davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (MO)

I obtained my credit report and on my reports is a medical collection from Account Resolution Corporation for multiple dos that were denied ( see attachments ). The treatment I received and the dos that were denied were related to my XXXX XXXX claim # XXXX. My XXXX XXXX claim was handled by XXXX claim # XXXX, ph. XXXX. The dos that were denied are : ( XX/XX/XXXX # XXXX {$35.00} ), ( XX/XX/XXXX # XXXX {$5.00} ), ( XX/XX/XXXX # XXXX {$68.00} ) & ( XX/XX/XXXX # XXXX {$73.00} ). 

On XX/XX/XXXX I sent a notice letter to Account Resolution Corp. informing the medical collection agency that the collection was in correct and related to my XXXX XXXX claim, that XXXX denied as unrelated to my XXXX XXXX claim. I request that Account Resolution delete the derogatory and incorrect collections and report to the credit bureau 's. 

Account Resolution sent me a letter stating the debt was validated and included the medical ledgers. 

I called XXXX on XX/XX/XXXX and spoke with a XXXX XXXX Adjuster about the dos of that were denied and related to my XXXX XXXX claim. I was asked to fax in the medical ledger and reference adjuster XXXX XXXX and my claim # XXXX. I called to confirm receipt of ledger and was told that claim # XXXX does not exist.
Consumer complaint received 2024-08-21
Product: Credit reporting 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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have disputed an XXXX XXXX Account ( XXXX ) with Experian and they have simply stated it is accurate without conducting a proper investigation under FCRA requirements. Anyone that does not know anything about credit can take a look at the reporting of this account and see that there is inaccurate information. I therefore do not believe that Experian even took my dispute seriously. 

This XXXX XXXX Account ( XXXX ) was opened on XX/XX/XXXX. The account status is " charged off/never late ''. Which one is it, charged off or never late? It says {$2900.00} written off yet it shows a {$2900.00} balance. They decided to mark this as a charge off as of XX/XX/XXXX ( without any late payments leading up to a charge off ) so that they can continue to report this account until XXXX instead of XXXX as it should have originally been. 

The first date of delinquency for this account is actually in XXXX. There is a 4 year statue of limitations in Florida and a 7 year from first date of delinquency reporting max per FCRA.

This credit bureau ( Experian ) is allowing inaccurate, incomplete and erroneous information to show on my credit report and just recently cost me a denial for a loan because the bank thought i just charged off an account this past month. Obviously there is a big difference between charging off an account in XXXX vs XXXX.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

hi Experian you reported to myself and the CFPB that the incorrect names were removed I see in checking with XXXX XXXX XXXX that you did not remove those names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX you stated in caseXXXX-XXXX that they were removed. My Id # XXXX is correct, please remove these listed above.CFPB please refer to XXXX-XXXX in this matter thank you
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was 3 days late on a {$32.00} ( possibly {$34.00} ) minimum payment due on my BofA credit card and Bank of America refused to waive my late fee. I explained that the payment was late due to me losing my job, but they wouldnt budge on the {$27.00} late fee ( {$27.00} seems like a high percentage in relation to the $ XXXX that was late too ). I did a Balance transfer to them about a year ago to take advantage of an offer they sent me in the mail. This was the first time Ive been late and just by a few days after dealing with the loss of my job. During my phone call with them, I was sent to an escalations agent ( who introduced himself as a manager,  clearly not btw considering his lack of empathy or care ). I threatened to close my account in hopes the retention specialist may understand my position a little more, but the escalations agent  simply offered to close my account, not considering my hardship in the slightest. 30 minute phone call for nothing. I called XXXX after BofA because I missed that payment for the same reason ( 1st time late with XXXX also ), and XXXX took care of it for me right away. I would close my BofA account if it wouldnt have a negative impact on my credit. BofA just increased my credit line too, Im assuming in hopes that XXXX use them more once my 0 % period is up. Im thinking Im just going to give that business to a company who empathizes and works with its customers ( XXXX ) rather than one who couldn't care less about me losing my job ( sarcasm thanks to BofA ), increasing my credit limit, and not waiving my late fee in an already tough time. You think the {$27.00} fee is worth my future business?
Consumer complaint received 2018-04-02
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. (AZ)

I have disputed the XXXX XXXX accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

While vacationing in Florida with my son, we were approached at XXXX XXXX but a representative of American Express named XXXX. He was trying to sign people up for Amex Blue Cash cards. I told him I used to have one and that I already had a Delta Gold Amex card. He said I was still eligible for all the offers that day, including Free Fast Pass, 0 % introductory APR and {$100.00} welcome bonus upon spending {$1000.00}. They even printed the card right then and there to use. They also printed the terms and conditions. Because I was walking into the theme park they even offered to shred the terms and conditions because it had my info on it. When I messaged Amex to find out when the credit was to be applied they told me I wasn't eligible. After waiting 9 wks for an " investigation '' I was told I should have read the terms AFTER getting my card and that there was nothing they could do. I am owed the {$100.00} statement credit. Their employee misrepresented the offer, most likely in an effort to receive his commission. Amex fraudulently represented themselves in order to obtain my business
Consumer complaint received 2018-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc. (DC)

A company called Prosper is sending me multiple, unsolicited loan offers and I would like them to stop. In fact, XXXX and other financial institutions also send repeated junk mail offers that I must tear up and/or shred to prevent identity theft. 

Prosper has a number to call to opt-out of the offers ( XXXX ), but they require giving out my social security number, which I do not want to do. 

Junk mail like this is not just a nuisance, its a time drain and stress creator. How can I stop these companies from accessing my credit report, intruding on my privacy, and attempting to prey upon my debt? 

Thank you. 
XXXX XXXX XXXX XXXX P.s. the website for Prosper is SaveWithProsper.com.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX, XXXX, and XXXX  credit reporting bureaus have utilized erroneous information from XXXX XXXX d.b.a. XXXX XXXX ( XXXX ) to lower my credit rating from Good to Poor over the past 30 days. 

XXXX inaccurately provided information to the credit reporting bureaus regarding alleged late payments for the months of XXXX and XX/XX/XXXX. The loan mortgage did not close until XX/XX/XXXX, XXXX notified me that their online system was not operating at this point to allow me to make payments. XXXX also indicated the delay would not effect me as a consumer and I would receive written notification from the company when the system was operating. I received correspondence from XXXX in XXXX XXXX indicating the system was functioning. Once again, XXXX indicated in its correspondence that consumers would be affected by the delayed operation. 

The first payment was submitted on XX/XX/XXXX in keeping with the XXXX system operation. I contacted XXXX in XX/XX/XXXX regarding a County tax exemption reducing my property taxes for the fiscal year. The XXXX representative alleged I was behind in my mortgage payments, and was unwilling to listen to the above information. 

XXXX, then, filed the delinquent payment information with the three consumer reporting agencies. XXXX has continued to apply my timely payments to the alleged late payment schedule, which it has erroneously and fraudulently reported. 

XXXX now has changed my payment schedule date to XX/XX/XXXX without notice to me, and has charged a late payment fee of {$89.00}. The late payment fee is negligent by XXXX, and the amount is legal injury to me. 

The three credit reporting agencies have been notified of the above, and have not taken appropriate action to re-establish my credit and FICO score to the existing level prior to XXXX 's negligent and erroneous reporting. 

XXXX XXXX, and XXXX are required to re-establish my credit report to the pre-existing level score immediately.
Consumer complaint received 2018-07-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

PURSUINT TO LAW 15 U.S.C 1681 et seq. It's Statutes and it's Amendments - TRANSUNION, XXXX  AND XXXX   COMMITTED FRAUD AGAINST MYSELF AND THE FEDERAL GOVERNMENT IN THAT THEY WILLINGLY CONSPIRED TOGETHER TO ; # 1. ILLEGALLY REFUSE TO ADD MY STATEMENT OF DISPUTE, 1st ATTEMPT, TO THE NEGATIVE ACCOUNT FOR WHICH THE FIRST STATEMENT OF DISPUTE WAS INTENDED FOR. ( Statement of Dispute- mailed via USPS on XX/XX/XXXX. Action taken by TransUnion, XXXX and XXXX  Credit Bureaus- No Action Taken. ) # 2.  ILLEGALLY DELAYING XXXX MONTHS, ( XX/XX/XXXX - XX/XX/XXXX ), TO ADD 2nd STATEMENT OF DISPUTE TO NEGATIVE ACCOUNT FOR WHICH THE PERSONAL STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion, XXXX and XXXX found on XX/XX/XXXX ; Criminal Conduct- Elimination of all Accounts in Good Standing in Retaliation for pressure to add Statement of Dispute- 2nd Attempt sent XX/XX/XXXX to negative account for which the Statement of Dispute was intended for. ) # 3. TRANSUNION, XXXX  AND XXXX ILLEGALLY DELETED ALL ACCOUNTS IN GOOD STANDING FROM MY CREDIT HISTORY IN LIEU OF ADDING MY PERSONAL STATEMENT OF DISPUTE TO A NEGATIVE ACCOUNT FOR WHICH THE STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion per my call to them in XXXX on XX/XX/XXXX ; Attempting at present to cover their criminal conduct, against myself and the Federal Government, by deleting both my Personal Statement of Dispute and the Negative Account for which the Personal Statement of Dispute was intended for. TransUnion also stated to me in response to a written average dispute that I submitted to all 3 of the afore mentioned Credit Bureaus in XX/XX/XXXX that the Negative Account spoken of above, which is " XXXX XXXX XXXX '', and the collection agency, " XXXX XXXX XXXX '' who purchased the charged off negative account of XXXX XXXX XXXX are owned by the same people and hence could not be removed, even though the negative account by XXXX XXXX XXXX is an Unknown Creditor and was disputed as such per my legal right. - Action taken by XXXX ; Attempting at present to conceal their criminal conduct by having deleted my Personal Statement of Dispute from the Negative Account that it was previously attached to and by showing only XXXX Accounts of many previously in Good Standing and showing those XXXX Accounts as closed. - Actions taken by XXXX  ; Unknown at present. )
Consumer complaint received 2018-07-22
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX I made Experian aware of incorrect information on my credit report filing a dispute, although I sent physical evidence supporting my position Experian still continue to report adverse information, the disputes continue to this day. XX/XX/XXXX Experian claimed to reinvestigate the matter and reported as accurate and verified, I asked for physical proof fcra 609 for my own records which Experian has not responded I asked them to reinvestigate which they decline fcra 611, Experian continue to place itself above the Law.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC (TX)

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
Consumer complaint received 2018-01-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I WAS CHARGED FOR THINGS I DID NOT AUTHORIZE ON MY ACCOUNT. WHEN I RECIEVED MY STATEMENTS BACK WHEN THIS HAPPEN I CONTACTED VISA BANK OF AMERICA AND LET THEM KNOW THAT THESE WERE FRAUD CHARGES. THEY TOLD ME I WAS TOO OLD TO REMEMBER AND I PROBABLY DID MAKE THESE TRANSACTIONS. I TOLD THEM I DID NOT AND TO PLEASE STOP BEING SO MEAN TO ME. THEY CONTINUED TO SPEAK TO ME SO MEAN. I ENDED UP HAVING TO PAY FOR ALL THESE CHARGES AND THEN THEY CLOSED MY ACCOUNT WITH THEM. I WILL LIST THE CHARGES ; XXXX/XXXX/XXXX XXXX XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIME SHARE BY OWNER- XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIMESHARE BY OWNER- XXXX CARD ENDING XXXX RESORTS FOR HEROS- XXXX NOT SURE OF THE DATE I DONT REMEMBER PLEASE HELP ME TO GET MY MONEY BACK THAT WAS STOLEN FROM ME. IM A ELDERLY MAN AND THEY TOOK ADVANTAGE OF ME FOR THAT REASON TELLING ME I FORGOT AND I DID NOT. I KNOW WHO I MAKE CHARGES WITH AND I DID NOT AUTHORIZE ANY OF THESE CHARGES.
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

On XX/XX/XXXX, I suffered from a possible allergic reaction, including XXXX difficulty. Accordingly, a relative drove me to the emergency room at XXXX XXXX XXXX in XXXX, Georgia. 

I incurred {$6200.00} in total charges, offset by an adjustment of {$3600.00} for having no insurance, leaving a balance due as of XX/XX/XXXX of {$2600.00}. 

On XX/XX/XXXX, I obtained a letter from XXXX XXXX XXXX, indicating my approval for 100 % discount from the Georgia Indigent Care Trust Fund, retroactive to XX/XX/XXXX. 

I have shared this letter Indigent Care approval with the billing department at XXXX XXXX XXXX on multiple occasions. 

Nevertheless, the XXXX XXXX XXXX sent the account for collections to XXXX XXXX XXXX. I have shared the XXXX XXXX approval letter with XXXX XXXX XXXX. 

As of XX/XX/XXXX, the charge appears on my credit report from XXXX and XXXX.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, Transunion and XXXX has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) Transunion displays 1.XXXXXXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXX via XXXX XXXX 5XXXX XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) XXXX, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXXXXXX 3.XXXX XXXX XXXX 4.XXXX 5.XXXX ( 3 ) XXXX. 1.XXXX  XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6 XXXX XXXX XXXX XXXXXXXX 7.XXXX XXXXXXXX XXXX. 

I am XXXX, Retired Lifetime. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.
Consumer complaint received 2018-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Re former complaint number XXXX which CFPB closed as it seemed satisfied with BofA 's response : If XXXX XXXX, 2017 ended the 10-day monitoring period, why did it take BofA another month and a half to return the {$1600.00} to my accounts? That is the issue that BofA continues to dodge. I want BofA to address the issue that it took TWO MONTHS to return the funds to my accounts when BofA admits they knew the charges were fraudulent on the day they happened. Please address that issue and not that BofA DID return the funds. Address why it took BofA SO LONG to return the funds.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XXXX XXXX, XXXX, I went into my local Fifth Third Bank and paid off my Mortgage Loan in full. I was told to pay my XXXX payment of Property Taxes. I went to the Court House and paid my Property Taxes. In XXXX I received a letter from the Court House that 5/3 had also paid my Taxes. 
I then went online to my banking and saw that my Mortgage had Not been paid off. I contacted the local branch and found out that instead of applying my money to payoff, they took out a payment that was Not due until XXXX XXXX, they had also paid the Property tax. This should never have happened as it was paid off on the XX/XX/XXXX 
Then by the first part of XXXX, I started getting collection calls on this Mortgage and also mail every day saying I was in default.I even received a Foeclosure letter via Registered mail.I have called faxed and gone into the bank daily to resolve this. I went in and paid the {$350.00} that they had paid on my property Tax. I keep getting told on a daily basis that this will be resolved in 2-3 business days. It has been 73 days. This is ample time. The money shows on the account as unapplied. I do n't know what else to do. I have my paid receipt and the payoff letter from them. I have hired an Attorney. This is Harrassment and I have spent countless hours trying to resolve this.
Consumer complaint received 2018-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (FL)

Hello, I have tried to get verification from Bull City Financial, the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I have also sent letters to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
I sent over 4 letters demanding validation and they don't respond to me. The last letter I sent was certified mail on XX/XX/18. So far nothing and it is affecting my credit.
Consumer complaint received 2024-11-04
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. (NJ)

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 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.