davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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: Medical Business Bureau (OH)

On XXXX XXXX, XXXX, MEDICAL BUSINESS BUREAU, Opened XXXX. XXXX, XXXX add a derogatory mark on my credit reports. MEDICAL BUSINESS BUREAU did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2024-12-01
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (PA)

XXXX  I was offered a settlement with Wells Fargo I believed I was owed XXXX I asked for XXXX $ then settled for XXXX $ after rejection but the. They send check for XXXX $ to me I still believed Im owed XXXX &
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates LLC, Has continued to collect debt that is inaccurate. The original creditor removed the account from all my credit reports for inaccuracy. I have countless times contacted Portfolio Recovery in XXXX and XXXX of 2019 to remove this account from all credit reports, as they have no validation for the debt and its inaccurate. They continue to pursue the debt without validation, and have not removed it from all 3 reports.
Consumer complaint received 2019-03-01
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. (VA)

My loan with XXXX XXXX XXXX for my XXXX  XXXX XXXX was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.
Consumer complaint received 2023-06-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (CA)

In XX/XX/XXXX I went to the XXXX XXXX, AZ TitleMax location XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Prior to taking out the loan the representative asked about my line of work. I told her what I did and that my compensation included commission on sales made. The representative told me she needed my services which enticed me to take the loan knowing that the commission I could expect by having her become a client ( she also mentioned her XXXX XXXX could use my help and she would be referring them to me as well ). So I took the much needed loan because I expected to bring her on as a client and the commission would cover the loan. However ; after multiple attempts to reach her, she never contacted me back once the initial loan was made. She did however contact me to inform me I could borrow additional funds and explained that she hadn't been in touch because her boyfriend had been ill and she was taking care of him, but now that he was better she'd set an appointment so I could bring her on as a client ( and earn the commission ). I went to their office, they reissued a new loan with the additional money and the representative ignored my attempts to contact them again. For more than a year I paid this company over {$360.00} per month. I paid more than what was owed but couldn't maintain the payments, having fallen ill myself. I expected to have the loan paid off with the commission I would have earned had the representative not mislead me into believing she truly intended to become a client of mine. Had she not mislead me into the belief I'd have her as a client, I NEVER WOULD HAVE TAKEN THE LOAN. In addition, one of the requirements, which is MANDATORY is that you give a 5 star XXXX review just before they complete the loan process. 

Fast forward ... in XX/XX/XXXX my car was picked up and repossessed by TitleMax because they wanted an additional {$4600.00}. More that {$1000.00} over the original loan which. This amount was in addition to the more than {$4600.00} I already paid them. 

They have removed my vehicle from their system but conveniently kept my debit card information. 

WHY WOULD THEY HAVE MY DEBIT CARD ON FILE AND SHOW NO CURRENT OR PRIOR LOAN? BECAUSE THEY ARE UNETHICAL, EMPLOY SCAM ARTISTS, AND FRAUDULENTLY ENTICE CONSUMERS TO TAKE THEIR LOANS THROUGH DECEPTION. Which is reinforced by their removing my loan a This company and their representative should be banned from lending anything to anyone.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  - Experian is giving the member no way to actually reach a human when dialing ANY of the numbers listed for them. They are reporting a collection on my account that DOES NOT BELONG TO ME. I have disputed it once already. I have contacted the creditor and they have searched me in their system and can not find records for me. I have contacted the Collection Agency with this information and they continue to report negatively and now are reporting me twice as late. I am trying to contact a human at Experian however their IVR gives no option to zero out to a human. Furthermore their website will not allow me to file a dispute online. They direct me to a number which allows for no option to talk with an agent. XXXX. I have also tried all of the other numbers listed for them ; same result. This should not be allowed. The other bureaus ( XXXX  and XXXX  ) have easy user options to contact an agent. Please investigate. TY
Consumer complaint received 2023-06-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Aldous & Associates. I have circled the items I dispute on the attached copy of my credit report ( s ). This item XXXX rent payment is inaccurate because at the height of the Covid 19 Pandemic late XXXX when all businesses were ordered closed, citizens were told to avoid all contact or interaction with others, XXXX XXXX XXXX was closed for classes, only on-line education was allowed. I began suffering XXXX XXXX and was under therapy from accredited XXXX XXXX XXXX XXXX XXXX in XXXX and was not able to return to XXXX as advise by school authorities, the CDC as detailed in their mandates. This egregious and fraudulent charge from this firm stated hereto goes completely against The Individuals With Disabilities Education Act of 2004 ( IDEA ) I am requesting that XXXX have the item removed. 

Enclosed are copies of Physcologist letter detailing treatment being adminiserde supporting my request. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2020-12-01
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: Arivo Acceptance, LLC (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXXOn XXXX XXXXXX/XX/XXXX ARIVO ACCEPTANCE LLC add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-06-14
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened an account with Truist Bank in late XXXX after having seen a promotional bonus of {$400.00} for opening a new account, keeping it in good standing, and receiving 2 ( two ) direct deposits totaling {$1000.00} or more within the first 60 days. I opened the account under the set forth terms and met the requirements, yet still have not received the promotional bonus. I was supposed to receive this bonus no later than early XXXX, and I still have not received it. I have called the physical branch as well as the corporate phone number for assistance and have not yet received a fair resolution. I started making contact regarding this issue on XX/XX/XXXX. It is now XX/XX/XXXX, and no resolution has been arrived to.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

XXXX 's credit card business moved from Synchrony to XXXX XXXX on XXXX XXXX, the old XXXX accounts were reported to the credit bureaus as sold and closed. As a result my credit scores dropped. While I was with XXXX I had a perfect payment history and was the excellent customer.
Consumer complaint received 2023-06-14
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. (SC)

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 these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report 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 these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (MD)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these inquiries which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

The company continues to send " canned '' responses and ask for information that they have been provided with DOZENS of times and refuses to block items that are a CLEAR result of financial exploitation of a vulnerable and XXXX XXXX that was incapacitated at the time of the events. 
I received no monies or services from this fraud and had no way of being aware of it at the time of the fraud. 

The company has been provided all the demographic information and VERY DETAILED explanations of the events over a dozen times, and has been provided FTC reports, CFPB reports, and law enforcement reports but STILL FAIL AS LEGALLY OBLIGATED TO BLOCK THE ITEMS.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (NC)

My direct deposit unemployment benefits were deposited to Alliant Credit Union via ACH on XX/XX/2020 but the financial institution is not making the funds available to me. In fact it appears they are doing this on purpose to earn additional interest on those funds. There's no acceptable reason that my ACH was not posted to my account by the morning of XX/XX/2020. I intend on taking any and all legal recourses if we can not resolve this issue immediately. You all have NO RIGHT to hold my funds which are electronically provided to you. I expect swift action in response to this inquiry.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (TX)

This is my complain for you to notify some information on my file that are seems to be erroneous. It is a requirement by law 605b of the FCRA to remove some inaccurate items that are fraudulent. Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. These are the following inaccurate items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00}. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2020-12-30
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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC (CA)

I have file a dispute already for ACIMA to be remove from my report.. I have never had an account with them in my life. This dispute was done in XX/XX/2020. I do not understand why it is taking so long to remove this from my report. If there was issues then I should have been contacted instead of ignore like I this has been.
Consumer complaint received 2020-12-30
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. (MA)

Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that Equifax ; XXXX  and XXXX  actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Several creditors are committing fraud on my credit file. XXXX XXXXXXXX XXXX, They have written and charged off debt as profit loss and got paid but they are still updating and reporting in my credit report which is fraud and a direct violation of the FCRA, I never received anything in writing me to pay. None of the creditors sent a 1099-C, This is fraud to place on my credit report and try to get paid again and keep updating my credit report monthly. I want all creditors got paid and that charged off profit to loss was paid as the creditors I want the closed accounts removed from ALL my credit reports immediately.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (NJ)

On XXXX there was a charge of XXXX dollars it was I guess it was to see if the card was good and than than XXXX each month after until XX/XX/2022. I was not aware of these changes which I did not authorize. When I found out I contacted the cc Fortiva to dispute these charges they gave me the company who fortunately charge the card, and they tried to reverse the charges but the cc company block them. I have a email from to prove it. I believe someone in the cc company was responsible for this.
Consumer complaint received 2023-06-14
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2018-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My XXXX debit card was taken by the ATM at the Capital One, NA branch located at XXXX XXXX XXXX, XXXX, Maryland XXXX on the evening of XX/XX/2018. Upon the bank opening at approximately XXXX on XX/XX/2018 tried to retrieve my ATM card. I spoke to one employee and the Branch Ambassador, Ms. XXXX XXXX. They were unable to provide any relief to me on my missing card.