davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NJ)

An account was fraudulently opened in my name and has been causing a great deal of harm to my life ever since. This account has been misrepresenting my credit report for the last 3 years and has caused insurmountable losses physically, mentally, emotionally, and financially. I demand this account be removed immediately from my credit report as it violates my civil rights by showing misleading information to creditors.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (KS)

There were multiple accounts opened back in XXXX of 2016 under my name and information, that I NEVER opened myself for some place called XXXX, and for XXXX XXXX. Ive contacted this company in the XXXX  and they said they would be sending over their response but its going on a week almost two, of not receiving said documents.they are reporting these two accounts on my credit reports which show negative payment history, which is destroying my credit. These accounts are fraudulent and need to be immediately and permanently deleted from my credit reports ( XXXX, XXXX, XXXX ) and just as an added proof of my claims, I will be providing an Identity Theft Affidavit detailing my claims further.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have a mortgage that's serviced by Mr. Cooper. It is XX/XX/XXXX, and I still have not received a copy of the Form 1098 that reports the mortgage interest I paid in XXXX, even though the company 's website states that those forms are ready to view. I believe that I should have received it by XXXX XXXX. I sent a written inquiry about this to the company on XX/XX/XXXX and have yet to receive a substantive reply.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NJ)

I filed a complaint with the Consumer Financial Protection Bureau because Discover Card is repeatedly demanding monthly payments even though I am because of the coronavirus pandemic unable to do so! Today I received a very, very threatening e-mail from Discover Card that it will report me to the credit bureaus! THIS IS AN OUTRAGE! AND VERY UNPATRIOTIC AND UN-AMERICAN OF Discover Card. The International Revenue Services has pushed back the tax deadline from XX/XX/XXXX to XX/XX/XXXX! Discover Card can XXXX well follow suit! Discover Card is being cruel, insensitive, unsympathetic, and totally non-understanding! Outrageous!
Consumer complaint received 2022-01-24
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)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter 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 ;
Consumer complaint received 2022-01-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUEBILL, INC (FL)

I download the TrueBill app, and deactivated my account after 2 days. Since then they have taken money out of my personal checking account numerous times adding up to over {$500.00} in charges. I shouldn't have been charged anything, and if anything it should have been a one time small fee ( Under {$7.00} ). There isn't a customer service line. I've tried live chat, with no reply. I've tried social media and activating live chat on social media with no response. I've tried emailing, no response. I'm not sure what else there is left to do.
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Independent Recovery Resources, Inc. (NY)

XXXXndependent Recovery Resources herein IRR, was notified multiple time both by mail from the court, personal email, and by dispute with XXXX that the debt listed by their company was no longer valid and discharged in bankruptcy. Despite these notices IRR continues to inaccurately report this discharged debt as letting in my credit report.
Consumer complaint received 2022-04-14
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. (OH)

I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter 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 ;
Consumer complaint received 2022-01-24
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. (IL)

I did not consent nor authorize any person or company to benefit from my credit. As a consumer I requested proof of claim for the account listed below and the company failed to answer my request. 

Account Name. Account number XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CO)

American Express posted a payment to my account that was not initiated by me. I notified them immediately but was told nothing could be corrected until the payment was processed. The electronic payment from an unknown 3rd party bounced. I explained that it must have been a fraudulent attempt to steal that 3rd person 's money. Despite warning AmEx, they have sent me notices about my alleged bounced payment. I have lost certain card benefits and now charged a penalty interest rate ( although I pay my bill in full monthly ). Since this occurred on XX/XX/2019 I have had multiple telephone calls and emails trying to reverse this action for fear they would make a negative credit bureau reporting. I sent a detailed letter with attachments of all correspondence and form letters received on XX/XX/2019 asking for documentation about the alleged payment and that they acknowledge that the " bounced check '' was not from me. Other than paper form letters matching their prior emails, AmEx has not bothered to respond to my XX/XX/XXXX letter. I advised them that I would file a formal complaint is no response in 30. 

At AmEx 's suggestion, I changed the password on all my accounts and logins. There has been no similar incidents with any other of my credit cards or online accounts - only with AmEx.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-24
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Collection Agency, Inc. (CT)

Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

XXXXXXXX XXXX  was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX XXXX I submitted disputes to XXXX, Equifax in regards to ( 2 ) closed account XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) for inaccuracy and failure to send me the status of the investigation within 30days. I asked that you assist me in contacting XXXX and Equifax and have them removed the above said closed accounts. Thank you for your assistance in this matter.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Healthcare Collections-I, LLC (AZ)

I received a notification from my bank in mid XXXX that there was a change in my credit report. Upon pulling my free credit report I noticed that I have a collection listed from Health Care Collection INC XXXX XXXX XXXX XXXX AZ. They claim the XXXXXXXX XXXX XXXXXXXX XXXX XXXX was the original creditor form a visit 2 years ago. 

They never contacted me about it and gave a chance to rectify the situation. 

I paid the deductible and my company sponsored insurance paid all the cost associated with the hospital stay. So this new bill after two years is a news to me. I was never given a chance to address it.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I had a problem with the propel XXXX card from Wells Fargo. That credit card had a special program covering my purchases, airline tickets, etc. That program was covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX. It was just an insurance policy, but the feature sponsored by Wells Fargo Bank. According to the credit card 's terms and conditions all disputes were supposed to be resolved via arbitration with XXXX XXXX XXXX ( XXXX ). When I filed my dispute with the XXXX respondent refused to follow its own policy, terms, and conditions. The XXXX closed the case with demand to remove its name from Wells Fargo Bank terms and conditions. Wells Fargo Bank ignored that request and still publishes XXXX as the only place all disputes must be arbitrated.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (MO)

I was charged on a bank account that I didnt authorized. When I was doing transaction I went through an instant bank verification where I want the money taken out. But I was still charged on an account that I previously used but not authorized for the current transaction in question. It cause me an overdraft and payment.
Consumer complaint received 2022-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've continued to receiving notice that Transunion has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have XXXX Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but Transunion continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX  2. US Dept. of Education XXXX  3. US Dept. of Education XXXX  4. US Dept. of Education XXXX 5. US Dept. of Education XXXX  6. US Dept. of Education XXXX  7. US Dept. of Education XXXX  8. US Dept. of Education XXXX  9. US Dept. of Education XXXX  10. US Dept. of Education XXXX  11. US Dept. of EducatioXXXX XXXX XXXX. US Dept. of Education XXXX XXXX. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I have multiple charges taken out of my chase account and they aren't authorized nor do they show as completed transactions on my XXXX XXXX. I have done everything I can to try and get my temporary refund that I was promised so that I may pay my bills which are now all past due and have charge back fees, penalty fees, and late fees as a result. Not to mention ruining my credit over this. Not only do I keep getting lied to by the representatives in the claims department of chase about my claim, I also keep getting lied to about my replacement debit card