davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I contacted Experian via phone in regards to written dispute letters they have been sent x 's 3 so far. Experian continues to refuse to honor my disputes and investigate the innacurate information they are reporting with the companies reporting the information. The representative I got on the phone was less that helpful and I asked to be transferred to supervisor. I was then put on with a " Special Services '' agent who also parroted Experians role and refused to handle dispute process. XX/XX/2021 I recieved a postcard in the mail that a " Fraud Alert '' had been added to my report for the duration of 12 months and that this information would be shared with the other CRA 's as well. I did not initiate or authorize a " fraud alert '' as I already have a security freeze that I did indeed initiate on my file. XX/XX/2021 I recieved 2 more post cards from CRA 's anout this " Fraud alert ''. I then contacted these CRA 's to remove the fraud alert stating that I did not initiate or authorize this alert. I was informed by both CRA 's that the alert was initiated by EXPERIAN on XX/XX/2021. I the called EXPERIAN and asked to speak with the fraud dept. I was again transferred to " Special services '' agent. I explained that there was a " fraud alert '' that I did not ask for on my credit file and needed it reoved immediatly. The agent then told me that " there is no fraud alert on your file ''. I then made her repeat this ( 3 ) times and finally said " so on this recorded line you are telling me that there is no fraud alert and that Experian di not initiate this alert on my file ''? The agent became very upset and yelled " YOU CAN NOT RECORD THIS CALL ''! To which I responded " YOU are recording the call on your end and saying on record that this " FRAUD Alert " is not on my file and you did not initiate it ''. The agent then immediatly hung up on me. EXPERIAN has been contacted by me several times by certified mail and via telephone in regards to their continued illegal reporting of inaccurate information and accounts. EXPERIAN continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. EXPERIAN continuies to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. EXPERIAN continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified in accordance with FCRA. EXPERIAN continues to seek information from third party vendors and not the acutal companies and report information from the vendor as " acurate ''.
Consumer complaint received 2021-03-22
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: EQUIFAX, INC. (IL)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unauthorized information on my credit report. To this day over 60 days later I have not received a response yet. I feel as if I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate the items within 30 days gives reason to immediately remove those items from my credit report. Again it has been over 60 days which means those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach that occured, and there is just cause my information may have gotten into the hands of the wrong person to which I have filed a police report.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and TOYOTA MTR with no successful resolution. XXXX XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TN)

I got a debt Collection notice on credit Report on XXXX2021. I never received a phone call or email from this company. They just started adding Degatory marks on my credit with out reaching out to me. I made contact with Sunrise credit services and requested information which they claimed they will resend the email and I should receive it with in 24hrs and I never received it the email. I have checked all my email folders including junk folder. I even reached out to my parents and I havent received anything from them in the mail. I feel like this company is hurting peoples credit without reaching out to them.
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (SC)

This was an approved visit to hospital by the XXXX XXXX. The VA has communicated with the hospital and has paid. After speaking with VA and hospital it was clear that Radiologist billed incorrectly. VA has already spoken to them about proper procedures.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AL)

On XXXX XX/XX/2021 atXXXX XXXX, I received a text stating " The phone associated with your chime account has been updated to ( XXXX ) XXXX XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX you did NOT request this change. '' I also received an email stating my email has been updated to XXXX. I immediately tried to log into my online banking app but was complete locked out. Someone else had complete control of my account! I called the Chime Member Services at ( XXXX ) XXXXand I spoke with a representative who told me that I needed to send a copy of my ID along with the last numbers of my social security number toXXXX. I sent the requirements in an email multiple times, I have fully cooperated every step of the way. I have received a series of emails that state my account was closed due to me going against internal policies. However I can assure I did not. Anything that went against the policy was from the person committing fraud against my account. Chime has been very unhelpful, they have closed my account, wont share any details with me, nor will they reimburse any of my money. I also filed a police reportat XXXX XXXXwith the XXXX Police Department and with the XXXX XXXX XXXX Police Department where the transactions took place. I had a total of XXXX in my checking and savings account, until someone was able to make a total of 3 transactions that I did NOT authorize. The transactions were {$1000.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA, {$1200.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA {$200.00}, and Thursday XXXX XX/XX/2021 XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA.This member was able to steal {$2400.00} from me AND still has access to my account. Chime also refuses to change my email and phone number back!
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lazega & Johanson LLC (GA)

Lazega & Johanson Attorneys at Law violated my consumer rights on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law violated my consumer rights again on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law are also in violation of my consumer right 15 USC 1692f Unfair Practices. The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Me being the consumer I did not agree to pay any fees outside of the debt and or interest and I would like all of my money back that is outside of the debt. The {$110.00} in interest, {$33.00} attorney 's fees and {$600.00} in litigation expenses. These fees or not included in the original debt and Me the consumer is not liable to pay this debt 15 USC 1692f and I demand my money back from Lazega & Johanson Attorneys at Law since they continue to violate my consumer rights.
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2021-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For the out dated information I want to remove from my report, their is no function to remove it or dispute it. The following accounts are old : XXXX, XXXX, XXXX, AND XXXX. I dont see the function to report these accounts that are old and outdated to be removed ( TRANSUNION ) I would like this old information removed from all three credit bureaus
Consumer complaint received 2021-03-22
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. (NY)

I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021, COINBASE, took {$25000.00} out of my bank account leaving me with no access to the trade. The account has always been BLOCKED or restricted.

I contacted them countless of times, but there is no answer.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (NC)

I received a second NOTICE OF DEBT from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/2021 for {$29.00}. I am a federally protected consumer. I never gave consent for Linebarger Goggan Blair & Sampson, LLP to communicate or contract with me. Under 15 U.S. Code 1692, there are several violations that Linebarger Goggan Blair & Sampson, LLP committed. The debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices dated XX/XX/2021 from the federally protected consumer. I am seeking my requested remedy according to damage ( s ) sustained and regulated under 15 U.S. Code 1692.
Consumer complaint received 2021-03-19
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. (NC)

I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Zachter PLLC (MD)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX P ( XXXX ) XXXX XXXX D ( XXXX ) XXXX F ( XXXX ) XXXX www.zachterlaw.com This law Firm is representing the high interest loan company XXXX XXXX XXXX XXXX NY, I took a business Loan 5 years ago while I had a small business before It collapses 3 Years ago and i wasn't able to continue the Loan payments because i wasn.t able to afford without working. 
After years hard working and study while I am now start working and getting a paycheck and rebuilding my life this law firm put hold my personal bank account and denied me to access my paycheck and they are trying to kill my XXXX, Hence I am begging your to get your immediate assistance to help me to enforce this firm to release the hold on my account and I can feed my family, I haven't denied As I took that business loan years ago and they could have approach me to discuss the payment arrangements since I am working now instead of doing this illegal action By holding Paycheck and putting the XXXX  life in danger, This is UNITED STATES OF AMERICA, I don't think if there any law supported that someone can hold 100 % people 's paycheck and send them out to the street. 
I am expecting your full support on this Matter! 

Best Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (CA)

a few years ago I got a collection notice from XXXX stating i owed a medical bill for my daughter, XXXX XXXX XXXX XXXX. I was confused because I NEVER received an initial billing from the hospital for her ER visit and I assumed she still has medical insurance at the time. I panicked because I knew it was affecting my credit so I tried to call and notify them that the bill was never sent to me. They said it was sent several times and was passed due so it was sent to collections and I can attempt to dispute it once its paid off. I called XXXX and set up a payment plan. This month I finally finished paying everything off. I checked my bank account to get in contact with the Medical Business Bureau to dispute it since they notified me that I could once it was paid off. When I called them XXXX ( XXXX ) XXXX they stated the bill I'm refering to under " XXXX '' opened on the XXXX of XXXX in XXXX that is NOW CLOSED because i paid the {$2100.00} amount. However we couldn't proceed with the initial information intake because the date of birth and address did NOT match mine. They notified me that it sounds like identity theft and I need to report this. I gave them BOTH of my addresses that are for my residency for the last 20 years at XXXX XXXX XXXX XXXX XXXX CA XXXX and my current address since XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. 
They stated the address on the account is XXXX XXXX XXXX XXXX and I don't know anyone with that address! They also stated the date of birth was different. My date of birth is XX/XX/XXXX, the date of birth they had on file was XX/XX/XXXX! 


For the past several years I've been paying off someone else 's bill! AND my credit has been affected by it!
Consumer complaint received 2021-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I WAS GOING OVER MY CREDIT REPORT AND NOTICE THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESES COMPANIES. PLEASE REMOVE THEM AS SOON AS POSSIBLE.
Consumer complaint received 2021-03-21
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: Comerica (PA)

XXXX XXXX - inquiry date XX/XX/2020 amount owed {$0.00} XXXX - inquiry date XXXX XXXX amount owed {$0.00} XXXX XXXX - inquiry date XXXX XXXX amount owed {$0.00} coaf inquiry date XX/XX/2020 amount owed {$0.00} XXXX XXXX inquiry date XX/XX/2020 amount owed {$0.00} i have no knowledge of these accounts before today i'm trying to build my credit and this debt and inquiries please block and remove these accounts from my report i reached out to the creditors and they refuse to help me.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX I filed chapter XXXX bankruptcy in XX/XX/XXXX.of XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with Pen fed credit union while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXXXX an discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX XXXX  XXXXpen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my XXXX  is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action