davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC (FL)

XX/XX/XXXX XXXX received a fraudulent collection notice from the Bay Area Credit Service for the collection of a debt for medical service rendered at XXXX ( XXXX XXXX XXXX ) room. This service was not provided, the bill is not valid and because of the facts below it 's highly probable that an Unauthorized Disclosure of Personal Identifiable Information has occured. The details follow : On or about XXXX XXXX XXXX the receipt of multiple falsified medical bills were delivered to the residence and I took action to correct the error. The bills were from XXXX, Emerald Coast Pathology Associates and XXXX. I spoke to the XXXX office and the XXXX former accounts appear to be resolved. Due to the fact the personal identifiable information provided to the staff did not match the information for the person that received care. However, for the XXXX fraudulent charge. I was informed to speak directly to the billing agents. I called the same day and provided the details of the charge and I was informed by the agent that the bill would be placed on hold and a return call would occur detailing the results of the fraudulent charge investigation. The same bill continued to be delivered and subsequent calle were made to address the fraudulent charges. I was told by the agency the charges would be addressed but a notice of collection was still received for services that were not rendered and can be verified easily by comparing and contrasting in close detail the personal information on the charges.
Consumer complaint received 2023-05-31
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. (KS)

In XX/XX/XXXX, I started receiving 'rejection ' letters from credit and auto loan companies. Since I hadn't applied for credit or auto loans for over 5 years, I knew Identity Theft was occuring. 

All three credit reporting bureaus were advised and each put a 'freeze ' on my account on XXXX XX/XX/XXXX. I also filed a police report with local law enforcement. 

XX/XX/XXXX, I was notified by my XXXX account they had slashed my {$21000.00} line of credit because of 'late payments ' and 'excessive inquiries '. Since I had ZERO late payments, I reviewed my credit report and found alarming information - my credit score had plummeted to 'Poor ', and there was an unfamiliar credit card account fraudulently opened XXXX XX/XX/XXXX. It had late payments, an out-of-state billing address and phone number. I contacted the credit card company and advised them of the fraud and they flagged it. I submitted a fraud report to the FTC and started the process of removing the fraudulent account from my credit reports, but ran into bureaucratic obstacles and the problem remains unresolved. Meanwhile, my other credit cards also reduced my available credit. 

This enabling of fraud at the expense of a once 'excellent ' credit rating is unacceptable! The fraudulent account must be removed from my report and my good credit rating reinstated.
Consumer complaint received 2023-05-31
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: BILL.COM, LLC (OR)

Hello, I am due a {$500.00} bonus for successfully completing the requirements for both a publicly available and personally targeted promotion offered by XXXX from Bill Pay. 

Promotion : " To qualify, customers must XXXX ) open an account within 60 days of responding to this offer, XXXX ) spend a minimum of {$500.00} in Net Purchases on their XXXX business card within 45 days of account creation, and XXXX ) complete a balance payment of over {$500.00} per the account payment terms. '' XXXX from Bill Pay offered us a {$500.00} bonus. I fulfilled the requirements of the bonus offer from their promotion. I have documentation of both of the promotion and successful completion of the offer. 

I am expecting the {$500.00} bonus to be credited to me in some form. After I successfully completed the requirements with Divvy to be due the {$500.00} bonus, I received a notice that XXXX is unwilling to fulfill the {$500.00} bonus that I am due for completing the requirements. 

I reached out to customer support on XXXX XXXX to inquire about why they suddenly am unwilling to fulfill their part of the promotion for my account. I was told that because they closed my account that I would not be receiving the promised {$500.00} bonus for successfully completing the requirements of the promotion. Even the customer service representative told me she acknowledges that I did successfully complete the requirements and that she understands that this is frustrating for me. 

This is not acceptable for a company to do this kind of false advertising or to not fulfill their obligation to honor the promotion after the customer has met the requirements. 

Attached you will find information about the promotion as well as proof of successful completion of requirements. 
Timeframe XXXX XX/XX/2023 account approved and opened XXXX XXXX {$500.00} spending requirement met XXXX XXXX successfully made {$500.00} payment toward amount due XXXX XXXX the company representative XXXX I chatted with acknowledged that I completed the requirements for the {$500.00} bonus I am still receiving e-mails from XXXX  from Bill Pay acknowledging the promotion is active on my account. I have unsubscribed from commercial e-mails from XXXX from Bill Pay and continue to receiving unsolicited spam e-mails as well even after I previously have unsubscribed from marketing e-mails multiple times. Just this week, I received another e-mail offer from XXXX regarding a separate {$480.00} bonus offer. 

I just want this thing settled and I want the missing {$500.00} that I am due from completing the promotion. 

Looking forward to a resolution. 
XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EXPERIAN Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Common wealth finance at Address : XXXX XXXX XXXX, XXXX XXXX, Pennsylvania XXXX has been sending me collection notices in the amount of XXXX dollars. The collection has a pass due balance. I do not know this company and never done any business with this company as. So theres no contract with a signature from me saying I agree to pay them.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am unable to view my credit report experian is giving an error msg that says " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I have called a great amount of times to get this problem fixed and also sent in my ID & SSN and still unable to view my report
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

Citibank arbitrarily and without justification locked my account and will not allow withdrawals or the ability to close my account. On XX/XX/XXXX they stated that they needed to mail me a security code and it would take 7 business days. Two weeks later it has not arrived to my address of record and they will not release my money or close my account. On numerous occasions by phone I have passed all their security checks and they will not tell my why my account is locked. Today, they said that they are mailing a new security code, but I have no confidence it will arrive. {$18000.00} is locked in their bank and I can not access my money for living expenses.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have written letters to each credit reporting agency XXXX, XXXX, & TransUnion notifying them to update my personal information. There are many variations of my name, & outdated residential addresses. Despite me showing proof of my current address and my only legal name these agencies have failed to comply.
Consumer complaint received 2023-05-31
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. (MO)

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXXXX/XX/2021. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My Experian, XXXX and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, Broken Arrow, OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my Experian, XXXX and XXXX credit reports.
Consumer complaint received 2022-02-04
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. (VA)

I sent the XXXX credit bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX  {$6600.00} XXXX  {$5300.00} XXXX XXXX
Consumer complaint received 2023-05-31
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. (NV)

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and XXXX an identity theft report. 

XXXX  XXXX XXXX XX/XX/XXXX {$10000.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 

XXXX XXXX XXXX XX/XX/XXXX. I contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$45000.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$7200.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 


A HOST OF INQUIRIES ALSO I contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. ] XXXX XXXX XXXX XXXX auto finance 3 TIMES, 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 ALSO I ASKED THEM SEVERAL TIMES TO REMOVE ANYNNAME THAT IS NOT XXXX XXXX AND THE ONLY ADDRESS SHOULD BE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

I came home today with checks that are in my name from TD bank. First I called the company that makes the checks and she transferred me to the bank. was on hold for 40 min. guy answered asked me account number debit card number or my social security number. i gave the account number cause i was sure as XXXX not giving out my social. he claims he would take care of it and transferred me to fraud and i have been on hold for 1 hour. My address is on the checks but my old number is on there.
Consumer complaint received 2024-09-20
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. (NY)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2023-05-31
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. (DC)

There was a fraudulent application submitted with my information that is inaccurate on my Equifax report from XX/XX/2022. 
I called Equifax and the institution ( XXXX XXXX ) to remove this inquiry from my file and it has been over 1 year. Equifax continues to say that I need to have the institution contact them or send something in the mail and this institution keeps telling me that they already did because it was fraudulent. Equifax continues to say they did not receive anything and this inquiry is STILL on my report.
Consumer complaint received 2022-02-04
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. (TX)

After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last 4 digits but not the full social ). 

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me. 

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! two of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OZK (NC)

I am submitting a new complaint because CFPB closed my account without ALL issues being resolved from my bank. I submitted my follow up responses and you all took no regard to them. 

As a result in my account being frozen for no apparent reason I was not able to pay my bills which resulted in disconnections and cancellations. I am now faced with penalties from my creditors, which has caused me and my family emotional distress. My issues were NOT resolved. I reached out to your company for help and ALL my requests werent addressed. 

I am requesting that the bank be held liable for the additional expenses that I incurred as a result of their negligence in placing a freeze on my account. The bank also further informed me that they were not able to conduct an investigation because I waited too late to file a complaint. I NEVER authorized transactions that were debited from my account to be disbursed. A bank representative took upon themselves to distribute funds on 3 separate occasions ( XXXX XXXX, XXXX, and XXXX ) totaling {$11000.00} to my estranged husband, who was not an authorized signer on the account which caused my account to be overdrawn. I was forced to close my business account as a result. 

Once again, I am reaching out to CFPB for your help in holding the bank responsible for not following up with my initial requests - compensation for emotional distress, letters of apology to my creditors and refund ALL overdraft fees that were charged to my account. 

Thanking you in advance for your help in this matter. 

Respectfully Submitted
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus XXXX, Trans union, XXXX as open. There is currently a legal action taken for fraudulent activity.
Consumer complaint received 2022-02-04
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. (CT)

XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.
Consumer complaint received 2022-02-05
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. (NY)

A Lawsuit claims against XXXX engaged in unfair and deceptivec practices by forbrances and away from student programs and loans were given with high interest which is fraudulent and the interest was so high and being charged a continuing interest which make virtually hard to pay it. A loan for XXXX XXXX ends bring XXXX XXXX with incurring. Daily. My student is in question because of the almost XXXX XXXX. This practice has impacted my crefit negatively as a woman of XXXX.
Consumer complaint received 2023-05-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (CO)

I get calls from this company every couple years stating a repo debt unpaid. Last thing received from this company was XXXX. They call my work and several family members threating to sue me or take assets. This loan I have spoken with several employees and they could not and will not provide information I owe this debt only verbally. They contacted me at work and on cell phone along with calling family members on XXXX around XXXX XXXX  gave me several options ranging from {$9200.00} to {$1500.00} to take care of debt and only gave me 30 minutes to comply or they were sending my social security number to the courts. I spoke with attorney that stated there is a statue of limitations and they are a scam. Nothing has been filed. They called me at work this morning threating me calling me by a combination of my maiden and married last name which made no sense and stated good luck in court. Todays person was named XXXX XXXX and said he will serve me at work and home. They will not stop even telling them not to contact me or family and to contact my attorney. Please make them stop.