davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (MO)

Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication.

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Your company also did not send any information regarding this alleged debt to me which is also a violation. 







Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-07-10
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. (TX)

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  account number XXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2023-01-25
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. (NJ)

I was scammed by XXXX XXXX  several times i called reported it and nothing was done by them with credit cards now my credit score is completely ruined and my information is given to all these companies and nothing is being done i tried everything with XXXX XXXX.
Consumer complaint received 2023-02-10
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 am expanding my business and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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 know that under 15 U.S. Code 1681i ( a ) ( 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2021-07-31
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. (FL)

I just received a notification on my Equifax account saying my dispute was settled and the results are available on line. ( See Equifax notification ). Yet this is another lie Equifax is telling because these results are not available on line to me. ( See result disputes 1,2and 3 ) They ( Equifax send me a notification saying the results of my dispute are ready and available to me on line when they know they have no intention of letting see the results on line. They know that I will file another complaint against them if they can not provide credible evidence to rule against me in the dispute. Look for yourself. I have already filed a complaint with the Georgia Attorney General office against Equifax since the CFPB refuse to do anything. Equifax is lying my results are not available to me on line nor to they have any intention of making those results available to me.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Prince Parker & Associates (GA)

On XX/XX/XXXX, I called XXXX XXXX XXXX to inform them that I will be terminating the phone and internet contract starting XX/XX/XXXX, and switch to XXXX. ( Monthly bill date was from XX/XX/XXXX to XX/XX/XXXX ) The XXXX XXXX XXXX representative told me that the technician man took care of discontinuing the plans. However, only the phone was cut and the internet was not discontinued. I used to receive phone and internet ( XXXX  ) bill as XXXX account, but I was billed the internet ( XXXX  ) every month with a different account number. I called every time the bill came to say that I wish to stop receiving service from XXXX XXXX XXXX. Finally, the bill stopped coming, but I was demanded that I pay {$XXXX}, which I should not be required to pay since I have been calling every month since the end of XXXX to stop all services. Additionally, On XX/XX/XXXX, which should have been my last bill to pay, I had accidentally paid it XXXX  so I should be receiving that back.
Consumer complaint received 2023-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

When I went in on XX/XX/XXXX for a standard office visit to see my physician I asked how much the self-pay amount was for an office visit. The office advised that it was {$100.00}. I requested that this visit be billed as a self-pay visit. The Physicians office did not bill as self-pay but chose to bill my insurance for XXXX and then charge me a balance of {$180.00}. I called them to advise that I would not pay the requested amount of {$180.00} and that they billed my insurance without my permission. I told them I would pay the self-pay the amount of {$100.00}. They refused to adjust the bill. They then advised to contact their central billing. I opened a dispute with their central billing. They denied my claim again and advised they wanted {$180.00} to resolve the matter. 

In XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX  issued an update to HIPAA privacy regulations that permit a patient to pay cash. 

Patients covered by a health plan XXXX choose to pay their doctor in full for services and choose not to disclose any information to their insurance company even if the services are covered by the insurance company. 

Anyone that wants to pay on the same date of service should be able to get the discount. 

They have now assigned this account to a collection agency. Credit Systems International XXXX XXXX- XXXX, XXXX XXXX - XXXX. I have called the collection agency to advise them of the dispute and they told me they would resolve the issue if I paid the {$100.00} but would not put anything in writing to confirm their statements. This is a very deceitful tactic. Not to mention assigning any medical bill to a collection agency is a HIPPA violation.
Consumer complaint received 2023-07-27
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. (MI)

I am submitting a complaint due to unauthorized inquiries on my report through Equifax. according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows 4 inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. It's a defamation of my character and to my livelihood..
Consumer complaint received 2023-07-27
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. (SC)

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, Equifax, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : 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 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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. 

I have attached documents showing this horrible mistakes on my credit report.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Tribal Lending Enterprise, Inc. (CA)

On XX/XX/XXXX I was looking online for a loan and I came across this one apparently I have my information through them before but I never actually got a loan I hastily applied then when I accepted I noticed my bank account information was from 3 years before. I panicked and immediately called them the next morning trying to at least change the information they told me I had to wait XXXX business days to wait for it to return to them and that when they receive it back theyll reach out and I would have to do a new application because it during XXXX XXXX XXXX XXXX  XXXX holidays i understand the slight delay but by XX/XX/XXXX they still hadnt contacted me about anything and one the portal on their website was already saying my first payment was due on the XXXX. So I called again asking about that because I hadnt even received the funds so why would be expected to pay back while Im the middle of waiting for it to return to them? The customer rep said to disregard and that they wouldnt charge that date. They said it was still awaiting return to them by this point this is already XXXX weeks or so at this point & nothing i called again on the XXXX and they implied that maybe the bank kept it because I owed money?!! And that I have to contact the bank ( XXXX XXXX XXXX ) to get them to send it back to them? even if I owed the bank I didnt owe them {$800.00} so where would the rest of the money go? And I currently work at a bank Mind you the account closed in XX/XX/XXXX and the loan was sent their allegedly on XX/XX/XXXX over 2 years after this account got closed. now its XX/XX/XXXX I havent received any phone calls except some emails now saying Im behind on payments and that Im past due on a loan I never even received. Im afraid this site is a scam or very sketchy one of the customer reps actually argued with me the interest rate was extremely high for just {$800.00}??!! And then to not even receive it the money anyway Im scared their gon na try to put this in collections & mess my credit up more. They arent even calling to say I owe just sending emails because the account is closed thats linked to the application I havent received the money they claim to not have gotten it back & since they cant charge that closed linked account theyre now saying Im behind on payments and this is attempt to collect a debt. Please help something about this site is not right.
Consumer complaint received 2023-02-10
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. (OH)

I recently discovered that my credit file has been used to obtain accounts fraudulently without my permission at the following companies : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Are you the original creditor? 
Have you given the debtor the opportunity to review the original contract? 
Have you validated the home address for the debtor? 
Have you complied with all FRCA and FDCP and FDCPA laws? 
Have you reported to the consumer who all has reviewed the original contract Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OR)

The private XXXX loan on all three of my credit reports XXXX XXXX, two of them, were taken out as indicated in XXXX. I XXXX in XXXX. I filed bankruptcy in XXXX which was awarded in XXXX and they were included. They are private not federal so the discharge was granted. They were sent a copy of the discharge and initially removed this from my report. The co signer XXXX XXXX passed away in XXXX. Shortly after than it appeared, then disappeared, and has reappeared again. This was discharged in a bankruptcy in XXXX, it is a debt that is over 13 years old, and should not be on my report. This is NOT a federal XXXX  loan, it is a PRIVATE loan.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (MO)

I've disputed a fraudulent open account " XXXX XXXX  '' from Experian & somehow, they've verified the information within a day of investigation. The address that's report is even wrong by the creditor. How is the information accurate? I demand this information to be removed immediately. I've submitted open documentations that verifies my personal information.
Consumer complaint received 2021-08-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I fell into financial hardship with my auto loan. I've called them and told them I'm going through a break up with my wife and then covid hit which left me unemployed with XXXX XXXX XXXX XXXX. They deferred a couple payments but didn't help me enough. I wanted to refinance my loan to get back on track and keep the only vehicle I have to transport my children and to find another job. They refused and would rather repossess my only vehicle. If you can avoid capital one auto finance I would advise it.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

In XXXX of XXXX, I received several fraudulent transactions on my Chase Sapphire card. After noticing these charges I called Chase customer service and was told explicitly by a customer service representative that I would not have to pay the charges. Subsequently, Chase closed my Chase Sapphire on XX/XX/XXXX due to the fraudulent transactions and consequently removed it from my XXXXXXXX XXXX  and other virtual wallets, but not before cancelling my request for a replacement Sapphire card. Moreover, due to its closure, my Chase Sapphire card was unlinked from my XXXX budgeting account and Acorns investing account on XX/XX/XXXX. 

However, beginning in XX/XX/XXXX, I have been receiving calls from Chase Customer Service regarding paying off the remainder of the closed account 's balance, which was then an amount of approximately {$540.00}. After several months of receiving these calls, keeping in mind that the aforementioned representative said that I would not have to pay back the fraudulent fees, I called Chase on XX/XX/XXXX. 

I conversed in depth with yet another representative and inquired why this closed credit card account - whose balance exceeded {$700.00} - was affecting my credit score. Paying back fraudulent fees would make no sense because I did not make the charges and I was given Moreover, throughout the conversation, I asked several times for my account number so that I could view the total, concise amount owed on the supposed " delinquent '' account. I unfortunately was not given that information even after verifying who I was via my social security number and email address.
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Good morning, My student loans were transferred to Mohela in XXXX and then I called Mohela to find out about PSLF one time review that Biden set-up ( not the $ XXXX forgiveness for students who have grants but a review to see if my entire balance may be forgiven ) and I was told it would be in my best interest to re-consolidate my loans. 

Following this recommendation, I reconsolidated and my loans were returned to Mohela on XXXX My PSLF payment count still shows zero and it has been 3 months. They have been telling me all along to give them 90 days to update my payment count. Now that it has been 90 days, they are telling me to wait 90 BUSINESS DAYS. This is ludacris. I know that they have a lot of loans to process, but I have spent hours and hours on the phone and no one can tell me anything except to wait. 

I little while back I was told that they started working on my loans forgiveness on XX/XX/ and to allow 90 days from that date. But there still hasn't been any movement on my loans, at all. My payment count still shows zero, and now they are telling me to wait 90 business days? Prior to consolidation I had almost 100 payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Can you please help me? I applied for the one time review prior to the deadline of XX/XX/ and I am becoming VERY concerned. This morning I did an online chat with a gal names XXXX and she couldn't tell me ANYTHING except to wait 90 business days. 

Warm Regards,
Consumer complaint received 2023-05-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (VA)

Garnishing wages in the sum of XXXX after collections was already taken by previous debt collection. Sent notice of garnishment to wrong address after the original company has new address and has not communicated since debt being written off, original loan company refused to collect collateral of debt and garnished wages instead.
Consumer complaint received 2021-06-02
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. (PA)

Hello All, This complaint concerns the three Credit Bureaus as XXXX, Equifax, and XXXX. 
All these years I keep all my balances very low. As low as possible. I pay off all of my credit card balances every month on time. Not even missed one! My credit utilization rate is 5 % or below that while, the standard recommendation is under 30 %. However, my credit score remains under 710 without any logical explanation to justify this result. I strongly believe that the three bureaus handle mistakenly this score, creating a deviated image from the normality which I would expect to be more than 740 for my case. It is of great significance to me that the three bureaus correct this abnormality and restore my real credit score because that affects my financial life. 
I thank you very much. 

Much appreciated, XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that a closed account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Experian and XXXX credit report : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date open for XXXX : XX/XX/2022, Date open for Experian : XX/XX/2022. Both are reporting different dates, I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 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.