davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aequitas Capital Opportunities Fund, LP (TX)

XXXX XX/XX/2018 received billing statement from " XXXX '' for {$0.00} dollars. This is similar to a credit card account. Problem is I did not sign up for this service. The service acts as a Health Care Credit Card account and collection ( including interest penalties ) for XXXX XXXX XXXX XXXX XXXX in XXXX Texas and surrounding area. I did not sign up for this service and immediately called ( XXXX ) and talked with " XXXX XXXX '' and told him I did not sign up for this service and cancel it immediately. XXXX said he would cancel the service. XXXX said he was aware I did not sign up and it was done by XXXX XXXX XXXX XXXX XXXX and in connection with XXXX Bank. I told him I did not appreciate the attempt by both the aforementioned to enroll myself in an account that I did not want nor believe is in anyone 's best interest and that I was filing a complaint with the CFPB.
Consumer complaint received 2018-09-27
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: CORELOGIC INC (GA)

I've reached out to CoreLogic Credco twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by CoreLogic Credco
Consumer complaint received 2022-05-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is XXXX  to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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.I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account 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 Date Opened : XX/XX/XXXX Balance : {$18000.00}
Consumer complaint received 2018-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

For the second time this year Paypal allowed a stolen debit card of mine to be used for fraudulent transactions. 

One time is understandable, but twice is either negligence or policy. 

I was notified by my bank on XX/XX/XXXX that my card was used via paypal twice for {$100.00} each. There were several more attempts made but they were able to block the use of the card. 

I contacted paypal regarding the issue and they claimed the card was swiped in XXXX ohio for the transactions and they would not refund the charges. 

I was not in XXXX ohio on the XXXX and have not been there for over 20 years and the card was never out of my possession. 

They basically said I was lying and they would not do anything about the charges. 

Like I stated above back in XXXX of this year they stole {$1300.00} from me and took over 2 weeks to give it back. Since I dont have a paypal account they were more worried about their customer being upset than the money they stole from me. 

Again, I have the card, it nor I was ever in XXXX. They continue to show that they make money off of the fraudulent charges and they dont care that non customer victims are being screwed by their incompetence. 

Here are the details of the transactions : Card # XXXX XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as XXXX XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00} XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00}
Consumer complaint received 2022-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (NY)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account # XXXX listed under Amerassist AR Solution and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do-not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sortis Financial, Inc. (IL)

Company : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tx, XXXX Several Phone calls made to company trying to resolve. Sending certified letter today. Company has listed amount owed on my credit report, {$15000.00}. Amount was discharged in my bankruptcy. Company I assumed purchased debt from the company I owed this amount to after the bankruptcy. Repeated calls from companies representatives or agencies affiliated with this agencies, trying to verify my location or property owned.
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to XXXX XXXX XXXX back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called trans union and XXXX yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call XXXX because they never received any information on this loan and it was out of their hands. I called XXXXXXXX XXXX XXXX back the same day and XXXX basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a XXXX named XXXX at XXXXXXXX XXXX XXXX and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at XXXXXXXX XXXX XXXX named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I googled XXXXXXXX XXXX XXXX and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!
Consumer complaint received 2022-12-16
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. (OH)

I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2018-09-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX  so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
Consumer complaint received 2024-03-08
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 2022-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called to explain that this debt was not mine. Not only was I never contacted about the debt beforehand, but I had medical insurance through my employer and my doctor 's visit was covered 100 % during the time of the " original '' debt. The rep was very nasty and ended up disconnecting the call while I was attempting to explain the information.
Consumer complaint received 2021-11-20
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please delete remove the unknown addresses.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MN)

The written notification of the debt from Online Information Services says that you can dispute this debt electronically at www.online is.com. When I went to dispute that debt electronically and filled out their form, it repeatedly said there was an error and to call the number listed. I tried to dispute this debt 4 times on different days, times and computers and got the same message each time. When I finally did call the company ( they now have my phone number because I called them and they have caller if- which they didnt have previously ) it connected me with a debt collector. This is clearly misleading and a scam to get you to talk to them directly. ( Which I saw through right away ). Also, the website that I logged into said that the date of service for this debt was XX/XX/2018 but the debt collector gave me a different date. And she did not have a copy of the letter that they sent me about the debt. The information they had on file was different from the information they sent me in the mail.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The credit reporting agency is still showing a balance of {$140.00}. I have no balance with XXXX XXXX. I owe a XXXX balance with this creditor I have a receipt to prove I own no balance.
Consumer complaint received 2017-10-28
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I received a report from XXXX system where chase reported my account as account abuse. This is inaccurate. My information was stolen and I decided to not use chase anymore. I would like to have this remove from my report. What are the steps needed?
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My daughter ordered some underwear using my credit card. For some reason XXXX has been charging my credit card XXXX every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only XXXX. Now I ca n't get my money back and I have paid XXXX on the XXXX of every month for nothing.
Consumer complaint received 2019-11-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (AZ)

Ad Astra is trying to collect a debt of XXXX $ for XXXX. When I called them, to negotiate a Settlement, they told me they are not allowed to contact me, which is untrue. 

After I filed an initial complaint against XXXX to negotiate a Settlement, BEFORE the account went into Collection from XXXX   to AdAstra, XXXX falsely claimed, that they made me a Settlement offer for 10 payments of {$40.00} to settle the account. I never received that offer and XXXX claims that they sent it by email exactly on the day I filed my CFPB complaint. A obvious lie On XX/XX/2019 I received a letter from Ad Astra that states I had disputed the account, another clear lie. I sent Ad Astra 2 letter and asked them to honor the alleged settlement offer from XXXX, so I can start making payments. Needless to repeat XXXX lied about making the offer and wanted to get the account into collections. I never had a chance for a settlement. My research shows, that AdAstra was sued numerous times for their shady business deals.
Consumer complaint received 2022-10-13
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. (NC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I
demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Contact info Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number None provided Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (PA)

I noticed the reporting on my credit report back in 2021 and i thought it maybe due to error so i disputed the collection and it came back verified and i requested the steps of verification because i know i dont owe the debt and am not familiar i never received any of documents of steps for verification only a copy of a bill which isnt allowed and violation of my hippa rights i believe it may be due to fraud of identity being used i request on these basis it be deleted and hasnt i demand this be deleted off my credit file and to stop causing me negative damage to my finances.
Consumer complaint received 2022-05-23
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)

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX