davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (PA)

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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Charge for {$61.00} to XXXX  was cancelled and never made - on XX/XX/2020 - spoke with Bank of America and they insist on holding authorization until XXXX  initiates refund. 
XXXX  said charge was NEVER made and Bank of America is in error and should release my funds. XXXX  even gave me a reference number ( XXXX ) for Bank of Americas use.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with this fair credit reporting act XXXX XXXX, XXXX # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (OR)

In XXXX, 2019 I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays of Delaware by phone to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring it.
Consumer complaint received 2022-11-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 other 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.
Consumer complaint received 2022-11-12
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. (PA)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX : {$4400.00}
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (NY)

I have paid the following fraud accounts out of my pocket not having knowledge of my consumer rights at the time of payments and creditor agreed to remove of my credit reports In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX/opened XX/XX/XXXX XXXX XXXX/opened XX/XX/XXXX XXXX/opened XX/XX/XXXX XXXX XXXX XXXX/opened XX/XX/XXXX XXXX U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a credit card in my apartment which I misplaced so Capital One voided the card and now refuses to issue me another one. I can not make payments on the card of what I owe because they say my card was voided. The place where I received the statements from Capital one at XXXX XXXX XXXX is permanently closed and the company refuses to send me statements to my present address. I have been calling up for two weeks with my new address but the card nor the statements never come. I sent in ID pictures on XXXX as they refused to let me post them on Capital One website. 

They say it is dangerous to write on XXXX but Capital One stinks and does not even give me an email address to write.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

A check was written out to my XXXX XXXX. The check needed to be signed by the Mortgage company ( XXXX XXXX XXXX  ). My roofer said he can get that signature faster as they do this kind of work everyday, and then he can give me my check back once it is signed by the mortgage company. 

Instead of returning the check to me, the roofer cashed it at Wells Fargo which is their bank as they told me. The check was not written out to the roofing company, it was written out to my company. 

I spoke to Wells Fargo and they said maybe it went through ATM. Maybe someone did not check the name of the company etc etc but they take no responsibility of putting that check into the wrong account. I went to my bank XXXX  XXXX XXXX and they said that the check should not have gone through, as it was deposited to the wrong company account.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I have sent Experian two requests for my credit report, the first via letter on XX/XX/XXXX and the second via a form on XX/XX/XXXX. I have not received my report.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX and I own a Platinum Store Credit Card with Macy 's for XXXX   USD. I have four separate items that were purchased with promotional interest-free for 12 months. Every single item was returned to the store yet Macy 's never removed the promotion from my credit card profile and when three promotions of the 12 months expired I got to charge a very high interest on the purchases that I had returned to the store months before. The first one that expired on XX/XX/2020 charged me {$430.00} in interest. The other two that expired on XX/XX/2020 charged my card {$700.00} in interest. I have been waiting for almost three months to have the issue resolved while they continue to promise that their back office is working on resolving it. One last promotion out of the four will expire soon and again they will charge it to my credit card. Due to Macy 's negligence my credit card is over the limit and is creating a negative impact on my credit.

Macy 's will not resolve my problem and I am desperate my monthly payment is outrageous. I need help I want all that money to be returned to my account is not fair since I do not have the items.
Consumer complaint received 2020-03-09
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: Experian Information Solutions Inc. (AR)

This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT ED/XXXX XXXX {$6000.00} DEPTEDXXXX  XXXX {$840.00} XXXX XXXX {$1900.00} XXXX  XXXX {$840.00} XXXX/XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$280.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX/XXXX   XXXX {$340.00} XXXX  XXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$4900.00} XXXX XXXX  XXXX {$740.00}
Consumer complaint received 2020-03-09
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX  XXXX {$620.00} XXXX  XXXX {$420.00} XXXX XXXX XXXX  XXXX {$230.00} XXXX  XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$450.00} XXXX XXXX {$92.00} XXXX
Consumer complaint received 2020-03-09
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: EQUIFAX, INC. (GA)

I bought a XXXX XXXX that is financed through XXXX XXXX in XX/XX/XXXX. Up until todays date, XX/XX/XXXX, Ive had my credit ran by XXXX XXXX XXXX for tv and internet services and for XXXX XXXX XXXX  XXXX. So that is a total of 3 different I quires to my credit from XX/XX/XXXX up until present time. As Ive been keeping an eye on my credit the past 3 months getting ready to purchase a home I notice a total of 87 hard hit inquiries on my report that I did not authorize. Ive disputed this information with equifax twice and was guaranteed it would all be fixed, but each dispute they refuse to correct the inquiries. Also, I have an eviction filed against me that was done in error which I have the documents from magistrate court showing it was dismissed but its still showing on my rental history background. Please help me so that I can purchase a home for myself and children.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

Hello and happy XXXX! Thank you for taking the time to help out, I really appreciate it! I wanted to please reach out because I had requested for my account to be canceled and closed so I can avoid the overdraft fees, however, due to my XXXX, the representative said that I have to physically go into a store, I explain to them XXXX XXXX, and how I am unable to go into a branch. However, now my account is completely overdrawn. Im trying to please bring a current, so its no longer in the negatives. However, I was charged quite a bit of insufficient funds fees. I am please requesting for a courtesy waiver on those insufficient funds fees. That way I can please bring my account current. Any help would be greatly appreciated! Thank you!
Consumer complaint received 2020-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT ED/XXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$840.00} XXXX  XXXX {$1900.00} XXXX  XXXX {$840.00} XXXX/XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$280.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX/XXXX   XXXX {$340.00} XXXX  XXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$4900.00} XXXX XXXX  XXXX {$740.00}
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (GA)

PNC Bank XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by PNC Bank. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2023-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC (VA)

About a year ago I received a letter saying that I had to go to court over a medical debt through Monterey Financial that I hadn't been able to pay in some time. I called the number and asked to make a deal to pay {$500.00} on the XXXX of each month and they agreed. The money started coming out on time. I needed to get a new card after having the number stolen and used all over the country. I had never received any communication from the people taking my money so I had no way to contact them. When the card was declined someone claiming to be, " XXXX XXXX, a compliance XXXX with the state of Virginia '' contacted me by phone and told me I was in non-compliance, and gave me a phone number to call. I called and corrected the card number, however no company name was ever given and they hung up abruptly. The money continued coming out as scheduled with the name " XXXX XXXX '' appearing on my statement with the number XXXX NC appearing after it. In XX/XX/XXXX I started trying to figure out who this company was and, after searching online, started seeing that it could be a scam. I contacted a law firm and they asked me to tell them the next time someone contacted me. I called the number coming up in my search for XXXX XXXX. It came up with a company who said they no longer had my account and gave me a different number. I called that number and they said they had never heard of me. I called the number on the statement and they gave me a different number where they were able to confirm the account, and how much I had left to pay. They said they did not send statements or any mail or email and would not. On XX/XX/XXXX I came up a couple dollars short so the card was declined. XXXX XXXX called me again, reminding me that I had spoken with him before. He gave me the number XXXX to call. I asked him the name of the company and he refused to tell me and said they would tell me. I called and someone answered saying, " This is XXXX. '' or a similar name. I said I had been given the number to call to correct an account. She took my name and we corrected the issue. I asked her what company this was and she said it was about the debt I had with the company. I said I understood but I needed to know the name of the company I was speaking with and she said, " XXXX. '' I reported the number and information to the lawyer who said it was connected to a spam number and I should contact the state 's attorney general.
Consumer complaint received 2019-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

XX/XX/XXXX I reached out certified mail XX/XX/XXXX they signed for it and I heard nothing from them XX/XX/XXXX they signed for another request and heard nothing from them and they didn't mark my credit report as a dispute I attached my credit report to show they are in violation
Consumer complaint received 2020-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (VA)

Complaint Against : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXAARGON Collection Agency ( XXXX XXXX XXXX XXXX ) Charges in DISPUTE : Annual Physical covered at 100 % under the XXXX XXXX XXXX XXXX XXXX Keeps billing me for covered service due to their billing system 's inability to code tests as preventive. 
Had more than 10 conversations with the billing department, Practice manager ( XXXX XXXX ), collections Agency ( to dispute charges BUT they keep calling ) ; ALL INVAIN. 

On multiple occasions, I had conferenced the XXXX XXXX Billing and XXXX XXXX XXXX, and myself to resolve this issue. 

On XX/XX/2019 I spoke AGAIN with XXXX XXXX who said that since they can not correct the billing issue she is going to write off the two amounts of {$23.00} ( doctor ) and {$98.00} ( Lab ). 

I have not had any confirmation to date and she is no longer taking my calls. I keep informing the collection agency that this debt is NOT MINE and they should send this dispute back to XXXX. They still keep calling me! 


This predatory practice seem to be the norm at XXXX billing as I have gotten the same complaint for my mother and some friends. It appears that the actual practice has no control over the billing department and the billing department would rather harass the customer than fix their billing software. 

I am filling this complaint on principal. Please investigate.