davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$460.00}
Consumer complaint received 2022-08-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I had requested the company to do an investigation on an account wrongfully reported on my file and requested a copy of the investigation, they only sent me a letter stating the account was validated but provided no proof of how it was validated. 
I sent another request to provide proof of the investigation and to remove the account from my file, again they sent me a letter stating the account was validated and updated my report stating I refused their validation.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (AL)

I have had a checking account with Penfed for over 2 years. A fraud hold was placed on my account. I was informed I had to provide documents to validate my identity to remove the fraud alert. I have provided a copy of my State Issued ID, Social Security Card, and Utility Bill. I submitted all requested documents and was informed that it would take 48 to 72 business hours for the fraud department to review each document. The documents were uploaded on XX/XX/XXXX and XX/XX/XXXX. I contacted Penfed via email on XX/XX/XXXX, XXXX, XXXX, and XXXX. I emailed Penfed on XX/XX/XXXX, XXXX, and XXXX. I also sent them a letter on XX/XX/XXXX, that was received on XX/XX/XXXX. I have called them on those days that I sent them emails requesting status updates. Each time I contact them I have been told that the issue has escalated and that I will be contacted shortly. I have spoken to numerous supervisors who have all stated the same. I have XXXX friends who have submitted documents for identification and each of them has had their accounts opened with no issues. Penfed has taken a discriminatory stance as there has been no valid reason given why the process of identification has taken over two weeks when I was told it would only take a maximum of three business days.
Consumer complaint received 2022-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (NC)

Medicredit has been posting a medical collection they say I owe since XX/XX/2022. Monthly, they have been updating my credit report so, naturally I assumed with the new reporting rules that went into effect on XX/XX/2022, Medicredit would cease its reporting and remove the debt they are claiming I owe according to the new medical reporting rules that per XXXX, XXXX and XXXX states " The time period before unpaid medical collection debt will appear on a consumer 's credit report is being increased from six months to one year, giving consumers more time to address their debt before it is reported on their credit file. '' went into effect on XX/XX/2022. 

However, instead of updating my report in accordance with new reporting regulations, it appears they have simply decided to stop reporting all together with the last update being XX/XX/2022. And though they are no longer updating my report monthly, the debt remains on my report thus I am not granted the ease of hardship caused by an unexpected medical emergency that millions of Americans such as myself were expecting.
Consumer complaint received 2022-08-02
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. (TX)

Upon reviewing my personal credit report from MyFico.Com, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the XXXX inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXXXXXX XXXX appliance account. I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. There are also name listed on my credit report that are inaccurate. 

These names are listed below as well and need to be removed immediately. 

Date Experian XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXXXXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX Names : XXXX XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (NY)

An outstanding balance was owed for a monthly membership to XXXX XXXX. The full amount was paid on XX/XX/2022 directly with the gym. The gym confirmed they spoke with the collector and stated the full amount was paid. Multiple emails have also been sent showing proof of statement from the gym, bank statements with the manager of the gym cc 'd on each email. The debt collector states they can not call XXXX directly and that nobody has reached out. We confirmed verbally and via email with XXXX multiple times in the past month that the amount has been paid and they spoke with the debt collector saying the same.
Consumer complaint received 2023-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX ( and other dates ) I received a promotional email from Bank of America about a BankAmeriDeal. According to the deal, if I used my Bank of America card to sign up from XXXX XXXX XXXX, I would be rewarded with {$5.00}. 

I signed up for XXXX XXXX XXXX  on or around XX/XX/XXXX ( according to the BoA rep I spoke with later, the transaction posted on XX/XX/XXXX on their end ). Bank of America never provided me with the {$5.00} reward. 

When I called Bank of America on XX/XX/XXXX and XX/XX/XXXX to inquire about this, I was provided with the following explanation : Because the merchant ( XXXX ) coded the transaction as " XXXX XXXX '' rather than " XXXX XXXXXXXX XXXX '' I was not eligible for the promotion. 

I have proof that I signed up for XXXX XXXX XXXX using my BoA credit card, and I offered to provide that proof to BoA. Bank of America said there was no way for them to review that proof and that there was nothing further they could do. 

I believe this was a deceptive practice. If Bank of America meant that I would get {$5.00} for signing up for " XXXX XXXX, '' they should have said that in their promotion. But they said that I would get {$5.00} if I signed up for " XXXX XXXX XXXX. '' I did sign up for XXXX XXXX XXXX, and they refused to give me the {$5.00} bonus. It's unfair for them to not hold up their end of the bargain. Their back-end coding issue, which was never disclosed upfront, should not excuse them for refusing to follow through with their end of the bargain that they advertised.
Consumer complaint received 2022-08-03
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. (PA)

These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There was no contractual disclosure or meeting of the minds.
Consumer complaint received 2022-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

XXXX XXXX I sent a certified letter to credit control corporation to send me validation with my original signature showing I owe them a debt of XXXX Credit control hasn't responded to my request, I also advise all three credit bureau 's that credit control  is violating my HIPPA rights. As far as I'm concerned this debt doesn't belong to me and it needs to be removed right away. There address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a notice to Transunion that XXXX hard inquiries were on my report and that they were inaccurate, as they are fraud. 

An inquiry in XXXX of XXXX by XXXX XXXX and an inquiry in XX/XX/XXXX by XXXX XXXX that is also Fraud.

Under the Fair Credit Reporting Act my Credit profile is supposed to be fair and equitable and all of the information on my report is supposed to be correct. 

This information is inaccurate because it is fraud, I didn't do business with XXXX XXXX. They defrauded me. The inquiries should be removed under the law. 

The FCRA 1681 b talks about how the CRA 's need my WRITTEN consent to report to my credit profile. I never gave them written consent to report this account or any account to my credit profile.

a ) In general, a CRA may furnish a consumer report under the following circumstances and no other : 2 ) in accordance with the written instructions of the consumer to whom it relates.

I would like TRANSUNION to provide me with the documentation and my signature where I gave them consent to report this FRAUD. 

FCRA 1681 A1 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

My credit report is currently inaccurate due to the negligence of Transunion.
Consumer complaint received 2022-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX. The payment was in the amount of {$450.00}, of which {$350.00} was to be applied to interest and {$100.00} to principal. On XX/XX/XXXX they applied the entire payment to principal then after XX/XX/XXXX they proceeded to call me daily that I delinquent on the mortgage. I have tried to rectify this since XX/XX/XXXX by emailing and calling them almost daily. They then reversed the payment and applied it all to interest. Again even after numerous calls and emails they still are not applying the payment correctly and as a result I have been over charged for interest because they did not retroactively apply the payment with an effective date of XX/XX/XXXX. I have sent 6 emails to try an get this fixed to which I have never gotten a response except to say that they received my email, I have called no less than 5 times and there is never a Supervisor or Manager available to talk to. They take my name and say they will call back but they never do. I should be due for my XXXX payment and as of today they have made even a bigger mess by reversing and re-applying the payment again to interest and their systems now shows I am due for the XXXX payment which is incorrect. It's simple servicing, so I am at a loss as to why this payment can not get applied correctly.
Consumer complaint received 2022-08-03
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-08-03
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. (OH)

Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00}
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft and as a result numerous business accounts credit cards and even taxes have been filed in my name .My identity has been stolen Inumerous data breaches and business credit card was opened up in my name XXXX  XXXX  account number XXXX this account is not mine and is reporting on my report on XXXX XXXX 2024  you deleted account # XXXX please remove account from my file because this account is not mine
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I continue continuing to reach out to XXXX and all three credit bureau and let them know this is not my debt I live in Texas and been here this is a debt in Colorado and all they did was continue to mail And harassing me about a debt I didnt do nor have no idea please help me
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

XXXX credit card opened in XXXX and was purchased by Cavalry SPV I , LLC I was living and working in another country with my husband I got a note back in XXXX From XXXX formerly known as XXXX they find out that was a mistaken Identity and send me a letter. for this account. Then was sold assignee to Cavalry SPV I , LLC they have a lot of inconsistent, I come back to this country in XXXX to take care of my husband he had XXXX XXXX ( we were legally separated ) but hed no one to help him he reasinly pass away. I want to go back to my country. but is being 4 years of fitting than in court they never validate the account until after they filed suit. This is never my account I never find out until XXXX 4 months before the 4 years. They were not supposed to contact me but they had contacted me by mail by phone even though I had fie a letter of desisting. since my Husband passed away I what to go back to my country. 
every time we go to court they are ever there. 
this is 8 years old can you help me. I have no letter no contract Only what they give me I still fix in my credit is not in my credit they find out on my credit report the was another person using my name XXXX. 
XXXX XXXX
Consumer complaint received 2022-08-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-South Adjustment Co., Inc. (TX)

Hello Sir/Ma'am I am writing as concern as a service-connected veteran of XXXX XXXX. For over 9 years the VA has deducted amounts owed to services rendered by the VA Outpatient clinic from my VA XXXX compensation. I am 10 % service-connected, and never once had paid out of pocket for medicine due to it the VA taking it out of VA XXXX compensation. The VA has showed me over the course of 9 years and more that is what they do. It is disturbing on many levels that I now have a debt collector and that my credit is now going to be affected due to someone not taking {$8.00} from my compensation, now I have a balance of {$33.00} dollars. The VA always had a way to access unpaid funds from me, since that is what they have been doing for over 9 years, with the exception of that 1 time. Veterans to include myself struggle with XXXX due to things that happened in the military and to have this happen to me. It makes think that this is happening to other veterans needlessly. Especially, when the VA has an avenue to get their money, and that my service-connected XXXX is paid by the VA. it does not make sense. This should not have gotten to this point due to having methods to deduct {$8.00}.