davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NY)

On XX/XX/XXXX I went to the emergency room in an ambulance under duress. I was released on XX/XX/XXXX. I started to receive bills from XXXX XXXX/XXXX XXXX XXXX totaling {$2900.00}. I did not believe I was responsible for these bills so I did not pay them. I called my insurance company and was assured I had a XXXX   patient responsibility for these Items. There were three separate charges as follows : XX/XX/XXXX- {$1400.00}, XX/XX/XXXX- {$740.00}, and XX/XX/XXXX- {$760.00}. I reached out to the XXXX XXXX after finding out I was placed in collections. I was told that my insurance company had denied the claims and they would not remove me from collections. After another call to my insurance company it was determined that XXXX XXXX had billed the wrong portion of my insurance and I again was assured I had XXXX patient responsibility. This was approximately XX/XX/XXXX. Now I called both the collection company Online Information Services and XXXX XXXX about this matter and both refused to remove me from collections while we sort this out. After placing numerous phone calls to all parties involved in the matter I was informed by my insurance company that a claims specialist had gotten to the bottom of this and it was sorted out. Now I'm still seeing this reported on my credit, and I called Online Information Services yet again and the last answer I got was that they're showing three accounts closed, but I still have three accounts open showing I owe them a debt. I explained to them that there were always only three accounts and this is impossible but now at this point they refuse to remove it from my credit.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

On approximately XX/XX/2022, I learned that XXXX checks from my company XXXX XXXX XXXX XXXX XXXX XXXX, in the amounts of {$9300.00} ( XXXX # XXXX ) and {$1100.00} ( XXXX # XXXX ) had been cashed from my business account, but the names of the payees had been changed from the payees I wrote the checks to ( and in the case of XXXX # XXXX the amount had been changed to {$2500.00} from the original amount of {$1100.00} ). I filed a fraud claim with Truist Bank. They told me that my cash could be tied up for XXXX days while they investigated the claim. This has put a serious cash flow hardship on my small business for an error that was made on the bank 's part. I am complaining about the policy of Truist Bank holding on to my company 's cash for a long period of time when the error was made was on its part. After complaining to my local Truist branch for over a month and having them contact the bank 's fraud department, I finally called the fraud department myself and was told that the paperwork was incomplete. No one had ever told me about any paper work to be completed. I completed and filed the paperwork immediately. I called the Truist Fraud Department today and was told that the investigation could take up to XXXX days, now XXXX days longer than I was told initially. I simply do not understand how Truist can hold up my company 's money for an error that it made, putting my business at risk. XXXX 's motto is " We've Got Your Back. '' In my case Truist is stabbing my company in the back. The bank just clings to its stance, saying " this is the bank 's policy. '' It is a poor one.
Consumer complaint received 2023-05-09
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've corrected this doubtful data multiple times by submitting letters to the 3credit bureaus. I will file a lawsuit against you because I think you failed to validate these enquiries, in violation of Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm bringing it up again. Please get rid of the following questions right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-10-05
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)

The original Creditor has reported to the credit bureau by 2 different names : XXXX XXXX XXXX and XXXX XXXX. the date I voluntarily surrendered the vehicle due to not even having it less than 6 months and had an electrical issue first and then an air conditioning issue. The debt originated XXXX and should have long been removed in XXXX. I have disputed this numerous times with Experian only for them to continue to deny my request to have it removed and they update my credit report which remains in my dispute. I have disputed this same company with XXXX and XXXX as well. 

PER Nevada Statute : In Nevada, debts based on verbal contracts, agreements made orally for the purchase of goods or services, have a statute of limitations of 4 years while written contracts have a 6 year limitation period.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2019 I applied for a Secure Credit Card, application # XXXX for {$300.00}. The amount was to be debited to my checking account and credit the credit card account. I applied for this secure card using my own money in the checking account to be able to build my credit. But the application was denied. I visited the banking center where I applied for the credit card from and was told the card was denied. I received a letter several days later and I again visited the bank and I was told the bank does not issue secure card any more effective from XX/XX/2019. I explained, I applied for the card on XX/XX/2019 so it does not affect my application and no solution was offered during my visit.
Consumer complaint received 2020-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (IL)

There was a medical bill that was covered by Department of Human Services under my insurance, I've contacted the  hospital and the insurance company who agreed that the medical bill was covered. 

If the hospital failed to submit the bill to the insurance company last year, that's not my fault. 

Below is the insurance I had at the time and currently have now. 

XXXX XXXX Member number : XXXX Id number : XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

in accordance with the fair XXXX XXXX  act XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH ()

Hello sir My name XXXX XXXX and I have got union bank credit card .credit card number is XXXX.this credit permanentlly closed month of XX/XX/2019 and pay full credit limit balance but this card payment due to continued till dated and 12 missed out payment show my credit score and my credit score impact due to this union bank credit card plz checked and correct information provide to credit card beuro report
Consumer complaint received 2018-03-03
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. (LA)

I set up my month payment via my check account, as a I do each month. XXXX XXXX XXXX ( card services ) pull the {$50.00} payment that was due on XX/XX/XXXX, on XX/XX/XXXXfrom my checking account and then in the month of XX/XX/XXXX, placed a 30 late on my credit report, as if the payment had been made 30 days late. I called in and ask about the matter and was told, that the only thing they could do to correct the matter was to adjust the late fees. The month prior to this call, I called in and asked why I was making my payment each month and the balance would continual to increase. Keep my credit card over it's limit and making me unable to use the card for any goods or services and the balance was increasing more and more each month. XXXX has a system, that adds {$35.00} late fee, to your account, if the payment has not been processed by a certain time on the XX/XX/XXXX of each month EST. The late fee is often more than the monthly payment and triggering a balance increase each month, after the payment has been made. Therefore, placing the consumer deeper and deeper in debt, without any usage of the card and enriching XXXX, with free monies each month from excessive fees. 

I called and spoke with XXXX about the 30 late fee and was told in short that, the only thing they could do to correct the matter was to adjust the late fees on the payment. They have no idea of where the payment that was taken from my checking account, was routed to or credited to. This is very unprofessional and XXXX is unwilling to assist in correcting the mistake that has been made by their account program/system.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Consumer complaint received 2021-06-03
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. (CA)

I checked my credit file with the three main bureaus : Transunion, XXXX and XXXX  and I noticed I have a lot of unauthorized fraudulent inquiries on my credit file. I did not give these companies permission to access my credit file. I filed an identity theft report with the Federal Trade Commission, I need these inquiries deleted immediately from my credit file. According to the Fair Credit Reporting Act these fraudulent accounts must be removed within five days of my request
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

my mortgage payments are {$78000.00} a month we had a bad few months, so i was paying {$700.00} a month and 4 months, later Huntington bank was trying to foreclose on our home with letters, i could not figure out what was happening, so i called them they had told me i had not been paying my payments, the 3 {$700.00} payments, just sat there, the XXXX, mi branch took my money, and all was good, then when i talked to them oh they had to tall XXXX oh, because they did not take care of that any more, i talked to a XXXX in the XXXX mi branch, he has yet to even call me back and get this straightened out, so i dealt with XXXX oh and finally got back on track, they said because i was not paying my payment in full they could not apply it to our acct,????? really, they actually mailed 2 check from Huntington bank in XXXX and XXXX back to us, instead of applying the, so they finally after my calls canceled them and once i pd {$86.00} on XX/XX/XXXX they applied one payment, then on XX/XX/XXXX i pd another {$170.00} they applied 2 more and then i pd {$780.00} plus {$100.00} late charge and they applied that one, the XX/XX/XXXX payment of {$700.00} they pulley out and reapplied that one, so finally on XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX payments got applied .I still owe for XX/XX/XXXX payment, every month because they wrote us up in the credit bureau and have ruined our credit, over not applying that money to our acct.i think they need to be fired for screwing peoples lives up, i will never recommend this bank to anyone, and i feel they need to correct this,. computers are only as good as the person putting in the info., i have never heard of a bank refusing money, because they can not apply to the balance, crazy.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (AR)

THIS IS NOT A DUPLICATE!!!! 
THIS IS A RESPONSE TO XXXX XXXX XXXX RESPONDED BACK TO MY COMPLAINT MADE ON XX/XX/2022. XXXX STATED THAT THEIR CORPORATION REGIONAL ACCEPTANCE HAD PERMISSABLE PURPOSE TO USE MY SOCIAL SECURITY NUMBER TO PULL MY CONSUMER REPORT. From my understanding if there was no written consent for your corporation to use my XXXX information. That is a VIOLATION of privacy. You also stated that I gave the dealership permission. So there for your corporation did not get permission and the car lot ran my credit there at the lot. Then I started receiving emails and notifications from numerous of banks including yours. This is called unauthorized use of my social security number. Then you said the automatic system declined asap. So in other words you're telling me that your corporation don't do your job. What happen to the underwritter and also finance managers when it comes to car deals? You stated that I needed to work on my credit. According to 15 Us code 1691 my credit does not and can not determine the decision made in the Consumer credit transaction. This is also A violation and credit discrimination. If you look at 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) statement of specific reason basically the reason for the adverse action is discrimination due to the fact that a person with a XXXX XXXX of XXXX gets approved and a person with a XXXX doesnt. So the specific reason is in fact insufficient. Due to the fact that a XXXX XXXX or debt can not be used as specific reason. So what is the specific reason for the denial? This is also a violation of the XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$400.00}. 
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 ) 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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Consumer complaint received 2019-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC (CO)

I had this loan for about 2 almost 3 years my income changed around XX/XX/XXXX and had issues keep up with the payments. that's when the calling and emailing started they would contact me every hour by email and phone about my account I told them over the phone and by email they they no longer have my permission to contact me by my cell phone or email. I told them they can correspond by mail. they stopped for about 6 months and began to call my cellphone again around XX/XX/XXXX leaving messages for my husband when I told them not to call my cell it was distraction at my job. I had not gotten anything in the mail for the last 3 months. I've tired calling but the line disconnects each time a associate comes on the phone and they continue to call my cellphone leaving messages for my husband when they have is number leaving voicemails on his cell as well. When I asked to refi my loan when my income changed they refused.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I have a situation where Home Depot is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.
Consumer complaint received 2023-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

There are some fraudulent collections on my credit that are not mine I spoke with the credit bureau and they told me I needed to file a complaint with you guys in order for them to be removed. One of the collections is from " XXXX XXXX XXXX '' for {$140.00} And the other collection is from " spring oaks capital LLC '' for the amount of {$730.00} dollars