davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN- XXXX I have been disputing this for several years and it keeps coming back verify for what reason I do not know this account does not belong to me and is fraudulent and was unauthorized without my permission I would like for this account to be deleted immediately for my credit report I have found a police report which is in the documents this account is fraudulent and does not belong to me XXXX
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I have student loans handled by Ed Financial Services. On XX/XX/2022 I called customer support to get my payment towards my loan made in XXXX of XXXX refunded. I was told I would receive a refund sent to the original payment method within XXXX days. After XXXX days and no refund, I called again, and I was told that there is no estimated timeline for my refund and that I will most likely not receive it before the forgiveness application window in XXXX. I asked to speak to a supervisor to discuss the issue, and I was told that there was no one available for me to talk to. They will not give me any more information of than that I will likely not receive it for XXXX or more months.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (PA)

XXXX XXXX XXXX placed eight accounts from XXXX XXXX XXXX on my credit report without ever contacting me to verify the bills. They used really old contact information and the wrong policy number. I called them ( XXXX ) and told her about the mistakes to which she replied ( XXXX ) that contacting me was a " courtesy '' and she was under no obligation to contact me prior to putting the accounts on my credit report. Hence, I was never contacted. Then, in a letter from the provider sent me dated XX/XX/XXXX, all charges where XXXX  out. Still, the collection items appear on my credit report ( XXXX XXXX and XXXX. ) In addition, Capio Partners placed three old collection items on my credit reports from yet another XXXX XXXX, XXXX XXXX. These bills dated back to XXXX and XXXX. Again they had incorrect contact info and policy info. I called their Patient Advocacy number, XXXX on XX/XX/XXXX and was told= verbally that they would remove the bills from the credit bureaus. They, too, still appear on my credit report. 

In XXXX, the same thing happened with another XXXX XXXX in XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Once again, they used the wrong policy number and contact information. I filed a lawsuit because they destroy my credit and just reaches a settlement with all parties involved. Once again these new incorrect items are on my credit reports and my credit has taken another hit. 

I believe that there is something wrong with how XXXX  XXXX  are conducting their billing and collection efforts. Three separate XXXX XXXX, all billing when I was inpatient, all had the wrong policy and collection information. What makes this especially suspicious is that since I was inpatient, all providers should have gotten billing information from the information given at the time of admission. During my three hospitalization ALL OTHER PROVIDERS got the correct information that was sent to the insurance company. Because I am XXXX XXXX, at least 90 % of the bills would have been paid in full because I almost always reached my out of pocket maximum in the first quarter of the year. 
Please let me know what needs to be done to rectify this situation.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (GA)

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 XXXXXXXX
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statebridge Company (FL)

I contact this company on several occasions and XXXX has also been disputed. I sent a letter to the Statebridge collection company asking them to validate the account, send me contracts, etc. Without any answer. XXXX tells me that this company has reported different information on several occasions. First the amount was {$7800.00} and now they reported {$15000.00}. They have also reported different open dates.It 's frustrating because I'm trying to buy a house for myself and my son and for this account I can't qualify. I have done everything to solve this problem. I communicated with XXXX and nothing. I need help. 

XXXX XXXX XXXX Statebridge Company Number # XXXX Reported by XXXX
Consumer complaint received 2023-05-06
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX A XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX,
Consumer complaint received 2022-01-20
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. (AL)

I signed up for a credit monitoring service last year and discovered multiple errors showing on my credit report. Multiple accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the original creditor. I contacted the FTC and followed the Identity Theft steps including filing a formal FTC report and putting a freeze on my Credit. Equifax has refused to remove this debt from my report causing me to have to repeat this process. I am providing information on these disputes. I am demanding these accounts be blocked from all of my credit report, due to the fact that they are not valid and/or they are not caused by me.
Consumer complaint received 2022-09-16
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: TRUIST FINANCIAL CORPORATION (PA)

Hello, I have been trying to get a SECURED CREDIT CARD for a while now. I first tried to get one from my Bank and they sent me a denial and a credit consumer report saying would have to call them to figure out why. I called them and sat on the phone to be told to email them. the email stated i had a XXXX XXXX debt to income. I tried signing up for XXXX and they said i couldn't sign up for security reasons. and finally XXXX XXXX says my records are not listed in the credit bureau. I have never had a Credit card before to build debt or credit and i dont owe anything to anybody and i dont receive any bills for stuff i didn't pay.Any help with this would be appreciated.
Consumer complaint received 2022-09-16
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. (MD)

15 U.S.C 1681 Civil Liability for willful noncompliance. In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses XXXX XXXX # XXXX dates open XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX Last active dates XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX # XXXX Balance trans {$780.00}, XXXX  {$800.00}, XXXX {$800.00}, Last report XXXX  XX/XX/XXXX, XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX open date XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last reports XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last active XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  # XXXX Last Reported XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX, Last Active XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  # XXXX Terms XXXX  XXXX, XXXX  XXXX XXXX Last Reported XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last Active XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX Last Reported XXXX  XX/XX/XXXX last Active XXXX XX/XX/XXXX XXXX XXXX # XXXX Last Reported XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, Last Active XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX Total Violations.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

ONCE AGAIN EXPERIAN IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.XXXX XXXX/XXXX NO.XXXX-XXXX XXXX XXXX, AND XXXX, XXXX XXXX.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (AR)

ONCE AGAIN XXXX  IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.COLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY XXXX, AND XXXX, XXXX XXXX.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit score keeps dropping very frequently on my trans union credit score. I been working hard on my credit score with  transunion to no avail. Im am not qualifying for any higher limit credit cards as a result of my continuously lowering credit scores. I monitor my credit scores on XXXX XXXX and on XXXX XXXX. Both show transunion scores. I have gotten a new higher limit credit card a few months ago and my credit utilization is pretty low right now. But yet I have not seen any increase in my credit score even with a lower credit card utilization rate. But yet my credit score keeps getting lower and lower. This is having an impact on my ability to qualify for higher limit credit cards. Im wondering if this issue can be looked into as I work so hard on my credit score only to see it continue to go down in the dumps. Thanks for your help.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

Having ongoing issues with Amazon thru Syncrony. Had an issue where I had to change my bank account a year ago due to my wallet being stolen. Went on immediately and entered in new account information for payment. Set up automatic withdrawals from the new account. Old account still available as a drop down, but take caution in always picking the right account for payment. Have gotten multiple calls from collections department at least 4 of the past 10 months. Synchrony will continue to ignore my chosen payment of new account, will charge old account and get bounceback from bank because that was closed in XXXX of last year. Ive called, gone on live chat and have gotten no assistance from synchrony. They regularly hang up on me or disconnect the live chat, making me have to start over. Ive spent hours and hours trying to get this resolved with no luck. Just days ago, I spoke to them, paid my balance of XXXX bucks in full ( w/ new account ) made sure that my auto payments came from the correct account and still got an email today saying they were contacting me about failure to pay. The absolute worst customer service ever- but the more alarming part if they continuously ignore payment agreements and charge any account they want. Then will charge my late fees on my account. Such a scam, do not do business with synchrony!!!
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

XXXX XXXX XXXX Accounts # XXXX XX/XX/2019 Balances {$660.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the XXXX office they are available ... thank you very much I hope solution immediatel
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

The current standing of the Federal student loan at XXXX XXXX is listed as open with a balance of roughly {$12000.00} on my experian credit report. The loan was transferred from XXXX XXXX to XXXX XXXX and was forgiven through the Federal student loan forgiveness program. The XXXX XXXX correctly indicates that the loan balance is {$0.00}. The XXXX XXXX account still shows the loans carrying a balance. 

I initiated disputes at Experian with accompanying paperwork showing the loan balance at XXXX XXXX in XXXX and XXXX of XXXX. No action was taken to clarify the Dispute. I also contacted XXXXXXXX XXXX on XX/XX/XXXX with the following : " From : XXXX Sent : Thu XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time ) To : XXXX Subject : Other XXXX XXXX My loans were transferred and closed at XXXX XXXX XXXX to Federal Student Aid for forgiveness, but on my Experian and XXXX credit report the XXXX XXXX  loans are not marked as closed. The last update was XXXX of XXXX. 

Please report these loans as closed to All credit reporting agencies As soon as possible, to avoid future legal action. 

Best Regards, XXXX '' the response was as follows : " On Tue, XX/XX/XXXX at XXXXXXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting XXXX XXXX. We apologize for any inconvenience this may cause. The U.S. Department of Education has changed the process of credit reporting when your account is transferred between federal student loan servicers. We will no longer close the current tradeline for your federal student loans, instead, the credit reporting file is now transferred to your new federal student loan servicer. Your account was transferred to the Public Service Loan Forgiveness processor on XX/XX/XXXX, and they would have received your credit reporting file within 90 days of your transfer. Please contact XXXX directly for further assistance. 

Thank you, XXXX XXXX XXXX We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 
https : //Edfinancial.com/emailsurvey '' I responded on XX/XX/XXXX : " From : XXXX Date : Tue, XX/XX/XXXX at XXXXXXXX XXXX Subject : Re : XXXX To : XXXX Hello XXXX, The loans were transferred, but there is no indication on my credit report that they were transferred from you to the other vendor. So it looks like the loans are still open at XXXX XXXX. There has to be another step to document the transfer of the loans and subsequent XXXX balance owed to XXXX XXXX. Otherwise it looks like I still owe XXXX XXXX $ XXXX even though the loan is closed and forgiven at XXXX. This needs to be escalated to management for review. 

Thanks XXXX '' No response has been received from XXXX at this time, additionally the disputes at Experian were not successful, thus the loans still show the {$12000.00} is owed to XXXX when there is a {$0.00} balance.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have issue a with XXXX XXXX XXXX that XXXX has issued a fraudulent charge to XXXX XXXX XXXX that I authorize at the purchase of appliances ( washer, dryer and vacuum ). All three were supposed to be charged to my XXXX XXXX XXXX XXXX XXXX. The vacuum was charged but the water and dryer was charged to XXXX XXXX XXXX card that I didnt knowingly approved nor use to charge for the appliances. 

I contacted XXXX XXXX XXXX for 6 months terminate this card and charged the total balance to my XXXX  cards and removed the fraudulent late payments and two 30 days derogatory late notices. They removed the late fees and 1 late notices. But refuse remove the one remaining 30 late payment on all 3 of credit agencies. They also refuse to allow me pay off the balance of the credit debt.
Consumer complaint received 2023-01-16
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. (ID)

I have uploaded and sent, fax, information under law about the fair act with the credit bureaus and the information is incorrect of accounts and inquiries that are not mines. And they haven't removed nothing.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I contacted PayPal today XX/XX/2022 after we noticed that PayPal had removed an unauthorized amount of {$1200.00} from our account.

After listening to their excuses for taking the money out of the account, we decided we do not trust PayPal with any of our information and called them to request to have our bank account information deleted. They refused. We then demanded that they remove and delete our account information and informed them they do not have our consent to have or use our bank account information anymore. They still refused to remove our bank account information repeatedly and then they hung up the phone on us. 
My complaint is that they have our personal bank account information without our consent and they refuse to remove it!!! 

If you could help us we would really appreciate it!
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AZ)

I purchased concert tickets online from XXXX, (no physical possession of tickets) concert rescheduled, XXXX  offers to resell tickets. I agree, they sell tickets and assist me over phone and computer with delivery of tickets. They email me confirmation of sale and delivery and pay me several days later. 39 days later they email me indicating my "sale was cancelled for failure to deliver". They want money back plus a fine of $XXXX.I've emailed, snail mailed and called several times and provided copies of email confirmation of delivery, they turn me over to collections. I contact collection agency and offer the same info, to no avail. Please help. I have all emails and phone records.Thank You
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC BANK acounts # XXXX XX/XX/2011 Balances {$2000.00} This account was closed and paid still in my report as a debt .... please invest immediately. Correct my report and eliminate all negative information