davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (IA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (TX)

Credit collection agency reporting medical bill due. I did not have XXXX XXXX XXXX XXXX  this year. They show I had XXXX  charge in XX/XX/2023. I did not go to XXXX XXXX and I have medical insurance anytime I go to XXXX. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

My letters were sent on XX/XX/23 and no update has been sent to me as of yet about the matter to dispute. By law the credit company has 30 days and both Experian and XXXX has failed to do so.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. It is imperative that you take swift and decisive action to address this matter within the legally mandated timeframes. Failure to do so will only exacerbate my frustration, distress, anger, and sadness. XXXX XXXX XXXX XXXX. Please DELETE!
Consumer complaint received 2022-12-20
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency XXXX including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-09-27
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. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NJ)

Hello, you sent me a paper that looks I owed XXXXXXXX XXXX after credits but when I check my account about this issue it shows me that the balance is XXXX. 
The issue belongs to the date of XX/XX/2022.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (NY)

On XX/XX/year> Axos Bank / UFBdirect.com had computer problems and I could not log into my account. I spoke with UFBdirect.com customer service representatives and they denied they were having computer problems and they could not help me log in. I called Axos Bank and they acknowledged there was a problem. The problem was fixed later in the day. 

On XX/XX/year> Axos and UFB has the same problem. Again UFB and Axos customer service reps were no help. I could not log into my account. I lost faith in the bank and wanted to wire {$260000.00} from them to another bank. I was told i needed to log in to wire funds or they would email me a form that I needed to sign and send the original to XXXX XXXX California. I am in New York so it was impossible to wire funds XX/XX/year>. 

I spent several hours calling and demanding yo speak with an officer of the bank. I was told officers of the bank would not speak to ne, an unimportant customer.Finally I received a call from XXXX a customer advocate, not an officer. After spending several hours he helped me log in and wire my funds.

This bank must always be an, e to wire customer funds without regard to computer problems or forms.
Consumer complaint received 2023-08-09
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. (CO)

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 has 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 XX/XX/2022
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address 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 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 2023-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and wilful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001 Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization-used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-04-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/2024, I received a statement from Capital One regarding my XXXX XX/XX/XXXXcredit card. I had a balance of {$750.00}. I paid {$730.00} towards that balance before the due date of XX/XX/2024. The bottom of my statement says that if I fail to pay my balance in full, I will be charged interest on the unpaid balance, which was {$22.00}. Instead, I was charged {$20.00} interest of the full statement balance of {$750.00} instead of the {$22.00} that remained. I would like this investigated thoroughly and to have the interest recalculated. I should not be paying {$20.00} on a remaining balance of {$22.00}. I have attached the statement from that time period, along with the payment history.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX I received a text message from PNC alerting me that they suspected fraudulent activity on my card. I replied to the message ASAP stating that the charge was wrong and that it should be flagged. I think called a few hours later just to make sure everything was taken care of and that my card was cancelled. 

I was assured on that call that the card had been cancelled but that since the charges were still pending I would have to wait and see if they actually went through before further action could be taken. After that I received weird emails in my inbox directly from XXXX stating that orders had been shipped. I immediately called XXXX stating that these orders were made fraudulently and that they need to be cancelled. I looked at my PNC account it looked as if there were 15 separate charges of {$300.00}. All from XXXX and all including the exact same product. They said that since they had already shipped there was nothing they could do about it. 

I then proceeded to call UPS, who they said they were being shipped by to cancel the shipment and send them back to XXXX as I did NOT want these products. They said there was nothing they could do on their end as the shipping process had already started. 

Once the charges formally hit my account I called the bank to file the dispute and then received a provisional credit a few weeks later. Then, Friday, XX/XX/XXXX I received a few letters in the mail stating that XXXX of the charges were found fraudulent but the other 12 were not. I don't understand how if all of these charges were made at the same time, for the same order, for the exact same amount how a few could be found in error but the others could be ruled as intentional. 

We did NOT make these purchases and did everything as we should have as consumers to take care of this back when it all happened. We have talked to multiple people at the institution and no one can provide us a rational reason as to why this didn't get approved and they are also unwilling to help us fight this to get our money back.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (CA)

On XX/XX/XXXX I received correspondence dated XX/XX/XXXX from GC Services Limited Partnership regarding an alleged debt I owed to the XXXX XXXX County Superior Court,  which had been paid prior to GC 's involvement. I immediately called the number on the letter, XXXX, to resolve the matter. After waiting on hold for over one ( 1 ) hour for a representative to take the call I finally gave up without the call being answered. I thereafter responded by way of the attached letter dated XX/XX/XXXX, sent via USPS Priority Mail, which was received by GC Services on XX/XX/XXXX. 

Having no response by XX/XX/XXXX I sent an email to GC Services - a " screen shot '' of the email is attached, along with the full text of my correspondence. 

As of XX/XX/XXXX I had received no reply from GC Services. 

On XX/XX/XXXX I received a second letter dated XX/XX/XXXX from GC Services stating that I had not responded to the " previous notice, '' a copy of which is attached. 

On XX/XX/XXXX I again attempted to call GC Services at XXXX. After one ( 1 ) hour and eight ( 8 ) minutes, listening to the recording that a representative would be right with me, I finally gave up. See attached copy of photo of call log from my telephone.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (TX)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NJ)

My payments have reached 120 and my loans should be discharged. Mohela has claimed the have sent the information to the Department of education. The Department of education has claimed they do not have it. Both the Department of education and Mohela have been playing games and referring me back to each other for 6 months and no one wants to take the responsibility to discharge the loans I worked to pay off. My 120 payments for PSLF have been met and my loan needs to be discharged now. The Federal Student aid office has a compliant that has not worked on or touched since XX/XX/2023. Feedback Case # XXXX. This is up to the Dept of Ed to discharge my debt right now. This has been ongoing since XX/XX/2023.
Consumer complaint received 2023-09-04
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: First Advantage LNS Inc. (TX)

inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized individual gains access to my personal information, such as Social Security number and driver license, and uses it to open fraudulent accounts and also make unauthorized purchases., my credit report show unfamiliar credit inquiries, accounts, or outstanding debts that i did not initiate. list of unauthorized account i did not initiate are give any permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SU
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (KY)

On XX/XX/2022 my chime banking account was hacked and still they do nothing about it while i was asleep someone changed my email address my pin and added there own go 2 bank account and this has been a nightmare my grandkids didn't have a XXXX do to this it was only XXXX and it may not seem like much but to us it was everything. We had no holiday and still to this day they have done nothing and they say they cant identity me i have done everything chime has asked of me and still nothing why cant you sue chime??
Consumer complaint received 2023-11-06
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)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services, money, and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This has caused me much suffrage and is a defamation of my character.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I had a case of identity theft in XXXX. I have been attempting to place an extended fraud alert since with Equifax and have gone through round after round of sending things in only to have them send me a letter asking me to send in the exact information which I'd sent in before. Sometimes they alternate between asking for A and B, and then when I'd send that in, they'd ask for C and D, and when I'd send that in, they then go back to asking for A and B. I've switched to sending them all of the paperwork each time ( not just what they asked for ), but they are still sending me form letters asking for what I already sent in.
Consumer complaint received 2023-07-19
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.