davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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. (AR)

!!! Hello, My name is ***XXXX XXXX* . I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX XXXX +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

I bought a garment for {$35.00} from Old Navy store in XX/XX/2019. The cashier made an offer that if I apply for their credit card from Synchrony Bank, I shall get a good discount and I accepted the offer. After many months, I received a statement in mail with a total outstanding amount of {$190.00}. I did not recognize these charges and requested the company to provide me the original purchase details. After many weeks, I got a statement that showed that the amount relates to my original purchase of {$35.00} and the remaining balance is their monthly late fee of {$30.00} per month. I immediately paid the original amount of {$35.00} and called the company to reverse their illegitimate late fee charges. They have not yet done that and have also reported my account to the credit reporting agency as " delinquent ''.
Consumer complaint received 2020-06-03
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. (OK)

**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2020-05-06
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. (FL)

XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.
Consumer complaint received 2020-06-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

YES THIS PROBLEM HAS BEEN ONGOING WITH ME SINCE EQUIFAX BREACH MY PERSONAL INFORMATION TO THE WORLD AND THE DARK WEB. I HAVE BEEN IN A PURE AND UTTER DISTRUCTION TRYING TO GET MY REPORT BACK ON TRACK. BEFORE THE BREACH MY CREDIT SCORE WAS FAIR ACROSS THE XXXX COMPANYS. EVERY TIME I GET XXXX FRAUGLENT ACCOUNT OFF THE SAME DAY THEY PLACE ANOTHER XXXX ON. EVERY TIME I GET MY SCORE INTO THE FAIR ZONE THEY ADD A FRAUDLENT ACCOUNT. NOW THAT I HAVE GOTTEN ALL THE FRAUDLENT ACCOUNTS OFF.. MY SCORE HAS DROP BY XXXX POINTS WITH NO NEGATIVE CHANGES TO MY CREDIT FILE. WHEN FOR 2 MONTHS THE DEGROTORY ACCOUNT S WHERE ON MY FILE AS CLOSE ACCOUNTS NO REPORT STATUS. NOW THAT THEY HAVE BEEN REMOVED AND I HAVE XXXX ACCOUNT THAT ARE ALL IN GOOD STANDING. MY CREDIT SCORE HAS DROP XXXX POINTS WHEN I CALLED THEY COULD NOT SAY WHY. NOW I HAVE LESS ACCOUNT WITH THE OTHER CREDIT COMPANYS AND MY SCORE IS XXXX / FAIR
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

XXXX XXXX XXXX {$2400.00} charge me this since 4 years ago CREDIT CONTROL CORP {$560.00} charge me this since 6 years ago and have the wrong info and they still don't correct the info and say that is belong to me even thought I told them is not mine. I am a military spouse and I don't know why if I have 100 % benefits they charge me something that is not mine and ruin my credit this bad.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX operates a Business thru XXXX selling religious items online, I ordered over {$400.00} in religious and medicinal items and sent payment as requested thru XXXX, the items were never received and this person does not answer the phone and has blocked me from XXXX. I need help recovering some Of my money I dont know what else to do since I ha e tried contacting this scammer and he does now refund me my money.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (IN)

On XX/XX/XXXX I received a settlement offer from XXXX XXXX XXXX, on behalf of XXXX   offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the Professional Bureau Of Collections Of Maryland. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I was late on a payment because of the pandemic.. they lowered my credit availability by half .. Then they proceed to want the full amount ... Which was not much but its the struggle to keep a decent credit score..Nothing but problems with this card since i got approved..
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2020 To Whom It May Concern I filed a dispute with XXXX XXXX requesting a full refund due to the pandemic COVID-19 Prior to having the procedure done you must have a 30-day clearance, no doctor at that time would see anyone. My XXXX date was XX/XX/2020 Hospitals cancel XXXX XXXX per federal guidance Also, the country was on locked down I request a refund XXXX the XXXX 2020 I was told that someone will contact me. A week later I received an email stating that I would not receive the full refund and that they were keeping my deposit. XXXX {$800.00} ) I advise the representative that I never paid a deposit I paid the balance {$7500.00}. 
I requested that my bank Navy Federal dispute the charge, my bank sends me an email on the XXXX of XX/XX/2020 that XXXX advise them that they refund the full {$7500.00} which is not correct. Which lets me know that my bank fail to do an true investigation on claim when you can see a deposit on XX/XX/2020 for {$6700.00} not {$7500.00}. 
I am requesting the difference of my {$800.00} to be return to my Navy Federal Credit Union account and that some one re- investigate
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the Covid-19 dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Management Outsourcing, Inc. (FL)

XXXX XXXX XXXX XXXX sent a disputed medical debt of {$3300.00} to their collections agency NRS, without ever having sent me a bill. The entire amount is being disputed as it is still pending an appeal with insurance and XXXX is breaking the law by claiming and billing me as if they are an Out Of Network provider when in fact I and my insurance company have proven and informed them of their In-Network Status using an EOB dated XX/XX/20 wherein they were denied due to untimely filing. It seems XXXX is only claiming Out Of Network status to bill me for the entire amount because they failed to bill my insurance correctly and on time their and the account has become their loss. XXXX has claimed they took the disputed bill out of collections with NRS but NRS says it is still with them as of XX/XX/20. I have provided NRS with a copy of XXXX statement to the XXXX regarding this same complaint. And I have provided the EOB proof of In-Network status denied for untimely filing to both companies as well. Hopefully the evidence I have provided will convince NRS to close the account and XXXX to cease fraudulent Out Of Network billing practices.
Consumer complaint received 2020-05-06
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. (CA)

The Following Addresses and names i have disputed with experian severial times and they always say we dont know what your dispute is about or the information is accuate when i never lived at these addresses. i have documentation from the 2 bereus stating they removed the addresses but experian refuses to do so. 
1. XXXX XXXX i never used this name i always go by my full name or my name with my middle initial XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX never held this XXXX XXXX  XXXX XXXX XXXX, XXXX CA XXXX never lived at this address XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX  CA XXXX never lived here XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Never Lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Never lived at this address XXXX XXXX XXXX XXXX XXXX, CA XXXX Never Lived at this address All of the above information is inaccurate and i have submitted online and through mail and i get the same result, nothing gets removed or it gets removed for a moment and then they put it back onto my report without notifying me within 5 days of doing this which is a violation of the FCRA. all of the other beurus has removed this information.
Consumer complaint received 2020-05-06
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. (FL)

I have disputed the 3 bankruptcies on my credit report several times. XXXX, XXXX  & Equifax keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including XXXX, XXXX, Equifax and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you
Consumer complaint received 2020-06-03
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: Credence Resource Management, LLC (TX)

I have disputed information on my credit report with Credence beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. 

XXXX has continued to report this invalidated information with is a direct violation of the FCRA. 

Credence has continued to report this invalidated information as well.
Consumer complaint received 2020-05-06
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. (AL)

I sent letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

on XX/XX/2019 I finally received the special made for me XXXX XXXX, one for XXXX and one for sleeping with from XXXX. XXXX XXXX XXXX. and they do not fit and the craftsmen ship is so bad on the XXXX appliance it nearly sliced my finger open while trying to XXXX XXXX XXXX XXXX XXXX. So sharp that if I were to have even been able to wear it it would cut my XXXX open. The XXXX XXXX is a little better but is also not made very well. I was charged {$8500.00} for these XXXX XXXX I can ton use. I have shipped them back to XXXX. XXXX XXXX XXXX in XXXX XXXX. I am dispusting the total of {$XXXX} also If XXXX XXXX XXXX is in fact a DOCTOR of XXXX then him and his office staff should have also abtained from me my medical history including any and all medications I am on befor any XXXX work is to be done. I am a XXXX   person and should be perscirbed XXXX  prior to any work being done as I have a XXXX XXXX that should have been addressed. XXXX XXXX XXXX is not a doctor that wants people to get well he is a scam doctor that is just out for the o'l mighty dollar. I believe that care credit/synchrony bank and XXXX XXXX XXXX XXXX are inguaging in unethical business dealings as well as preitory lending and violating the fair credit reporting act. It is also against the law for my account number to be listed in its intirety on my bill.
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Two dept collection agencies ; Account Resolution Service,  XXXX XXXX XXXX, have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency Account Resolution Service reported a collection in the amount of {$1400.00} and the agency XXXX XXXX reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.
Consumer complaint received 2020-05-06
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. (IN)

My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX  XXXX 7 ) XXXX XXXX XXXX   XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX 11 ) XXXX XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX XXXX  XXXX 20 ) XXXX XXXX XXXX XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX 23 ) XXXX XXXX  XXXX 24 ) XXXX  XXXX XXXX XXXX 25 ) XXXX XXXX XXXX 26 ) XXXX XXXX XXXX
Consumer complaint received 2020-05-06
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. (OH)

Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}
Consumer complaint received 2020-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TCF NATIONAL BANK (IL)

On XX/XX/XXXX I requested distribution ( roll over ) of an Roth IRA account from TCF Bank to XXXX on the amount of {$6100.00}. My TCF account number XXXX. 
On XX/XX/XXXX I noticed that my money from this account wasn't transferred. I called TCF representative, she apologized for not transferring money as requested and she told me she will send the check to XXXX the same day, and the XXXX should received them within XXXX business days. 
On XX/XX/XXXX I called XXXX representative and the check didn't arrived. We had a conversation with TCF and XXXX at the same time and TCF representative told us the check will be send today on XX/XX/XXXX and I have to wait 2 weeks. 
On XX/XX/XXXX I had another conversation with XXXX and TCF and we have been told that TCF didn't send any check on XX/XX/XXXX. The said it was just one check send on XX/XX/XXXX. The XXXX representative ask about the address the check was send and TCF was unable to provide this information. We were informed we have to wait 90 days to start to investigate. 
On XX/XX/XXXX I spoke with XXXX - TCF manager and asked why the transfer didn't go through and why I have been dis informed that check was send on XX/XX/XXXX. She couldn't answer those questions and unfortunately I lost connection with her during my conversation. 
As of today it has been 39 days of waiting and I am very positive that the check won't arrived to XXXX withing those 90 days period. 
I hope someone will be able to help me to solve the problem. 
Thank you, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.