davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

DEPT OF EDUCATION/XXXX Account number XXXX {$4100.00} DEPT OF EDUCATION/XXXX   Account number XXXX {$1000.00} DEPT OF EDUCATION/XXXX Account number XXXX {$2400.00} DEPT OF EDUCATION/XXXX Account number XXXX {$6000.00} DEPT OF EDUCATION/XXXX   Account number XXXX {$3500.00} DEPT OF EDUCATION/XXXX Account number XXXX {$5500.00} These accounts were DELETED AFTER A 30 DAY INVESTIGATION and was recently reinserted without a five day notice, according to FCRA is governed by FCRA 611 ( a ) ( 5 ) (  B ) my rights have been violated.
Consumer complaint received 2020-03-04
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (FL)

XX/XX/XXXX - BMW was repossessed while making payments and trying to catch up, BMW didn't want to work with past due amount, repossessed vehicle 1 week after last payment. 

XX/XX/XXXX - Past due balance on vehicle is {$2300.00}. Amount required to reclaim vehicle and personal property from vehicle due to excessive fees is {$4200.00}. BMW refuses to work with me or lower any " fees '', charging almost 100 % to recover the vehicle and personal property. 

XX/XX/XXXX - Had to pay entire {$4200.00} at great personal hardship and expense, diverting funds away from mortgage and tuition in order to recover car and pay BMW 's almost 100 % fee. 

XX/XX/XXXX - In addition to a BMW separate {$850.00} " repossession fee '' that I was told was paid to the repo company, I was just informed that I will still have to pay the repo company a separate {$500.00} fee. So there's a double dipping repo fee - {$850.00} to BMW and {$500.00} to the repo company, for a total of over {$4700.00} on a past due {$2300.00} balance.
Consumer complaint received 2022-12-27
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. (TX)

XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING
Consumer complaint received 2022-11-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have complained about this reporting of my medical bills Surprise Act of 2022 says they should not be reporting medicall bills over XXXX. These medical I don't know who Is the reporting company. Their is no name, I have attached a screenshot of the report.
Consumer complaint received 2021-09-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm completely stressed out from false information that continues to be reported to my credit report by XXXX XXXX, and TransUnion! There was absolutely nothing done or changed from my dispute that I sent to all three of them on XX/XX/2021! I did NOT receive any results from any investigation and that is a FCRA violation!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their refusal to honor my opt-out request dated XX/XX/year>, pursuant to 15 USC 6802. 

On XX/XX/year>, I submitted a written request to XXXX XXXX XXXX to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, XXXX XXXX XXXX has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with XXXX 's customer service representatives, the issue remains unresolved. 

XXXX XXXX XXXX ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with XXXX, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX XXXX complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.
Consumer complaint received 2022-01-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been XXXX XXXX twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Consumer complaint received 2022-12-27
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
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: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with Equifax, They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-09-07
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. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Consumer complaint received 2020-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/XXXX XXXX XXXX XXXX the company has inquired on my credit report unauthorized letters has been sent advising of the issues but I have not received an response
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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 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
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got XXXX XXXX from my job in XXXX of 2022, I gave my payments till XXXX. Then after that I wasnt able to give my payments anymore. Its been very hard on me I tryed calling capital one and letting them know my situation but they didnt care to want to help me in any way. The gave me a 3 payment plan deal settlement my payments are of {$94.00} dollars and k cant afford that its too much money I dont have. Can u please help me
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

My name is XXXX XXXX and I have an account Wells Fargo Bank # XXXX. I have received my IRS refund checks for the XXXX & XXXX, in the amounts of ( {$56000.00}, & {$27000.00} ) on XX/XX/XXXX and deposited them on XX/XX/XXXX in Wells Fargo, the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX GA XXXX. 
When I tried to access my funds, the bank informed me that my account was closed and that it was transferred to the Lost Prevention Department on XX/XX/XXXX. I have been contacting this department for over a year to get more information, and to resolve any issues that might have caused this, but they indicated that the IRS have requested these checks back and they are not able support this claim with any documents. 
I have also contacted the IRS on numerous occasion to get information on why they might have requested these checks back from the bank. I was informed recently by an IRS customer service Agent # XXXX explaining that, if this was a paper check the IRS will contact me directly for any problems, they would have not contacted the bank for that. Also according to the Bureau of Fiscal Service Agent #  XXXX that these checks were cleared on XX/XX/XXXX. 
The bank is refusing to send any tracking information as to where is the money went after being cashed, or any documents to support their claim.
Consumer complaint received 2022-12-27
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I deposited a check for {$1700.00} on Wednesday XX/XX/19 through the Fifth Third App. When I checked my account on Friday the funds were not available for me to use. When I called my Fifth Third Branch XXXX he advised that the check is placed on hold until XX/XX/19. He tried to escalate the issue and release the hold but he said it will not allow him to due to " reoccurring overages ''. Anytime I have over drafted I paid a fee of {$37.00} so I do not understand how they can punish me by charging me the overdraft fee, and then hold my funds without any communicated notice. I just do not understand how they are allowed to hold this transaction for nearly two weeks?! 

Any assistance with this would be appreciated.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Around XXXX I opened a new credit card with chase for {$5500.00}. On XXXX they allowed my account to get almost to {$7000.00} and i was under the impression my limit was increased because i was able to make purchases without any declining. when i got my statement for that month i saw that i was over the limit and that i have to make a payment for all over the limit balance asap. i called them and they just told me that they allowed the transaction even though my limit wasn't increased and that i need to pay. i was so mad and i did not paid. then i start receiving letters and calls to my job to my cell phone to pay and my credit started to get bad and around XXXX i did an agreement with chase to pay in a monthly basis {$130.00}. in XXXX i paid instead the XXXX the XXXX and then i received an alert from the credit bureaus that the account has been charged off XX/XX/XXXX. 2 days after the due date of the payment. How they are going to charge off an account just 2 days after the due date without any notification and in top of that accept a payment when supposedly an account has been charge off? now they are reporting my account every month late since XXXX when they received every month the payment for {$130.00} as per agreement. now my credit will be jeopardy and I'm in risk of loosing all my good accounts when creditor see this bad remarks from XXXX. 
Please i need help.
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (GA)

XX/XX/2020 My spouse reached out on my behalf to gather more information about a debt that had appeared on my credit reports. She asked for a debt validation letter to be emailed to me and also for a reduced amount on the original balance being owed. The letter received was not a debt validation letter. Only a pre-filled letter that stated that Midwest Recovery was collecting on the debt and the amount. 
XX/XX/2020 A letter was issued on my behalf requesting a proper debt validation letter for the medical bill Midwest Recovery was collecting on. Asking for more detailed  information to support their claim I owed the debt. I also reported the information on the credit report asking the credit reporting agencies to prove the information was accurate. 

XX/XX/2020 Another call was placed asking about the debt. A conversation with Mrs. XXXX took place notifying me how it was past the 30 days on the information being requested and that she'd reach out to Mrs. XXXX, the supervisor and the one the request for reduced payment was made with. 

Original Debt Validation Letter was issued the XX/XX/2020 and has gone unanswered and unable to provide proof the debt is valid. Requesting the collection to be closed and removed from my credit reports. 

Attached is the letters exchanged between the parties.
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NC)

{$11000.00} of unpaid medical bills are still showing on my credit report.. i had XXXX  XXXX as well as NC state XXXX  at the time of all these bills were sent out. The state of NC failed to pick up payment and its affecting my credit report
Consumer complaint received 2022-12-27
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Convergent Outsoursi keep reporting to the 3 credit bureau that I have owe them {$2500.00}. 
I have disputed with them several times but they keep updating it in my credit report. I do not owe them anything.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a credit card account with Capital one since XX/XX/2014 my payments were always on time. I don't really use the account much anymore. 

I was taken aback when I got a notifictaion from that a new late has come on to my credit file. I checked to see what that may be and saw a late reporting from Capital one I immediately called  Capital one to find out what this was. They informed me that this was for the annual fee. The issue is I have not gotten any bills via mail or email to notify me about this charge. I would have no idea that I owe anything if I don't get a bill. 

I haven't used the card in months so I wouldn't just randomly check on an account which I do not use.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

This is for an XXXX I did that was supposed to be covered by my insurance but the employee didn't take my information down correctly. Now I'm left with a huge bill that should of been covered by my insurance. I've already paid off the true amount I owe but they still won't take me off their computers as paid.