davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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. (NY)

Im sending this letter again to Experian to remove immediately the XXXX Account XXXX From my credit report I sent more than 50 letters to Experian to remove this account in which XXXX XXXX committed fraud to me as a customer and over 50 times Experian ignored my legal dispute By mail and by the consumer financial protection bureau I only sent 1 dispute to XXXX and XXXX And immediately both remove this account right away based on the proves I sent from the Federal Trade Commission Except Experian This account is affecting me negatively and keeping me away from renting an apartment No matter. How many proves I send to Experian They keep going in favor of the powerful and the rich I called more than 100 times And many of those times when I requested it about the dispute The representatives of Experian hang off the call or disconnect the phone call This situation got me in depressed state Which I make Experian responsible for my outgoing situation and my XXXX Seen how Experian favor XXXX XXXX after they committed fraud just because they are a powerful corporation and going against of the real victim of this big fraud and illegal practices I request this account XXXX account be removed it The problem of been poor is that corporation like XXXX are protected by Experian I sent plenty of documents with proof of the fraud and illegal activities committed by XXXX XXXX but even like that Experian favor the corrupt XXXX XXXX dealership The fraud is visible in the documents XXXX and XXXX accepted that was a fraud and remove this account from my credit report But I dont understand why Experian keep In favor of this corrupts of XXXX XXXX ? 
And keep saying we dont understand your dispute XXXX XXXX I make Experian Responsible for my deep XXXX related with the XXXX account I will tell all my family members who to blame for my problem
Consumer complaint received 2021-10-21
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. (OK)

I have 4 collection accounts on my Equifax credit report from a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. I entered an agreement with XXXX to have these accounts deleted off my credit report since they were paid in full. XXXX sent me a letter that they have submitted for deletion to Equifax on all 4 accounts. I sent the letter from XXXX to Equifax myself showing them XXXX filed for deletion on the accounts. Equifax has refused to remove them even after 2 investigations and documents being provided to them from XXXX. All Equifax does is say they have updated the collection balance to XXXX and taken the letter i provided from XXXX showing they want accounts deleted and post it as my consumer statement and the accounts stay on my credit report. I have contacted both companies numerous times and gotten cooperation with XXXX but not with Equifax. XXXX has done all they can by providing a letter and submitting for deletion to Equifax with no results. I sent the same information to XXXX and XXXX credit agencies and they promptly deleted the accounts off my report with them. Meanwhile my credit score is severely affected while trying to buy a home for my family. Equifax has said my only option left is to contact CFPB and so that is what i'm doing. Please help.
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (VA)

Company is trying to collect amounts already paid. Called XXXX XXXX billing to ask if they can investigate what happened with this bill but they never did. The XXXX XXXX billing department was very rude and unprofessional. They had some address listed that I never know of, as well name was XXXX or similar which is not my name. 

What happened is on XX/XX/2020 my XXXX was scheduled and in order to start XXXX I had to pay full amount for XXXX since this was self pay not thru insurance. 
I visited XXXX XXXX XXXX multiple times before XXXX and he confirmed the price for XXXX, XXXX and everything which was {$11000.00}. This amount is for complete XXXX includes everything XXXX etc. 

Unfortunately the XXXX was not performed professionally and instead XXXX to XXXX minutes the XXXX took XXXX hours XXXX XXXX XXXX put ma life at risk by XXXX XXXX into my body to try to complete simple XXXX XXXX XXXX. 
I was sick for a year. 

After XXXX I went to XXXX XXXX to see what was done to my body by XXXX XXXX XXXX and why i have pain in my stomach. XXXX XXXX doctor who specializes in these XXXX was shocked that XXXX took XXXX hours to perform such XXXX, he said we performed those XXXX in XXXX to XXXX minutes smithing longer is a risk for your body. After performing few tests at XXXX XXXX the doctor concluded that XXXX XXXX did not complete the XXXX XXXX looked normal but it supposed to be stapled. 
Basically XXXX XXXX was playing with my life for XXXX hours and did not complete XXXX, which made me sick for a year. 

Please see attached proof for payment already made in full as agreed with XXXX  prior to XXXX. If anyone owns money it would be XXXX owning money to me for letting XXXX XXXX XXXX to perform a XXXX which he is not experienced.
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRUIST FINANCIAL CORPORATION (IA)

TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXX XXXX  XXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY REGIONAL ACCEPTANCE CORPORATION. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX  XXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH REGIONAL ACCEPTANCE CORPORATION TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwestern Investors Group, LLC (MO)

In XXXX, I paid my XXXX credit card debt in full and the credit card was canceled. I did not receive a letter for them trying to collect any debt for me. In XXXX, a debt collection reached out to me saying that I owed them money through my XXXX account. I no longer have the card, and they did not provide me account information. XXXX XXXX  was the bank I paid my XXXX payment to, but XXXX  no longer uses them as their bank server. When I reached out to them, they said that the account no longer exists. I asked what I should do to have this proven, and they said reach out to the bank in which you made the payment through. At the time, I banked with XXXX XXXX XXXXXXXX, but I longer have an account with them. I reached out to XXXX XXXX XXXXXXXX, and they said they no longer had my account statements saved. I logged onto XXXX XXXX XXXXo check my credit score, and I see I have a derogatory mark on my credit. I went through CFBP to get this resolved and the company stated that they no longer have information on this, and it is now another companies problem. I need help with working this out so that I am not over paying, and so that this mark is taken off of my credit score.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation (TX)

I am writing to you to address the need for urgent medical care that I just recently incurred. I was under the impression, after my visit and multiple calls to the hospital that I had satisfied all my outstanding balances for 2021. 
After being harassed for months about a couple of medical bills that I assumed that I had already taken care of and coming to the realization that maybe these bills were from a different occurrence, based on the dates I was told over the phone, I was informed that I had a balance of approximately $ XXXX {$800.00}. 
After confirming the balance and after weeks of hard work to come up with the funds to pay my bill, I called to pay my balance in full and was now informed that the bill is now a total of {$1600.00} plus I was informed that they had opened two more new accounts based on two " new '' medical room visits, which I have no recollection of occurring.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (RI)

I received a collection notice from XXXX XXXX/National Recovery in the dollar amount of {$220.00}. They have reported to the credit agencies that the account was opened in 2018 which is incorrect. I have tried to sort this out with them but have gotten no resolve in the issue. They have deliberately pushed the open date up by two years thus adversely affecting my credit scores and extending the standard time that the collection would stay on my credit report for. Unfortunately by increasing the negative reports for a longer period of time causes my credit opportunities to diminish, my percentage rates to be higher, as well as pay higher insurance premiums and reduces my contributions to the economy. I would like to have the cfpb look into this so that it may keep other consumers safe from being taken advantage of and made to suffer the same negative effects that it has burdened me with.
Consumer complaint received 2022-01-18
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. (AR)

Experian is reporting inaccurate information on my credit report. I have supplied Experian with all the paperwork which states that US Bankruptcy court does not report to any Agencies about Bankruptcy. I also have a statement from XXXX XXXX where the bankruptcy has been removed. Experian sent me a letter stating that the bankruptcy was verified as accurate. I would like to know how was it verified. In the attachments I will provide you of the following. US bankruptcy statement, XXXX XXXX statement, My drivers License, Social SSN, and statement of experian saying it was verified. Experian is violating my consumer rights and they are falsely keeping this on my credit report without verifiable proof. Please Remove Immediately
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

A Tenant sent me funds through Chase Bank using their XXXX App. The tenant accidentally sent 2 payments. When I tried to refund the payment from Chase using the XXXX App, Chase Bank cancelled the payment as they thought it was fraudulent. I completely understand their position to protect my account. The problem arose when I followed Chase Bank 's instructions to verify my identity online and resubmit the payment. I followed the instructions provided by Chase Bank and sent the payment again. I then received another email telling me the payment was canceled for a second time. This time I was instructed by Chase Bank to call them which I did. I jumped through all of the hoops and answered some very invasive questions at which time they verified my identity and verified that I initiated and requested the payment to the Tenant be made. Chase cleared the fraudulent status of my account and I made the payment to the Tenant for a third time. The next day, Chase not only canceled the payment again, they froze my account so I could not have access to my funds. I was instructed to call Chase again, which I did. Once again I was asked to verify my identity and was questioned again with very invasive questions. When I did not provide the answer that the Representative found acceptable, I was denied the ability to use the XXXX App to make payment to the Tenant. I asked to speak with Supervisor to no avail. As of this writing I am not allowed to send the funds to my Tenant as Chase Bank has blocked the recipient.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX they charge me an annual fee for XXXX and on XX/XX/XXXX they closed my credit card account I asked them if I need till to pay the annual fee they told me NO Then I got a late fee and it's keeping on my account that I am late they won't be able to remove the annual fee till 51 days after closing so my credit report will get a bad credit history
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

To : CFPB, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, HAS BEEN HARASSING ME ON THE PHONE AND REPORTING FRUAD ACCOUNT INFORMATION INTO MY CREDIT HISTORY. THEY HAVE BEEN CALLING AND ASKING FOR CASH PAYMENTS AND MY SSN # TRYING TO STEAL MY PERSONAL INFORMATION FOR A DEBIT COLLECTION ACCOUNT THAT IS NOT MINE AND WAS DISCHARGED FROM MY CREDIT HISTORY FOR IDENTIFY THEIFT BY XXXX XXXX & XXXX XXXX & Portfolio Recovery. AFTER I WROTE A LETTER & PROVIDED INFORMATION AND EMAILED FOR THE PAST 8 YEARS. Portfoilo recovery HAS AGREED TO REMOVE ANY RESPONSIBLY OF MINE & DID REMOVE FROM MY CREDIT HISTORY FOR THIS IDENTIFY THEIFT ACCOUNT THAT WAS NOT OPENED BY ME AND REMOVED IT FROM MY CREDIT HISTORY FOR GOOD. PORTFOLIO RECOVERY HAS BROKE SECTION 609 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY ADDING FALSE INFORMATION TO REPORT TO HURT MY CREDIT HISTORY WITH FALSE INFORMATION FOR ACCOUNT THAT WAS DISCHARGED AND REMOVED FROM MY CREDIT HISORY BY ALL PARTIES. PORTFOLIO RECOVERY NEEDS TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT HISTORY & I DEMAND THEY CLOSE THE ACCOUNT. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request THE REMOVAL OF PORTFOLIO RECOVERY FROM MY CUSTOMER CREDIT REPORT ASAP. FOR IDENTITY THEIFT & ALL ACCOUNTS IN THE FUTURE WITH PORTFOLIO RECOVERY.
Consumer complaint received 2021-10-06
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. (MD)

I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. Transunion and XXXX have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.
Consumer complaint received 2024-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (MI)

XX/XX/XXXX Received a letter from Meade & Associates saying I owe {$250.00} to XXXX Ohio XXXXXXXX XXXX XXXXrom a service on XX/XX/XXXX XX/XX/XXXX sent a dispute via email to XXXX XXXX XXXX requesting the following- XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed, itemized breakdown of the {$250.00}, also specifying the principal, interest, fees, and any other charges. 
XXXX. Copies of any documentation or contracts bearing my signature that substantiate the validity of this debt. 
XXXX. Proof that you are authorized to collect this debt on behalf of the original creditor. 

XX/XX/XXXX received a letter from Meade & Associates saying here is a copy of your billing with the above client named. Please remit payment in full. The enclosed proof was an account statement for a women who is not me for a service on XX/XX/XXXX. 

Meade & Associates failed to provide all requested information- XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed, itemized breakdown of the {$250.00}, also specifying the principal, interest, fees, and any other charges. 
XXXX. Copies of any documentation or contracts bearing my signature that substantiate the validity of this debt. 
XXXX. Proof that you are authorized to collect this debt on behalf of the original creditor.
Consumer complaint received 2022-01-18
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: Experian Information Solutions Inc. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2022-01-18
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. (GA)

Hello, I XXXX XXXX, am filing this dispute for my self. After reviewing my credit report I am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX According to 15 USC 1681b ( 2 ) A 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. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.