davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

There is a bill from the XXXX XXXX visit. At the time of the visit, I was XXXX   and receiving XXXX and XXXX for insurance. Additionally, I was going through fleeing from XXXX XXXX. So, I was residing in a confidential shelter. I qualified for XXXX XXXX offered, as well as other XXXX options. I told the personnel about my situation and was given assurance no bill was issued based on information as stated above. As of to date, I am on XXXX and have been since I moved to California XX/XX/XXXX. I was not aware of any bills until I recently received my credit report. I was surprised to see a balance from XXXX XXXX. I can assure you I was definitely receiving XXXX and XXXX. So, I am perplexed as to why I have an outstanding balance on my credit bureau. 

MESSAGE FROM BUSINESS : Dear Ms. XXXX, This letter is in response to an inquiry received at XXXX XXXX XXXX from the XXXX XXXX XXXX  on XX/XX/XXXX. The inquiry referenced your complaint regarding your XXXX XXXX ( XXXX  ) visit on XX/XX/XXXX. Your concern is that the charges for this visit appear on your credit report, and that you were XXXX eligible at the time of service, Treviewed this visit and located the eligibility inquiry our registrar submitted on the XXXX website. Based upon the SS # and birth date provided at registration, it was determined you were not XXXX  eligible on XX/XX/XXXX. ( Please see the attached copy for your reference ). Therefore, this encounter was considered a " cash '' account because there was no insurance to bill. XXXX-XXXX  eligibility was checked again in XX/XX/XXXX, and again was returned as not eligible. Please note the State of  California only allows one year from the date of service to check for eligibility, so currently we are unable to check for XX/XX/XXXX. 

Treviewed the physician 's dictation from this visit which mentions " patient is residing in her XXXX ''. Because of this statement in the ED dictation, I will consider this to qualify for our financial assistance program. Therefore, I have contacted the collection agency, CMRE Financial Services, to cancel collection efforts and have this balance removed from the credit bureaus. A letter from CMRE is forthcoming to confirm this information and will be mailed to the address listed above. You can contact CMRE directly at ( XXXX ) XXXX if a letter is not received within 2 weeks. 

Please note we consider this account to be resolved. 

Regards, XXXX XXXX.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (TX)

I sent a validation request to IL XXXX XXXX XXXX on XX/XX/2020 and never received a response. The original letter from IL XXXX XXXX XXXX letter states that the creditor is another debt collector named The Bureaus. Since the account was sold, The Bureaus should not be trying to collect from me, as well as should be removed from my credit report.
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (ID)

I was employed by a XXXX XXXX. This company is fraudulent. I am now {$2900.00} in debit to my bank. I've been employed by other companies to XXXX XXXX. With no issue. Ive been naive to think this is legitimate. I don't have the funds to cover this act of fraudulent activity. If there is anything to be done to help that wound be greatly appreciated. The company is called XXXX XXXX  XXXX XXXX. The numbers given to relay messages are XXXX, XXXX the email is XXXX please if this can be taken care of i would greatly appreciated it.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (GA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-03-23
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: DISCOVER BANK (NY)

I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior
Consumer complaint received 2020-03-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AZ)

Seeking to inquire about lower interest rates, on XX/XX/2020 I called LoanDepot to provide me with an estimate to refinance. I provided the broker, XXXX XXXX ( Licensed Lending Officer NMLS # : XXXX ( XXXX ) XXXX XXXX ) with my current credit score and the basic information he asked for.

I asked him NOT to complete a formal application and to definately not pull my credit score. I asked that he provide me with an estimate ONLY.

I called back hours later, as promised, and he quoted me a rate. I told him that rate was unacceptable.

Days passed and I received an email to sign loan documents from LoanDepot. I called to file a complaint. Another LoanDepot representative took my information and promised to call me back within a week. This was two weeks ago. 
This mortgage broker violated his promise not to submit an application and to pull my credit.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (OH)

I have two accounts with Comenity Bank ( Victoria Secret and XXXX  's ). Both had fraudulent transactions on them in XX/XX/2020. I have not had any activity on these cards in a significant amount of time and neither card should've been activated. 
The Victoria Secret charge was for {$110.00} and the XXXX 's charge was for over {$6000.00}. I did not make or authorize these charges. I disputed with Comenity and never heard an answer back for the charges on the Victoria Secret card and had to inquire multiple times on the XXXX claim, which was eventually denied and I was told I was responsible for the charges. I asked for them to review it a second time and they have failed to respond. I have tried secure messaging on their website and calling, however I get no assistance. 
I made a request for the XXXX 's account to be closed about 6-8 months ago and never activated the newest Victoria Secret card, I'm confused how they were even able to be used. Since I received no help from Comentiy, I don't know where else to turn but I can't afford these fraudulent charges.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

I have a Chase Sapphire Reserve Credit Card. The aforementioned card has a trip cancellation benefit that I filed a claim for two separate vacations which were cancelled due to military orders. I supplied the lengthy amount of documentation that was required, followed up several times and was eventually denied both claims. Eclaimsline stated they were denied because I was " afraid to travel due to COVID-19. That is not that case. The military has ordered me to my locality, I am not authorized to travel beyond two hours from my residence while the military order is in effect. I'm paying an annual fee of {$550.00} for this benefit and the company has made every excuse possible and/or losing paperwork to deny my claim.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (IL)

I sent a letter to 3 Credit Bureaus to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. 




XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$310.00}
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

After filing complaint ID # XXXX-XXXX  on XX/XX/XXXX with your agency against USAA Federal Savings Bank and receiving their response to your agency from your agency, which was not satisfactory in relation to the complaint ( dispute ), I then requested through their USAA Credit Card Agreement Arbitration Addendum, which is part of the credit card agreement, to start the arbitration process through filing with XXXX XXXX XXXX, as their administrator. I sent this request following USAA 's written process through USAA 's General Counsel using USPS certified/return receipt mailing to both entities. As of today 's date XX/XX/XXXX, there has been no response to the request for arbitration for USAA disputes and claims to be resolved. This is mandatory arbitration included in their credit card agreement which precludes me, the credit card holder from pursuing litigation either in small claims/civil court or filing a class-action lawsuit until this process has commenced. Their refusal to acknowledge the request to proceed with arbitration through XXXX  appears to be a purposeful tactic to stall civil litigation. 

Additionally, I requested through the USAA credit card contract page 24 that USAA informs the credit bureaus ( 3 ) that this account contained within the complaint number referenced above to be reported as disputed due to fraud and my statement be included in their monthly reporting. I wrote to the USAA/Consumer Report Dispute department as they have referenced in their CC agreement, mailed this certified/return receipt USPS again with no response as of XX/XX/XXXX. 

USAA is not following their own internal banking guidelines and procedures they themselves have set forth in their Banking/Credit Card Agreement, and if this is the case, since there has been no written, digital or oral response to the above-referenced requests, I would through your agency request the ability to move forward with civil litigation against USAA Federal Saving Bank, since their mandatory credit card arbitration through ( XXXX  ) XXXX XXXX XXXX has not been followed through on their companies part.
Consumer complaint received 2022-12-28
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. (NM)

I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX  signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all XXXX credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other XXXX Equifax and XXXX just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will Equifax or XXXX.
Consumer complaint received 2020-03-24
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: U.S. BANCORP (CA)

I called US Bank Visa credit card ending in XXXX requested a forbearance as I was impacted by the Corona virus and they denied my request and us Bank Visa Credit Card indicated that if I was 30 days late they would report it to the credit reporting companies
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX continues to report my account late as 30 days ( TRANSUNION ) Account was pain in full in XX/XX/2020 account was never late.
Consumer complaint received 2024-05-13
Product: Credit reporting 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. (TX)

I have sent out several letters asking for validation and deletion of the accounts on my credit report that is reporting negatively. I have enclosed the letters I have sent with no response back. 
Letter one on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear XXXX XXXX, XXXX XXXX Account # XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

This account is inaccurate and does not belong to me. I do not have a contract with this company. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX Letter 2 on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX XXXX XXXX Re : Account # XXXX XXXX, XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX Reporting twice on my credit report, I do not have a contract with this company. Delete immedietly. 

XXXX Reporting inaacurate information, I do not have a contract with this company. Delete immediately. 

XXXXreporting inaccurate information. I do not have a contract with this company. Delete immediately. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a paying customer with TRANSUNION my problem is most of the time I refresh my report is gets disconnected stating technical difficulties also the dispute website never works. I have disputed the inaccurate inquiries in my account and transition stated that its not their responsibilities to investigate.
Consumer complaint received 2020-03-23
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. (UT)

Trans union has 2 bankruptcy showing on my report I have disputed them 5 times they keep sending me the information is verified as accurate and investigated is closed I reached out to the bankruptcy court and they provided documentation that proves the reporting is incorrect they also stated that nobody for trans union has reached out to them to verify Accuracy I have sent them this certified mail and provided clear proof I keep getting denied my home loan due to this bankruptcy reporting now I want answers and hold someone accountable I have been patient and followed there protocol and cant seem to get anyone to do there job I cant provide proof of deliver of items sent to them showing this is wrong information reporting need this address ASAP I am willing to do whatever it takes now
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tsarouhis Law Group, LLC (NJ)

I was sick with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.
Consumer complaint received 2023-01-13
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. (IL)

I filed a report with identitytheft.gov but I am not able to get a copy of that report because the temporary passwords they send me don't work and I am unable to speak with a living person. 
see attached for other information
Consumer complaint received 2020-03-23
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)

My Complaint is Against All the Companies Listed XXXX XXXX, XXXX, XXXX  and Experian are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, XXXX, XXXX  and Experian copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2020, I deposited a check for {$4300.00} at my ( Chase ) bank 's ATM. I normally would have taken a check that size into the bank branch but we are supposed to be practicing " social distancing '' due to the coronavirus pandemic. Since I have never bounced a check or overdrafted my account AND the same person had written me a check 10 days before that had cleared - I assumed that there would be no problem. I was notified that a hold would be put on the check until XX/XX/XXXX. The check was from an account at a local bank. 
On XX/XX/XXXX, I was notified that the check was on hold until XX/XX/XXXX. 
I contacted the client who had written the check to see if the check had cleared her bank. 
She confirmed that the check had cleared and the funds had been withdrawn from her account on XX/XX/XXXX. 
I called Chase Bank on the morning of XX/XX/XXXX. I was put on hold for over an hour. 
When I finally spoke to a customer service representative, I was told to go to my local Chase branch to sort it out. However, I live in Michigan and the Governor had just issued lock down orders for the entire state so my bank branch was closed. I explained this. I explained that the funds had already been released to Chase by the local bank from which the check had been written. Chase had the full {$4300.00}. 
I was told that Chase was holding the funds for a " secondary review ''. The representative refused to explain why. I was told that I would not get my money until the following week. 
That leaves me with {$140.00} to pay my bills and buy food for the foreseeable future - I am not confident that the money will be released at all at this point since there was no reason to extend the hold order in the first place. 
Let me repeat : the check had already cleared the other bank and Chase was in possession of the funds with no reason given as to why I could not access the money other than some vague reference to a " secondary review ''
Consumer complaint received 2020-04-03
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: SLM CORPORATION (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )