davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (NV)

Company previously responded to this issue via complaint id # XXXX but has still failed to take action based on the response provided. Since receiving the response that the information would be received from my credit files I pulled an updated version of my credit report today, XXXX/XXXX/17, and the account is now showing as account information disputed instead of being deleted from my credit reports.
HP Sears at this point has not only failed to provide validation per 15 USC 1692g Sec. 809 ( b ) of the FDCPA that this account belongs to me but they are also now setting false pretenses by claiming that information will be removed and they still take no action to remedy the situation. This action could possibly constitute fraud under both federal and state laws. Due to that fact, if the negative reporting continues on any of my credit reports by HP Sears my next step will be to review what legal actions can be taken in regards to this direct Violation of the Fair Debt Collection Practices Act.
I have attached files that show the previous response received from the company in regards to this negative account. I have also attached the updated credit report I pulled today that does n't reflect the account being deleted from the report it now shows the same negative account information with a comment added stating that the account is disputed.
Consumer complaint received 2017-07-27
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. (NY)

I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED EQUIFAX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5XXXX : XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (MI)

A company called XXXX XXXX XXXX. keeps calling my number looking for someone other than myself. I 've told them repeatly they have the wrong number. Even after they said they were removing my number they call again. Even bereating me if I know of a person named XXXX XXXX who they 're trying to reach. Very unprofessional hangs up in my face and cuts the call short without offering a solution. You get no where with this company to resolve matters.
Was called on XX/XX/XXXX at XXXX XXXX. I was n't able to answer the call that day.
Was called on XX/XX/XXXX at XXXX XXXX. Answered the call said I was n't the person looking for.
Was called on XX/XX/XXXX at XXXX XXXX. Told them I was n't the person, lady said she would remove my number.
Was called on XX/XX/XXXX at XXXX XXXX. Advised them that last time they called me someone was supposed to remove my number. Representative said she could n't help me and ca n't remove it and bereated me about knowing XXXX XXXX. Then hung up on me.
On XX/XX/XXXX I called the number back spoke to a man representative who said could n't help me unless I gave him my number but he would n't tell me his company name or who he was or company he was calling from. I asked speak to supervisor but ended up getting a regular collection person who did n't know what was going on. He just transfered my call to her line.
This lady did try to help me but could n't and did apologize for the other rude representatives. She stated it was there policy that they needed my number to remove it. She also told me the company name and where she was calling from. I advised them that I do not give my number out to just someone who calls me on the phone especially when I do n't know them and they have these kinds of practices because of scams and other fraudalent things.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (CA)

Four years ago, I asked my Bank ( JP Morgan Chase ) about getting paid interest on my checking account. They asked me how much I 'd be able to keep in the account. I told the manager, {$10000.00}, maybe more. She said no problem. They 've been paying interest on the account, but it 's a paltry 0.1 %. This month, I got XXXX XXXX interest on XXXX XXXX, 2017 -- and a charge for {$25.00} because my balance was below {$15000.00} ( {$14.00}, XXXX ). I complained, and they reversed the charge, but it still annoys me. The fee is so far out of line as to be usurious, especially considering the niggardly amount of interest they 've been paying me. One fee would virtually wipe out my interest for more than a year. I am not a happy customer.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OH)

I contacted the credit bureau 's as well as filing a complaint with the CFPB and called US Bank because they have put inaccurate information on my credit report regarding a charge off credit card with account number beginning XXXX. My credit reports were pulled on XX/XX/XXXX showing a Charge Off from XX/XX/XXXX and 6 late payments of 90+ days. I sent in the disputes that the date of last activity was inaccurate, stating that it is prior to XX/XX/XXXX. After submitting the dispute, the credit report was pulled again on XX/XX/XXXX now showing a Charge Off from XX/XX/XXXX and 43 late payment of 90+ days. These new late payments have been inaccurately added to my report. I contacted US Bank about this issue ; I was told that they report monthly and could not help me. However, it appears that the credit card decided to add 37 late payments as retaliation for my request to have accurate information on my report.
Consumer complaint received 2017-08-17
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)

Received credit reporting alerts and Transunion is displaying a 30 days late, deliquent, Missed payments account on my XXXX XXXX XXXX vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against XXXX. I am XXXX XXXX and Retired.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been trying to get a unemployment deferment as I graduated XX/XX/XXXX from the University XXXX XXXX XXXX. As my understanding goes that means as of XX/XX/XXXX I should be eligible for up to 6 months of unemployment deferment. I have been trying to obtain and fill out the paperwork to get the last 3 months of this unemployment deferment for the last month ( It is currently XX/XX/XXXX ). Phone calling Navient takes a minimum of 10 minutes to even reach a person. Then after wasting your time they often do n't help you at all. All I needed was a simple 2 page form for unemployment deferment which I am entitled to. They said that they would send it out at " midnight '' because their " system '' sends out all their emails and attachments in one big batch. Sounds like a scam. I think that Navient purposely makes this process unbearably long and takes unreasonably long amounts of time to even do something such as email you the form when the form should be available instantly on the website. Needless to say I did not receive the form. I eventually was able to get a hold of it by searching around and finding a general email address for complaints, then I was contacted 10 days after this email by someone with the form. I think they do this so that you are forced to make payments instead of defer it. I also think that they make it very hard to find an email address to use because they do n't want people having evidence in writing of such unacceptable practices. I had to make one payment already because they were taking so long to send the form, now that they sent it after 10 days they want another 10 days to " process '' the form. Each payment is for XXXX . I no doubt will have to pay another XXXX $ because their processing time is so long. My impression is that this is a system designed to lag in every aspect in order to accrue as much revenue as possible at the expense of me.
Consumer complaint received 2017-08-17
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: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I purchased XXXX tickets from a site that boasted a 200 % money back guarantee. I received an envelope with a print out of my receipt but no tickets. I called and emailed the site, with no response, so I contacted the venue and they could not help either. I filed a dispute with my credit card company and was refused, even though they also boast a money back guarantee. I reopened the dispute but was denied again. So I called and emailed several times, again with no response and I also opened a case with the better business bureau. Pay pal responded to say that they could not help, m but a member of the credit card team would be in contact. No one ever called back or responded to me reaching out further. Info : Type Counterparty Transaction ID Date Amount Reason Filed on Status Case ID Email Dispute My Ticket Tracker XXXX XX/XX/XXXX - {$260.00} USD Not as described XX/XX/XXXX Case Closed D -- XXXX  XXXX
Consumer complaint received 2017-07-27
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 (MI)

I previously notified Bank of America that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
Consumer complaint received 2017-07-27
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. (CT)

Defamation of Character and credit worthiness!!
In efforts to regain custody of my life and credit I have begun my process of rectifying inaccurate information on my reports. I have sent multiple letters and placed many phone calls to solve these issues with no success. The law is very clear as to the civil liability and the remedy available to me under FCRA section 616 & 617 if you fail to comply with federal law.
Accounts : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) should be one inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

Equifax is reporting a debt that I asked them to validate to no avail. A medical collection account # XXXX for {$210.00} It does n't even show who its from nor the name of the collection company. Please show me the contract bearing my signature, the last payment is incorrect and the amount is inaccurate. I 've asked this account to be removed previously according to the FCRA.
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSH & Associates, LLC (TX)

Upon reviewing my credit report I noticed accounts from RSH AND ASSOCIATES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to RSH. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. RSH has NOT complied AT ALL with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NY)

ENHANCED RECOVERY COMPAN XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Balance {$600.00} Highest Balance {$600.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX I have no clue about this account. I contacted them about it. Nothing has been done about it. I was told the account was opened in XXXX and we are in XXXX. Why would it take 5years later for them to report this account. Its fraud
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Macys account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through Macy 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? XXXX XXXX card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for the American Express Platinum card with American Express and got approved for the card on XXXX XXXX, 2016. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XXXX XXXX, 2016. As I noticed the card was not as good as I expected ( for example, the card was unexpectedly not widely accepted by many stores when I was traveling in XXXX, but I could use any Visa or Mastercard credit card ), I asked to close this account in early XXXX, 2016. Before I let the Amex representative to close the account, I asked the representative if I would lose the XXXX Membership Rewards after the account was closed. I was assured by the representative that no Membership Rewards in my account would be lost, including these XXXX Membership Rewards, as long as I kept my Amex Premier Rewards  Gold card open, which could keep all my Membership Rewards in my account. After getting this promise from Amex, I asked the representative to close the Platinum card, and kept using my Premier Rewards Gold card ( ending with XXXX ) until now. However, to my great surprise, I found after my Platinum card account was closed, XXXX Membership Rewards were removed from my account on XXXX XXXX, 2016, shown " adjustment ''.
Consumer complaint received 2017-07-26
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. (FL)

I have been disputing a charge ( {$600.00} ) from XXXX XXXX. since XX/XX/XXXX. The charge was for a phone plan that I did n't agree to, that charges me for every toll call. After noticing this mistake, a manager named XXXX ( extension XXXX ) reversed these charges and put me in the correct plan. A timeline of my complete history ( names, dates, XXXX XXXX, Legacy ) with this account will be uploaded and was sent to Experian Credit Reporting at the time of my first dispute.
My XXXX XXXX Credit card did an investigation and XXXX XXXX XXXX accepted my dispute and credited me the charges. This form is also going to be uploaded.
XXXX and Experian had reported XXXX as a charged off account. I disputed these charges and will upload the results of their investigation and reinvestigation. Experian actually said on theXX/XX/XXXX results that " we are unable to use it ( the documentation I provided ) to make changes or deletions you requested ''. I called Experian in late XX/XX/XXXX and told XXXX, and mentioned to him about the refusal to use my documentation. He said " Oh, you did n't have a contract with them ''. He said he will re-dispute this based on an ownership issue. He kept the same Dispute number as before.
Report number XXXX- ... ... .. with Experian was emailed to me with the results on XX/XX/XXXX. Experian came to the same conclusions, so I called them up and all they could say was to call XXXX.
A reinvestigation by XXXX came up with the deletion of my XXXX account and my Credit Score reflected this. XXXX XXXX report will also be uploaded.
XXXX XXXX and XXXX have ruled in my favor and after 2 attempts, Experian has come up with a different conclusion. I would question the process Experian went through to come to different conclusions.
Thank you,
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( XXXX # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ...
I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount.
When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that Experian and XXXX have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (TX)

I have money form my property that was sent to the state of Illinois as unclaimed and Chicago Title sent the money to the state and placed mistakenly placed another company on the check. I have tried for two months to get this resolved and Chicago Title will not sign the documents releasing the funds with out me having a form notarized which does not require a Notary, therefore no notary will sign the form.