davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (GA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 3 ) a Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services I have been adversely affected by these blatant violations to federal law on my consumer reports by violating the clear exclusions provided to me by law, for these alleged debts : XXXX XXXX XXXX Account # XXXX Instructions : Delete my non-public personal medial information from my consumer report.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-16
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: TD BANK US HOLDING COMPANY (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-10-22
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. (CA)

I filed a dispute with equifax/XXXX  on XX/XX/XXXX to close and remove the account for the department of education XXXX XXXX updated the account, but Equifax still has an open account on their report. I called the department of education and they sent me a letter and confirmed to me all accounts have been paid and closed. The department of education says they have a record that Equifax reached out to them and they told them my account is closed. It has been over 45 days and Equifax still has the open account on my record. The Equifax score is XXXX points lower than the XXXX score. Equifax is currently blocking me from locking in an interest rate. Equifax is unfairly keeping my score low when the other credit reporting agencies show a higher score. Equifax says they didnt receive a response from the department of education XXXX but when I called there department of education they confirmed they told Equifax my accounts were closed. Equifax has taken well over 45 days and they still havent resolved my issue. I need to close my house in a month and they have blocked my ability to do that
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NC)

On XX/XX/2022 I purchased a sofa and recliner from XXXX XXXX XXXX through a leased to own company called Acima. 
I received the sofa on XX/XX/2022 the recliner was on back order and to be delivered by XX/XX/2022. 
Acima offers a 90 day same as cash option for lease items, I paid my lease on XX/XX/2022 well within the 90 days. I did not receive my recliner the furniture store kept pushing the delivery date out further than expected so I decided I did not want the recliner due to it not being delivered in reasonable amount of time as promised. 

I contacted Acima on XX/XX/2022 to request a refund for the recliner the customer service rep. told me it was out of their hands since the lease was paid and closed, and referred me back to furniture store. I contacted my credit card compony on XX/XX/2022 and filed a dispute for {$890.00} for the recline I did not receive. I contacted the furniture store on XX/XX/2022 and informed the of the I wanted a refund for the recliner they agreed. 
On XX/XX/2022 XXXX refunded my total final payment of XXXX I did not ask for nor did I dispute that amount. 
Now Acima has reopened without my consent, the lease that I paid in full over a month ago and trying to say the account is in collection.
Consumer complaint received 2022-06-16
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 (NV)

Credit card type, American Express Transaction Date : XX/XX/2022 Merchant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  Amount : {$3600.00} I have already opened a dispute with American Express, which they denied. I then appealed their denial which they also denied. They stated that I should try and work this out with the vendor or if that is not possible with a tort claim. 

This vendor advertised and promised to provide a medical XXXX XXXX solution that would be safe, FDA approved and would include a lifetime supply of their medication. The product they delivered to me is not only unsafe and unusable but is also dangerous. 

On XX/XX/2022 XXXX XXXX XXXX XXXX administered an elective medical treatment to me in their offices. This treatment caused me to have a severe medical reaction that resulted in a medical emergency. The medical emergency was so acute that XXXX XXXX XXXX XXXX own doctor, XXXX XXXX XXXX, personally called XXXX to report the emergency and request an ambulance since I was unconscious and could not be revived. 
XXXX XXXX XXXX XXXX then sent their first shipment to me and informed me that they had altered the mix and concentration of their product. I then, perhaps foolishly, took their treatment for a second time. I then suffered another severe medical event. Luckily this time I was able to quickly lie down and did not lose consciousness. 
I then informed XXXX XXXX XXXX by text message that his treatment again caused severe medical distress and I would not be able to use XXXX XXXX XXXX XXXX product as I could not risk my health by taking medication that was obviously unsafe and could cause me to be hospitalized or worst. I also would like to point out that at this time I acknowledged to XXXX XXXX XXXX XXXX I would be willing to pay for the services received up to that point. This included the office visit which was listed at {$190.00} and the first shipment of what was to be a lifetime supply of medication. I do not know the cost of this shipment but would guess it also was a XXXX XXXX XXXXXXXX dollars at most since it was only the first one of a lifetime supply. XXXX XXXX XXXX XXXX never responded to me on this offer. 
XXXX XXXX XXXX XXXX did respond concerning my inability to use their medication and their proposed solution was for me to take their unsafe and dangerous medication a third time. 

I also want to point out that XXXX XXXX XXXX XXXX is a franchise location of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. The medication is supplied by this home office and shipped to the customers that XXXX XXXX XXXX XXXX signs up. XXXX XXXX XXXX XXXX receives {$1200.00} for each new customer and the balance of the fee goes to XXXX  XXXX XXXX.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc. (GA)

This is account is from a collections agency trying to collect. I have never given permission for my personal information to be given to any 3rd party or to be used in opening such accounts under my name without my knowledge and consent. This is a fraudulent account, my information was provided to a collections agency which I never authorized. They never verified any information, and are reporting items on my credit without validation.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (MS)

Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX I have fraud accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all fraudulent accounts.
Consumer complaint received 2022-06-16
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. (MO)

I reached out via certified mail and it was received on XX/XX/2022 to Experian about inquiries put on my report without my consent in XXXX of 2022. This violates 15 USC 1681b ( i ) stating that " the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ''. I did not comply to such reporting. It was never written in consent to Experian. 

I have attached a letter from Experian dated on XX/XX/2022 that denies they did not do anything wrong and stated that they are required by " Federal Law ''. This is a false statement due to the code published above where this reporting requires my written consent that they do not have obtained.
Consumer complaint received 2022-06-16
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. (OK)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (NJ)

Today I received XXXX letters from TRS Recovery Services stating that I owe a company called XXXX XXXX {$110.00} because of a {$80.00} purchase that I made between XXXX XXXX and XXXX XXXX. I think this is a scam because it's quite a coincidence that this happened 2-3 weeks after my wallet was stolen with all of my credentials in it. With that being said, I believe it is a scam because I don't have any purchases of {$80.00} in that time frame. The purchases that i made that were {$80.00} I verified with that company that I did not owe then anything.
Consumer complaint received 2022-06-16
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. (GA)

***NOT A DUPLICATE COMPLAINT. NEW INFORMATION*** There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. 

Every account listed in the attached credit report is inaccurate. 

DELETE IMMEDIATELY DUE TO INACCURACY. 

I have attached my credit report from XX/XX/22 with all the inaccuracies highlighted. This complaint serves as my dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank... 

The app told me that I had money in the account. 

1. They allowed me to use debit card with the money, then said I now have a negative balance. This was for several transactions. I want every fee as a result of this waived. Additionally, monthly checking fee, waived. I will close this checking account out and pay them the balance, within 60 days, if possible, without impact to credit. 

App does not work. Tried to call customer service today about my issues, it said they are having issues and can not take calls. 

LOCK my card. Do NOT process any transactions, especially with a debit card like you have done. Close this acocunt out. 

How long do I have to pay off line of credit and balance owed once any fees are remoevd?
Consumer complaint received 2024-08-29
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VA)

Selene Finance bought our mortgage in the fall of XXXX. In XXXX of XXXX we got a letter saying there was an escrow shortage {$11000.00} ( even though we had achieved a loan modification in XX/XX/XXXX which should have solved any shortage ). Consequently, Selene raised our monthly escrow payment from about {$1000.00} to {$2300.00} -- effectively raising our monthly mortgage payment by over 30 %. 

There is a long history of problems with our loan that was originated in XXXX ( under circumstances that were probably fraudulent ). 

It seems that Selene is trying to capitalize on the distressed history of this loan to seize our house.

We have been working with legal counsel to address these issues, but I thought it would be useful to report what is probably some level of mortgage fraud to the government authorities for investigation. After reading about some recent experiences that other customers have had with Selene, it seems quite clear that this company is acting in bad faith to manipulate their mortgage holders and foreclose upon their properties so that Selene can turn a quick profit in a hot financial market... or to force consumers to seek out monies from the Mortgage Assistance Fund set up by the Treasury Department.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As you can see in the attachments, XXXX settled a XXXX XXXX XXXX XXXX XXXX in 2020. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this. XXXX has already complied with decision and has removed the account from Credit Report.
Consumer complaint received 2023-07-13
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-16
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 # XXXX has violated my rights. 

15 US 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 2022-11-14
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 TWO COLLECTIONS ON MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE XXXX XXXX XXXX XXXX XXXXXXXX company OF I HAVE NEVER BEEN THERE AND IWAS NEVER WARNED BEFORE THIS WAS PUT ON MY CREDIT PROFILE OF XXXX XXXX XXXX XXXX  IS IN XXXX I STAY IN XXXX  THIS IS CLEARLY IDENTITY THEFT OR A MISTAKE ALSO THERE ARE INQUIRIES THT ARE NOT MINE I REQEST THEYBE REMOVED I HAVE ATTACHED MY FTC REPORT also on one of the credit report it has my last four social as XXXX which is not correct please fix this immediately