davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (TN)

In accordance with the Fair Credit Reporting Act. XXXX Account has violated my rights. 
XXXX THIS XXXX XXXX XXXX REMOVE ALL LATES XXXX XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (GA)

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted Medical Data Systems to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that Medical Data Systems would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however XXXX and XXXX have not.
Consumer complaint received 2021-10-27
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: CAVALRY INVESTMENTS, LLC (CA)

I have ID theft and this account that is on my report does not belong to me. I have sent numerous letters to the collection agency and to XXXX and neither one of them have removed the account. 
I have a fraud affidavit that I have sent them.
Consumer complaint received 2018-12-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

My car was broken into in XXXX, recently in XX/XX/XXXX after reviewing my credit report I noticed a car loan on my credit reports that is in default. That derogatory item does not belong to me so I have been trying to get it removed from my credit. I filed a police report, filed a complaint with the FTC and contacted the credit bureaus. All my efforts have been unsuccessful. The company the furnished the car loan has sent me several letters attempting to collect personal information from me that they should already have. I have been told not to provide personal information to third party agencies. In addition, the credit bureaus have assured me that they provided all the information that I sent them to the auto loan company, so I am confused as to why they are asking me for the same information.
Consumer complaint received 2022-05-02
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. (TX)

I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (FL)

XXXX  XXXX of XXXX, CA collected - through garnishment- an old student loan account for XXXX . 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from XXXX once I contacted XXXX   about the matter. 
XXXX  XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with XXXX. 


2 ) XXXX XXXX over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with XXXX and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX  XXXX   ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 ) XXXX XXXX  has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to XXXX, but the monies were sent to them directly and they have never recorded it so that XXXX can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.
Consumer complaint received 2023-03-27
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. (TX)

They are and have been violating my right to privacy. I HAVE NEVER GIVEN WRITTEN AUTHORIZATION TO REPORT, PERIOD. AND WHY MY RIGHT TO PRIVACY IS BEING DENIED NEEDS TO BE PUNISHABLE BY LAW In addition they, by, laws passed by congress are to, EXCLUDE things on what they can report. 

SEE RULES AND DEFINITON ACCORDING TO : 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-02-12
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. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-12-16
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (MO)

This company is incorrectly reporting my account as over 30 days past due! When I paid my bill online it showed I my balance due was {$390.00}, I made the payment. Now I am being reported 30 days past due. This is unfair abusive practices. This has decreased my credit score by 46 points!! I am so upset this company has deceptive practices. I need this fixed right away! This harmful reporting is causing me anxiety! I just received the alert to my phone!
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (GA)

A Gas south charge off for a fraudulent account and an settlement offer with Exeter financial. These companies are intentionally holding my credit growth up and I want it taken off all my credit reports immediately. I feel like this is racially motivated to AA from having good credit I dont need a hand out but a hand up I pay my bills on time even when Im struggling through this pandemic. Please review my reports from all agencies and kindly have them to remove immediately. Thank you
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank arbitrarily took money out of XXXX, XXXX account ( XXXX.. XXXX ) on several occasions starting on XX/XX/XXXX and ending on XXXX XXXX XXXX. I did not owe any money on its associated credit card nor if any debit card. Total amount is {$1100.00} On XX/XX/XXXX, XXXX refunded {$350.00} to XXXX XXXX XXXX credit card account ( XXXX  XXXX ) due to cancellation of auto insurance policy. 
( On/about XX/XX/XXXX, I left USA for XXXX due to Covid-19 ). Chase closed the credit card account without crediting the money back to XXXX, XXXX. 
Thus the total sum is {$1400.00} On XX/XX/XXXX, for the Case No : XXXX, I submitted attachments : XXXX and Chase-XXXX-statements ( 3-pages ) .PDF for your reference. 
This part of statement shows payment items with very irregularity in chronicle-order, in styles, in strange-inconsistent make-up descriptions and so on. For example : {$470.00} was entered three times ; to charge the Account on XXXX with strange description, to reverse to credit the Account on XXXX and to reverse again to charge the Account on XXXX. 
On XX/XX/XXXX, Chase Bank responded to me and to CFPB in a letter stating Chase Bank took {$97.00} on XXXX out of my Corporate Account to pay the the credit card ending in XXXX. Chase did not submit the essential and necessary parts of itemized charges for this total of {$97.00}. I did not owe this amount. In fact the Bank Statement I submitted indicates that Chase reversed and credit it back to the Corporate Account on XXXX. 
Further Chase Bank took much more money out of my corporate Account totaling {$1400.00}, which are not responded. I re-attach herewith ; 4 pages ( XXXX ). I demand that Chase submits the detailed and itemized statements for credit card and if any for debit card to indicate the charge. 
Since XXXX of XXXX Chase has been wrongly charging me on non-flying tickets on my personal Account. One of them : XXXX as a ticket broker refunded {$1700.00} of XXXX XXXX  ticket on XX/XX/XXXX to Chase for my personal account while Chase continued to insist that no such refund ever come until XX/XX/XXXX in a three-party telephone conference initiated by XXXX. I am convinced that there are still other case/cases still existing in the unresolved dispute on my personal Account. Thus about XXXX of XXXX I switched over to other banks and stopped using Chase Bank for credit card and debit card activities. 
Furhther I left USA on/about XX/XX/XXXX my need for Banks in United States diminished while I switched to use my foreign accounts. I deny that I ever re-enrolled on XX/XX/XXXX while abroad for automatic payment on my Corporate credit card when it had once been discontinued previously.
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (WA)

In XXXX I received a summons from merchants credit associates with 20 days to respond to XXXXXXXX XXXX XXXX before I could respond. They reported it to all of the credit bureaus and had three of my credit cards closed on me upon contacting the hospital and contesting the debt it was discovered that I was paying these things and they should not have gone to collections our direct contact was with XXXX XXXX at XXXX. And once we got the debt resolved, we asked both the XXXX and XXXX for a letter that I could send to XXXXXXXX XXXX credit card services, and to the credit bureaus, stating that this was a mistake. I have not received contact or any communication from either party ever since this was resolved on the debt collection end. However, my credit cards are still closed and the bank associated will not help me without evidence that this adverse action on my credit was in fact a mistake. I opened a complaint already with XXXX and they refuse to reinstate my credit cards without some sort of evidence that this is incorrect and I cant get merchant credit associates or XXXX XXXX to contact me back. I am incredibly disgusted by this practice you have completely put a wrecking ball through my credit, when inflation is at an all-time high, and people are already penny-pinching, and you put me in a position where I now owe an entirely separate debt plus interest upfront with a company that I was also paying consistently. Its like you guys caused me all of this grief and intend to just let me sit with it. I urge you to remember that I have been in contact with a lawyer, and if something is not done soon, I will be taking legal action.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2021-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank Employee I spoke to : XXXX Employee IDXXXX 1. We called this morning in order for my husband to add me as a " XXXX '' XXXX only inform us of the things I am NOT able to do. 

2. We also called to make a payment towards the principal, which XXXX to told us if we made a principal payment on the phone, they will charge interest. 
This is not fair. I am making a payment towards the principal. 
XXXX gave us an option to mail-in the principal payment to and address in XXXX Georgia and I will avoid paying interest. It's the same situation by the time it takes to get to XXXX Georgia from California. plus is theres still a CHANCE our payment gets " lost '' in the mail. 

3. XXXX also mentioned our principal payment could get tossed out!!!

4. We have yet to receive our first monthly bill.

5.This my second complaint with this company in the same month.

6. theres no place where I can check the status of my account online.
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wakefield and associates is sending me letters saying I owe {$1400.00} and that a 6 % increase will be applied. This is absurd, I don't know who they are except it says a debt collector. I have placed a fraud alert on all 3 credit reports.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

a fake loan company hacked into my Wells Fargo account to process a loan I thought was legit The fake company/thieves XXXX  money into my account then XXXX  it back to themselves then cancelled the payment they did It took me about 2 days to figure it all out They also did provisional credits on my account from previous bills I had paid months earlier THis put more money into my account. By the time I caught on I was out {$2800.00} Wells Fargo took over a month to investigate and I was denied any reimbursment form my bank. This was considered Elder Abuse and was contacted by local police and county also which was all nice but I have had zero restitution
Consumer complaint received 2022-02-11
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to bank of America to cancel all accounts including my credit card account. My credit card was never cancelled and was charged without my knowledge. I am buying a house and checked my credit report to find I have a delinquency on a bank of America credit card that was supposed to be cancelled. I have contacted Bank of America and they have not been able to clear the charge from my card nor have they been able to remove the delinquency from my credit report. I have been transferred to 5 or more different people while on the phone with bank of America while requesting the card to be cancelled and charge to be removed and delinquency to be removed from the credit Report. I have never missed a payment in my life and have had a very high credit score until this incident. I am currently on the phone with them for 1 hour and 15 minutes.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XX/XX/XXXX, File noXXXX. XXXX. XXXX responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

When Equifax had a security breach in XXXX, I requested a security freeze and was issued a 10-digit PIN to use if I wanted to release the freeze. I recently tried to suspend the freeze & found that the 10-digit PIN had been abandoned. So, I followed the instructions on their web site to temporarily remove the freeze and spent about 45 minutes going around in circles. So I called Equifax and was told to send in a copy of my driver 's license and Social Security card, which I did and included a ( XXXX  ) certified letter with all my relevant information ( Full Name, SSN, DOB, address ). I just received a letter from Equifax telling me " We were unable to locate a credit file in our database with the identification you provided ''. Really? Now they want me to send in " Category 1 ) IDENTIFICATION *Valid Social Security Card '' and " Category 2 ) CURRENT ADDRESS * Driver 's License ''. I'm sending in a really XXXX  letter with the requested information. Why should I have to put up with their incompetence?