davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
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. (UT)

I have filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX//22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted from my credit report.
Consumer complaint received 2020-03-16
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. (OH)

I filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX of XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with TransUnion file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

So I lost my wallet with my debit cards, Id, and social security card in it and phone with all my information inside it and on the XX/XX/2024 Money started being taken out of my account XX/XX/2024 and ended on XX/XX/2024 I ended up going to XXXX  on XX/XX/2024 and there was nothing that I could do about that someone was using my identity and had access to my account I didnt get out of XXXX  until XX/XX/2024 this my second time reopening this same claim and they are not properly investigating it I have documents that I was in XXXX  and I also filed a police report for the claim and the situation that is going on. XXXX $ was withdrawn from my account and I dont feel like Im being helped out about anything .this wrong I asked can they look into the atm footage they mustve not did it
Consumer complaint received 2020-03-28
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. (TN)

HAVING ALREADY STATED THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS AND PUTTING A BAD LOOK ON MY CREDIT PROFILE AS A WHOLE
Consumer complaint received 2020-03-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Dear Sir : I am a customer at the HSBC Bank at XXXX XXXX XXXX, XXXX New York XXXX and am opposed ti the closing of this branch This branch has been in existence in this area for over twenty years. This is the only HSBC Bank in XXXX that has free parking space for it customers unlike the bank in XXXX XXXX, XXXX XXXX XXXX that has a municipal parking lot or the bank at XXXX XXXX XXXX or XXXX XXXX XXXX ( branch is closing ) that only has street parking and the time that is wasted in trying to obtain parking and the fear of a parking ticket if your transactions in the bank are longer then the time on your meter. The other banks that are totally inconvenient to the customers in this area are in XXXX, not in XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on the east side of XXXX. 

The branches listed above are a radius of four to six miles away from the HSBC located at XXXX XXXX XXXX. By car it is at least a 15 minute ride and by public transportation at least an hour. This is an inconvenience to loyal customers who have banked there for years because of the close proxcimity of the bank and their drive-in window for those customers who may have a XXXX or need for quick banking without leaving their car. Another factor is this is the only branch in XXXX that has a drive-in window and people come from all over because of its convenience. It also provides a banking facility for city workers in the areas and people who shop here and do their banking while they shop. 

The closing of the HSBC Bank at XXXX XXXX XXXX XXXX will cause a hardship to many of us who have banked in this area and have been loyal customers who do not wish to be inconvenienced or find other banks for our money after so many years of banking in this branch. 

The staff in this bank have always shown professional courtesy and consideration to me in making sure that all of my banking transactions have been met and I would surely miss this attention. 

Yours truly,
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (FL)

I've contact the westlake financial when I discovery someone else used my information to get a loan, they make a late payment and my credit report was coming down, I had so many phone calls also I sent an email requesting an evidence about that transaction, nobody answer my email, just today XXXX someone else contact me since XXXX
Consumer complaint received 2020-03-28
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)

I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.
Consumer complaint received 2020-03-16
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. (IA)

XXXX XXXX  # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OR)

The best way to make a point to the best of all the Wells Fargo account for the last 5 months of this year and I have to say that it took me a bit to find a problem with the bank account wasn't enough money to pay and then Wells Fargo had to go and pay for the bill and they had charged me for overdraft and they had been paid by me and I was charged for it by the time I got it XXXX I am on fixed in
Consumer complaint received 2020-03-28
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-28
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

On XX/XX/2022, I mailed a check to Citi deposit department to deposit a check of XXXX from my XXXX  account. XX/XX/2022, the check was not cashed and I called Citi. Citi agents told me they did not receive my check, so I requested them to close my account. XX/XX/2022, the check was posted from my XXXX account and the transaction date was XX/XX/2022. I called Citi and asked where is my XXXX. They told me my account was closed on XX/XX/2022, so the check was not processed successfully and suggested me asking XXXX where is the money. I called XXXX on XX/XX/2022 and went to XXXX branch on XX/XX/2022, I was provided the document that money was cleared and released to Citi bank. I kept calling Citi from XXXX asking for the money. I was told my check was never deposited successfully. I got a statement on XX/XX/2022 dated XXXX, with XXXX balance and no transaction. I recoreded XXXX of the agents names I talked to XXXX, XXXX id # XXXX, Ref # XXXX, and XXXX claim # XXXX.
Consumer complaint received 2021-03-21
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. (CO)

I have been trying to get a vehicle loan account taken off my credit as its stopping me from future purchases. The reason behind wanting it removed is because the account has been closed and all balances waived however its reporting to credit bureaus as past due XXXX and over 180 days late. I filed thru the credit bureas for a dispute however experian keeps saying account was updated but changing no information i even went as far as attaching the form that credit acceptance sent me showing its been credited amd now have a XXXX balance. I meed this taken off my credit as it should be so i can move forward this is in refrence to the credit acceptance collection woth XXXX  last reporting a balance around XXXX and showing 180+ days past due the account was waived so should be completely removed due to car being retuned due to dealer contract error
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2522per the FTCs recommendation I reported multiple fraudulent transactions occurring on XXXX credit cards to Chase Bank. The FTC ruled them fraudulent since the company involving the transactions is a scam and stole copyrighted source code and used that code to build their program and sell it as their own. Chase canceled the cards and placed temporary refunds on each account. They said they would investigate and contact us with their decision. On XXXX and XX/XX/22 respectively they reversed the refunds with no explanation and I have yet to receive any updates as to their decision on the investigations.
Consumer complaint received 2022-12-31
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: Fidelity National Information Services, Inc. (FNIS) (TX)

In Accordance with The Fair Credit Reporting Act 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 Acts Has Violated My Rights XXXX 

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 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently noticed that Experian had added an ( AKA ) name, XXXX XXXX XXXX, I am not now nor have I ever been XXXX XXXX XXXX. I have never been known or called anything other than my name which is XXXX XXXX XXXX, short for XXXX XXXX XXXX. Rather than back up or prove their erroneous action they insist I prove my innocence. Exactly how does one prove they have never gone by a different middle name? This is absolutely ridiculous
Consumer complaint received 2020-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (OH)

This company is asking for money that is not owed. I never had a sprint. I do not know where this is coming from. My guess is identity theft. XXXX was contacting me and I told them the same thing. Again I deny this debt.
Consumer complaint received 2024-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit International Corporation (GA)

I am writing to bring to your attention serious violations committed by Credit Service International Corporation in their collection practices. On XXXX, I received a notice of collection from Credit Service International Corporation, which admitted to sending the notice well beyond the mandated timeframe of 5 days after commencing collection efforts. 
Furthermore, the notice falsely indicated that the collection was initiated by the original creditor. As a consumer, I have not entered into any agreement with Credit Service International Corporation, nor have I received any verification or proof of the alleged debt owed to them. This egregious misrepresentation violates the Fair Debt Collection Practices Act ( FDCPA ) and places an undue burden on me as the consumer.

I demand that Credit Service International Corporation immediately cease all collection activities related to this matter and remove any derogatory remarks from my credit report. This is not the first time I have had to contest their actions, and if this issue is not rectified promptly, I will have no choice but to pursue legal action against Credit Service International Corporation for their repeated violations.

Enclosed with this letter are copies of the correspondence from Credit Service International Corporation, as well as any relevant documentation supporting my claims.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Credit Service International Corporation to ensure compliance with consumer protection laws. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-03-28
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, President Donald Trump declared a national emergency. I live in New York, and the number of cases in our state had already started to rise rapidly. I'm a high-risk individual who has XXXX, so I have been staying inside pursuant to Governor XXXXXXXX XXXX orders since XX/XX/XXXX. I'm an XXXX  who owns a XXXX XXXX, and I closed down my operations temporarily. I have not been able to afford to make payments on my credit cards. Both of my credit cards are with Chase. On XX/XX/XXXX, I first called Chase to ask if they could give me a forbearance on payments or a break on the interest rates charged. They told me they would call me back with more information. By XX/XX/XXXX, I had not heard from Chase. I called them, and they informed me they could do nothing for me. They wouldn't help with forbearance, or anything else, despite the fact that other credit card companies are providing forbearance to their consumers. We're in a time of national crisis and just passed a {$2.00} XXXX bill because our government knows how much we're struggling. I don't even know if I'll be able to feed myself next week, and yet can not get a simple forbearance from Chase on my credit card payments. This is outrageous, Chase must be stopped.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc. (TX)

As, I was signing up to the gym, the employee never stated to me that I would be stuck in the contract. I had believed that it was like XXXX or XXXX XXXX where you cancel when you no longer require the service. I moved away back to Texas and did not send the paperwork in time and my account was sent to collections. Please, understand that I am trying to regain control of my credit. I am still living in Texas and would like to know what I can do to fix this. I am trying to make amends and move forward positively. I have not been able to find much stability over the past few years and would like a chance to begin a new. Currently, I am looking for work and am currently in financial hardship with the hopes of becoming proactive about taking care of this to get me in a better position with my credit.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VERITAS FUNDING, LLC (UT)

Received letter veritas funding for A loan for my husband and I that we never Applied for a total of XXXX for a period of XXXX  months. Loan number XXXX
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

Hello, my name is XXXX XXXX. This complaint is in response to an account your company is furnishing to my credit report. Your company is furnishing a bankruptcy to my consumer report INACCURATELY. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. Furthermore, I have attached a letter from the bankruptcy court stating they do not share or verify information with anyone. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.
Consumer complaint received 2020-03-28
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. (MS)

I did not receive anything from this company stating a debt was owed. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with Equifax and was told in a letter that the account was updated but it was not removed from my credit report
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BBVA FINANCIAL CORPORATION (TX)

DATE:XX/XX/2017 AMOUNT : {$33000.00} I CALLED THEM AND INFORMED THEM THE ACCOUNT SHOULD BE SHOWING PAID IN FULL AND NO LATE PAYMENTS