davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX Experian continue to report an address in XXXX XXXX Michigan where I have never lived. A person with the same name XXXX XXXX XXXX received a speeding ticket in XX/XX/XXXX on the Ohio XXXX which was settled according to XXXX County Court records, and discharged in XX/XX/XXXX with a note from the Judge not to use in subsequent reporting. I contacted a Lt in XXXX XXXX Michigan to advise that I have never lived in XXXX XXXX or anywhere in Michigan. Experian has been advised of same. I have lived in the City of XXXX, Illinois for 65 years. This inaccurate data has been disputed with Experian with documents from XXXX County Court in Ohio, and yet it reports this as a part of credit monitoring. Most recent reporting as of XX/XX/XXXX.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I sent transunion a dispute in early XXXX for incorrect information on my report. They did not respond until XX/XX/2023. The letter said that due to isolated technical issues they were not able to deliver my results in the required time. I called them XXXX XXXX and was told they sent my results of my dispute in the second week of XXXX. However I never got that letter. I further informed them that the letter was dated XXXX so how could I get a letter for the results in XXXX. No answer was given. I was informed that I could redispute my issues however.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (MI)

I tried to redispute this issue but they denied my ability to dispute this. It was a medical bill that was billed incorrectly and insurance refused to pay. I have medicare and XXXX XXXX supplement G. I have no copays. they want me to pay the xray charges, I told them that is why I pay for a supplement G so I dont have these bills to pay. I found out the reason medicare and XXXX XXXX doesnt pay is because it is not read by a radiologist so it is not considered a medical procedure, I should not have to pay this and it was turned into the credit bureau and hurt my credit alot. this will increase my insurance and my interest rates.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TX)

I have a loan to pay off at Moneylion I tried to deposit or cash my check and they refused to assist me as I'm XXXX in my hospital bed I asked them to either help me to deposit my State Teachers Retirement check to my account or if they couldn't accept my payment How am I supposed to pay them? 
They refused to help me and I sent a physician statement that I am indeed XXXX I served my country in the XXXX I served as a XXXX  in XXXX XXXX  for 10 years I have a master 's in Education I just hoped that I could be treated as a Citizen of the country I served
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a formal complaint against Capital One Credit Cards regarding their refusal to accommodate my request for a financial hardship review. Despite being on public assistance and facing severe financial challenges, I have encountered significant resistance from Capital One in obtaining the necessary assistance to manage my situation. 

I have been a loyal customer of Capital One Credit Cards for several years and have always strived to meet my financial obligations. However, due to unforeseen circumstances, I am currently experiencing extreme financial difficulty, and my ability to make monthly minimum payments has been severely impacted. I reached out to Capital One requesting assistance in the form of a financial hardship review, which would include waiving late fees, lowering interest rate, arranging a feasible payment plan, or even settling the full balance at a reduced rate. To my dismay, I have been met with rejection on all fronts. 

I am deeply frustrated and disheartened by the lack of empathy and understanding demonstrated by Capital One 's representatives. While I understand that credit card companies operate within certain guidelines, I believe that there should be room for compassion and assistance in cases of genuine financial hardship, especially considering my consistent payment history prior to these difficult circumstances. 

I have explored various avenues to resolve my financial situation, and my request for accommodation is not made lightly. The refusal from Capital One has left me in a state of uncertainty and distress, as I am unsure how to navigate this challenging period without their cooperation. 

I kindly request your intervention and investigation into this matter to ensure that Capital One adheres to fair practices and provides assistance to customers who are genuinely struggling. I believe that a reconsideration of my case and a willingness to work with me to find a suitable solution would not only be in my best interest but also align with ethical and responsible lending practices. 

I am grateful for the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights and promoting fairness within the financial industry. I look forward to a prompt resolution of this matter and appreciate any support you can provide in facilitating a productive dialogue between myself and Capital One. 

Thank you for your attention to this pressing issue. Please do not hesitate to contact me if you require any further information or documentation from my end.
Consumer complaint received 2020-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (MO)

I sent a letter via certified mail to Diversified Adjustment Services in response stating I owed a debt. I asked for validation of the said debt, explanation of the debt via. I never received a response from the company. I sent a second letter via certified mail and still did not receive anything. Diversified Adjustment Services has now put a collections note on my credit even though I still don't have any validation of the debt.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been a Bank of America client since XX/XX/XXXX. I have never had an overdraft, a NSF, or a returned check. My checking and savings accounts with Bank of America are in perfect standing. 

In XX/XX/XXXX, I was approved for the Bank of America Travel Rewards Visa credit card with a credit limit of {$2000.00}. I have never missed a payment and my account is, as far as I know, in perfect standing. 

On XX/XX/XXXX, Bank of America sent me a letter stating, This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the banks risk tolerance. 

As of XX/XX/XXXX, I had over {$100000.00} on deposit with Bank of America. As of XX/XX/XXXX, the total credit available to me from Bank of America was {$7000.00} across two Visa credit cards. Both credit lines were closed, without warning, by Bank of America. 

Despite the fact that the funds on deposit are at least 14 times greater than my available credit, and my payment history is 100 % perfect, the bank claims that there is a problem with my risk profile. 

I have contacted multiple departments within Bank of America, even writing to the Office of the CEO, and all I have been told is that my account is closed, the decision will not be reconsidered, and Bank of America has no obligation to tell me why I am being denied credit.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The Credit Reporting Agency TransUnion had access to and knowingly stole my non-public information and furnished a credit report. They are a non-affiliated third party as I have them no written permission to do so
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (DC)

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

CARVANA LLC XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

My Chime account got closed with the amount of {$15000.00} in my checking account. This took place early in XXXX and I gave the company a call they told me they would send my closure check to the address I had on my account buy I was no longer staying their so I had to send them documents days later on XX/XX/XXXX to get it sent to my correct address. I was told that they were printing my closure check and it would arrive at the address I confirmed but they never truly sent it. I had to continue sending the same documents only for them to finally tell me months later on XX/XX/XXXX they sent my check via expedite to my new address and I would receive it in 1-3 business days then a week went by still no check, so I asked for a tracking number and was told I could no longer get my money for my checking account.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. NEED THIS REMOVED FROM MY PROFILE ASAP. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2021-07-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried everything, I tried everywhere, I still see no results. I am a victim of the XXXX data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Agent to the principal. Submitting a claim to balance all accounts, payable and receivable on all accounts, document attached explains the claim.For recoupment and also a claim under regulation E, these are not disputes I accept them for value and return for value for discharge and set off, reasonably and amicably pursuant due to non full disclosure on all rights and accounts. 
Pursuant to 12 usc Article 8 ARTICLE 3 Pursuant to FASB and IASB I am the creditor on the liability of acct. payables, they are only the creditor on the receivables side.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Collections U.S.A., L.L.C. (WV)

Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX XXXX XXXX of XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX XXXX XXXX XXXX XXXX XXXX was to have filed a claim on my behalf in accordance with MEDICARE procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-07
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. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-21
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. (PA)

I, XXXX XXXX, am verifying that XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (TN)

On XX/XX/XXXX spoke with a XXXX at XXXX extension XXXX at XXXX XXXX. She could not locate this debt yet it combined with other medical bills in collections I am paying one. asked about a {$450.00} bill for date of service of XX/XX/XXXX. I worked for my pcp at this time. There are no orders for any testing on that date or around that date. 
I would like this removed.
Consumer complaint received 2023-06-06
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. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-04
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: SYNCHRONY FINANCIAL (CA)

I do not recall any of these inquiries to below and had already filed an identity theft report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  - XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

EQUIFAX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-08-21
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. (TN)

On XX/XX/XXXX, I sent a company a letter requesting proof of permissible purpose because there was an unauthorized inquiry furnished on my consumer report for the date of XX/XX/XXXX. I do not have an open or closed account with this company. I gave them 10 days upon receiving the letter to respond, and they ignored my request about the inquiry the furnished on my report. I made them aware of the violation of permissible purpose 15 USC 1681b ( 2 ) when it comes to viewing consumer reports without the written permission of the consumer and told them if they failed to provide proof of permissible purpose, they must delete the inquiry from my consumer report. The inquiry still remains more than 30 days later.