davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

National Credit Systems has reported information to the credit bureaus that is inaccurate based upon an alleged debt with XXXX XXXX XXXX, which I do not owe. The apartment complex had claimed that I owed for damages disclosed on the move in checklist, as well as a host of other fees, which I do not owe.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I filed a complain with Transunion about removing an old student loan account ( Ohio XXXX University ) from my report ( file number XXXX ). The result of the dispute came back with " new information '' instead resulting in dropping my transunion XXXX score by XXXX points. Transunion and the creditor claimed that the account " First delinquency date was XXXX XXXX '' but the is not accurate as I have never made a payment on this loan since origination. Loan origination date was " XXXX XXXX '' and this has passed the 7 years as of " XXXX XXXX. '' Thus the " the negative information '' should be dropped from my Transunion report. 
Furthermore, Transunion claimed it is up to the creditor ( Ohio XXXX University ) to remove the negative information from my credit file. However, it does not make sense since the same complain was file with XXXX and XXXX removed the information from my " XXXX credit file. '' Finally, I requested explanation from Transunion as to why my score dropped, they can not explain why my score dropped XXXX points after this dispute ( No other recent activity happen in my recent financial history ). Then Transunion is asking me to show proof that I never made payment on this student loan so they can remove it from my file - But I told them that I have no way to prove it and that Ohio XXXX surely has no record of payment made by me. 

Note : The same dispute to romve " ohio state XXXX. loan '' was filed with XXXX ( file # XXXX ) and they removed the account from my XXXX credit file. 

Thank you so much for looking into it.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Billing statement — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I have repeatedly asked for a bill which they send rarely. So a rep calls and tells me my payment is XXXX. I pay XXXX for 2 months but still get charged a XXXX late fee both months. I call and another rep says my bill was XXXX a moth so i was charged a late fee for the XXXX. I explained what he told me. She said sorry. Again, no bill for the 3rd month but a late fee. I asked if it was n't my fault and because their rep gave me the wrong info and they wo n't send me a bill, thats XXXX in 3 months. They have even locked my card over a XXXX payment having me go the bank to show my ID. My credit limit was XXXX and my bill was only like XXXX. But because I had n't used my card in a while. Its always some kind of fee. So how many people are they charging late fees to without sending you a bill!
Consumer complaint received 2024-01-01
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. (TX)

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

XX/XX/2021 XXXX XXXX XXXX card for amount of {$590.00} I disputed this account and reached out to let them know this account was open fraudulent and that they need to remove this account from my credit report and it's still reporting no action has been taken
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-12-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

XXXX XXXX ( no longer employed ) opened an account with a {$400.00} credit to me after 90 days for achieving the minimum balance requirements. I met these requirements. Citibank did not hold up their end of the bargain and my money has been tied up for four months. When I called the branch manager XXXX XXXX he hung up on me. I have tried to call the district manager XXXX XXXX but have had no success. 
i have had similar problems with Citibank in the past. Reminds me of XXXX XXXX!
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MT)

On XXXX, I obtained a copy of my credit report. Within that report was a Medical collection, Account Number XXXX, Date Opened : XXXX ; Balance Date : XXXX ; Balance Amount : {$360.00} ; Date of Status : XXXX ; and, Status : Closed. On XXXX, I wrote to Equifax indicating inaccurate reporting and to validate said alleged collection. On XXXX, Equifax responded with an entirely different account number ( XXXX ) ; Amount - {$410.00} and Balance as of XXXX - {$0.00} ). This is in violation of Federal Law due to inaccurate reporting. On XXXX, I again wrote to Equifax asking for validation of said alleged debt. Equifax again responded on XXXX, with the same letter that they sent to me on XXXX. On XXXX, I again pulled my credit report to find that Equifax is reporting the new information that they provided to me on XXXX and XXXX. In addition, my credit report has never been marked that this account is disputed. These are clear violations of Federal Law.
Consumer complaint received 2024-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emerald AR Systems, LLC (AZ)

On XX/XX/2022 EMERALD AR SYSTEMS communicated with me without my direct consent nor by consent of court order and stated I owed an alleged debt ; violation of FDCPA, ( 1692c & 1692b ). EMERALD AR SYSTEMS used their symbol/logo on the contents of mail ; violation of FDCPA ( 1692b ). These are means of unfair practices/means to attempt to collect as its not authorized by a valid agreement between myself and EMERALD AR SYSTEMS ; violation of FDCPA ( 1692f ). EMERALD AR SYSTEMS has violated my HIPPA rights, right to privacy and created an account in their system with my name, address, date of birth, and any other personally identifiable information without my consent ; constituting ID theft. 
On or around XX/XX/2022, I sent a Formal Notice via certified mail for debt validation and to cease collection if EMERALD AR SYSTEMS could not provide the documents I requested. 
To date, EMERALD AR SYSTEMS has not complied in providing the documentation.
Consumer complaint received 2024-01-01
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. (VA)

As a federally protected consumer I am now opting out of any and all authorization, I the consumer did not give XXXX, Experian, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, nor XXXX XXXX XXXX  my written unwritten verbal and nonverbal consent to furnish my information per 12 CFR 1016.7 ( h ) 15 U.S. Code 6802 ( a ) ( 1 ) ( B ) 15 U.S. Code 1681 ( b ). 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. I want all charge offs deleted for being certificates of indebtedness and late payments removed for being transactions per the Privacy Act of XXXX 5 U.S. Code 552 ( a ). I also want all hard inquiries removed, all phone numbers deleted besides ( XXXX ) XXXX due to inaccuracies, have all addresses removed for being a non-mailable address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, and student loans removed per 34 CFR 99.31 and The Famiy Educational Rights and Privacy Act 20 U.S. Code 1232 ( g ) because my written consent was not given in order for you to release my information. I expect compliance per 15 U.S. Code 6805 - Enforcement
Consumer complaint received 2016-10-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (VA)

We attempted to pay the loan on Thursday, XX/XX/XXXX. The Check and Go ( the company that gave the loan ) 's branch had closed. We were referred to a manager. The manager did not know how to pay a loan. 
On Friday, XX/XX/XXXX, we went to the local branch, in XXXX, XXXX, only to be informed that they would not take payment on the loan because the original Check and Go branch where the loan was started was in XXXX. 
By the time we had managed to find the original branch, six days had passed to Tuesday, XX/XX/XXXX. However, Check and Go continued to assess fees and interest on the loan since Thursday, XX/XX/XXXX, even though we were able to and wanted to pay off the loan. They refused to consider letting us pay the loan using interest current as of Thursday, XX/XX/XXXX.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I checked my XXXX account to monitor my Credit and noticed a Hard Inquiry reported to Equifax on XXXX XXXX 2016 from a lender called XXXX under XXXX XXXX XXXX XXXX. I have not applied for any cards or authorised any Hard Inquiries since XXXX 2016. Please help me get this removed.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (IL)

XXXX XXXX from Dynamic Recovery Solutions contact me XXXX/XXXX/XXXX XXXX from XXXX he said i owe {$1000.00} from original creditor XXXX XXXX original accout # XXXX, he said he had mailed out a settlement letter in XXXX or XXXX to a different address he gave me. XXXX said i could settle the accout for {$700.00}. I told him i believe that account was paid back in XXXX, i asked if i could have the telephone number associated at this time and he did not want to provided it, he asked if i had a checking account or credit card i can give him to pay for this account. I continued to get calls for 3 days 3 times a day i refuse to pick up the phone, on the last day they called his supervisor was on the phone and i was not aware of this, and this rude lady just came on the phone and annonced she was XXXX the supervisor and that she wanted to settle this account today, she was offering me a settlement offer of {$730.00} that i had to give her my back information. Then XXXX said the offer had expired because it was in XXXX, then he changed it to {$530.00} i told her i needed a copy of the original letter that was sent from XXXX XXXX to their company and the balance that they claim i owe. They do n't want to provide any information to me about the original creditor. I told them to send me to my email a bill from XXXX and they only emailed me a collection bill. I called back to XXXX get more information and have got no where. I contacted XXXX today and without the phone number they are unable to find me informaiton they did a name search and ss # number search and nothing comes up with my name. I check my credit report their is not collection on their from XXXX, i called XXXX and they said its not showing anything from anyone but a medical bill that is all. On XXXX and XXXX nothing shows up in collections, only that medical bill.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Please remove these inquiries that have been placed on my report without my consent. According to the FCRA 15 USC 1681 ( b ) these banks do not have a right to request my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

We applied for a loan in XXXX XXXX, Colorado XX/XX/2016 and Wells Fargo collected {$1000.00} by credit card for them to do an appraisal on the property. After a couple of weeks of loan review, Well Fargo underwriters would not approve the loan. Since the appraisal had not been done we were told that our {$1000.00} would be refunded. They said that it might take up to 60 days which I thought was an inappropriate use of our money and questioned the long wait time. Wells Fargo charged our credit card immediately but when it comes to a refund they do not move as fast. 
This event took place on XX/XX/2016. It has been 67 days and no sign of a refund. I question this practice on the part of Wells Fargo Bank and feel that it should stopped. Any action that can be taken to help us retrieve our funds will be appreciated.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY (WA)

In XXXX 2016 was charged an over limit fee on XXXX of our business credit cards held with Wells Fargo. I spoke with someone directly at my branch asking if there was a way I can instead just have transactions declined instead of the over limit fee being automatically applied. I was told this was not an option. I have been charged {$39.00} for going over the limit a few times since, and after XXXX in XXXX I called to speak with someone and again was told there was no option to opt out of over limit fees. However, this is contradictory to information I have read on this site that states Consumers must " opt in '' to over-limit fees. Those who opt out will have their transactions rejected if they exceed their credit limits, thus avoiding over-limit fees. I would like to know why Wells Fargo is NOT allowing for this option. ( They did refund the fee charged in XXXX ). So far this year, including the XXXX charge, this XXXX card has been charged {$190.00} for going over the limit, {$39.00} each time. I would also like to confirm that the fee can not exceed the amount that has actually gone over the limit, as also stated on this website.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (PA)

Back in XXXX XXXX, Freedom Mortgage was to close the refinancing of our mortgage loan. We started the loan application in XXXX XXXX and on the onset, our feeling was things were being handled and managed to allow us a closing date of XXXX XXXX. When there were delays due to operations issues with Freedom, we requested that all of these issues be resolved before the party involved in the transaction had travel plans and would be unable to postpone them. 

Needless to say, Freedom was negligent in responding to this and closing did n't happen on time for this party to leave for Florida for 3 months. BUT, to make a solution for all concerned, we moved the closing to XXXX XXXX and myself and my other half had to pay the cost of an airplane flight from florida to our home and then return back to florida. 

Needless to say, XXXX date of settlement came and there were again problems made along the way by Freedom that caused delays in settlement on that particular day of closing. They provided a closing cost statement without knowing all of the numbers on the itemized report and could n't explain it to us at Closing. It required further email follow up days after the " closing '' for anyone to provide the complete closing details to us. HIGHLY UNUSUAL for a Mortgage Company in the business of closing loans.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Equifax refuses to remove student loan accounts that have been discharged by the XXXX on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Equifax is reporting incorrect account numbers on the XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the XXXX, proving that these loans have been discharged and paid in full and at zero balance and should be removed immediately from my Equifax credit report.
Consumer complaint received 2016-10-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FMS Inc. (WA)

My medical bill was removed and forgiven by the Hospital " XXXX '' and they removed it off all my credit bureau 's, since I had to sue them since the Doctor XXXX XXXX hurt me by XXXX, causing me to have XXXX XXXX 's. The Hospital removed the medical collection off my credit bureau 's. Now this collection company FMS INC has been told the bill was removed by the creditor, but they put it back on my credit report even thought they have been put on notice, the Hospital took if off, and forgave the Bill. Ive called FMS INC to remove it and they said that they would but after 10 days have not removed it and it is hurting me. 
thank you XXXX XXXX XXXX
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

I SIGNED UP NOT TO HAVE OVER DRAFT PROTECTION, THEN THEY CHARGED MY CARD XXXX IN OVER DRAFT FEES I HAVE CALLED GONE TO THE OFFICE THEY TELL ME BASCIALLY TO BAD, MY DAD DEPSOISTED A XXXX IN THE ACCOUNT AND THEY KEPT IT TOWARDS OVER DRAFT FEES, I DECLINED FROM HAVING OVERDRAFT SO I WOULDNT GO OVER AND GET ANY CHARGES, THEY REFUSE TO HELP ME I AM GOING TO CALL XXXX XXXX NEWS TD BANK IS RIPPINF G OFF PEOPLE ITS NOT FAIR