davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mediation Recovery Center (WA)

I received a letter from Mediation Recovery Center stating that I owed a debt of {$4300.00} but they would give me a discount to {$3500.00} if I paid today. I always pay all my bills and have a good credit score XXXX. I called and the person answered the phone and immediately started telling me about a bill I owed. He did not ask me any identification questions. He started threatening me that they have a very large file on our case and stated we owed this money for durable medical equipment provided at the time of a XXXX my husband had in 2018. He stated he had EOB 's from the insurance, signed contract to pay from my husband, etc. I am a XXXX XXXX  and I know that my husband did not have or require the durable medical equipment that he was talking about. I also have never received a bill or any prior communication about this. I was suspecting a scam. I asked him to send me the EOB and signed paperwork from my husband. I then stupidly did provide him with my email address. He did send me a letter supposedly from this durable medical equipment company, but was something that he could have typed up, he did not send EOB 's or a signed contract from my husband. I told him I thought this was a scam and he became very threatening to me, stating that he would just push it through to ruin my credit report if I did not want to pay today. I hung up on him. I then XXXX  the company and it looks like others have had this experience and it is a scam. I did not give these people money but I am reporting them hoping to put a stop to them scamming other people.
Consumer complaint received 2022-04-16
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. (IN)

In accordance with the Fair Credit Reporting act Convergent account # has violated my rights. 


XXXX Account # XXXX MO US Dept ED Account # XXXX XXXX XXXX XXXX # XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C. 1618 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-08
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. (AL)

I CALLED AND SPOKE TO SOMEONE FROM EQUIFAX ABOUT A TWO MONTHS AGO ABOUT THESE FRADULENT CHARGES ON MY ACCOUNT. THEY HAVE YET TO REMOVE THE FOLLOWING : XXXX IN THE AMOUNT OF {$1200.00} FRADULENT OPENDED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX  IN THE AMOUNT OF {$290.00} FRADULENT OPENDED ON XX/XX/XXXX. I HAVE FILED A COMPLAINT WITH IDTHEFT.GOV AND WITH MY LOCAL POLICE DEPARTMENT! HAVE THESE ITEMS REMOVED ASAP. FOR THIS HAS CAUSED MY JOB NOT TO BE ABLE TO ADVANCE ME TO HIGER POSITIONS. I AM EXTREMLY UPSET AT EQUIFAX FOR NOT REMOVING THIS INCORRECT INFORMATION! TAKE THE INCORRECT ITEMS OFF ASAP! I HAVE ATTACTED MY POLICE REPORT AND MY COMPLAINT WITH ID THEFT.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I booked a hotel room using my Chase Travel Rewards ( XXXX points ). When I arrived at the hotel ON XX/XX/2023 I was told I didn't have a reservation. I produced my receipt from Chase Travel Rewards and the clerk claimed she didn't have that reservation. I called Chase and spent an hour on the phone while they tried to clear it up with XXXX XXXX. In the meantime, I paid the hotel charge of {$210.00} because it was after XXXX XXXX and my wife and I were tired. Chase assured me they would clear this up. It is now XXXX and Chase has closed the case because the vendor says there is no mistake. I paid cash AND points for the same reservation. In 3 months, Chase hasn't been able to get me the money or the points. This entire transaction was done within the Chase program - using my poionts through Chase and paying with my Chase credit card. It is very black and white to even a child that I was billed twice for the same hotel room.
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toXXXXn, Equifax and XXXX they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my credit reports.
Consumer complaint received 2023-02-07
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)

This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (SC)

Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX  ( Original Creditor : XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (NC)

My car was recently repossessed on XXXX XXXX due to missed payments. My original lender, USAuto Sales, has permanently shut down and handed all of their information to a new lender, Westlake Portfolio. Ever since the sudden switch roughly 2 months ago, I havent been able to make a payment due to them not being able to access any of my information such as my SSN or my vehicles VIN. I was sent in cycle of me calling and being told to call back in a week. Just recently on XXXX XXXX we finally reached an answer, the reason they couldnt pull up my account when I provided MY information such as my SSN and VIN Number, was simply because they have someone elses SSN attached to my vehicle! Instead of acknowledging the mistake they made I was told since an account existed with someone elses SSN that it still falls on me for being late even though they had the wrong SSN. To add on to that, instead of fixing THEIR mistake, they decided to provide me with someone elses FULL SSN and I was told to use their SSN to enter the account make a payment of {$1500.00} in order to receive my vehicle back. I was extremely upset with this decision and make it clear that I was very uncomfortable with using someone elses SSN to make a payment on my vehicle, the lady I was speaking to became more agitated and proceeded to tell me there wasnt anything she could do for me besides decrease the price by {$30.00} until XX/XX/2023. I dont feel like what their doing is legally acceptable, under no circumstances should they be okay with giving out someones SSN so willingly! I dont know what to do from here.
Consumer complaint received 2023-02-07
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : THIS ACCOUNT IS UNER FRUAD NEED REMOVED ASAP. ALSO TRYING TO GET A HOME SOON.

I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ ] XXXX Reason : [ INFO NOT RIGHT THIS UNDER FRAUD NEED REMOVED PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I paid off my student loan balance in XXXX of XXXX while still under XXXX. Today I received a bill stating I still owe {$10000.00} with a payment due in XX/XX/XXXX. I have emails and documents supporting I paid all my loans. Initially, I received a statement with Aid Advantage when they took over that my balance was XXXX. Now, I look and they have retroactively gone back to reverse a payment of {$10000.00} with a date of XXXX of XXXX. I never made a payment in that exact amount. How can they so called reverse a payment historically? This is inaccurate. I was afraid something like this might happen when the new loan servicer took over, which is why I made every effort to paid off all my loans before it happened. I did successfully do this in XXXX of XXXX while still under XXXX. Please help me in investigating this. They have erased all previous documents on my account, but I can produce a transaction spreadsheet of all my payments for the life of the loans. I do not trust they will remedy this situation without reinforcement from your organization.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2019-07-24
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: FC HoldCo LLC (FL)

Good Evening, My Name is XXXX XXXX, Today i received a hard inquiry on my credit report from " Flagship Cred '' as stated on my report i reached out to the institution phone number ( XXXX ) XXXX as stated on my report and i speak to a representative about my situation and she responds " this is not a credit or report credit business this is '' " XXXX '' company for bugs termites and what not, i had asked her why was i receiving any inquiry from their company on my credit report she then asked for my information gave it to her willingly asked about my home address and told me you don't come up at all in our system im not sure why are you even seeing that on your credit.. i need this to be removed i believe there's some sort of fraudulent going on with my credit report and i need this to stop and be disputed and taken out of my report
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CREDIT WAS PULLED ON THESE ADZACT DATES WITHOUT MY CONSENT .
Consumer complaint received 2024-03-06
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. (FL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (GA)

Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00}, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-07-24
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: U.S. BANCORP (CA)

On XX/XX/XXXX I sent a letter to US Bank to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing US Bank to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.
Consumer complaint received 2024-03-06
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (FL)

I sent a letter regarding a late payment that was reported on my account. I have not received a response as of yet. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately update this item from my credit report. Its been over 30 days and I have not received an updated status. I demand this account be updated immediately, or I will file for litigation due to the stress you have caused.
Consumer complaint received 2023-08-08
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. (HI)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.