davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Millco Management (AL)

Someone has being going to the ER using my name since XX/XX/2014. 

The police here in Alabama has just arrested the person, i contacted AmeroFinancial Solutions with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2021, I purchased a car warranty from XXXX XXXX in the amount of {$560.00}. Upon reviewing the warranty, it was inadequate and I requested a cancellation and refund on XX/XX/2021. The merchant refused and quoted a policy I was never made aware of. They advised I only had 10 days to cancel the policy ; therefore, I filed a dispute with my bank. I initiated a dispute and received confirmation from J. P. Morgan Chase on XX/XX/2021. J.P. Chase Morgan has refused to file a dispute on my behalf with Visa. They stated the merchant provided documentation that did not provide the cancellation terms and they asked the merchant for a refund. Again, the merchant refused. Chase has rebilled my account and did not notify me of the rebill. I was paying my bill and noticed it on my statement. I was not given the opportunity to download, mail, or fax my documentation to support my position. When I initiated the dispute online, there is no link to download documentation. I only received one letter from Chase that mentions to save my documentation but, it does not inform me what to do once I keep my documentation for the dispute process. I contacted Chase on XX/XX/2021, and was told by a dispute representative, XXXX and supervisor, XXXX, they will not file with Visa because the merchant refused??? Based on XXXX guidelines, the merchant must inform the customer of the cancellation policy at the point of sale which this merchant did not do. Chase is refusing to file my dispute with Visa. I contacted Visa and they advised there is nothing they can do and Chase must file the dispute.
Consumer complaint received 2021-06-18
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. (DE)

I checked my personal credit report, which I acquired from XXXX. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. As it states on my Equifax on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX, on XX/XX/XXXX there was an unauthorized inquiry for XXXX, and on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX XXXX  XXXX. As it states on my XXXX  credit report on XX/XX/XXXX there is an unauthorized inquiry from XXXX and another from this same creditor on XX/XX/XXXX, and on XX/XX/XXXX there is an unverified and unauthorized inquiry from XXXX XXXX XXXX
Consumer complaint received 2020-03-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

The credit bureaus have been very negligent and taken longer than 30 days to investigate my original dispute was XX/XX/2020. The information On my credit reports is causing irreparable damage and none of the information has been officially verified. There are unverified names and accounts on my credit reports. I cant get approved for anything, not a car or even an apartment to live in.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Today, XXXX XXXX reports that Equifax listed all my accounts closed with the remarks on the opened account as Consumer Deceased. I am very much alive, and Equifax is knowingly reporting to companies false information about my credit information.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Hello. This was CFPB Complaint XXXX for Experian and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Experian at XXXX on XXXX, I found out that I can NOT mail ANY information to Experian because they have provided me with NOT a thing other than a P. O. Box which is 100 % UNacceptable. In other words, know I require a Mailing Address for Experian and have yet to be given one. [ Note : My Experian Complaint on XXXX has a Company Misprint on it. ]
Consumer complaint received 2022-12-31
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus XXXXXXXX XXXX XXXX to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland funding has filed a Jude gene that to garnish my wages again without notifying me. They did this in XX/XX/2020 and it is the same agency/lawyer so they do have correct address information to serve me. They purposely sent it to the wrong address so that I would not have the information to show up to my court date. I disputed information with them and gave them my correct contact information. It is embarrassing that I have to keep going through this and explaining to my employer and is causing a threat to my continued employment. I feel that this is harassment.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CA)

I HAD BEEN MAKING PAYMENTS TO AN ATTORNEY TO HANDLE A TAX PROBLEM I HAD, AND I MADE 10 PAYMENTS THAT ADDED UP TO {$7800.00} AFTER I HAD MADE MY LAST PAYMENT I COULD NOT GET IN TOUCH WITH THEM, SO I HAD MY BSANK RECALL THE 10 PAYMENTS TO MY ACCOUNT AND THEY DID, AND THEN MY ATTORNEY CONTACTED ME AND TOLD ME THAT NOBODY WAS IN THE OFFICE BECAUSE OF COVID 19, AND WE IRONED IT OUT AND I TOLD THEM I WOULD GET A CHECK FOR THE TOTAL AMOUNT AND DELIVER IT TO THE THEM THE NEXT DAY, SO I WENT TO THE BANK AND HAD MY BANK MAKE ME A CASHIERS CHECK FOR {$7800.00} AND THEY CHARGED ME {$10.00} AND MY ACCOUNT HISTORY SHOWS ALL OF THIS, SO AFTER I DELIVERED IT, THAT SHOULD HAVE BEEN IT FINISHED, BUT IT WASNT, MY BANK STARTED PUTTING THOSE 10 TRANSACTIONS BACK IN TO THE OTHER ACOUNT AGAIN, AND I CALLED WHEN I NOTICED THIS BECAUSE THEY WERE USING THE MONEY I HAD IN MY ACCOUNT TO DO THIS AS WELL AS MONEY I DIDNT HAVE, AFTER I LET THEM KNOW THEY STARTED BRINGING BTHOSE 10 TRANSACTIONS BACK AGAIN BUT ONLY BROUGHT BACK 4 OF THEM AND THE OTHER 6 THEY DID NOT AND THEY TOLD ME THAT THE TIME ALLOTTED FOR THIS HAD BEEN EXCEEDED, AND I SAID. " WHAT? '' I AM NOT THE ONE THAT MADE THESE TRANSACTIONS, AND I DID NOT ASK FOR THIS EITHER, AND I POINTED OUT THAT THE CASHIERS CHECK THAT MY BANK MADE WAS FOR THE SAME AMOUNT, TO THE SAME PLACE? AND THEY JUST LEFT IT LIKE THAT AND LEFT ME WITH A {$5500.00} DEBT AND ARE MAKING ME THE RESPONSIBLE PERSON FOR THIS, MY BANK DID THIS WITH OUT ME KNOWING AND I WAS NOT EVEN THERE WHEN THEY DID THIS, IT WAS ALL DONE BEHIND THE COUNTER AND NOT AUTHORIZED BY ME, AND TILL THIS DAY THEY STILL IGNORE EVERY EMAIL I SEND TO THEM IN REGARDS TO THIS AND THIS HAPPENED MORE THAN A YEAR AGO, IS IS HAVING A BAD AFFECT ON MY FINANCIAL STATUS AND CREDIT, I HAVE THE DATES AND ALL THE TRANSACTIONS FOR THE AMOUNTS AND THE DAY THAT IT WAS DONE, AS WELL AS SOME EMAILS THAT I SENT TO THEM I DONT KNOW WHAT ELSE I CAN DO TO RESOLVE THIS AND EVERYTIME I CALL AND ASK ... ... THEY TURN IT AROUND AS IF I DID THE TRANSACTIONS AND I DID NOT, IT IS VERY CLEAR THAT WHAT THEY DID WAS WRONG BUT THEY WILL NOT DO ANYTHING ABOUT IT, THEY ADMITTEDE BEING WRONG WHEN THEY BEGAN PUTTING THE MONEY BACK IUNTO MY ACCOUNT THE SECOND TIME, BUT FAILED TO PUT BACK ALL OF IT please help me with this!
Consumer complaint received 2021-06-18
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. (DE)

I checked my personal credit report, which I acquired from Experian. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. As it states on my XXXX  on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX, on XX/XX/XXXX there was an unauthorized inquiry for XXXX, and on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX XXXX XXXX. As it states on my XXXX  credit report on XX/XX/XXXX there is an unauthorized inquiry from XXXX and another from this same creditor on XX/XX/XXXX, and on XX/XX/XXXX there is an unverified and unauthorized inquiry from XXXX XXXX XXXX.
Consumer complaint received 2021-06-18
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. (TX)

XXXX XXXX XXXX  continue to violate my rights under 15 USC 1681 & 15 USC 1692. I AM a Federally Protected Consumer and I AM asserting my rights via 15 USC 1601, is 15 USC 1681, 15 USC 1692. I have never contracted with XXXX ( XXXX  XXXX XXXX ) as well as I do not consent to them furnishing ANY accounts under my name. I tried to reconcile this matter peacefully several times in the past to no avail. NOW I demand that they comply with the law that they took an oath to and provide me my remedy that I have requested. The proof that I will be submitting today has also been sent to XXXX via Certified Mail! Those documents include : A Notary Presentment, An Affidavit of Truth, An Invoice, and Exhibits highlighting each violation.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX continue to violate my rights under 15 USC 1681 & 15 USC 1692. I AM a Federally Protected Consumer and I AM asserting my rights via 15 USC 1601, is 15 USC 1681, 15 USC 1692. I have never contracted with XXXX ( XXXX  XXXX XXXX ) as well as I do not consent to them furnishing ANY accounts under my name. I tried to reconcile this matter peacefully several times in the past to no avail. NOW I demand that they comply with the law that they took an oath to and provide me my remedy that I have requested. The proof that I will be submitting today has also been sent to XXXX via Certified Mail! Those documents include : A Notary Presentment, An Affidavit of Truth, An Invoice, and Exhibits highlighting each violation.
Consumer complaint received 2020-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE ISSUE IS HIPAA COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under HIPAA. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized HIPAA business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized HIPAA business relationship between XXXX XXXX or XXXX XXXX. My request was made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and California 's Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued XX/XX/XXXX and Omnibus Final Rules effective XX/XX/XXXX.
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America debit card received a fraudulent charge of {$200.00} on XX/XX/2020 at XXXX from XXXX WITHDRWL TRAILER # XXXX XXXX LA. I filed a claim on XX/XX/2020 and received a notice that this transaction was " authorized '' and they will be pulling the money from my account on XX/XX/2020. I was not at this location and if requested camera evidence, I would not be there. I have XXXX  receipts of me being over 20 miles away from XXXX XXXX so I could not have physically withdrawn during heavy traffic hours.
Consumer complaint received 2020-03-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

THE ISSUE IS HIPAA COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under HIPAA. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized HIPAA business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized HIPAA business relationship between XXXX XXXX or XXXX XXXX. My request was made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and California 's Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued XX/XX/XXXX and Omnibus Final Rules effective XX/XX/XXXX.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (FL)

My name is XXXX XXXX. There is a Account from allied some type of collection bureau reported to XXXX in my credit report my social security number or none of my personal information was provided to this company I dont know what was used to verify that this account belongs to me this account doesnt belong to me and I havent received anything in writing and this debt isnt mine. Please remove this account from my credit report.
Consumer complaint received 2020-03-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NC)

Starting a refinance with XXXX XXXX XXXX Loan Depot on XX/XX/20 Received Loan Estimate, Lock Agreement ( good through XX/XX/20 ), Appraisal, and was told everything was in order Received call last week that they could no longer complete the loan because of COVID 19, and left me with no options How can they cancel this process after a month and having agreed to terms?
Consumer complaint received 2020-03-31
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me, there are several accounts that were open under my name that are not mine and need to be removed. Pleased remove these fraudulent unknown accounts form my report as soon as possible. 

DEPTEDXXXX XXXX {$10000.00} US DEP ED XXXX {$34000.00} XXXX   XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$7100.00}
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (CA)

GM Financial Open date : XX/XX/XXXX Closed date : XX/XX/XXXX Highest balance : {$7400.00} Issue : the car was returned for lease termination. 
GM Financial never sent the closing statement for final payment. I called in twice in the following 5 months and was told the closing statement had not been generated. 
When I called in XXXX, XXXX to gather information on 3 GM financial accounts ( all car leases ) for mortgage application purpose I was told this one account was 60 days delinquent ( other 2 were closed ). I asked for explanation and I was told they had sent out closing statement in mail and called my cell phone. 
However, I have never received the closing statement in mail and gotten any voicemail from GM financial. I never pick up phone # s that's recognized. however, I've never received voicemails left by GM Financial. 

I've requested to file a dispute but GM Financial never documented the complaint and created a dispute case. I've also filed a dispute with XXXX
Consumer complaint received 2020-03-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK (FL)

Capital Bank held a business account. They took the funds and closed the account upon rebranding their bank name to Horizon. I never authorized my business account to be stolen from. Thanks for anything you can do to avoid fraud in the future. This is bank is a scam. I never authorized any funds to be withdrawn from my account.
Consumer complaint received 2020-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Consumer complaint narrative 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** )
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested fraud alert be placed on my credit report and security freeze along with fraudulent account being blocked after submitting ftc report and identity theft affidavit notarized. 

According to FCRA 605B ( 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.

As Surety, I have the power to stipulate. I stipulate that this fraudulent account be removed from my Surety report.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of XXXX, I applied for a Capital One credit card. Capital One required me to send a {$200.00} security deposit to open a secured credit card account with them. My credit limit was equal to the security deposit - {$200.00}. In XXXX of XXXX, I requested from Capital One a credit limit increase. They denied it. They said they do not increase credit limits for secured credit cards like mine which are correlated with a security deposit. In late XXXX of XXXX, Capital One increased my credit limit to {$500.00}. Thoroughly confused, I asked Capital One for my {$200.00} security deposit back and they refused. I have written them twice. I have reviewed Capital One 's credit card terms and customer agreements and nowhere in any legal documentation can a customer have a combined credit card which is secured and unsecured. They should have sent me another card with a {$300.00} limit or sent me my {$200.00} back.