davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc (NC)

KLS Financial Services is reporting medical debt to all three credit bureaus in the amount of {$290.00}. According to XXXX - Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report less then {$500.00}. I sent XXXX a Validation letter on XX/XX/2022 asking them to validate the debt. They sent me back my original bill and what XXXX XXXX I received. This is also a HIPPA violation because I didn't sign a medical release of my information to be shared with a third party. Furthermore, they were asked to provide their license information showing that they were authorized to collect a debt in the state of XXXX XXXX They did not provide that information. I went on https : XXXX to verify if they were authorized to collect the debt in XXXX XXXX and it showed that they are not licensed to do so.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

After Checking my Experian credit report online, I checked under my closed accounts to look at potentially negative items on my credit report. I have a closed account with XXXX and said account was included in my bankruptcy in XXXX. To help locate the XXXX account, the highest balance that I ever carried on that account was {$4500.00}. After reviewing the closed account on my Experian credit file, and looking at the payment history of said account, I realized that there was a " N '' notation or " negative '' listed under XX/XX/XXXX payment history. This account was closed years ago. In addition, Experian states that this account will remain on record until XX/XX/XXXX. However, XXXX will remove the account from my credit report in XX/XX/XXXX. The information that Experian and XXXX have on my credit report is not correct. I filed a dispute with Experian to resolve this issue.
Consumer complaint received 2023-05-12
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. (IL)

I sent a letter out XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-09-29
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. (MI)

Experian is reporting bankruptcies on my credit report stating that the data furnisher being the XXXX XXXX XXXX Bankruptcy Court, which is false I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring services nor do they verify and validate any information concerning bankruptcies. Experian is falsely stating this information on my credit report and has yet to remove this.
Consumer complaint received 2019-02-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

THIS XXXX XXXX ACCOUNT FOR THE AMOUNT OF {$1200.00} IS AGGRESSIVE FRAUD COMMITTED AGAINST ME. MY PERSONAL INFORMATION IS COMPROMISED WITHOUT MY CONSENT AND BEEN ADDED TO MY CREDIT REPORT WITHOUT PROPER VERIFICATION AND HAS BEEN AFFECTING MY LIFE. MY PERSONAL INFORMATION HAS BEEN ALSO BEEN IN SEVERAL BREACHES LIKE THE XXXX AND EQUIFAX BREACH. 
ACCORDING TO THE FCRA 15USC1681, THIS IS A VIOLATION. IM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY FROM XXXX, XXXX, AND EQUIFAX. 
AS I REPORTED THIS TO THE CFPB AS WELL. ALSO PLEASE UPDATE MY ADDRESS TO ONLY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ANY OTHER ADDRESSES LISTED ON MY CREDIT PROFILE ARE FRAUDULENT.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I had an account with Wells Fargo a while back and I had over XXXX in the account. That account was used to save money so I hardly checked it but when I did go and check it, all my funds were removed. No one at the bank can or wanted to tell me what happened to my money. Until this day, I have no idea what happened to my funds.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-01-12
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. (DE)

Unauthorized hard credit inquiries on my transunion report that I absolutely did not give any company or anyone to get access. This is Fraudulent at least. 

XXXX 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 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have been behind on my monthly payments so I began making partial payments to catch up. The payments were in the amount of {$280.00}. The payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Some of the payments were returned with a letter stating that partial payments are not excepted on the account. So, I received XXXX or maybe XXXX of the returned payments and no one can explain what happened with the other one. In addition my online account has been locked preventing me from viewing my account, so I can verify if and when payments had been applied. When I called to ask why my account is locked it was stated that it is because my account is behind on payments. I explained that as a customer I should have access to my account however, it remains locked. Also, There has been a big discrepancy in my payments since they started returning them and it's difficult to know where I stand currently. Just recently, XX/XX/XXXX I made a payment of XXXX because I entered into a payment arrangement however, I discovered that the monthly amount was too much so they kept the payment of XXXX and returned the rest in a check. When I called to adder the situation no one knows what's going on.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CT)

I initiated a payment from my checking account on XX/XX/. The funds were withdrawn from my checking account on XX/XX/. I called the credit card company on XXXX as the payment was not reflected in my account to use. I was told on that date that the funds would be released on XX/XX/. I called the company again on XX/XX/2023 to follow up as the funds were not released, despite them taking the money out of my account on XXXX I escalated to a XXXX and was told there was nothing they could do and I just have to wait until the following day for the funds to be released despite them having the payment. I paid {$300.00}, which is in addition to my regular payment, in hopes to use it for a payment so that I could get cash back. The XXXX told me they receive this complaint all the time, but can not do anything. They are holding peoples money.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (NY)

Please see attached identity theft report, I have continuously disputed this fraudulent account with all XXXX credit bureaus and they have ignored my verified claim without first hand knowledge to the facts. They are unlawfully and illegally reporting inaccurate information on my credit profile.
Consumer complaint received 2023-02-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : XXXX : XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-02-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I am a customer of Chase Bank and have been for many years. I have a checking and savings account and they hold my mortgage. Just recently they have started to charge me a monthly service fee of {$25.00}. I was told the only way to forgo this fee is if I agree to set up my mortgage payment as an automatic withdraw. I feel like this is the same as holding me XXXX. I pay my loan on time and I don't agree with setting up anything as automatic payments. I'm not sure if this is within their rights to force me to do automatic withdrawals. Thank you for your time.
Consumer complaint received 2022-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I have been with regions since around 2018 maybe even before then, I was under an account with my grandmother because I was not XXXX yet and I havent started having problems with them until I was able to have my own account under my name. When I would cash a check they told me the money would appear in my account within an hour and I wouldnt see the money until 24 hours later which was an inconvenience for me. 
I also would get charged different kinds of fees. I also just recently found out that if I have a balance of XXXX $ in my checking account and then my direct deposit is finally put in the checking account I have to wait 24 hours in order to see or spend my money. Also in the regions app they have this thing called regions lock-it were you can lock your account and keep anyone from taking money out of your account, that never works for me Im always missing money out of my account.
Consumer complaint received 2021-02-19
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. (TX)

Transunion was notified that there were duplicate and unauthorized inquiries on my credit report over 2 months ago and have not done any investigating or correction of error. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were all unauthorized XXXXXXXX XXXX- are duplicate inquiries both dated XX/XX/2020 XXXX XXXXXXXX are also duplicate inquires As a result, I was recently denied credit due to the number of inquiries on my credit report. 

Transunion has received several documents regarding this issue and yet no resolve
Consumer complaint received 2022-09-29
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. (PA)

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 & Number XXXX  XXXX # XXXX, US DEPT OF EDXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX. 
Has violated my rights. 

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 States : 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.