davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (WY)

On XX/XX/XXXX my son XXXX XXXX XXXX. I took him to XXXX  XXXX XXXX located in XXXX Wyoming. He was seen there by doctors and received treatment. Some time in XXXX of XXXX, I received a bill from XXXX  XXXX XXXX. Since I was employed at work for XXXX  XXXX I took care of the bill. I provided XXXX  XXXX with both my sons insurance cards. My son had two insurance at time. He had XXXX and XXXX  XXXX. However in XXXX of XXXX, I then received a bill on a XXXX  XXXX XXXXletter head with its logo displayed and a contact number for Express recovery a debt collection agency. Very shocked and concerned, I called the number and spoke with a lady by the name of XXXX. I explain to her that I believe that someone made a mistake and that my son had insurances that covered the medical bills both XXXX and XXXX. I was put on hold while XXXX stated that she would look into things. After being placed on hold XXXX stated for me not to worry and that both insurance XXXX and XXXX was billed and that the problem was resolved. This month XX/XX/XXXX, I checked my credit report and came across two bills that were sent to my credit report back in XXXX. I then went to XXXX XXXXXXXX XXXX 's financial office and spoke with them regarding the matter. I was told that everything was paid off by both insurance companies and that I owed nothing. I then showed them that two bills were sent to collections and now on my credit report. I then learned that the physicians billed separately. They provided me with the physician office phone number and I called and was told that they have one bill for the date of service for XX/XX/XXXX. I was then told that they never billed XXXX. I told them I spoke with XXXX from express recovery and she told me that they did bill XXXX and XXXX. Again they confirmed that they only billed one insurance. I then contacted Express recovery and informed them of what I had learned and informed them that someone was not telling the truth and that the problem needed to be addressed. I then informed that if they could not fix the mistake and remove it from my credit report then I would be filing a complaint. 
In conclusion I am very upset over this and should not have had to suffer damages to my credit report because of incompetency and someone not doing their due diligence. I was deliberately lied to and false reported debts were placed on my credit report. This is not right at all. I strongly feel that whoever was responsible for sending the bills to be placed in collections should face stiff penalties for such misconduct.
Consumer complaint received 2022-11-04
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 the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (LA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (FL)

XX/XX/year>, I look at my credit report. I sent a letter to Experian, XXXX XXXX and XXXX  on XX/XX/year> asking them to reinvestigate these accounts. Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year> they sent me their investigation and said these accounts are complete and Accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I would acknowledge that neither reporting agency actually did a proper reinvestigation and check that the information report was factual and accurate.
Consumer complaint received 2020-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUN LOAN COMPANY INC. (TX)

On or around XX/XX/2020, I contacted the loan company and settled with company for less than the account was owed. The company had already charged the account off as a bad account so I settled for less the amount. The loan was up to {$1100.00} and I settled for {$900.00}. Since then the account still shows derogatory on all 3 credit bureaus. This is indeed hurting my credit scores and I am trying to purchase a house.
Consumer complaint received 2020-08-06
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. (TN)

I received Dispute Results Report # XXXX for XX/XX/20 ... which didn't Resolve my Dispute below.. 

I have a Letter of Deletion from XXXX XXXX XXXX regarding the Negative Information Account Number # XXXX which Experian Refuses to Remove from my Credit Report
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (FL)

my name is XXXX XXXX, complaint is for yamaha financial services, they debited twice my montly payment, for XXXX, my bank refunded and blocked one payment, now yamaha applied fees for XXXX they said is because i press for recurring payment, his website has no choice to correct automatic payment., i called them, and they said i overpayment two months, but anyway, they charge me fees, the acount number is : XXXX yamaha phone number is XXXX my phone number is XXXX, my email is XXXX, i always pay before past due.
Consumer complaint received 2020-08-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2020, I contacted the collection company and agreed to pay my debt. The account that was mine I paid in full {$1700.00}. Before paying myself and the collection agreed that if I paid the balance in full that they would remove the account from all 3 credit .bureaus within 30 days from the date I paid. Since then I have reached out to them and I also sent the paid in full letters to each of the credit bureaus and they still have not removed it from credit report. I am currently trying to purchase a home and this is hurting my chances tremendously
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX/XXXX XXXX  | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX   XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX/XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX   XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OR)

Contacted XXXX via phone to verify monthly payment was scheduled for the month of XX/XX/2023. Payment scheduled confirmed. On date XXXX a {$1200.00} payment was scheduled to be pulled out of XXXX checking account. On XXXX I was notified that the payment was declined. I checked my bank account which had sufficient funds and called XXXX. XXXX stated the payment declined due to insufficient funds I stated that wasnt possible as I was looking at the account. I verified the account number with them and they stated it came out of a different account. I do not have another checking account annd never have. They then read the anccont number that that attempted to use. It did not belong to me nor was any account I knew about. I had them immediately run the correct account a pay the payment. The agent stated that because XXXX payment and reversal issues were so close in date and I had no time to fix the issues she would request the late payment removed. As once I was notified I immediately rectified the issue it also was XXXX error in charging an account that didnt belong to me. I have inquired with XXXX who states the credit bureau will have to correct the error that XXXX can not correct it. I have made several attempts to have the credit bureau to correct it and provided all documentation with no success.
Consumer complaint received 2020-08-06
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: U.S. BANCORP (CA)

My US Bank Cash Rewards card and my XXXX credit card were compromised. The fraud investigation departments have completed the investigation and concluded that I authorized the transactions I reported as fraud. This is completely unacceptable and incorrect. Both accounts were closed at my request. Now both companies are reporting to all 3 credit bureaus that my accounts are charged off as ( bad debt ).
Consumer complaint received 2020-08-06
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bridgecrest Acceptance Corporation (TX)

Bridgecrest tried to have my car towed and failed because it was lifted in the state of Texas with my minor in the car made a whole scene by breech of contract, police were involved and the court case was closed due to me not being served. However today XXXX the finance company showed up with my apartment manager ( XXXX XXXX ) trying to facilitate a repo with a XXXX year old! Telling my son they are here with the finance company that wants the car back! That is inappropriate communication and involving a third party instead of restarting the legal process on this civil matter!
Consumer complaint received 2020-06-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Presto Loan Center, LLC (AZ)

This creditor Presto Title Loans is reporting this as a car loan with repossession. This was a car title Loans and they repossessed the car yet still put this on my credit. They should not have been able to so both and it is not a car loan as they are reporting. I looked into other title loans like XXXX   XXXX and if they keep your car your title loan is cleared why is this company not doing the same and reporting this as a car loan and repossession? They need to be looked into.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I had my Citi bank double cash card recently closed by Citi bank. I had the card since XXXX. My payment history is 100 % perfect since opening the card. My card expires XX/XX/XXXX. Citi Bank then sends me an email in XXXX stating stating they received my request and decided to close my account. I called Citi Bank and they said that the credit bureau closed my account not them, I told them that was not possible. I thought at this point my identity as been stolen, but why would a scammer close my account, that doesn't make sense but since the Citi representative said they didn't close my account the credit bureau did I decided to find out what's going on. I called the credit bureau and they said Citi Bank closed the account per their request. So now I disputed my account closure with the bank to the credit reporting bureau XXXX. I get a letter in the mail from XXXX stating that the bank in fact closed my account. So I called Back Citi bank and asked them why they closed my account, they said because I had a Delinquency with XXXX XXXX they have decided not to renew my Citi double cash card. Then on top of that, they made a lie saying that I called in XXXX, claiming that I would like to have my account open. ( I never called in match because I wasn't aware that account was being closed, I have attached that letter today as I found it today, through the Citi bank app ) Meanwhile, my account was never closed in XXXX, It was closed in XXXX, they disregarded using my pristine payments with the bank since XXXX and choose to close my credit card with the longest credit history because of a closed account with XXXX XXXX closed my account and then reported a 30-day late payment. How can you close an account and then report 30-day late payments? The account is closed.
Consumer complaint received 2023-02-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NCB Management Services Inc. (NJ)

This company called me repeatedly and threatened me with arrest and jail. Put negative reports on my credit for collection. Ruined my XXXX XXXX. Needs to be removed from my XXXX report ASAP.
Consumer complaint received 2023-08-14
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)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

PREVIOUS CHASE LOAN NUMBER XXXX THE ABOVE LOAN WAS TRANSFERRED TO XXXX IN UTAH AS A NEW SERVICER ACCORDING TO CHASE LETTER IN XX/XX/2020. 
THEN WHY ARE CHASE INTERFERRING WITH MY HOME INSURANCE WITH XXXX XXXX?
Consumer complaint received 2020-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I was affected by COVID-19, I lost my job, I reported to OPORTUN the financial companies that I could not continue to temporarily make my payments due to the pandemic. they replied that there was no problem. my last payment day is on XX/XX/2020 and until that date I deviated {$3300.00} dls. I got my job back on XX/XX/2020 I made a payment of {$110.00} USD on XX/XX/2020 and I realized that they were charging me interest for {$430.00} USD. they did not mention those charges. they didn't say anything when I notified that I was affected by COVID-19
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (CA)

My social was stolen in XXXX in XXXX Georgia I did my police report and I call the 3 bereus to tell them. But yrs Past and it got worse. Now I got hack all my account information my emails my phone numbers. They have take car loan student loans and personal loans. Im tired of this night mare I have not be able to used my benefit of my social for 20 yrs and the only thing I get is call just to pay bills that are not my .. I want a solucin and get reward for the yrs I lost I disbute a lot of account but in the 3 bereus they have not erase nothing that they closed. I call and they never respond so they can help me more so they can take out the information that I have not used. My social is lock. My email have been hack XXXX XXXX XXXX everything is hack they have all my information. Is a night mare
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I had paid off a past debt at the beginning of the year with Portfolio Recovery. I asked if I had other debts with them and if they could mail me proof of these debts. I have not received any communication by mail only by calls from Portfolio. They just recently contacted a family member about my debts. This is highly inappropriate as that family member is not on any loans or has knowledge of my debts.
Consumer complaint received 2020-08-06
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: WELLS FARGO & COMPANY (TX)

I have a loan with XXXX XXXX XXXX  and WF CRD SVC. I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and XXXX XXXX XXXX and WF CRD SVC with no successful resolution. There was definitely an error on their part.