davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (CA)

In XX/XX/2016 I enrolled for a program through XXXX XXXX for XXXX tech when enrolling they stated I had 30 days to cancel. Before my 30 days up i called and stated I was no longer intrested in the program and asked if it culd be cancelled and the represenative stated that it was ok. So I left it was that.. and a year later come to find out the account was sent to collections, first I went through one agency then later that was removed from my credit report which was a relief because I had told them to cancel it. But now its showing up on my credit report through a now diffrent collection agency who kepts reporting om my credit. The name of the agency is " ABILITY RECOVERY SERVICES , LLC. The original creditor is XXXX XXXX ... I do not have account info becuase i disgarded all the paper. APPRECIATE YOUR ASSISTANCE!! 
email address is XXXX XXXX
Consumer complaint received 2018-10-09
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. (IL)

this is not a duplicate request. 

on XX/XX/2018 I received a response from the Experian company stating that there are no longer 2 bankruptcies being reported, ( at the time of my complaint there were ). the chapter XXXX bankruptcy that was also being reported also has been removed and unable to be verified. the Experian company continues to violate of the fair reporting care act. the information that was being reported in the chapter XXXX that was removed due to invalidation, is the same invalid information being reported in the chapter XXXX, this bankruptcy is not mine. please remove the chapter XXXX bankruptcy that is also invalid from reporting on my file. I will attach the letters from the courts as they have no bankruptcy reporting under my name, also the furnisher of this information has verified that they have not supplied the Experian company with this info which means Experian is being deceitful on not forthcoming on the results of this dispute. I have provided Experian with all the information and request as required by law in getting them to stop reporting this as it is harming my reputation and my good name. I HAVE NEVER LIVED AT THE ADDRESS REPORTING THIS BANKRUPTCY AND I HAVE GIVEN THE FTC REPORT AND POLICE REPORT TO PROVE THAT THIS ADDRESS IS NOT MINE
Consumer complaint received 2019-11-18
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: DISCOVER BANK (MA)

XXXX claimed they delivered a package to my address, which I never received Listed below are the delivery facts from the USPS regarding shipments XXXX & XXXX, with the supporting documentation enclosed. 

I. There was no signature II. The packages were delivered to zip code XXXX. 
a. There are XXXX souls living in XXXX dwelling units in ZIP code XXXX. 

XXXX provided no information that the package was delivered to my address, let alone signed by anyone. The only information provided shows that the packages were left at or near the mailbox in one of XXXX dwelling units. At or near mailbox does not indicate that the package was even placed inside of a secured area, let alone a secured area in my building. 

How am I being held responsible for a package for which there is no proof that I received? XXXX for a small fee, {$.00}, could have requested delivery confirmation from the USPS. This would have ensured that an authorized agent signed for the package. Alternately, XXXX could have ensured the packages for approximately {$4.00} each. 

There is no evidence to support that I received the packages.
Consumer complaint received 2018-04-13
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. (IN)

I contacted Experian Credit Bureau and opened an investigation into an inaccurate Bankruptcy filing in XX/XX/XXXX and associated incorrect address. The dispute was submitted on XX/XX/XXXX. I explained that this account has been disputed several times, and I requested a thorough investigation. 

Experian replied 2 days later ( XX/XX/XXXX ) and stated that the information was verified and will remain. 

I contacted Experian immediately on XX/XX/XXXX, and they stated a " third party provider '' provided the information. However, they advised that they could not tell me who that third party provider was. 

This is seriously affecting my ability to buy a home for my family, and I need help getting it resolved. 

I am more than happy to provide any additional information that may be required. 

Thank you.
Consumer complaint received 2018-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (GA)

Dear XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, 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 allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2024-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Consumer complaint received 2024-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}
Consumer complaint received 2018-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (GA)

On XX/XX/2013, this debt for { {$2700.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2024-09-04
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. (HI)

I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX on XXXX in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. 7102 ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by human trafficking and debt bondage. We have identified XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate human trafficking, we've identified an issue with XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of debt bondage. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXX Founder & CEO
Consumer complaint received 2024-09-04
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. (TX)

My personal information was exposed in a XXXX XXXX XXXX data breach, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquiries and accounts ... XXXX also attached supporting documents. 

Fraudulent Inquiries and Date of the inquiry 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 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 XXXX
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

Mortgage was held by Stearns Lending in my wife 's name only. ( Both our names were on the house title. ) My wife passed away in XX/XX/XXXX and Stearns was notified. The mortgagor 's name was changed to " The Estate of ... ''. I continued making the mortgage payments under this arrangement until XX/XX/XXXX when I bought the loan from Stearns. Stearns sent a check to The Estate of in the amount of {$1000.00} which I believe was a refund of funds impounded for property taxes. I spoke with a Stearns representative on XX/XX/XXXX and asked that the check be reissued in my name. The rep was to send an email to their Escrow Department. A month passed and there was no communication from Stearns. I called again on XX/XX/XXXX and spoke to another representative. She acknowledged my previous call about this issue. After she consulted with a supervisor, I was told that the check could not be reissued in my name since I was not the mortgagor. She said that the loan was not assumable, which is true. I asked what would happen to the money I paid for property taxes and she did not know.
Consumer complaint received 2018-04-14
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. (MA)

XXXX XXXX through their Corporate Complaint Advisor sent me a letter within declaring an existing Account before belongs to them had belong to another institution, I always knew made that reality worth until finally XXXX had did recognized. The Account before came to XXXX had belong to XXXX XXXX XXXX/XXXX XXXX XXXX as also like XXXX does declares on letter. While under XXXX/XXXX  there a document that show a missed first payment at XX/XX/XXXX, on document there a reference at XX/XX/XXXX I had 3 payments past due. 
Why Experian do not act as they state on their Reports as " ... .This information is generally removed seven years from the initial missed payment that lead to the delinquency. Missed payments and most public record items may remain on the credit report up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, ... .. '', its not my case. 
Why Experian does not accept the Bank letter as a prove within other doc copies I been sent all these months asking to someone take a fair attitude within a consumer. What kind of investigation Experian does when answer back do not refer names? 
Are Experian above law to manipulate or hold information the way more convenient for third parties? 

I do have documents to prove all!!! 

I do ask to CFPB to make value your authority to push Experian fix that issue/matter!!!
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I discovered that this information had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence. I have been keeping up with my credit file and attached is the screenshot of the removal XX/XX/2016. I disputed this issue with Equinox through fax and was given XXXX case numbers but the only issue " verified '' was about a student loan that they claim was in a bankruptcy case and I HAVE NEVER ever filed bankruptcy nor was that my current dispute so I am at my wits end and did n't know anything else to do to handle this issue.
Consumer complaint received 2018-04-13
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)

Hello, I have contacted Equifax several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Equifax has had several glitches which is where the mix up with these accounts came from being on my credit report. DO NOT REPLY WITH A GENERAL MESSAGE. THIS IS A REAL ISSUE AND NEED TO BE TAKEN CARE OF ASAP. 

Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IN)

A friend owed me money and wanted to pay me in Bitcoin. I accepted a created a Coinbase account to receive the Bitcoin. I created this account, received the Bitcoin, and made a bank account so I could attempt to withdraw the Bitcoin. They are holding my Bitcoin hostage until I am XXXX. Custom Service claims when I was signing up I was warned I had to be XXXX but I recall no such warning, and they let me sign up with the birthday XX/XX/XXXX. This birthdate would make me XXXX. I have {$230.00} in this account and by the time I turn XXXX in a year and a half it could be {$0.00}.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. On XX/XX/XXXX Submitted Payment of XXXX which did not go through on My Debit Card Checking Account 2. On XX/XX/XXXX Sent XXXX XXXX XXXX which Was rejected by the company as told by on XXXX XXXX. They stated " Capital One Rejected the Payment '' 3. When calling on XX/XX/XXXX Capital One " The Representative was very rude '' she asked me how i was and i responded how are you, and she stated " Groovy '' in a condescending tone, after trying to give her the money control number to explain that i had sent XXXX for a payment, she stated the Account had been Closed. due to non-payment. 

I explained to her i had been trying to pay since XX/XX/XXXX She showed no empathy, could not get me to speak to a supervisor, and started laughing in the background. ( Very Unprofessional ). 

I finally got a refund for my XXXX In XX/XX/XXXX. 

The credit card company still sends correspondence encouraging me to pay, while rejecting my payments via XXXX XXXX and my checking Account.
Consumer complaint received 2018-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

This problem concerns Regulation E and disclosure requirements regarding electronic debit and credit transactions. My bank is Fifth Third Bank. The account at Fifth Third was previously handled by XXXX XXXX and other institutions. As part of my regular account transaction activity, I receive Social Security deposits, transfers from another financial institution, dividend payments, and make EFT payments for natural gas, health insurance, life insurance, etc. As part of my account package, I received monthly paper statements via postal mail through XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I did not receive mailed paper statements. Further inquiry into the situation found that I was set up for paperless statements, something that I never authorized. At the time of this " missing statement '' inquiry, I was also informed that the bank would charge {$3.00} per month for paper statements. I never received prior disclosure that the bank was going paperless. I am an senior citizen and do not want online banking and do not have a smart phone. I thought it was my right under Reg E to be notified about electronic funds transactions within 30 days of occurrence. I also thought that I am to be notified regarding changes in account practices by a bank if they choose to charge for basic services. I typically maintain a {$1500.00} balance in my account and have a loan at the bank that is paid monthly to avoid additional checking account fees. Please let me know how this bank was able to make unauthorized changes to my account, stop notifying me of the electronic debits and credits, and create a new service charge routine from what was not previously in place without notifying me. I am very comfortable with the local branch management and believe that these problems originate from corporate office decisions.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

IN XXXX of XXXX I filled for Chapter XXXX Bankruptcy. In doing do I reafirmed 1 personal loan with XXXX XXXX XXXX, 1 car loan with Wells Fargo Financial and 1 mortgage loan with Wells Fargo. Everything was finalized in XXXX of XXXX by a district court Judge. Over the paste summer as I was checking on my Credit Score I noticed that while Wells Fargo had been reporting my auto loan since XXXX of XXXX they were not reporting my mortgage. They in fact did n't start to report my Mortgage until XXXX of XXXX. After speaking with my own bank It was discovered that Wells Fargo has incorrectly reported my on time monthly payments. I have now contacted them twice with no resolve other than they admit that they made the mistake but they refuse to report it to the credit unions. In fact my account just now showed back up on my Credit report 5 months after they started reporting it again. All I am wanting is them to fix my wife and I 's credit reports to show that we have been making making payments on time regularly scine the ReAffirmation.