davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (VA)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have seen XXXX XXXX XXXX has been sued for these types of things in the past I WOULD LIKE THIS ACCOUNT DELETED IMMEDIATELY OR BROUGHT BACK TO A CURRENT STATUS I HAVE MISSED NO PAYMENTS ON MY ACCOUNT According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies Attached to the complaint None of my credit reports match up and this has had a negative impact on my life Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

Experian reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show NR, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XXXX XXXX. The reporting should show 3 months of late payments, and then a charge off XXXX XXXX, then it was closed, it should show XXXX, until XXXX XXXX when it should show pays as agreed, then should show XXXX for XXXX XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XXXX of XXXX. Please correct this reporting.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Hello! 

This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts. 

I have strong reason to believe that they are inaccurately reporting. 

May you please encourage this company to conduct a proper investigation with the original creditor? 

Did they investigate? 

Thank you!
Consumer complaint received 2023-07-10
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. (WI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Accelerated Receivables Management, Inc. (OK)

Accelerated Receivables Management Inc. from XXXX Florida licensed in Texas Registration No. XXXX. Texas XXXX XXXX. XXXX trying to collect from XXXX XXXX XXXX XXXX That filed Chapter XXXX Bankruptcy in XXXX and the company was purchased by XXXX XXXX XXXX XXXX XXXX XXXX and the Department of Justice filed a lawsuit for fraud for overcharging and kickbacks to physicians. First the letter was sent to me by the collection agency then when I disputed the bill I received a letter with an attorney letterhead collecting the same debt same address but saying the Insurance Company sent me the money and did not send it to XXXX XXXX XXXX, first I have the office visit from XXXX/XXXX/XXXX and there were XXXX tests ordered not XXXX and why would not just say they were licensed in XXXX why did they get licensed in XXXX XXXX XXXX filed a Cease and Desist order for Accelerated Receivables Management Inc., not to be collecting from clients that they had no clue that they even owed the alleged debts and sending letters to patients. I have all the documents but they have not provided me a signature that shows I signed to have XXXX lab tests drawn and they were supposed too send my labs to XXXX XXXX not XXXX XXXX XXXX. Make it clear they filed Chapter XXXX Bankruptcy Not me. Thanks XXXX XXXX
Consumer complaint received 2023-08-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

They received my certified mail letter On XX/XX/2023 I sent a certified mail # XXXX requesting for a notice for accounting to TOYOTA MOTOR CREDIT CORP., I requested an original authenticated request for accounting that includes all original contracts, withheld financial documents, refunded downpayment ( {$5000.00} ), tax forms, any and all types of financial forms of payment that's entitled to the consumer and or beneficiary. To which they denied communications and resulting in the company to forward to a process of default. I am now sending a letter following that onXXXX in detail of a notice of default & opportunity to cure. To which if the company continues to disregard the letters being sent, or fails to correct the financial matter effectively there will be no choice left to pursue all available remedies including litigation or arbitration.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for two of my Chase Bank accounts for XX/XX/. 15 US 1681 Section 602 states I have the right to privacy. ( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions. 15 USC 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.
Consumer complaint received 2024-06-07
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. (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 : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

Dear Sir/Madam, I am writing to bring to your attention certain outdated personal information that is currently present on my consumer report with your agency. I kindly request that you take immediate action to remove this outdated information from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have recently reviewed my consumer report and noticed that some of the personal information listed is no longer accurate or up to date. The outdated information includes : I understand the importance of maintaining accurate and current information on consumer reports, as it directly affects my ability to secure credit, loans, and other financial services. As a responsible consumer, I believe it is essential that the information provided by credit reporting agencies accurately reflects my current circumstances.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PLANET HOME LENDING, LLC (FL)

My house got foreclosed because the VA took me out of the retirement payment system. I got behind on my mortgage and couldn't catch back up. Now the foreclosure is on my credit report preventing me from finding a place to live as a retired military veteran.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

{$14000.00} was taken from our savings account. We did not withdraw it but wellsfargo said because someone accessed our account on line they can't do anything about it so they closed our case And we are just out our complete savings account.
Consumer complaint received 2023-05-05
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. (NC)

In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are fraudulent XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX THE XXXX  XXXX Account number XXXX DEPT OF EDUCATIONXXXX Account Has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (GA)

A 1099-c form was accepted by the IRS on XX/XX/2022. This debt has been discharged by Nelnet , Inc. and is evident in the attached in the accepted Copy B and Copy C in this complaint. However, Nelnet , Inc. is still reporting to my account and to my credit reports that I owe this debt and this account hasnt been closed.
Consumer complaint received 2023-08-19
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: CITIBANK, N.A. (MO)

There were 9 purchases on my Citi bank credit card made in various XXXX stores in Texas which I did not make. All for the amount of {$300.00} each. XXXX and XX/XX/23. My claim was rejected with Citi bank claiming my credit card was present at the time of purchase. My position is that I was at home in Missouri during this period along with my credit card. 
I had obtained a police report which Citi bank had requested. They asked for proof I was in Missouri and at their suggestion I supplied another credit card statement showing purchases made in Missouri during the same time period.
Consumer complaint received 2016-12-02
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Midway Resolution Services LLC (PA)

I got calls for several years about a supposed payday loan from XXXX or XXXX from various collection companies. I would ask for proof of this unpaid loan in writing. They would not send anything by mail. Some said they had emailed proof others said they did mail proof. I never received anything. This has been calls over the years from various companies who all seemed to have a little info on me. I noticed that Midwest XXXX put a payday loan as in collections on my credit report. I do not believe this is a valid debt. I have lived at the same address for 37 years and have had the same email Address for over 15 years
Consumer complaint received 2023-08-19
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: ERC (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ERC  ACCOUT # XXXX HAS VIOLATED MY RIGHTS. 
15 usc 1681 section 602 a states i have the right to rpivacy.

15usc 1681 section 602 a states i have the right to privacy.

15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 1 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FRURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUTION.
Consumer complaint received 2017-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

I am receiving letters concerning a debt that I have asked for validation of the debt. All I get is we have verified the debt and I owe. I have sent several certified letters to the company requesting validation and I get nothing but my name and address and a statement saying its been verified without any such proof. After my final certified letter requesting validation they sent me a letter saying they are going to report this information to the credit bureaus. Yet I have not received one shred of validation that I have been requesting from them since XX/XX/2016.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I was charged an erroneous amount of {$38000.00} by American Express which i disputed. Amex filed a complaint in Superior Court, XXXX XXXX, New Jersey.I won the case, and the Judge issued a Civil Action Order of Dismissal on XXXX XXXX, 2014. I sent the dismissal order to the XXXX credit agencies immediately. To date, my credit report shows the {$38000.00}. items as a past due item that was charged off. I sent XXXX more copies of the dismissal order but the credit agencies continue to ignore the order. I have suffered financially because I have been turned down for loans because of this item, and some of my credit cards have been cancelled, and the interest rates were increased.
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (FL)

The payment received exceeds the total lease amount ( XXXX XXXX XXXX ) as well as the total price of the vehicle. 

Please mail title and excess payment in a check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (FL)

I reviewed my consumer reports and noticed that i had a debt added to my credit that doesnt belong to me in fact this debt has violated the CFPB LAWS 15 U.S CODE SECTION 1681 A ( 3 ) restrictions on sharing medical debt. 15 u.S CODE 1692 e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. These companies reporting his false debt are also discriminating against me and our hurting my chances to move foward in purchasing a property for me and my children. By law any debt that is not 100 % accurate should be removed and i have requested that on several diffrent occasions!
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (FL)

On XX/XX/XXXX I started using SENDWAVE APP to send money to myself in my own checking account in XXXX. I did a total of XXXX transactions : DEBIT XX/XX/XXXX Sendwave XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sendwave XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sendwave XXXX MA XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Sendwave XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sendwave XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX All transactions sent from XXXX account in XXXX was successfully delivered to the my XXXX  account, but then on XX/XX/XXXX I received a message from my XXXXXXXX XXXX in XXXX telling me that SENDWAVE contested the money and all the transactions was sent back to them. 
Since XX/XX/XXXX I've been calling Sendwave asking for the money to go back to my XXXX  account. After a number of calls to Sendwave on XX/XX/XXXX, they finally returned XXXX out of XXXX transactions back to my XXXX  account, but for some reason that no one can explain they did not refund two transactions which was : DEBIT XX/XX/XXXX Sendwave XXXX MA XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Sendwave XXXX MA XX/XX/XXXX XXXX I call them few times a week, everytime the person who I talk to do not understand what I am talking about, they always tell me they will pass this to the supervisor to call me back, I wait 2 days and nothing, no call no refund. 

I am so drained and upset with this situation, I had no ideia SENDWAVE can just take money from people like this. I need help. 

I can provide all the documentation necessary, I have both bank 's statements and the info of the the transactions.
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The following inquiries are showing on my TransUnion credit report without my authorization. 

XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX