davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
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: EQUIFAX, INC. (AL)

In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

I noticed a collection on my credit report for a medical bill that was invalid and that I was unaware of. The account had been sent to collections with CommonWealth Financial. I mailed a certified letter to the collection agency disputing this debt and requesting its validation and/or removal from my credit report. This letter was mailed on XX/XX/XXXX. I waited the customary 30days for a response from the collection agency, but none was ever received. I then mailed another certified letter to CommonWealth Financial requesting validation or removal of the debt from my credit report on XX/XX/XXXX. I have not yet received any response to my disputes from this company. The original debt remains on my credit report, and it is negatively impacting my purchase power as a consumer in good credit standing. I am now completing a complaint with XXXX against CommonWealth Financial for their failure to comply with my repeated request, and their violation of the FCRA and FDCPA, as well as potential state and local laws. I would advise any person that has business with CommonWealth Financial to be cautious of their business practices, their lack of transparency, and willingness to violate the Fair Credit Reporting Acts.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP (FL)

This is a complaint against the company XXXX, in the month of XXXX  I applied to process credit cards of my clients, I am a XXXX  and this company destroyed my financial life, they closed my point, the worst thing is that I delivered the product and they They blocked the money, according to them I made a violation, I wonder what violation I made so big for working that they reported me in the match, however now I can not work, nobody approves me a point because of this company, but this is not It will stay like this, I will demand them to destroy my financial assets and make me lose my job. demand comes out, you have no right to destroy the life of a human being, I am an American city and I know the laws and I will have to pay every penny I have lost for having gotten in the match, I know them very well. you destroyed my life now they demand, destroy me and leave me without work
Consumer complaint received 2019-03-07
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. (WA)

Transunion is reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX XXXX, partial account numbers XXXX ; XXXX ; XXXX and XXXX. I have contacted the bureau and requested these items be deleted or the coding corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2019-05-21
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: Experian Information Solutions Inc. (OK)

This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (PA)

FRAUD ACCOUNT OPENED UNDER MY NAME FROM WAYPOINT RESOURCE GROU XXXX XXXX XXXX  XX/XX/2018 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Liquidation Services Inc. (MN)

A friend had used my name as gas pull offs and went to court in my name, have about 10 total debts because of this and a XXXX on my record for it but was never able to report this for personal reasons. They are charging me taking taxes from me for this debt and its not mine
Consumer complaint received 2019-05-21
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: CITIBANK, N.A. (NY)

While I have filed a previous CFPB complaint about this issue, Citi 's continued appalling behavior has left me no choice but to file another complaint. I have the Citi Aadvantage Business card which advertises a free checked bag when flying with XXXX. When I tried to use this benefit, I was told I could not because it is only available on select flights. Due to Citi not highlighting this, nor working towards any solution, I was forced to file a CFPB complaint requesting the {$60.00} in bag fees be refunded. Through the CFPB, Citi declined my request. I sent feedback regarding why I was not satisfied with the response. A representative from Citi EO office subsequently called me and said she did see a page where it was not clear that it was for domestic flights, so she offered me a {$30.00} credit and I accepted. I also notified her of another advertising discrepancy regarding in-flight wifi, which she said she would look into. A week later, I still did not have the credit on my account, so I called Citi to see if the {$30.00} would be posted in the next statement or if the EO office rep had forgot. The first agent had no idea what was going on, so I requested a supervisor. He transferred me to a representative in the US who tried to explain to me why I was wrong to request a refund for the bag fee - which Citi had already agreed to - and transferred me to an Account Manager in Florida, XXXX. XXXX was underhanded, condescending, rude and insinuated I was a liar regarding the {$30.00} statement credit. He chided me about how it's " in the terms ''. I told him, in no uncertain terms, that I will not be spoken to like that and disconnected the call. I was promised the {$30.00} credit and I demand it be applied. Please note a copy of this CFPB complaint will also be forwarded to the offices of XXXX XXXX, Rep. XXXX and XXXX Councilman XXXX for their review.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Credit & Collection Corporation (TN)

XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had XXXX on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad XXXX three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.
Consumer complaint received 2019-05-21
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: EQUIFAX, INC. (GA)

Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX/XXXX, XXXX and XXXX.
Consumer complaint received 2019-05-21
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: Experian Information Solutions Inc. (GA)

Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX/XXXX, XXXX and XXXX.
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USI Solutions Inc. (TN)

First time USI solutions called was on XX/XX/2019 from a XXXX XXXX, he left a message for my to call him back today. So I did call him back, I called him back, could not tell me what exactly it was for. I ask for his Lic # and he said I didnt need that. He got rude, calling me every name in the book, I hung up. 
Today XX/XX/XXXX he called my wife on her cell phone, and cursed at he demanding he to talk to me. I then called him back and told him not to call or Im pressing charges, he then started threatening me to pay. Ask me to confirm my address, which he new, he did that as a threat, letting me know he knows where we lived. I need help with this scam.
Consumer complaint received 2019-11-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

On XX/XX/2019, I wrote a letter to Nissan Motor Acceptance and asked for them to verify a debt that they are reporting on my credit reports. This is my right under the FCRA. Nissan did respond to my initial letter on XX/XX/2019, and they said " upon further review we unable to locate an account for you using the information you provided. '' Nissan requested that I send in additional information, such as a social security number, so they could properly investigate the problem. Nissan did assure me that they are reporting correctly, however my rights say something completely different. The law says that I need proof within 30 days of them receiving my request, not an assurance. I did honor Nissan 's request, and sent in an additional letter with my social security number on XX/XX/2019. The 2nd letter was received by XXXX XXXX of XXXX on XX/XX/2019 at XXXX XXXX via USPS certified mail. Today is XX/XX/2019, and I have yet to receive any sort of response from XXXX. We are well past the 30 day response limit, which is mandated by federal law. Nissan Motor Acceptance is currently in violation of Federal Law, and needs to remove this derogatory information from my credit report immediately. As a consumer, I do have the right to verification of debt within 30 days of receipt, and Nissan Motor Acceptance did not provide me with that. They did not even respond to me, so it is safe to assume that Nissan does not have the proper validation or they just would have sent it to me, since it is federal law to send verification upon request. I have attached all proof of my above statements. Please remove this immediately. It is unfair to the consumer to have this derogatory information, and Nissan can't even provide proof.
Consumer complaint received 2019-05-20
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: U.S. BANCORP (MI)

I called and emailed US Bank AND started a dispute with all the major credit reports. I did NOT have a 30 day late in XXXX. I was sent a second card, not know that I was paying on the wrong account. They reimbursed me each item and it took a few months for me to figure out what was going on. My lease is up and I need this off all my reports asap! I CAN NOT have this on my credit report until XXXX as stated below. I have NEVER made a late payment, as you can see by looking at my credit report. Please, please, somebody get this 30 day late off of my credit reports, please. Below see results for Transunions investigation ; INVESTIGATION RESULTS - DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED A change was made to the item ( s ) based on your dispute and other information has also changed. 
US BANK # : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Date Updated ; Payment Received. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : FLEXIBLE SPENDING CREDIT CARD Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$180.00} Credit Limit : {$11000.00} Pay Status : >Account 30 Days Past Due Date< Terms : Paid Monthly Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX >Maximum Delinquency of 30 days in XX/XX/XXXX and in XXXX Remarks : ACCOUNT CLOSED BY CONSUMER ; CLOSED Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CO)

XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I paid my co-pay and XXXX XXXX Paid the XXXX XXXX {$1100.00}. I resigned from my federal job in XX/XX/XXXX. In XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to Experian and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-20
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: BARCLAYS BANK DELAWARE (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/2019 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal complaint against Barclays Bank Delaware as they have refused to follow the law by sending validation of debt BEARING MY SIGNATURE. 
I am writing this letter to serve as a form of documented times that I have had to send written disputes request to this company, which this will be the third time. Per the law, when a company is not able to validate a debt bearing ones signature, as per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verification ; it is to be completely deleted off of all three credit reports, or it serves as harassment and a form defamation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (TX)

I did not receive a statement in XX/XX/XXXX or XX/XX/XXXX. I was reported delinquent to the credit rating agencies, but never received a notice that an amount was due. Once informed that an amount ( {$630.00} ) was due, it was paid in full.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one put a restriction on my account for normal card use. I can not dispute any charges or issues on the account without sending them a copy of my license and SS card, which I am extremely uncomfortable doing. I can verify every purchase, I'm calling from the number on the account, I've verified things by email and by regular mail and that is not sufficient.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This debt was settled by the party that I signed a contract with. Last year XX/XX/ I received a call as well as letter stating portfolio recovery brought my debt from a debt collector. I disputed this claim with written notice alerting portfolio recovery that this debt and agreement was cleared. Portfolio recovery removed the debt from my credit report however in XXXX XXXX they have placed it back onto my credit report. I have asked them a number of times to provide with me the proper documentation on this debt and they have yet to send me this information. They have ignored me for the pass two month and they update to my credit report every month which is hurting my credit without proper communication nor documentation.