davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

I disputed this collection account with CCS Services on XX/XX/XXXX asking them to send me verification that this debt belongs to me.I still have not received anything pertaining to this debt. This debt is supposedly from XXXX while i was pregnant with my twins. During this time i had insurance so thats why i need valid proof of this debt. Also the company that sold this debt is breaking HIPAA Laws by discussing my medical records with third party if this debt is mine. Upon researching CCS Services the are illegally trying to collect debts in Ohio. This company is not registered with the secretary of state in Ohio so they cant actively do business in the state without registering.
Consumer complaint received 2020-08-13
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. (PA)

I am writing to delete the following information in my file. The items I XXXXeed to delete are listed in the report. I am a victim of identity theft. I ask that the  item 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 commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK (CO)

Fraud : Unauthorize person hacked in my 1st bank account and transfered {$2500.00} through XXXX. 

This happen on XX/XX/2020 1st Bank has open the dispute to try to recover the money, 1st Bank online department mention to me that it might take anywere between 10 to 90 days to solve this issuse. 

1st Bank manager was telling me that since someone hack my XXXX account they would probably not be able to refund the money. 

Bank has to resposible for this since I am using XXXX within the account. Even on XXXX website it says that in Fruad I am not resposinble for the unauthorize activities. 

I have to pay my bills and recoping that {$2500.00} fast is very important.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union is reporting outdated information in my credit report. It is unknown how long they have reported the information, but some of it is more that 13 years old. I have disputed the information with them and in each instance they have indicated that the information has been verified. When I asked them to provide the method they used in verifying the accounts, including the name of the person talked to, the phone number of the person talked to and the address of the person talked to, they sent me a form letter which listed none of the information I am entitled to. Below are the accounts : Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Has a filed date of XXXX, and I understand that they go by the actual delinquency date and not the filed date, however the reason there is a XXXX balance on the account as of XXXX is because it was consolidated and XXXX now owns the the account under a separate account number. 

Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX XXXX {$0.00} Same as the account above except it has a filed date of XXXX. 

Court Name XXXX Docket number XXXX Record type Incl.  in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Same as other two Court Name XXXX XXXX  Docket number XXXX Record type Incl. in Bankruptcy XXXX filed XXXX, XXXX XXXX {$0.00} This was a XXXX account that was paid off in XXXX and was never a part of any bankruptcy. 

Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} This account was also paid off in XXXX and not involved in any bankruptcy. 

This seems to be an industry wide problem, as both of the other agencies were reporting out dated account in the Public Records section of my rteport, however XXXX  and XXXX corrected their information. It is only trans union that has and continues to report information that should not be a part of my credit file.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

Applied for the XXXX credit card with American Express. Denied by the new accounts team since I do not have enough US credit history. Used XXXX XXXX  to apply since I do not have Social Security Number. XXXX XXXX used XXXX XXXX to check my credit file. When contacted call center and spoke to the agent, was told that I do not have a US FICO score that is why they denied my application. I want to start building credit in the US. They should have reconsidered my credit card application. No consideration at all. This is completely unfair.
Consumer complaint received 2020-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I contacted the bank to inform them of an item that was purchased on my from my bank card for {$7200.00} from XXXX XXXX store bank in XX/XX/2020. I have not received the sofa from the XXXX It had taken so long, I decided to cancel and get a return from the store for the XXXX The store said they would not refund the money even thought the return policy said I had seven months on a return policy. At this point I don't have the sofa or my XXXX dollars I paid for the sofa. In addition, the sofa displayed on XXXX XXXX 's web sight was supposedly restored completely, but the pictures that was email to me of the sofa, was a used sofa. The sofa is used, It was miss-represented.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I received a copy of my credit report where I noticed a fraud alert and security freeze I contacted the credit bureau to have this removed I was told to submit request in writing which I did however Experian did not removed the alert instead they sent me a letter stating they could not remove I follow all guideslines provided written request drivers license copy bearing address ( physical address ) bank statements showing my P.O. Box ( mailing address ) and a copy of my social security card. 
In addition I also requested to have the bankruptcy showing on my file deleted as this is not my bankruptcy the bureau responded that they had verified the account however I asked them to validate the information ... XXXXthey then responded verified again stating XXXX XXXX as they source and I disputed that do they come back saying US Bankruptcy Courts verified i contacted the US Bankruptcy court and have enclosed a letter where the courts stated they DO NOT and HAVE Not verified this information I also contact XXXX XXXX who also stated they have no record or file matching my information According to the FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The county recorder of feeds and the bankruptcy courts have both emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records I have enclosed the documents from both the courts and XXXX XXXX  A copy of my ID Proof of address And proof of social security number
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Nelnet, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2022-11-01
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. (IN)

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 Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-11-01
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. (CA)

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Consumer complaint received 2020-08-13
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: STATE EMPLOYEES CREDIT UNION (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 and XX/XX/2020 I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.
Consumer complaint received 2022-11-01
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. (NJ)

when to the car dealership to purchase a vehicle i was told they only going to run my credit with, XXXX XXXX XXXX. 
now i have multiple hard inquiries. I did not authorize. 

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
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Debt Recovery Solutions of Ohio, Inc. (OH)

DRS sued me in XXXX XXXX Ohio for alleged unpaid medical debts. I had repeatedly told them that I had XXXX on the dates of service SIX years ago and they kept telling me I did not. I also told them that one of the dates of service would have been covered by XXXX. I was never served papers, the docket shows that they attempted to send a certified notice to me, however I did not live at that address at that time. The docket shows that it was simply sent via regular mail to my then ex boyfriends house. I never got it. However we reconciled and I did receive the request for summary judgement and I promptly answered it, and provided DRS with all of the billing information that they should have needed for the dates of service. The hospital already knew I had coverage in XXXX so this year was not provided to DRS, however my XXXX  information was provided to them. I hand delivered to DRS a letter showing that I had coverage for the entire year of XXXX under XXXX thus clearing myself of any debt, the debts that DRS has placed on my credit. I delivered this to them on XX/XX/XXXX. When I called the next day and spoke to XXXX XXXX, she told me the accounts will not be removed from my credit until meidicaid pays the bills. It does not matter if medicaid actually EVER pays these bills, the hospital is not legally allowed to bill me in the first place because I have/had medicaid. XXXX is holding my credit XXXX!! I have proven that I do not owe these debts, XXXX KNOWS I do not owe the debts they have on my credit and have refused to remove them!!
Consumer complaint received 2020-08-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

New open delinquent account showed as open XX/XX/XXXX. I have not had an account with XXXX XXXX since XX/XX/XXXX. The account information is incorrect and re-aged. It should be deleted. Attached are the only loans from XXXX XXXX that I have received
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

A certified letter was mailed to Credit Systems International on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX still has not been received by Credit Systems International as it is still showing in transit even though it was mailed from XXXX XXXX, Texas and being delivered to XXXX XXXX, Texas. The address that is located on the credit report is the same address that is listed on the certified receipt ; therefore, unsure of why the package has not been delivered. Regardless, I need documentation to support that this debt belongs to me as I had no prior knowledge of this debt prior to receiving my credit reports.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Capital Services, Inc. (OH)

Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Unpaid XXXX Credit Card Balance was {$650.00} and paid over 6 months. 
Paid {$100.00} XX/XX/XXXX Paid {$100.00} XX/XX/XXXX Paid {$110.00} XX/XX/XXXX Paid {$120.00} XXXX Paid {$100.00} XX/XX/XXXX Paid {$100.00} XX/XX/XXXX Final payment date. 

XXXX Acct # XXXX This company is showing that I still have a balance of {$100.00}. They were contacted and sent me a letter stating it was paid in full, but have Not updated my report as of today.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

A certified letter was mailed to Credence Resource Management on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Credence Resource Management on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
Consumer complaint received 2020-08-13
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: Westlake Services, LLC (NJ)

I have a loan with WESTERN FUND, WESTERN FUNDING INC,  and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 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 XXXX, XXXX, XXXX, WESTERN FUND, WESTERN FUNDING INC, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

A certified letter was mailed to LVNV Funding, LLC on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by LVNV Funding, LLC on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (TX)

A certified letter was mailed to Healthcare Collections on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Healthcare Collections on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.