. She said it was going to charge off on the XXXX. I got my credit report in XXXX and saw that the account had charged off with a " XXXX   '' balance. I processed a dispute with all three credit bureaus, and they all came back as " confirmed ''. I called XXXX XXXX  to speak with XXXX again and she did not fully remember our conversation and did not put adequate notes in the system to verify our conversation. She said I should write a letter to quality control, which i did. But i feel taken of, and i feel that i did everything I was told, but XXXX XXXX was deceitful ( XXXX ). I do not want this to affect my credit, because i was told that it wouldn't. I also did not have the money to pay it in full, but did so anyway to prevent any issues with my credit. Please Help!
Consumer complaint received 2020-05-17
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. (WA)

After filing a CFPB complaint against Transunion for ignoring the request for the method of verification I have received Transunions computer-generated response stating that Transunion they did not send the method of verification because in Transunions opinion, they believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on Transunions part to not send the method of verification, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2020 by certified mail that I questioned the accuracy of a few items on my credit reports. You were advised by me on XX/XX/2020 by certified mail that I wanted the method of verification. Those requests was written by me and mailed by menot a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this complaint was filed on XX/XX/2020 and is formal notice to you that I am requesting that you continue forward with my original request and send the method of verification The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Also I therefore legally and lawfully refuse your form letter. I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my original request immediately. 

The next step for me after this is to file a law suit for violation of the FCRA
Consumer complaint received 2022-05-18
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. (FL)

I have had XXXX  XXXX XXXX  from XXXX  To which I was XXXX for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit
Consumer complaint received 2020-07-16
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. (FL)

someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

OnXX/XX/XXXX at XXXX I applied for a loyalty rewards program at XXXX XXXX XXXX. I have been a loyal patron since the XXXX The cashier took down my information and I was not given an opportunity to review my address information. Since then I have never received my credit card and did not receive my account number to register online. This has prevented me from paying the outstanding balance and, in fact, have been charged late fees without a mechanism to pay. I have never been able to reach customer service despite repeated calls and sent an email onXX/XX/XXXXin order to document my efforts at attempting to contact Comenity bank. I am concerned about their predatory practice to withhold account information while also forcing accounts to accrue late fees. Simultaneously, as a consumer, I have minimal opportunities to contact them to reconcile outstanding balances. To complicate matters further, there is no clear process to close the account and worry about the impact on my future credit endeavors. I am able to afford the late fees, but on principle, I am concerned that this practice of withholding account information and hindering a clear method to pay ( so that fees are accrued ) engender a cycle of debt for consumers.
Consumer complaint received 2022-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

This complaint is towards XXXX XXXX XXXX of XXXX California billing department. 
I received my first billing statement for date of service on XX/XX/XXXX, in XX/XX/XXXX. My account balance at that time was {$6300.00} with no assigned due date, only states due upon receipt. I have made payments since then every month. They are as follows : XX/XX/XXXX : {$340.00} XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$150.00} and most recent payment on XX/XX/XXXX : {$500.00}. Current balance is now {$5100.00} Today is XX/XX/XXXX and as im checking online to make a payment for this month, there is a message on the portal stating there is no open account under my information provided. I immediately call the billing department and i am told that my account was transferred to a different department an XXXX, i asked if it was a collection agency, agent proceeded to transfer my call. Im confused as to why I am in collections! I spoke to collection agent and she informed me my account had just been transferred to them as of today XX/XX/XXXX. I informed her that couldnt be correct so i hang up the phone and immediately call XXXX XXXX department back. I spoke to one agent by the name of XXXX and she explained that my account was indeed in collections. I was upset at the fact that i did not get notice as to why my account was transfer to this collection agency. She couldnt help me any further so i asked to speak to her supervisor by the name of XXXX. XXXX was not able to help me in this matter either so i got transferred to his manager XXXX. I was on the phone nearly 1 hour and a half with this company trying to understand why my account was sent to collections. Im giving the reason you didnt make a payment arrangement. That is not sufficient, specially when i have been making monthly payments! They refused to help me by taking my account. I informed them i was not aware i had to be in a payment arrangement in order for my account to be out of collections. I offered to make an additional payment of {$500.00} for the month of XXXX and to be placed on a payment arrangement as on XX/XX/XXXX. I was told this is out of our hands. Very unfair as i was never informed of this collection matter nor was i given a call to given a heads up. This was just received by the collections agency today and im trying my hardest to revoke this situation as soon as possible and be able to make payment to XXXX XXXX XXXX. I was not treated very kindly and felt like i was not being listened to!
Consumer complaint received 2022-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a lot of hard inquiries on my credit report I have no knowledge about. I havent made no consent for anything to be on my credit profile. 

Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XXXX - XXXX XXXX Capital one auto finance - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital one - XX/XX/XXXX Capital one - XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-18
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. (MO)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX MEDICAL XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-18
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXX XXXX