davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CHOICE LOAN SERVICES INC. (TX)

Please see attached documentation. 

My complaint is for First Choice Loan Services and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that First Choice Loan Services for XXXX XXXX XXXX. First Choice agreed that the Past Due/Payment History is wrong, and that they would correct it by sending corrections to all 3 Credit Agencies. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of First Choice Loan Services.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

During a background check for a future apartment, several accounts showed up saying I owed money and had about 7 accounts in collection, but I have paid everything off threw the company directly over a week ago. It is inaccurate and harmful.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Hello as of XX/XX/XXXX i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

XXXX XXXX XXXX Account Number XXXX {$2700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX Phone Number ( XXXX ) XXXX PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association (TX)

I recived an invoice for a family member who was seen by this office. I have never received any care whatsoever by this office and already asked for them to submit written proof to me which has never been done. This information stating I owe {$84.00} needs to removed/redacted from my report as its in violation of The XXXX XXXX and XXXX XXXX. 

Warmest regards, XXXX XXXX
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (NC)

I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I closed my credit card account on XX/XX/2021, by phone. This was after I had a company remove their auto-charge as I was no longer doing business with them. The next statement had the charge and the credit plus a {$25.00} late fee. As I knew the charge was being reversed, I called the bank and closed the account, by phone on XXXX XXXX. When I closed it I told the man with whom I spoke not to put through any more auto-payments as I had been using the card as an 'emergency only ' card. He agreed to do that, and removed the {$25.00} charge. No mention was made of possible existing charges or late fees showing up at a later date, when he closed my account. I told him I didn't want to keep the card open even though Citi owed me over {$19.00} in rewards. How is a bank able to make charges on a closed account without notify the customer before the bill arrives? The bank continued to send me late fees on my closed account, which should have been at a XXXX  balance on XX/XX/2021.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Good day, please check this complaint thoroughly. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have carefully reviewed my credit report in Transunion and have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IN)

I opened a Citi Gold checking and savings account package on XX/XX/2021 and started to make multiple deposits to the savings account. The total of the money after the deposits is XXXX as of XX/XX/2021. Couple of days later, I started to realize that the fund in the account was being held up. It did not allow me to make any use of the fund. I previously made a complaint about this matter. They explained in the response that " a thorough examination of Citibanks records and the circumstances surrounding our decision to close your banking relationship was completed '' and " account will be closed within 60 business days from XX/XX/2021 ''. 

I contacted my lawyer to thoroughly go over the Client Manual for Consumer Accounts that they enclosed in the previous response. There is no place in the document that indicates Citibank is allowed to hold the money for up to 60 business days. 

So my questions are : 1. There is a contradiction in the response they sent out. They said the " decision to close the account is completed '' however, later they said " the account will be closed in 60 business days ''. 
So is the account still open as of today or is it already closed? 
2. If the account is still open, why my money is being held up? 
3. If the account is closed, where is my check for the fund? 
4. Where in the Client Manual for Consumer Accounts allow Citibank to hold the customer 's fund for 60 business days? 

I will continue to work with my lawyer about this matter until I get a fair resolution.
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC. (CO)

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX and XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. 




FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TX)

I paid my car off on XX/XX/2022. JP Morgan Chase Auto Finance has acknowledge this when I call them and the automated system says this. Per Texas Law they have until XX/XX/XXXX ( 10 business days ) to release my title. They have failed to do so. Chase gives me different answers each time I call. Twice I was told it was not done ( on XX/XX/XXXX and XX/XX/XXXX ) and would not be done until XX/XX/XXXX. That is unacceptable and Chase is refusing to help. Account number : XXXX VIN : XXXX Please assist. Thanks.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-08
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)

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS SOME ACCOUNTS AND AN INQUIRY REPORTING ON MY CREDIT FILE THAT IS INACCURATE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRY. I HAVE NEVER AUTHORIZED THE ACCOUNTS AND INQUIRY. I AM ASKING THE YOU PLEASE HAVE THESE ACCOUNTS AND INQUIRY INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE. THEY SHOULD NOT BE REPORTING ON MY CREDIT BECAUSE THEY DO NOT BELONG TO ME.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have repeatedly disputed the accuracy of the information related to the a collection account with XXXX XXXX XXXX, in the amount of {$990.00} with an original balance of {$1000.00}, with Experian, XXXX, and XXXX but the inaccurate information remains on my credit report. Specifically : Incorrect Balance : The reported balance of {$990.00} and the original balance ( {$1000.00} ) is inaccurate. There were XXXX  month 's worth of payments on this account. My original credit limit with XXXX XXXX  was lower than the amount reported, and my XXXX  payment was made immediately, which should have further reduced the original balance. In XXXX and XXXX, I requested the original purchase agreement, along with complete record of payments made and did not receive it, from XXXX XXXXXXXX XXXX XXXXXXXX. 

Outdated Collection Account : The debt in question is an " open account '' beyond the statute of limitations for collection under Louisiana Civil Code Article 3494, which specifies a XXXX-year statute of limitations for such debts. The last payment was made in XX/XX/XXXX, making this account time-barred and no longer eligible for collection or reporting. 

Despite providing clear evidence of these inaccuracies in previous disputes, Experian, XXXX, and XXXX have failed to correct the information on my credit report. This ongoing failure to maintain accurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Relevant Federal Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit bureaus conduct a reasonable investigation into disputed information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires that furnishers of information update and correct inaccurate information provided to credit bureaus. 
15 U.S.C. 1681e ( b ) : Requires that credit bureaus maintain accurate and up-to-date information on consumers credit reports.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (KY)

US Bank closed my account which included checking & credit card for alleged suspicious activity. They WILL NOT tell me when I can get the money from the checking account because " they are investigating a wire transfer into the account ''. The wire transfer came from my account at XXXXXXXX XXXX which had sufficient funds to send. I am concerned they are conducting a " XXXX inspection '' a la " Days of Thunder '' movie referring to XXXX inspection practice of leaving product they don't want to let into the country sit on the dock & rot. 

It has been over 30 days since I was denied access to all my accounts with US Bank & have received NO COMMUNICATION AT ALL from them. My repeated calls to the bank have been referred to a young lady named XXXX phone number XXXX ( XXXX ) XXXX in the fraud department, her working hours are from XXXX XXXX. to XXXX XXXX. XXXX  thru XXXX  PST according to her voicemail greeting. I have left SEVERAL messages on her voicemail with my name, phone number & requests for a call back but have yet to receive any response at all. The " bankers '' I have spoken with say there is no escalation process for them to follow when a customer seeks further information on ANY ISSUES WITH THEIR ACCOUNT. 
I need the money in that account to pay bills that are now overdue & accumulating late fees quickly.
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (AL)

I called and Dynamic Recovery Solutions ( hereinafter DRS ) and DRS would not provide any evidence of the claimed owed {$380.00} andwhich claimed debt they inserted in my credit file. I called the asserted provider Florida XXXX XXXX Department to verify that I had a " 0 '' balance and they confirmed a " 0 '' balance but XXXX would not accept the information but offered to send me a " packet of forms to fill out '' which XXXX was intended to extend the adverse credit reporting to XX/XX/XXXX and on information and belief other credit reporting businesses. I never received any forms to fill out and their agents were abusive. I contend that they engaged and committed a " tort of outrage '' using their business position to effectively cause an inability to obtain other shelter should I lose my present shelter and intentionally damaging my credit using their business position. It is my understanding that this is their business practice. 
I claim that the emotional distress and time associated with their trying to reverse their actions of committing a tort of outrage caused me extensive monetary damages and due to my medical condition threatened my life. Upon information and belief XXXX has committed like acts againts thousands if not 10 's of thousands of consumers like myself to force collection of invalid debt claims delaying removal of negative reporting to further harm persons like myself intentionally.
Consumer complaint received 2020-10-08
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. (IL)

In an attempt to clean my credit account with the 3 major credit bureaus. I filed disputes with ( XXXX  ) ( XXXX  ) and ( Experian ). 

XXXX  : was very helpful in removing a bankruptcy that was dismissed and had several inaccuracies. 

XX/XX/XXXX: unfortunately never properly investigated this matter and refused to remove it before the 7year suggested period. 

Experian : unfortunately never properly investigated this matter and refused to remove it before the 7year suggested period.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (GA)

Back on XXXX XXXX I received a notice for a collection in the amount of XXXX $ for a company called XXXX XXXX works. The bill apparently was setup in XXXX and ran all the way through the pandemic and was shut off. This was in a city and state and address that I never resided at. I was asked by XXXX XXXX works to submit information proving I did not live there. I faxed and mailed 80 pages of documents, including tax returns, A lease signed in the state of Georgia from XX/XX/XXXX and letters stating that I still actively reside at this address, receipts with me paying the rent at the local realtors offices, pay stubs and utility bills for the current residences prior to the fraud account and up until XXXX of XXXX. Today the account was placed in collections by Penn Credit Company and back on my credit report. Again this fraud account has done damage to my credit accounts. A police report was filed, and identity theft report was also filed in the state of Georgia back in XX/XX/XXXX when the information first surfaced, XXXX XXXX works received ample documentation and more at their request. I want this off my credit and all attempts to collect to cease and desist
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Dispute was sent out to experian disputing account : XXXX XXXX XXXX on XX/XX/2022. 
IT has been over 30 days and has just came back verified XX/XX/2022 without this company supplying any information or providing full and complete investigation
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. XXXX XXXX ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information .Date contact them XXXX XXXX, XX/XX/XXXX, XXXX
Consumer complaint received 2022-08-08
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: SYNCHRONY FINANCIAL (WI)

In XX/XX/2021, Synchrony Bank conducted an investigation which proved the XXXX XXXX XXXX XXXX issued by them was a fraud, and the letter they sent me that I sent to XXXX stated as such and that the account was removed, cleared my responsibility, and notification to the three credit bureaus. However, XXXX refuses to remove the hard credit inquiry because it only lists the account as fraud, which makes zero sense because the account being opened required a credit check that caused the hard credit inquiry. I contacted Synchrony Bank, and they refuse to send a new letter stating permission to remove the hard credit inquiry because they have a " we issue only 1 letter '' rule.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

in XX/XX/XXXX experian received a certified letter demanding that any freeze OR lock OR hold OR stop on releasing my credit information be stopped / cancelled / terminated / eliminated. 

experian did nothing. 

again now in XX/XX/XXXX experian received ANOTHER certified letter demanding that any freeze OR lock OR hold OR stop on releasing my credit information be stopped / cancelled / terminated / eliminated. 

experian has done nothing. 

experian refusal has resulted in damages.
Consumer complaint received 2020-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX  XXXX  weekend, I noticed that my home equity loan at Bank of America had a change in how my previous payments were applied. I called them on XX/XX/XXXX ( after XXXX minutes wait ), I talked to a rep from Bank of America about the bank error in the application of my payments and the error in the loan balance. They assigned Case ID # XXXX to my case. Nothing was done. On XX/XX/XXXX, I called the customer service line again and told them that no one acted on the loan error nor has the error been corrected. The rep assured me that within 48-72 hours, the error would be corrected and reviewed by the bank. Today is XX/XX/XXXX and no action has been taken on correcting the bank error on my home equity loan. It has been over 1 month already. There is about a {$4000.00} error in the loan balance in the banks favor. Bank of America is ignoring my requests to correct their system error on my loan.