davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

CREDENCE RM XXXXXXXX Current Last Updated : XXXX XXXXXXXX XXXX Account Status Open Account Type Collection Account Payment Status Collection/Chargeoff Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I did not give permission for XXXX to report this debt to my credit report I did not agree to my personal information to be solicited It is illegal to charge or write off a debt as a loss for and seek payment from a tax write off and continue to report collection late payments or any negative debt This is not my debt
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (MO)

AroundXX/XX/ I received a bill from XXXX. The amount showed {$940.00} was owed to XXXX XXXX XXXX XXXX in XXXX MO. I worked out a settlement with them and paid XXXX on XX/XX/XXXX in the amount of {$750.00}. This was the amount we settled for. Around XXXX XXXX I then received a bill from ARstrat for {$940.00} from XXXX XXXX XXXX XXXX in XXXX MO. I called XXXX to confirm this debt was paid in full and taken care of, which they said it was. I called them at XXXX. I then called ARstrat to tell them they are double billing me and do not appreciate XXXX selling by debt to multiple debt collectors. ARstart told me tot fax them over proof the bill was paid. I wrote them a Letter on XX/XX/XXXX letting ARstrat know this debt was already paid, I attached my receipts, etc. I did this communication through fax at XXXX. Then today XX/XX/XXXX I receive a letter from ARstrat telling me {$180.00} is owed. That would mean my original balance of {$940.00} was NOT actually settled for {$750.00}. It is my knowledge that you can not tell a consumer that they can settle for a less amount and then come back with another collection agency to receive the written off amount. I then contact ARstrat today XX/XX/XXXX through the phone at XXXX. The man told me the notes on my account do say this was settled and he is having his supervisor look over this. I do not believe he will give this to the supervisor nor do I believe the supervisor would take the steps to look into this dispute and correct it. Considering the last person I talked to said all I needed to do was send them proof it was paid. It is impossible to get XXXX to contact ARstart to let them know I paid this for a settled amount and no further debt is owed. Its scary and upsetting to know my medical bills ( not cheap ) are getting sent out to multiple collection agencies. Its nearly impossible for you to get a pay off letter from these companies, and communication is horrible. Im now wondering how many times this has happened to me in the past. If you also look and notice the account number is the same on both collection bills. XXXX is on both XXXX and ARstrat. I have attached all documents in order. I would like to add I have tried contacting XXXX billing department for MONTHS, and have not once been able to get ahold of them since XX/XX/
Consumer complaint received 2023-05-18
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. (VA)

I ordered my credit reports back in XXXX of 2023, and found inaccurate items on my report. So i submitted dispute letters to all three credit bureaus on XX/XX/2023. Advising of the inaccurate information. I have not received any investigation results and it is beyond the 30 days.
Consumer complaint received 2023-07-10
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. (DC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MO)

I tried to remove unfamiliar negative accounts # XXXX, XXXX, XXXX, XXXX numerous times and they keep appearing on my report. 15 usc 1681e ( b ). Has to be complete accuracy on my report and I am unaware of any of the following accounts.
Consumer complaint received 2023-05-18
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XXXX of last year my Bank of America savings account was compromised by fraud. This was a retirement savings account and I had very little activity on my part. An occasional withdrawal for taxes or something. I was notified that they were going to start charging me because of excessive activity that month. I looked at my account and saw that several XXXX transfers were made, cash withdrawals and online bank transfers were made. None of theses were mine. I have spent hours and hours on the phone with BoA. I contacted the Washington State Attorney General and they were involved. After 9 months I finally received what BoA considered to be the last of the monies paid back to me. My problem is {$2500.00} is still owed me. In the accounting they did two charge backs on the account. They should have only done one and I am short {$2500.00}. Ive spoken to several people on the fraud phone line and went over it with them. I was told they would report it to their supervisor and the {$2500.00} check would be sent to me in 10 days. I keep waiting and nothing. 
According to my account statement its clear what my beginning balance was. 
With the four checks I have received totaling {$22000.00} I am still missing {$2500.00}. That is the charge back money that they still owe me. They consider the case closed because the stolen money was paid back. The other {$2500.00} is an accounting error on their part and they refuse to address it.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Chase Account # XXXX Hello, my chase checking account was closed XX/XX/XXXX. Early XXXX, I found out I was a victim of identity theft in which my information was used to file for unemployment. Two of the direct deposits ended up going to the closed chase account. One of the payments was returned back to unemployment, the second payment was applied to a charge off on my account. I spoke with the Chase XXXX XXXX, to inquire on what exactly what the charge off was on my account. Since the charge off was more than 3 years, they do not maintain that information. The fraudulent money has yet to be returned to unemployment and my wages was being garnished by the state of IL due to the overpayment. Chase stated they are unable to give the money back to me or unemployment. Please assist. Thanks.
Consumer complaint received 2023-05-18
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite having submitted disputes for the accounts listed below to XXXX, Equifax, and XXXX, I have not received any response from these credit bureaus concerning these accounts. This lack of response is a clear and willful violation of the laws governing financial credit reporting acts. 

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 To bring to your attention a matter of utmost importance regarding the negligence displayed by credit bureaus in removing unauthorized derogatory accounts from my credit reports. 

The absence of a response has hindered my ability to contest the accuracy of the information and investigate potential cases of identity theft. As a result, I have been prevented from mitigating the harm caused, which in turn has affected my capacity to engage in contractual agreements and conduct business.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-18
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: AMERICAN EXPRESS COMPANY (NY)

Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding a recent issue I encountered with American Express regarding their failure to provide me with the promised welcome offer for my credit card. Additionally, I have concerns about the fraudulent promotion advertisement they used during the application process. 

I applied for an American Express credit card on XXXX XXXX with the understanding that I would be eligible to receive a welcome bonus of XXXX Membership Rewards ( MR ) points upon meeting the specified criteria. However, after six months of fulfilling all the requirements, American Express informed me that I was not eligible for the welcome bonus. According to their explanation, I should have received a pop-up message during the application process notifying me of my ineligibility, but I never received any such message. I can confidently confirm that I would have declined to proceed with the application had I been aware of this information. 

The misleading and fraudulent promotion advertisement employed by American Express is deeply disappointing. As a responsible consumer, I carefully reviewed the terms and conditions of the offer before applying, and I fulfilled all the necessary requirements within the designated timeframe. It is disheartening to be denied the promised welcome bonus of XXXX MR points after investing time and effort into meeting the obligations. 

In light of this situation, I kindly request your intervention and assistance in addressing this matter with American Express. I believe that American Express should honor their promotional promises and rectify this issue by providing me with the welcome bonus of XXXX MR points that I am entitled to. 

I urge the Consumer Financial Protection Bureau to take appropriate action to ensure that American Express addresses this deceptive marketing practice and resolves the issue to the satisfaction of affected customers. 

Thank you for your attention to this matter. I look forward to your prompt assistance and a fair resolution. Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ your contact number ] or [ your email address ]. 

Sincerely, XXXX.
Consumer complaint received 2023-05-18
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-04-14
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be repaired ASAP. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-14
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (PA)

Under the provisions of the Fair Credit Reporting Act, I assert that the list of accounts mentioned below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681. 

1. Account name : Bankruptcy # XXXX XXXX. Account name : XXXX XXXX # XXXX 3. Equifax Mortgage Services In line with the Engelhardt v. Gravens ( Mo ) 281 SW 715,719 case and the doctrine of estoppel by silence, it can be reasonably deduced that the lack of evidence presented by me suggests the absence of the alleged debt. 

According to the US Bankruptcy Court, it has been established that they do not report or furnish information to credit bureaus or agencies. 

I kindly request Equifax to remove the XXXX XXXX account from my credit report due to its inaccuracy. Despite multiple attempts on my part to have this account removed, it has been consistently denied, even though other agencies have acknowledged its invalidity or inaccuracy. It is crucial that Equifax takes immediate action to rectify this discrepancy. 

Thank you
Consumer complaint received 2023-04-14
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (CT)

I REQUESTED FORM BARCLAYS TO FREEZ MY ACCOUNT ( CREDIT CARD # XXXX ) SINCE THERE IS MONTHLY CHARGES BY SERVICE COMPANY KEEP BEING POSTED FOR NO REASON FOR THE AMOUNT OF XXXX XXXX BARCLAYS CONFIRMED THAT THE CREDIT CARD FREEZED AND NO ONE CAN WITHDRAW ANY MONEY. AS WELL AS IT START THE INVESTIGATION TO DISPUTE THE TRANSACTION IN XXXX. I WAS SURPRISED THAT ON XX/XX/XXXX SAME SERVICE COMPANY POSTED SAME CHARGES. SO WHAT IS THE POINT OF FREEZING THE ACCOUNT IF ANYONE CAN WITHDRAW THE ANOUNT HE WANTS. I BELIEVE THAT 1- BARCLAYS PROVIDED ME WITH INACCURATE INFORMATION ABOUT FREEZING THE ACCOUNT 2- BARCLAYS FAILED TO PROTECT MY ACCOUNT, 3XXXX I HOLD IT ACCOUNTABLE FOR TRANSACTION OF XXXX $ ON XX/XX/XXXX. I BELIEVE THAT I SHOULD GET PERMANENT CREDIT OD XXXX $ FOR XXXX CHARGE I AM VERY FRUSTRATED WITH BARCLAYS AND I HAD T OCLOSE
Consumer complaint received 2023-04-14
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. (NC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX  XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies.