davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC. (NV)

I have reached out to HealthCare Direct Financial on several occasions to get an audit done on my account since all of a sudden {$75.00} worth of fees were assessed. They have not provided that information although it's been requested three times. I also asked for them to review my last billing cycle statement for XXXX since there was no fees assessed. I did go ahead and threw the physical paper out if not I would of been able to provide the document. I did ask where these were coming from. According to them they were chargeback fees that happened in XXXX. I never called for no chargeback. That couldn't possibly make sense since the screenshot I have is showing next due for XX/XX/2024 & no fees and when I log in now it states " current '' next due XX/XX/2024. They are charging fees that they can not give me proper documentation on. On top of that if a payment were to decline on the 2nd day when its due & I still make it on the second day. They try to assess a " late fee ''. A late fee can not be assessed when it's being paid the due day. Neither can a NSF be charged if using a debit card, because I am not using a bank account. I only switched up until last month to my checking account.
Consumer complaint received 2023-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (MD)

I rented vehicle from XXXX around end of XXXX. By the time I reached the counter it was late and I had my toddler in my arms. I signed for the vehicle and did not realize that company had tagged on additional fees. Next XXXX  I called XXXX and explained that I didn't agree to the services. They said at this time we can't help me. I then called my credit card company ( XXXX ) and explained them what happened and filed a dispute. The original amount XXXX charged was {$670.00}. The disputed amount was {$150.00}. After few days I received letter from XXXX stating that dispute went in my favor and XXXX will credit me {$150.00}, which they did in early XXXX. XXXX months later on XX/XX/XXXX, with no prior communications, I received letter from Joseph Mann & Creed that my account was reported to collection agency. I was furious to find out that despite making payment of the entire amount of {$670.00} was reflected on the collection document. 

XXXX is refusing to listed to my concern and so is the XXXX collector agency. I response I am getting is " it is what it is '' and you owe the debt. I have near perfect credit and have never missed any payment. Further, credit card company can confirm that my account is current and all payments have been made to XXXX. 

These are the times when vendors are taking advantage of consumers and reporting to debt collector to collect double payments. This is wrong and immoral on so many levels.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I have requested gif inquiries to be removed. I did not apply gif any product or service with XXXX in the past. Equifax have also repeatedly told me that thirds inquiries were deleted several times I e a two month period since XXXX, Thry were not removed. I spoke with XXXX on XX/XX/2923 and they also spoke spoke with Equifax representative. 
The supervisor with XXXX XXXX explained that I did not have any accounts and that I didnt apply for any product or service with XXXX in the past.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 this company is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting 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.

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 2024-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (MD)

Several " collections '' companies, using different names and contact information, have repeatedly sent demand letters over the past 7 years to collect a XXXX XXXX debt from me that is not mine. Furthermore, I have never had an outstanding debt to XXXX or and of it's subsidiary companies. I have also never had a relationship with any of the collections companies listed below or any other unnamed companies attempting to collect this fraudulent debt. 

Collections companies perpetrating this fraudulent collections activity include : [ FBCS , Inc ] [ XXXX XXXX XXXX XXXX XXXX ] Information Listed in their fraudulent notice : Account number : XXXX Reference : XXXX Amount Owed : {$2300.00} Date of Notice : XX/XX/2024 Reply By Date to Dispute : XX/XX/2024 This is fraudulent and repeated XXXX tactic to scam people out of money for fear of having a collections account on their credit history.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Good morning, I wish to opt out of. Per the FCRA as a federal protected consumer I'm not opting out of any and all authorizations I the consumer may have given you written/unwritten, verbal and nonverbal per 15-USC 6802. 







This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

Firstly, I PAID MY STATE OF XXXX STATE INCOME TAXES ; AND MY FEDERAL TAXES. WELLS FARGO BANK SENT MY STATE PAYMENT ; TO the U.S. TREASURY TAX PAYMENT. SECONDLY, MY FEDERAL TAX LIABILITY WAS {$1000.00}. MY STATE OF XXXX TAX LIABILITY ORIGINALLY WAS {$1700.00}. XXXX HAS ADDED LATE FEES BRINGING THE CURRENT PAST DUE TO OVER {$2200.00}.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

On XX/XX/year> I noticed an XXXX charge of {$14.00} I did not make and requested a replacement card followed by making a claim. I also noticed checking back a few more transactions I did not make and on XXXX XXXX Chime sent an email saying there was no error and I would not be funded back. With the holidays happening I was unable to follow up on this. Then I noticed another charge on XXXX XXXX for another charge of {$10.00} from XXXX which I called the same day to report but was just told it was a pending amount and all they could do was replace my card ( that I had just had replaced from the previous transaction I made a claim on ) and wait until it posted in the account. I was now concern for this recurring transactions with XXXX when I do not have the email I have associated with Chime in my account with XXXX. I called to make a dispute and mention both transactions and was advised the claim would be investigated only to receive an email a few minutes later for the first amount mentioned to be denied once again. I called them back and they just advised me I would have to provide documentation like me showing proof I was at work the day of the transaction to show I in fact did not use an XXXX ride. I refused as I dont understand why I need to provide this information. Keep in mind I dont work because I am already retired and receive my social security check this account every month and also have my own vehicle. I asked them if there was a breach on my information on their behalf because I didnt even use the second card as my last transaction was 3 days prior to the second incident with the new card I had barely received and was advised they could not check if that was the case. It just all seems very fishy to me now and Im concerned by personal information was breached
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

i reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

This is a company seeking money from me we never agreed in no such contract there are sharing my personal information on different platforms without my consent. Told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the uniform commercial code you must be the holder and due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument I will gladly pay the ( x amount ) Also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows whos the recipient of said funds are and whos the issuer of said funds are. To my knowledge I am the issuer of said funds. If this company can not provide this information its identity theft and must be move off my credit report immediately and the cost of the violation XXXX dollars per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, all of these companies are recommended to provide documentation or immediately remove for my report
Consumer complaint received 2024-03-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: MortgagePros, LLC (AZ)

XX/XX/XXXX Signed VA Refi closing papers. 
XX/XX/XXXX found out from XXXX XXXX and mortgage company that Mortgage Pros mislead the property tax information on the Refi last year in order to get us to agree and sign the Refi. 
Due to the deceit we are now a year later finding out that Mortgage Pros put inaccurate property tax escrow information on the loan and now we have an Escrow shortage over {$2400.00} and our monthly mortgage increased {$500.00} more a month.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

I have filed a complaint with the FTC. As a regulatory agency, my issue has not been addressed by the CFPB because 1. I never received the initial right to dispute or validate this debt! and 2. I have tried to email ( happy to provide proof ) and I was told to " call '' but I do not trust them nor should I have to when I simply want proof. By continually reporting to my credit KNOWING I have not received this information, they continue to violate my rights under the FCRA! Unlike them, I am happy to provide proof if asked. When I ask for proof this was sent and received, I have been ignored but they still can report this to my credit??? NOT right. 
FTC Complaint attached.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

There are Inquiries as well as Accounts that have been opened by the aforementioned Creditor that I have not authorized or had any Business with. I Have reached out to the Creditor they have stated that they have submitted a request to have the accounts and inquires removed due to the findings of their Investigation. The accounts are still listed on my credit reports.
Consumer complaint received 2023-03-11
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. (VA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-09-22
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: General Motors Financial Company, Inc. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. GM FINANCIAL XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Name Account Number XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the 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 ) 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 USC 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 2023-09-22
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. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2023-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received a rewards american expressed virtual pre-paid card on XX/XX/2023. It was for {$25.00}. In the cardmember info it says " Use at U.S. merchants that accept American Express Cards. '' I attempted to use at XXXX and it was declined. I also attempted to use it at asos.com and it was also declined. I called the customer service number listed on the card ( XXXX ) and asked why my transactions were being rejected even though I was spending less than the {$25.00} amount on the card. The representative stated that the amex card is unable to be used at XXXX due to security measures and did not offer any more explanation. I then asked for examples of retailers that would accept the card and he stated that he was unable to answer that question.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (LA)

I have written to the companies listed on this complaint, I have written to XXXX, XXXX, XXXX and levied complaints about these unknown transaction. I have sent certified letters that, That have been signed and verified with a notary public stamp and signature.
Consumer complaint received 2024-03-29
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. (IL)

Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to surpass their due date. However, I'm perplexed by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, such discrepancies should be rectified.
Consumer complaint received 2023-08-24
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)

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX XXXX XXXXXXXX XXXX, XXXX. account number # XXXX. 

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

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.