davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (WY)

To Whom It May Concern : On XXXX XXXX, 2016 I made reports of identity theft/fraud to multiple organizations including the FBI, FTC, CFPB, XXXX and Experian. My reason for this action was an assumption of theft during a credit report check. As I now know part of the authentication process prior to the credit report is the series of questions regarding dates of opened auto loans, home mortgages, bank cards and such. The manner the questions were phrased implied in my opinion that I was suppose to know valid information about an active account involving my identity which prompted me to abruptly cease my credit report and contact authorities reporting my findings. After consulting a legal aide from the Federal Trade Commission website a consultant informed me that the questionnaire was common procedure and many misinterpret this process similar to my situation. I used the service XXXX XXXX to then do a credit check and was pleased to find that the only involvements with my identity were legitimate ones. Unfortunately I reported and assumed fraud had took placed and would like to inform my findings and help with the procedure of undoing anything I may have caused from my over reaction. I appreciate the time and prompt reaction. Please accept my apologies for any inconvenience and thanks for your help and understanding. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) We have verifiedthat this public record item is reporting correctly. If you have additional questions about this item please contact : XXXXI have disputed this information with transunion, as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However transunion is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with transunionbelow was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXXSatisfied Judgment Filed XXXX ; XXXX XXXX XXXX Court ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XXXX ; Verified XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Please help assist me, there is a judgment showing up on my credit report which is NOT mine. I have disputed several times and Experian reply 's they verified which is not accurate. I called the court house and the company whom filed the judgement and confirmed myself this is not mine. I want it removed from my report. There is also another issue reporting XXXX XXXX child support, this is inaccurate also stating I owe I do not owe anything on child support again took it upon myself and contact this agency, I am correct nothing is owed, I also am requesting this be removed. It is very sad this agency does n't verify anything and keeps on reporting inaccurate data. My next step will be hire an attorney and contacting my states attorney general office if not resolved.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (TX)

They continually call me during the day ( more than XXXX times ) on my cell. They have also called both of my sisters, which I am not sure as to how they got their phone numbers. This is over a debt of {$120.00} for apartment cleaning charges. I am making payments on the debt owed. Current balance is {$50.00}. I refuse to pay the whole amount at once to them. They can get it in payments ... but as long as they are receiving payments, I was unaware they could call continuously.
Consumer complaint received 2016-01-13
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (GA)

I am a customer of PNC Bank. I transferred {$150.00} from checking account to my Credit Card on the XXXX XXXX 2016. I received a confirmation of a successful transfer which I still have, but the money has not been credited to my credit card nor has it been returned to my checking account. I contacted the XXXX PNC Branch where a young lady named XXXX helped me. XXXX spoke with me today and stated no money had been transferred, and that technology is not 100 %. I am citizen that lives paycheck to paycheck, I monitor my money and I cant afford this.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (VA)

Received a letter from Enhanced Recovery Company LLC indicating I have a balance with XXXX for {$92.00}, but can settle it by paying them {$55.00}. That amount has never been my monthly expense, XXXX XXXX confirms my account is current and they 've never authorized this collection agency. Their account number on the collection notice in no way is similar to my XXXX account.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (DC)

On my Chex Systems Reports ( even up to now ) there shows a balance due to XXXX XXXX for {$800.00} ; this balance due has been discussed with XXXX and resolved as arising out of fraudulence and XXXX XXXX HAS XXXX OUT THE BALANCE DUE = THERE IS NOW NOTHING DUE TO XXXX, I CAN OPEN A BANK ACCOUNT AND AM IN GOOD STANDING. 

I have written Chex Systems regarding this to update and remove me from their list, because XXXX has XXXX out the old balance and I no longer owe anything ; I have provided lettres written to me by XXXX and everything - yet Chex Systems claims that they have called XXXX and verified the debt as still open and not resolved, they have also claimed that the letters I have forwarded them are not valid/legit/altered, and refuse to clear my name and remove this from my report. 

I am now attaching yet ANOTHER letter that I have received faxed over DIRECTLY from XXXX - in which one can CLEARLY read and see that everything has been XXXX out resolved. 

Chex Systems DOES NOT have the right to claim that the writing is not clear, CAN NOT claim that this is not a valid lettre, and XXXX has commented several times to me before that they can find no record of Chex Systems EVER having contacted them to validate my case ( and that if they had of done so, the entrance in Chex Systems would have been corrected/removed ). 

Chex Systems, like any reporting agency, must follow the rules of the FCRA regarding anything that is reported and then rectified due to Fraud/ID-Theft. Per the FCRA regulations I demand that Chex Systems stop playing games and, per the FCRA regulations, YOU - CHEX SYSTEMS - IMMEDIATELY OBEY the law and remove this XXXX entry from my report per the letter attached and per discourse with XXXX VALIDATING/VERIFYING that the unpaid balance has been resolved to XXXX and satisfied. 

YOU, CHEX SYSTEMS, ARE OBLIGED AND MUST obey the law - I do not know who you think you are, but if you do n't update my file appropriately and with the proper expedience ( within 4 business days, per the FCRA regarding cases of Identity Theft/Fraud ) I 'll pursue you in court with my lawyer in XXXX as well as a local attorney there in XXXX.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

This company XXXX XXXX XXXX XXXX XXXX, TX-XXXX Telephone XXXX XXXX is reporting to Experian that I owe them XXXX. For a rent sofa that was picked up by the store truck. I have disputed this Item over XXXX times and the credit reporting agency is telling me they can not do nothing at all. I call this company and they told be they do n't have this acct and do not know who does ... but they are still reporting. This has cause me and my family severe damage on my credit ... PLEASE HELP.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have a business credit card through Capital One. Back in XXXX XXXX, Capital one requested documentation to bring the account into compliance with the XXXX XXXX. They requested corporate tax returns, which I refused. I offered to send a XXXX, which is industry standard. I argued about it with the representative, and she finally declared she could resolve it over the phone, and I should consider the matter resolved. Then on XXXX XXXX, XXXX, I discovered the card was closed. I called Capital One, and they said it was closed due to lack of XXXX documentation. I offered to send the XXXX, just as I did in XXXX, and Capital One sent me an e-mail link to a website where I could upload the XXXX. The person I spoke with on XXXX XXXX led me to believe the account could be reopened once the XXXX was squared away. I called today, XXXX XXXX, to follow up, as my account was to have been expedited. The representative today told me my account was closed because I failed to accept an offer they sent me in the mail recently. I recall the offer, and nowhere in that letter did it say my card would be closed if I made no selection. After escalating the call, I was told there was no hope of resurrecting the account or recovering the over XXXX rewards miles associated with it. After stating that I would file a federal complaint, I was transferred to a " manager '' who said maybe the account could be opened, maybe it ca n't, and she does n't know why I 've been getting different stories at every call. My wish is that at a minimum, the rewards miles on the business card be transferred to my personal card with Capital One so I may use the rewards I rightfully earned according to my contract with Capital One. At most, I would like the account reopened, with rewards reinstated.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.
Consumer complaint received 2024-10-01
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)

In accordance with the Fair Credit Reporting act XXXX Account 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 2015-06-03
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

INCIDENT NO. XXXX, XXXX XXXX, XXXX. XXXX, 2015, {$660.00} + {$16.00} FEES. 
Receiver : XXXX XXXX XXXX, Payout location : XXXXXXXX. XXXX went to pickup the money on XXXX XXXX, 2015 and was told that it had been picked up by XXXX XXXX XXXX. I 've never heard of this person. All the documentation I have lists XXXX XXXX XXXX as the recipient. 
Western Union says they are not responsible because someone called them and told them to change the recipient. Which is a ludicrous statement, and does not override a written contractual ageement. I have been back and forth with Western Union and they claim are not at fault. However, even the documentation they sent me states the recipient was not the listed recipient. Also, there was a security question. Surely this XXXX XXXX XXXX was not able to provide the answer to the question. 
Bottom line is that Western Union gave my transfer to the wrong person and is saying they are NOT responsible. 
Aside from being in a XXXX, my friend is without money. He was unable to catch his flight and has accrued hotel expenses of {$1000.00}. 
What they have done is illegal and need to pay up the money accrued at the hotel as well as the initial {$660.00}.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Contacted Bank of America Credit Services prior to departing the country on XXXX/XXXX/2016 to inform them of a change of address. I will not have a physical address in the U.S. for at least the next 6 months. I have established a P.O. Box with the USPS and set mail forwarding to begin XXXX/XXXX/2016 when my lease terminates at my prior U.S. physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX. I am out the country for work-related tasks. 

I informed Bank of America of all of this and gave them my P.O. Box which will be in use for at least 12 months as per prior agreement with USPS. However, today I was unable to finalized a XXXX transaction using my P.O. Box address and instead had to use my prior physical address to finalize payment with my credit card for a bus ticket for work-related travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX where I will be staying for approximately 6 months. 

When I logged in to Bank of America Online Banking, no P.O. Box was listed so I manually added it myself, but was unable to switch my primary address from XXXX XXXX XXXX, XXXX, XXXX XXXX to my new P.O. Box address. I then called Bank of America Credit Services and was told that this was a non-issue and the P.O. Box was listed on my account. I responded that of course it was, because I had just added it. However, this did not resolve the matter with not being able to change the primary address associated with the account. 

I informed XXXX ( from XXXX ; only identifying information I was given ; Supervisor named XXXX XXXX ) that I did not want to be transferred to Online Banking nor a supervisor. I considered the matter to be closed as this was my second attempt to inform Bank of America in a timely and efficient manner of my change of address and travel/work-related needs. As the provider of my financial services, I informed XXXX that herself, her supervisor and their employer would be held responsible for the security of my personal information and the security/integrity of my financial information. No information should be sent from Bank of America to my prior physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX after the effective start date of my mail forwarding service with the USPS on XXXX/XXXX/2016. 

I am filing this complaint because XXXX was unable to give me a definitive answer abou the resolution of the update to information in Bank of America 's system in regard to my primary address, as well as the fact that she negated or disputed whether or not the facts of the matter were as they are. Indeed, Bank of America 's online account information still lists my prior physical address in the U.S. as my primary address. I also informed XXXX that if I had any further issues with finalizing financial transactions due to lack of recognition of my P.O. Box that I would file as many additional CFPB complaints as necessary to resolve this matter.
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frost-Arnett Company (AZ)

I received a Collection notice from Frost -Arnett Company dated XXXX XXXX, 2015 for the amount of {$70.00} in regards to a debt owed to XXXX . This amount was sent to collections without any prior notice to me from the XXXX even when I was making regular monthly payments on my account ( see attached documentation ). 

Because I am disputing the reason this was sent to collection, XXXX AND Frost -Arnett Company should not report it to any credit reporting agencies. If they have already reported any debt, please contact the credit reporting agencies, inform them that I was making payments and that the reported debt in dispute should be deleted from my credit report.
Consumer complaint received 2015-04-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Several years ago my XXXX mortgage was transferred to Green Tree for servicing. I immediately called Green Tree to set up on-line payment of my monthly bill. Well, I was rudely informed that Green Tree does not accept on-line payments. The customer service person, referred me to a phone line that handles complaints about Green Tree. Can you imagine the number of complaints Green Tree receives, if they have a separate department that handle these matters for the company. 

This morning I received my SS payment on-line and immediately went on-line to pay XXXX Mortgage, XXXX XXXX Bank, XXXX XXXX, and XXXX Card. And I will mail my payment to Green Tree, because on-line payments do n't work with them.
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

My family and I live in insecurity, which apart from our economic situation we have been facing since 2007 by the economic crisis that I hit us, we have used various means such as law offices, offices that meet mortgage problems, deal directly with the XXXX XXXX XXXX and it 's all the same bank fraud treatment calcularnos As we won without being certain to reach a payment at your convenience, we have been going from bank to bank and are today with green tree, my house cost 400K and today day no 260K worth more, the last lawyer who seek told us that there was a mortgage fraud because there existed the original mortgage note among other irregularities at the time of sale, but wanted 15,000 dollars to help eight years later I have not solved anything and if XXXX XXXX intentions on the part of banks and could have been a solution to this problem. Our little XXXX does not allow us to clearly understand the process and we are afraid to take any decision. May XXXX have mercy on our family.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (WV)

XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

All XXXX agencies are still reporting this entry that was once included in abankruptcy case in XX/XX/XXXX-XX/XX/XXXX. This account is beyond the time limitation. 
Furthermore it was sold to another creditor and now in and good standing. 
This account should be deleted because of this is the same account since XX/XX/XXXX. The XXXX XXXX XXXX. XXXX. I am now with another companytrying to pay my loan and they also have negative entry to the account. Ihave disputed this account with Experian, XXXX and XXXXover a year about this entry but they refuse to delete this account.
Consumer complaint received 2015-06-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (FL)

I have never once held a cell account or phone with XXXX. I do not know what the debt is for with XXXX and noone tells me why they keep reporting it. Again my service was never with XXXX My business line is the only XXXX i have and that is current.
Consumer complaint received 2015-07-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

I have sent XXXX different letters requesting validation, proof that they sent me a Dunning Letter ( which I did n't receive ) and a thorough breakdown of their protocols to remain HIPAA compliant. I 've received nothing. Any money I could have owed should have been paid by my insurance.