davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (DE)

Subsequent to being injured at work in XX/XX/XXXX some of the medical providers failed to code it as a Workman 's Compensation Injury, thus placing the debt under my name. For the past 18 months, I have not been successful in having my claim resolved. I found it necessary to have the Worker 's Comp attorney intervene. The law firm has mailed the proper documents several times to the medical providers, however, they ( medical providers ) have not followed the protocol ( necessary forms ) required by Workman 's Compensation to pay the claim. This leaves me in the middle, my credit score has suffered greatly and I'm unable to secure any type of loan due to my credit score. 

In the past month, I was served with a court paper to stand trial for a delinquent account. The attorney was successful in having that placed on hold until this can be resolved. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Email to me from the collection agency. 

I just spoke to XXXX at XXXX and he states the balance we have is current. Date of service XXXX {$260.00} XXXX {$240.00} and XX/XX/XXXX - {$25.00}. 

The number you can call for XXXX is XXXX if you want to do a follow-up. I then called XXXX XXXX XXXX XXXX and spoke to XXXX she states Workmans Comp was denied being it wasnt authorized in a timely manner? She said if you want to run it again you would have to take it up with your adjuster. I told her I would give you their info and you may be calling in for a follow-up. I hope this was helpful. Call these people for a follow-up and I will do my part to keep your accounts active in hopes that they get things straightened out being it seems your not at fault. 

Please keep in contact with me. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There are two accounts in collections for a medical bill. The report doesn't show where the bill is coming from only two amount XXXX and XXXX. These bills are covered under medicaid and a complaint has been filed against XXXX XXXX Hospital. The information is incorrect.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.
Consumer complaint received 2022-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (TX)

this collector has been calling everyday, i was told my medical bill was paid for by my XXXX insurance should have paid for it, but later, they submitted 2 derogatory remarks on credit report. So, i paid XXXX for settlement, but i was told the medical insurance paid for it. but i dont need any of this on my credit report. i would really like for them to refund me my XXXX if my insurance paid for it.
Consumer complaint received 2022-06-15
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: GOLDMAN SACHS BANK USA (NY)

XXXX contacted me XXXX of XXXX XXXX about credit alert. Appears that I have a invisible Apple Card that is delinquent {$6.00} and listed as in arrears. The account has a start date of XX/XX/XXXX, coincides with new XXXX. I use XXXX, since XXXX, and XXXX XXXX XXXX. The drop in my score was XXXX points, down to XXXX. Contacted XXXX and then Apple GS. 
I have no account number, there has never been an attempt by Apple GS in contacting me about the activity on this " GHOST '' account. 
Apple will contact Goldman Sachs and try to sort this out. Hopefully restore my credit rating back to where it should be. 
Is there anyway to assure me that my personal data, SSN or other info, circulating on the web?
Consumer complaint received 2019-04-09
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. (IL)

You request from case # XXXX STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that you have requested an investigation multiple times but have been delayed by Experian. You would like the items removed from your credit report. In order to better assist you and to research this matter fully, we will need you to provide Experian with proof of your Social Security number, such as a copy of the Social Security card or a document from the Social Security Administration that displays your name along with the Social Security number. Please also include your specific disputes or request for a credit report when you provide this information. Please note if you have additional information that your disputing to please submit your exact disputes along with the specific reasons you believe the information is inaccurate. You may send this information to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

See enclosed SSN card and DL ...
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}
Consumer complaint received 2022-09-16
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Veripro Solutions Inc. (GA)

THIS IS NOT A DUPLICATE COMPLIANT, PLEASE SEND TOTAL AMOUNT PAID BY THE US BRC OF NORTH GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE HOME WAS NOT ABANDONED BY T XXXX  XXXX TRUSTEE, DESPITE WHAT HE NOTED. WE ARE AWARE HE DID RECEIVE PAYMENT. MULTIPLE COURT OFFICIALS RECEIVED PAYMENTS ALSO. 

THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD, PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. 

THERE IS NO BALANCE ON THIS HOME. PLEASE NOTE BASED ON SUPPORTED DOCUMENTATION YOUR MORTGAGE COMPANY APPEARED TO HAVE SERVED AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT WHICH WAS ALL FRAUDULENT FROM ORIGINATION. THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE DON'T CARE WHO YOUR REPRESENTING ATTORNEYS ARE WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY! 


YOU FILED A CLAIM IN BRC FOR XXXX
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-02-01
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. (OH)

On 3 separate occasions I asked XXXX, Trans Union, and XXXX to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe XXXX water bills. That is not possible as it was built into the rent. I Have proof from YES MANAGEMENT who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX/2020.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

Went to account on the website to pay off found the total at {$5200.00} on XX/XX/20 and paid that amount in full believing my account was taken care of. Subsequently saw an email regarding my account and found another {$960.00} due. Contacted company XX/XX/20 through website disputing this amount they responded XX/XX/20 stating this was more interest that had accrued but my statement of {$5200.00} on XXXX showed it included {$940.00} AND {$1200.00} had been assessed XX/XX/20. I again disputed XX/XX/XXXX they responded XX/XX/XXXX AND assessed a late charge and more interest.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (NJ)

I wanted to know when my account would be refunded and out of the negative balance. Because on XX/XX/23, their company had some kind of internal fraud issue, and they allowed multiple transactions to go through on my account. Even though my account was locked and at XXXX balance. Cashapp never allows any charges to go through when you have a XXXX balance. But when their company malfunctioned, cashapp pushed charges through that were pending and then rejected. So my account is now XXXX in the hole because of their internal issue. I should be refunded. Thousands of other people went through the same thing on the same day because of this issue. I reached out over their chat multiple times with no response ( screen shot included ). I also called and the automated service said they would take my number and call me when it's my turn. Well guess what? They never did, and and when I called back they said " we still have your number we will call you when it's your turn '' ). Never called back and then closed.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NJ)

Hi, I sent two wire transfers from my personal chase bank account to a business account held at XXXX XXXX XXXXXXXX. 1st wire transaction, XX/XX/2022 : I sent {$10000.00} but the recipient account number was incorrect so the wire reversed but less {$45.00}, so I only received {$9900.00}. I was also charged {$25.00} for outgoing wire fee ( chase ). 2nd wire transaction, XX/XX/2022 : I noticed the error with the account no in transaction 1 and attempted to fix it but for some reason the changes did not save. I proceeded to do the wire transfer again ( {$9.00} ) - I paid another outgoing fee of {$25.00} and later found out that the wire was reversed, a {$45.00} fee was also deducted, so I received {$9800.00} I have called both Chase Bank & XXXX XXXX XXXXXXXX to find out why I never received back the full wire amount, none of them is claiming responsibility for the fees, they kept pointing fingers at each other, I have been transferred from department to department and called several times and spoken to different reps- each claiming the fee is from the other institution. I am imploring CFCB to look into this and help me recover the {$90.00} that was lost during these transactions. Thank you
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-29
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: BARCLAYS BANK DELAWARE (OK)

Someone fraudulently opened a Barclays credit card under my name. I did not open any new accounts or have my credit checked. I contacted Barclays and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (CA)

Over a month ago I downloaded the app XXXX. A app that allows you to buy XXXX  currency. I gave all the information they asked for. I sent pics of my Drivers license and added my bank account to their app. I began to buy XXXX currency through their app. Ive already invested around {$700.00} with them and they took that money out of my bank account over several transactions. Now a month later, my identification has still not been verified which means I can not withdrawal any of my money. I also cant put anymore money into it. Its absolutely locked me out from doing anything with my money. Ive emailed them three or four times and all I get is automated messages. They will not respond. They are basically holding my money and they should not be allowed to do this! They need to verify my account so I can have the ability to withdrawal my funds if need be or buy more XXXX. Tons of people are experiencing this issue. I seen all over XXXX. I feel helpless. They will not respond to me. Please help.
Consumer complaint received 2021-08-12
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 — Their investigation did not fix an error on your report
Company: ERC (PA)

I've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report. 

Account Name : ENHANCED RECOVERY CO L ( Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... 


Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am the general executor/trustee of the XXXX XXXX XXXX XXXX XXXX 
I am taking the time to correct the record. 
pursuant to title XXXX XXXX XXXX XXXX A & XXXX. 

im requesting you send me XXXX this is last attempt before your silence and over 90 days no response is Acquiescence.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-06-01
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX