davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.
Consumer complaint received 2024-03-13
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2024-03-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-30
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. (NV)

FILED A COMPLAINT ADJOINING CFPB, XXXX, XXXX & EXPERIAN TOGETHER -- WAS TOLD COULD NOT DO THAT SO THIS VERSION 1 @ A TIME STARTS WITH EXPERIAN TGHE ATTACHED RTEPORT PROVIDED TO MR. XXXX BY A NEW PRIMARY DOCTOR AN EXPERT IN MANY WAYS DETERMINE IN HIS REVIEW OF MEDICAL RECORDS ( THE ONE ' ATTACHED THAT XXXX XXXX : 1. DID NOT HAVE XXXX THEREFORE XXXX XXXX XXXX XXXX BY NUMEROUS MEDICAL ENTITIES WERE NOT NECESSARY & MUST BE DELETED. 
2. THAT AS A XXXX EXPERT DETERMINED THAT MR. XXXX XXXX  IS GREAT & THEREFORE DID NOT NEED A XXXX  THAT DOCTOR WOULD VISITED XXXX XXXX WITHOUT XXXX XXXX CONSENT FOR 3 STRAIGHT DAYS -KEPT PUSHING ON XXXX XXXX TO HAVE XXXX XXXX XXXX XXXX XXXX XXXX THUS ALL BILLING APPEARING ON EXPERIAN CREDIT REPORT NOW OR IN THE FUTURE ASSOCIATED WITH EITHER NEED TO BE DELETED. 
MR. XXXX HAS NOT SOUGHT DAMAGES TO THE MALPRACTICE OF THESE DOCTORS BUT WILL IF CREDIT ABUSE CONTINUES EXPERIAN CONTINUES TO REPORT FALSE NARRATIVES TO HIS CREDIT FROM CLAIMS BY XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX WITHOUT EXPLANATION. 
RECENTLY ALL OF THE ABOVE WERE CONTESTED BUT THE FORM PROVIDED BY EXPERIAN SEEM TO FAIL- THIS WAS REPORTED TO CFPB & SHOULD CONTINUE AS A 2ND COMPLAINT. 
CLAIMS THAT ITEMS LIKE XXXX XXXX WAS SENT TO THE FTC HAS BEEN DENIED AS FTC STATES THEY HAVE NO ACCESS TO CRPB REPORTS. FTC HAS HOWVER ACCEPTED A COMPLAINT AGAINST XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P. (NJ)

Filed in court using incorrect address XX/XX/XXXX ( complaint ) XX/XX/XXXX ( request for default ) XX/XX/XXXX ( application for wage execution )
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Dave Operating, LLC (IL)

On or about XX/XX/2022 a fraudulent charge of {$53.00} was entered on my XXXX XXXX account as well as on XX/XX/2022 a fraudulent charge of {$26.00} was entered. I have never heard of this company nor have I ever did commerce with this company. After researching said unknown corporation it indicates that XXXX XXXX Area is Remote. 24 days ago. Dave is a banking app on a mission to build products that level the financial playing field. To date, we've helped more than XXXX XXXX customers bank, budget, avoid overdraft fees, find work, and build creditand we're just getting started. 

This is Identity Theft
Consumer complaint received 2020-03-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do a large amount of purchases with my Bank of America credit card : XXXX ( in the name : XXXX XXXX ) for work and personal needs. Unfortunately, a small percent of those purchase i.e. online order or services turn-out to misrepresented by a merchant, " not delivered '' or outright fraud. 

As is typical of Bank of America credit card disputes department is they sit on the dispute and do not begin an investigation. I'm not talking about being weeks or months behind in their legal requirements to investigate and process a dispute, they do nothing and months later I find : 1. ) No credit has been returned to my credit card 2. ) No communication is sent to the cardholder after this initial " We have received your dispute and will update you ... '' 3. ) No credit to my account has been processed ( as is common practice with all major credit card companies under a disputed status ).

4. ) I " sat on hold for 20-43 minutes each time during the first calls '' to initiate the dispute 5. ) I already discussed the precise details of the issue and rationale of the dispute for the 3 disputes. I completely answered all questions of the dispute dept representative. 

In the last 2 months I opened disputes with : 1. ) Merchant : XXXX XXXX XXXX transaction date : XX/XX/XXXX amount disputed : {$170.00} 2. ) Merchant : XXXX XXXX XXXX transaction date : XX/XX/XXXX amount disputed : {$170.00} 3. ) XXXX  transaction date : XX/XX/XXXX amount disputed : {$75.00} I followed up with Bank of America XXXXs dispute department 2 times after this including today : 1. ) Again, I had to call back many weeks later to sit on hold for 20 minutes and sometimes up to 1 hour in order to talk to a customer service rep.

2. ) I was told they " still can't process a credit to my account for the amounts in dispute because they haven't started their investigation yet. '' They say that they have, but nothing has been done or started and the matter is still " stuck '' without any movement or processing a credit to my credit card account.

3. ) The merchant has NOT even been 
notified of the dispute as they keep billing me each month for the same thing.

I find the above completely unacceptable and perhaps illegal to fail to process a credit card dispute under the credit card and consumer protection laws.

In XX/XX/XXXX I had a dispute that was never investigated by Bank of America and a credit was never processed nor was there any further communication by Bank of America.

I fully expect the same excuses from the management of the Disputes Dept. When I call I hear all the same excuses, false reassurances that " someone is working on it '' like in XX/XX/XXXX only to find an entire year has passed without any further communication from Bank of America nor a credit to my account for the dispute.
Consumer complaint received 2023-07-13
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (MO)

It all began when my debit card with PayPal declined for {$6.00} when I knew I should of have around {$700.00} in my account. About the same hour I'm getting notifications on XX/XX/XXXX that an address was added to my PayPal, a debit card I didn't recognize, and then a email address. Then they were all removed which I took screenshots bc I thought it was unbelievable bc I keep two factor authentication turned on all of my accounts so PayPal couldn't deny what was happening to my account and money. Here is a list of what fraud went on. The date, merchant, and amount ; {$34.00} rockwallet ( XXXX transactions ), XXXXXXXX XXXX XXXX ( XXXX ) merchant not stated, XXXX apleclothing.com, XXXX transfer out to unknown person name XXXX, error of XXXX transferred to unknown card. Currently they have credited my account back for the reported transactions however I can not touch my money for 180 days and it states permanently I can not ever have PayPal services again. I called and asked why I'm being punished by reporting fraud. They couldn't give me an answer and sent me a link to their terms and conditions. I submitted all of the proof I had showing someone got access to my account. It didn't matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  we are struggling to eat, he didn't get a gift or nothing from me. That's where all my deposits go to and I have no access to any other account or money.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am the author of this complaint. I checked my credit report and saw that XXXX XXXX was reporting incomplete and incorrect info on my credit report. I disputed that accuracy and completeness of the account with the CRAs and after the reinvestigation results, the account was still reporting inaccurately and in a way that violates the FAIR CREDIT REPORTING ACT. 15 USC 1681s-2b states that if the error is not corrected after disputing with the CRAs then the creditor has to DELETE the tradeline from my consumer report
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX  XXXX  ACCOUNT XXXX ACCOUNT WAS OPEN XX/XX/XXXX AND CLOSE XX/XX/XXXX COMPANY FAIL TO PROVIDE STATEMENTS COPIES FROM THE ABOVE DATES. 

I HAVE MADE MULTIPLE REQUEST FOR STATEMENTS FOR ACCURACY OF ACCOUNT. 

COMPANY FAIL TO PROVIDE ACCOUNT INFORMATION AND PAYMENT HISTORY FOR PAYMENT HISTORY
Consumer complaint received 2023-08-29
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)

My name is XXXX XXXX XXXX, and I am submitting this complaint without any influence from any third party party or agency. Please see attached documentation and identification as it contains my complaint and requests.
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-03-13
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. (CA)

I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct the Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts listed below are needs attention in my credit reports. 
XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2023-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MT)

On XX/XX/23 I was notified my loans qualified for PSLF with over 120 payments. It is now XX/XX/23 and my account has not been fully forgiven. I have served the public as a XXXX  worker during a pandemic risking my health and my families health and to be treated like this is insulting. MOHELA is not honoring the PSLF laws and processing they are advertising.
Consumer complaint received 2023-10-06
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. (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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( XXXX  ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please have the following items remove from my report they do not belong to me. 
Company : XXXX  Account:XXXX  Company : XXXX   Account:XXXX  Company : XXXX XXXX XXXX Account:XXXX   Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX  Account:XXXX  Amount : XXXX
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (MO)

I closed my XXXX  XXXX  account 1 month ago, I get my monthly credit score report and its reporting I owe XXXX and some change. At first I thought it was error but then they told me its from XXXX and Im like okay. Well its no way of paying that balance. They only tell me since the account is close I keep open the account but Im not trying to open it Im just trying to pay the balance and they wont let me. And today they cursed me and told me to XXXX XXXX XXXX and go to XXXX. I have screenshots of the conversation.
Consumer complaint received 2023-06-27
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-08-11
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. (GA)

With Experian I have issued a letter of receipt for XXXX acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by Experian I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and Experian ignores them and allow the creditors to lie. XXXX confirmation # XXXX & XXXX # XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I have been trying to work this issue out with the original billing office ( XXXX XXXX XXXX XXXX XXXX ) The XXXX refused to put the billing on hold while our insurance company ( XXXX ) was negotiating with them. 
The insurance company has informed me, that I do not owe any money to this doctor. 
An amount was negotiated with XXXX by my health insurance. 
The amount they are still asking for is not owed.

The insurance company has informed me that XXXX XXXX XXXX is asking for an amount that is not valid. 
They say that this is a dishonest practice called " Balance Billing '' where a medical practitioner tries to bill an amount they are not entitled to. 
XXXX of the CMRE collection agency, informed me that XXXX XXXX is not accepting the offered amount of the insurance company. 

XXXX XXXX
Consumer complaint received 2023-10-06
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.