davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XX/XX/XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C.1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX , XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TN)

I have called and attempted multiple Disputes to have this removed from all of my credit reports, with it still showing up on at least one, XXXX in general, and I explained to them that my father and I share the same name, and we have had our identity 's crossed up during medical visits and they use my social security and account instead of his. I have n't been to the hospital or to a doctor in two+ years to even accrue  medical collection, nor did I receive any bills via Mail. I would please like to have this removed from my Credit Report. I have been rebuilding my Credit Scores for over 2 years now and It looks bad to have this small debt lingering on me. I had even set up a monthly payment plan to pay it off just to remove it. They took out 3 monthly payments of {$25.00} then it all of a sudden ceased. Once again, Please have this removed I will greatly appreciate it. <P/>
Here 's the Information of the Debt.
<P/>
Collection Information Account Name Date Reported Date Opened High Credit Balance Acct. Type Account Status Past Due Account Number Client Credit Limit ECOA Last Past Due XX/XX/XXXX XX/XX/XXXX XXXX XXXX UNRATED XXXX XXXX XXXX XXXX-XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION MEDICAL UNPAID AMSHER COLL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CHG OFF XXXX MEDICAL I XXXX XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX PLACED FOR COLLECTION Company Name Phone Fax Address, City, State, Zip AMSHER COLL ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MO)

I received a statement from  Chase Amazon  which was Due  XXXX   XXXX ,   XXXX  . I showed the balance as  XXXX . I set up payment in the amount of  XXXX  and paid it on the  XXXX . When I received my statement there was a  XXXX  interest charge. On  XXXX   XXXX ,   XXXX   called them because you should not show an amount due and then have the customer pay it, then charge them interest on it. Ironically the same thing happened with  XXXX  and they ate the charges. Since I could not come to an agreement I closed the account. To make it even better I called on  XXXX   XXXX ,   XXXX   and discovered that had already added another  XXXX  in interest since the last statement I paid off.  <P/> I asked to immediately pay off the amount due an was given an estimate and the agent could not guarantee the amount. On  XXXX   XXXX , I paid {$420.00} and will wait to see my closing statement. I will refuse to do business with any Chase company again.
Consumer complaint received 2017-06-03
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: JPMORGAN CHASE & CO. (CT)

I received an offer from Chase for the  XXXX  Premier Visa ( R ) Card. The offer was " Earn a {$200.00} statement credit after you spend {$500.00} on purchases in the first 3 months from account opening. '' I applied and was accepted on   XXXX   XXXX   XXXX  .
I charged my   XXXX   XXXX   XXXX   Tickets for {$990.00} on   XXXX   XXXX   XXXX  .
I checked my statement on   XXXX   XXXX   XXXX   and the statement credit had not been applied.
I called Chase on   XXXX   XXXX   XXXX  . They informed me that I was being sent a   XXXX   Gift Card instead. I told them that I do not need a  XXXX  Gift Card and asked for my statement credit instead. They told me that it needed to go through Marketing and that I would not be able to speak with Marketing directly.
I called on   XXXX   XXXX   XXXX   to follow up. I was told that there was no further information and that my 'request ' had been submitted.
I called on   XXXX   XXXX   XXXX   to further follow up and was told that the 'request ' was submitted but no further information was available.
I called on   XXXX   XXXX   XXXX   and was told that my 'request ' was denied and that the  XXXX  Gift Card was canceled.
I now have nothing but a {$49.00} fee from Chase. This is a classic 'bait and switch '.
Consumer complaint received 2021-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent you a debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
Consumer complaint received 2019-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (NC)

XXXX   XXXX ,  2017  I received an alert this morning from  XXXX  and  XXXX  that my complaints agains t American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my credit score to be i mpacted.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I filed a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX about Equifax having not properly resolved an account named XXXX XXXX XXXX XXXX XXXX Account XXXX, and Equifax replied to myself and to Consumer Financial Protection Bureau that this account was deleted from my credit file. I am attaching the proof to this current complaint. During this time in question Equifax did delete the accoutn from my credit file, but have since improperly reinserted and refuse to remove the account even when I notify them of the improper reinsertion. I have provided Equifax by certified letter and by fax to XXXX and have fax confirmation forms to prove they did in fact receive my complaints of improper reinsertion, however they have refused to comply with the FCRA and remove the improperly reinserted item. They have and continue to violate the FCRA by not only having improperly reinserted this item, but by continuing to act upon my demands to delete permanently the previously investigated and deleted item. Equifax did not follow the FCRA by notifying me that they intended to reinsert this item EVER. When I have spoken to the XXXX XXXX in their XXXX XXXX XXXX and made her aware of this matter she has done nothing about it. She told me to fax her the proof of reinsertion to her and the account would be removed but this has no happened.
Consumer complaint received 2017-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KAHRS LAW OFFICES, PA (OK)

XX/XX/XXXX XXXX XXXX noticed that her employment wages were less than her hourly pay from an auto pay that goes to her utility company, so her account was showing as delinquent. XXXX XXXX contacted XXXX, the 3rd party payroll company for a job she started inXX/XX/XXXX, prior to excepting employment with XXXX, XXXX XXXX has maintained a few jobs with her stent of employment lasted 2 years. XXXX emailed XXXX XXXX a judgement for a court date in XXXX out of XXXX XXXX XXXX has been living in XXXX since XX/XX/XXXX. XXXX XXXX was not familiar with XXXX XXXX or Kahrs Law Offices and called the offices hoping the matter would be resolved quickly, since XXXX XXXX is a single income household and is unaware of a gym debt from XX/XX/XXXX, XXXX XXXX moved to XXXX in XX/XX/XXXX, with the paperwork proving so and would have had zero reason for a membership in XXXX  XXXX at Kahrs office ( I had to callback several times and " trick '' the automated system to get anyone to pick up ) XXXX advised me to fax over my ID, which I now realize was NOT a great idea because that was the last time that I 've been able to speak with anyone at Kahrs office. After almost 2 weeks, XXXX XXXX FINALLY received an answer from XXXX ( who also receives a FEE from the garnishment of XXXX XXXX ' wages ) stating that Kahrs will not be releasing her wages. XXXX XXXX requested that she receive ANY paperwork claiming this debt, XXXX XXXX was informed that Kahrs does not have to provide documentation because they received judgement by claiming they 've mailed a letter to an address that XXXX XXXX no longer lived at. XXXX XXXX was informed that that was all that was needed to receive a judgement to steal wages. XXXX XXXX called XXXX County Clerk to obtain court records and found SEVERAL errors on the " judgement '' paperwork that was submitted in court, there was a XXXX address that XXXX XXXX has never stayed, lived nor received mail at or been contacted at. XXXX XXXX  has stayed at 2 addresses in XXXX sinceXX/XX/XXXX and the apartments were in the same complex, so where and how did Kahrs office obtain ANOTHER address that XXXX XXXX did not reside at and claim to be trying to " make contact '' to collect? The name of the company that XXXX XXXX recently started at inXX/XX/XXXX, was spelled incorrectly and how did Kahrs find an address that XXXX XXXX had only been at for roughly 2 months and garnish a large amount with no warning nor contact but could not find XXXX XXXX at an address that she lived at fromXX/XX/XXXX to XX/XX/XXXX? XXXX XXXX was also told that Kahrs had a photo id of her and a signed contract, surprisingly ... this information materialized after Khars office requested a photo ID. It is nowXX/XX/XXXXand XXXX XXXX can not afford an attorney in Oklahoma and Kansas ( which she has to obtain or file bankruptcy or quit a job she just startedXX/XX/XXXX, she is told that is the only way she will be able to protect her income from Kahrs office, whom she does not owe debt too. )
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (FL)

XX/XX/XXXX  I changed m y Lease payment due date to  XX/XX/XXXX  and was billed an additional {$160.00} for this change. Ever since t his change my due date has never changed and my account has shown in arrears every year around the same time. I have contacted  MBFS eac h time the payment shows additional fees and after several phone calls, and several weeks later - the solution is resolved and the charges are reversed from our account. I am guaranteed this issue has been corrected and will not be a problem in the future. The following year around the same time. The same thing happens again. Charges and fees are added to our account and it takes multiple calls, and weeks to resolve. Again we receive a guarantee it will not occur. Last month the charges appeared on our account again for the additional fees. We contacted MBFS and have not received a response as of this message. Our  Lease en ds XX/XX/XXXX  and we will NOT be purchasing another  Mercedes Benz.
Consumer complaint received 2017-06-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

Santander has  been randomly adding to my principal balance. This month it went up over {$700.00} I have a credit tool that will show this now and Ive called them about it in the past.     I have had my vehicle over  three  years and the payoff amount is only ~ {$2000.00} under the original balance due. Please investigate this company this is not something that should be allowed.     This is a link for a large number of people with similar or the same issue with Santander   XXXX   XXXX   XXXX
Consumer complaint received 2021-11-25
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

XXXX XXXX did not follow California Law where a consumer is given the opportunity to dispute a debt. There is now a Collection Status on my credit report, negatively affecting my credit score. In XX/XX/XXXX& XX/XX/XXXX, the account was under investigation with XXXX, but the results were considered 'Verified As Accurate ' after the second dispute.
Consumer complaint received 2017-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. I have complained multiple times over the last twenty years of this problem. But it keeps happening. Another XXXX XXXX ( married name ) information continually gets added into mine. Problem is she has lived some cities I have lived in at various times. But she has also lived other places I have not lived and had never lived at same addresses. Big glaring issue on my report at this time is that I have never lived in XXXX and not exactly sure where it is. It needs to be removed. <P/>2. Also, I have never used the name XXXX or XXXX XXXX ever. It is not my name. Nor is it XXXX XXXX XXXX. I was born with the name XXXX XXXX XXXX. After my divorce, I resumed the use of My birth name : XXXX XXXX XXXX. Usually I do not give out the middle name as I do not like it. Please delete the name of XXXX from my record as it is not now and never has been my name. Thank you. <P/>3. I am really tired of having this other persons info combined into my credit report.
Consumer complaint received 2021-11-25
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. (CA)

I dont have any knowledge about the accounts stated below.My personal information has been compromised. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber (CA)

i called on X/XX/2017 @ XXXX and i called several times to speak to who ever was handleing my file, the representive transfer me to a male who answere the phone, my phone was turned all the way up so i told him i could not here him at all, he said you are the frist to tell me this, so then i think he turned it up because it became clear but he got smart after doing so, and told me that i had an attitude, and i need to call back and hung up in my face, i called then to take care of a debt that i owe a medical bill. i am a elderly woman trying to take of my debt and he was so rude. so i called back the same person reckonize my voice right away she transfered the called to voice mail, twice i tried so that is why i am writing this complaint.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (MD)

XXXX University previously reported an inaccurate separation date for an {$11000.00} perkin 's loan that is set to be out of the grace period within the next few months. The separation date they assigned was 2 years into the future ( XX/XX/XXXX ). After changing my separation date, they had changed it to XX/XX/XXXX. I was still in school for majority of XX/XX/XXXX, and have on record a graduation date of XX/XX/XXXX. The school as well as ACS Education have not been understanding in this, as assigning a separation date while I am still attending school means that one month of my 9 month grace period is one where I am still enrolled in school. With the amount of the loan, the inaccurate reporting of my separation date ( which I just found out a month ago ) and this assignment of a separation date before I have graduated, seems unethical and not following the standards set by NASFAA. I know I am not the only one experiencing this and I really hope I can find someone to help me through this. A grace period ought to be a period of grace for a student loan borrower.
Consumer complaint received 2019-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Consumer complaint received 2017-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail.The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section 609 protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus ar saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see  XXXX  v TRANSUNION 1997 ).