davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT WORLD SERVICES, INC. (MO)

I am writing to file a formal complaint against CREDIT WORLD SERVICES, INC for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties ( CHARGE OFF ) is now considered a CERTIFICATES OF IDEBTENESS, constituting INCOME that CAN NOT be reported as outlined in the Internal Revenue Code. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME CA NOT BE REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against CREDIT WORLD SERVICES , INC. Additionally, I urge you to ensure that my credit profiles are corrected expeditiously by completely removing this information in compliance with the FCRA and IRS regulations.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (CA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I applied for a Delta SkyMiles Gold American Express Card in XX/XX/XXXX with an introductory bonus offer of XXXX  miles after spending more than {$2000.00} within a six month period. The card was approved, the more than {$2000.00} within six months was spent, and I kept the card open. Fast-forward to now, XX/XX/XXXX, I have not been given these miles and was never informed that I would not be receiving these miles. I contacted American Express support and was informed that based on my " credit history, welcome bonuses, or the number of cards opened and closed, that I was not eligible ''. I was never informed that this bonus offer was denied, and the advertising was misleading/predatory. Further, I was charged the annual fee of {$99.00} in XX/XX/XXXX. I told them to downgrade the card to one without the annual fee, but they also informed me that they would only be refunding me a prorated amount of the annual fee, despite not making any purchases on this card since the annual fee was instated. I know for a fact that they have no records of me being informed of being denied this bonus offer of XXXX miles, because I was never informed. Furthermore, I kept the card open for the past year, spent thousands of dollars, paid off all balances, and was screwed over by American Express 's predatory/illegal advertising practices.
Consumer complaint received 2023-04-29
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. (IL)

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 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 The Following Inquires are a violation of my consumer rights : 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 The following addresses are also in violation of my consumer rights : XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1979 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number XXXX XXXXXXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc (MO)

On XX/XX/2024 Checkr and XXXX initiated a background check for employment and contract opportunities, upon this report being ran it was done so in a very untimely unprofessional and unlawful manner, Checkr the background check company took a total of 2 months just to inform me that the report had been cancelled, Checkr and XXXX also fabricated stories about it being delays on criminal information, Ive never been charged or convicted of any crimes but was repeatedly told by XXXX and Checkr that they were waiting on criminal information to come back, the key factor is that I applied for XXXX around the same time I applied for XXXX, when XXXX ran my background check it only took 3 days versus XXXX taking two months, all the information on my XXXX  background check was correct and I was able to go online and drive on the platform, my question to Checkr is how did I get two different background reports from the same company why wasnt XXXX informed about me having a clean background and Motor Vehicle Report FCRA And Privacy Violations Checkr background report was never sent to me the beneficiary and or implied surety Checkr background report took longer than 30days it was cancelled and never completed Checkr background report was never provided back to XXXX the company I applied for Checkr provided two different background reports the XXXX report was revised and completed the other report that was ran for XXXX was cancelled for undisclosed reasons Checkr background report gave a false representation of my creditworthiness
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The XXXX XXXX XXXX XXXX item is in violation of the PA statute of limitations which is 4 years. The account has been closed for over 7 years, yet they continue to post on my report and I have tried several times to dispute it with TransUnion and XXXX, with no success.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXXXX/XX/2022.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I was signed up for Auto Debit for XXXX. In XX/XX/XXXX I asked for change is student loan auto date to be the end of the month. No one can answer where the request is. 

XXXX the auto debit was suppose to take out my loan. It still has not but shows past due amount for this month and now shows auto debit XX/XX/XXXX. I have been trying to call ( on hold multiple hours and being transferred until people hang up ). They are saying online it is now delinquent but I have plenty of money in my account! 

No one answers, transfers often until the hang up or close. How can I pay or deal with account if they wont speak to me?
Consumer complaint received 2024-07-30
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. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

I was contacted via a phone call from XXXX. They left an electronic voicemail stating, " Hello, we are calling from Medicredit on behalf of XXXX XXXX This is a call from a debt collector. Please return our call at XXXX Monday through Friday during normal business hours. Again, we are calling from Medicredit on behalft of XXXX XXXX. This ia a call from a debt collector. Please return our call at XXXX Monday through Friday during normal business hours. Thank you. '' There is no hospital called XXXX XXXX  that I have had any treatment from, and there is no XXXX  in my area for XXXX miles called XXXX XXXX This is a scam.
Consumer complaint received 2023-04-29
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: EdFinancial Services (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX You are in Direct Violation of The Fair Credit Reporting EDFINANCIAL SERVICES L has violated several of my rights! 

15 U.S.C 1681 section 602 A. Clearly states that I have right to my privacy.

15 U.S.C 1681 section 608 A. Section 2, it also states a consumer reporting agency can not furnish an 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 purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (AZ)

Equifax Following hard inquiries is shwoing on my equifax report. I have contacted the Equifax to let them know that I never approved of this inquiries and should be immediately removed. But there is no feedback or action from Equifax. As a result, i have to knock on CFPB door for swift action and justice. Will appreciate if EQUIFAX is been instructed to remove this unsolicited inquiries asap. The names of the merchants and dates of inquires are provided below. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (NJ)

After a short visit the XXXX back in XX/XX/2021 XXXXXXXX XXXX  sent me a bill for over XXXX XXXXXXXX XXXX  I did apply for charity care program and was approved a 75 % discount doe to my low income> I did make payments directly to the XXXX for the balance of the visit. A few months later I started to receive many collection letters from different companies and even doctors witch had never treaded me at the XXXX where I was only seen by one practitioner nurse. I have tried several times to ask for validation letters and communicate with these companies but they ignored and proceeded to affect my credit turning my medical debt into a personal one and putting a collections negative notes on my credit report form all three mayor credit companies. 
The following company I have disputed charges on XXXX and XXXX. 
AmeriFinantial Solutions XXXX XXXX XXXX XXXX, MD XXXX The following company in now trying to obtain the same money from the previous one ( see attached bill labeled company c ) XXXX XXXX  ( formerly known as XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, MD XXXX Also a doctors office that was payed through a collections company but continues to send harassing letters every month. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (AL)

Was contacted via email by TrueAccord Corp, a debt collector for {$60.00}. This was regarding an alleged debt from XXXX XXXX from after XX/XX/XXXX. I closed the account in XXXX of XXXX with a XXXX dollar balance. Requested debt validation and documentation via mail on XX/XX/XXXX. No validation or documentation has been provided as of XX/XX/XXXX.
Consumer complaint received 2024-02-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (KY)

In XXXX of XXXX, my daughter and I applied for a VA Loan to purchase the house we are now in with NFCU, we recently applied to convert to a VA loan, same type of interference. 
Both of us are totally XXXX XXXX veterans, our credit and income were excellent. 
My daughter was told that before we could apply, one of us would need to sell our house before we could do that. 
In order to get the house locked down, she had to take a cash quick buy which cost her around {$55000.00} from what it sold for just a couple weeks later. 
Then after that was done and irreversible, they told her we werent qualified for a VA loan since we were father and daughter and not husband and wife. 
That forced us into a conventional loan and financial hardship on my daughter and stress on both of us. 
Now they seem to be looking for any excuse they can use to call a denial of our complaint and loses as a resolution. 
They keep requesting to rerun credit which they know will damage the rating. 
NFCU employees have persistently refused to fix the problem, and appear to violate many of our rights as XXXX veterans. 
Our pain and suffering are real to us, although those who deny us our EARNED BENEFITS, dont seem to care. 
All NFCU has done since my daughter filed her first complaint, they have shown a pattern of manipulation, which appears to be harassment toward my daughter whos been a member for XXXX years. 
They have made no effort to reach a resolution, however, theyve made every effort to deny our VA Loan, no appraisal even at this point.

Also, Im wondering why the resolution department at NFCU is involved in the loan process, gives me the appearance of XXXX syndrome. 
They have denied two XXXX  totally XXXX veterans, whose family gave up their peace and health so those who hurt us could live free and safe, their rightful benefits. 
We are tired of being stepped on and abused by those in NFCU who dont seem to follow proper policy or laws in assisting us, they need to be stepped on hard so this is never a problem in the future, and makes me wonder how many have been denied falsely by these people who think they are so intelligent they dont need to understand and follow policy.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV INC. (LA)

All I know it appeared on my credit report as a collection. I was breached in Louisiana. The Breach was XXXX, XXXX and Louisiana XXXX. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to TeleCheck for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX Bank in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. XXXX companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.
Consumer complaint received 2024-05-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TN)

Hello, I received XXXX American Express XXXX  from a company. XXXX for {$25.00} and another for {$100.00}. I successfully activated both cards, but after multiple attempts across various retailers I was never able to access any of the funds. Big companies including XXXX and XXXX declined payment. I contacted American Express customer service and they were not able to re-issue the e-giftcards or offer any solution on how to actually use or access my money. 

These virtual cards are declined online and via XXXX XXXX XXXX XXXX no one will take these cards. 

I call AMEX customer service again today and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. They have suggested I " keep trying, perhaps at XXXX or XXXX ''. I asked if they would issue a physical card with my information attached ( since that is why they claim merchants are declining the cards ) and they said no. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. Today, customer service specifically told me that if I can not successfully use the e-giftcards before they expire ( one does in XX/XX/year> and the other in XX/XX/year> ) then I will lose the total amount and there is nothing that can be done. They have falsely advertised that their gift cards can be used anywhere that accepts American Express cards. On my e-giftcard it is the very first line! " Use at XXXX merchants that accept American Express XXXX '' This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for months after multiple attempts. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

I am happy to submit the relevant card information and balance if needed. Thank you for your help.