davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
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. (KY)

I HAVE SUBMITTED MULTIPLE DISPUTE REQUESTS WITH ALL XXXX XXXXREDIT BUREAUS TO REMOVE CERTAIN ITEMS ( BELOW ) OFF MY CREDIT REPORT AS I WAS A VICTIM OF IDENTITY THEFT SINCE XXXX & MULTIPLE ACCOUNTS HAVE BEEN OPEN IN MY NAME AS WELL AS MULTIPLE INQUIRIES INCLUDING AS RECENT AS TODAY. THESE CREDIT BUREAUS KEEP COMING BACK WITH ACCOUNTS VERIFIED WHICH IS NOT TRUE THESE ACCOUNTS DOES NOT BELONG TO ME AND I NEED THEM REMOVED IMMEDIATELY XXXX ACCOUNTS * XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX  XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/2012* XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX  XXXX OPENED XX/XX/2013 XXXX XXXXXXXX XXXX XXXX OPENEDXX/XX/2017* XXXX XXXX XXXX XXXXXX/XX/2019 XXXX  XXXX  XXXXXX/XX/2021 XXXX INQUIRIES XXXX XXXX  ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXXXX/XX/2021XXXX XXXXXX/XX/2021XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/2021 XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXXXX/XX/2021XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/ XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/2021XXXXXX/XX/2021XX/XX/XXXXXXXXXX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2020 XXXX  XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020XXXX XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020 XXXXXX/XX/2020 XXXX XXXX XXXXXX/XX/2019 XXXX XX/XX/2019
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$9500.00}
Consumer complaint received 2020-02-27
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. (FL)

I have several inaccurate marks on my credit report that I have attempted to correct several times. 

I have asked for verification of the validity of these accounts months ago, Equifax especially, only temporarily removes the account and then puts it right back in 30 days. 

Accounts that are not valid : - XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX *Note* - XXXX XXXX XXXX claims that I made 100 % of my payments, yet they display 5 negative remarks, and also they are claiming " negative marks '' on dates after the account was already closed ... this obviously is not my account, nor verifiable. 

Inquiries Not Valid : - XXXX  XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NV)

Someone has opened a credit card in my name with Chase. I have told them several times that I DID NOT open this card. I never wanted this credit card with Chase. Not only that but somehow there were payments taken out of my bank account to pay for this card without my permission. I 've called and called and asked for the money that was taken out of my account to pay for this credit card to be returned to me, still no response. I 've also advised them that I did not make any of these payments to my card and then later they told me that they can not return it because I owe it to them. This is hurting my credit and I do not have the money to make the payments to save my credit! I also just found out that somehow this account number was changed from my previous card ending in XXXX to XXXX, another thing I did not authorize. I was also re-billed for charges that I DID NOT authorize and am trying to get removed to resolve this issue! They also claim that the charges on my account for merchandise that was purchased was shipped to me and signed for by me, NOT TRUE. I was not even home to sign for anything nor did I order it! I have filed several complaints with this company and they DO NOT listen.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (TX)

Good Day, On XX/XX/2021 I received a credit alert about a collection account that was placed on my report by Spring Oaks Capital , LLC. I have not received ANY information via postal mail, email, or telephone from this company and have never even heard of them. It states the " creditor '' as a company I have never heard of as well. 

I disputed the " collection '' account on my XXXX Credit report and the response was null. When reviewing the " case '' today XX/XX/2021 it stated it was resolved and the account remains on my report with no change. 

Debt collectors are required to provide a debt validation notice at a minimum and once again I have NEVER received anything from Spring Oaks Capital , LLC or even heard the name until a XXXX  ago. I also don't recognize the prior " creditor. '' After reviewing some online posts about Spring Oaks Capital , LLC it seems MANY other people have had this issue as well. They report accounts people have never been notified of having or have ever had. They seem to randomly place collection accounts on the credit reports of some people XXXX years after accounts were written off or disposed via XXXX XXXX according to other horror stories read on forums. Many comments mention Spring Oaks Capital , LLC being a complete scam and sham of a company and I will NOT be a victim.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the fair credit reporting act XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-22
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. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2021-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I'm a QMB [ Qualified Medicare Beneficiary ]. Under federal law, a Medicare provider can not collect my Medicare premiums, deductibles, coinsurance, or copayments. This is true whether it's Original Medicare or a Medicare Advantage plan. I'm in a low-income situation for Medicare. So there apparently is some confusion about how billing is supposed to work. I'm not supposed to be billed by providers under this program. So, I've consistently received bills and was confused as to why. So I reached out to Medicare and they pointed me here to get assistance. I have various dates and collection companies seeking to settle accounts that I shouldn't have been billed for.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

Citi approved and issued me a new XXXX XXXX XXXX, upon receiving the card, I registered it and was approved for immediate use. My XXXX purchase was denied and so was the XXXX  the XXXX purchases. I contacted Citi Customer Service on XX/XX/2021 and was assured the problem was resolved. The next day, the problem persisted, I call Citi Customer Service again, the representative had no answers and we ended up closing the account. Due to Citi 's incompetence, my credit report were negatively affected.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I sent several letters out to experian XXXX  and XXXX ask them to investigate the accounts on my credit report I have yet to receive any results According to 15 us code 1681 : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been devel- oped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating con- sumer credit and other information on con- sumers.

( 4 ) There is a need to insure that consumer re- porting agencies exercise their grave respon- sibilities with fairness, impartiality, and a re- spect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reason- able procedures for meeting the needs of com- merce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accord- ance with the requirements of this subchapte
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX has now reported to TransUnion and XXXX fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately. 

I have attached your own statement showing that I was not late in XXXX, XXXX, or XXXX and the reports from TransUnion and XXXX showing you reporting that I was late in those months as well as your response to my dispute showing I was late in those months.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-09
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. (IN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-11-28
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. (AL)

I have let this go on much longer than I really should have but I was trying to give XXXX, XXXX, XXXX, and the Credit Bureaus the opportunity to correct their mistakes but all they're doing is running me around in circles every month and I'm fed up. Since about XX/XX/XXXX, I have been working on my credit and have made great progress... that is until I learned that there should be no late payments on my XXXX XXXX  if they occurred during the pandemic. Well, there are XXXX XXXX  XXXX XXXX  accounts where I was unfortunately late in XXXX and XX/XX/XXXX. I have requested several times for these late payments to be removed under the CARES Act but XXXX has gone several months of not responding to me and the credit bureaus have spent the last XXXX years " verifying '' the late payment also NOT complying with the laws set in place to help people through something that we literally had no control over. 
XXXX has also not stood on their end of a deal that was set where they sent XXXX of my accounts to collections. I paid the collections and the XXXX charge-off reportings were supposed to be deleted from my credit report. Well, they have been reporting every month when they should have been deleted back in XXXX when I paid them. I just don't understand how they are able to go this long doing this. What is the point of the laws if these companies and the credit bureaus aren't going to follow them? Month after month since XX/XX/XXXX they broke the laws. The FCRA, XXXX, and even XXXX.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX a deposit of {$6500.00} was made at the XXXX XXXX branch of Wells Fargo. Funds were supposed to be released the following day. On XX/XX/XXXX it was found that a hold was placed on the entire XXXX check deposit. Wells Fargo was addressed as to why this hold was placed on the check as we have history of depositing these checks without hold before. Wells Fargo was unable to give us and answer and continued with the 7-Day hold. On XX/XX/XXXX I went to the bank to discuss the hold and remedy the problem. The hold was released on the {$6500.00} check and cash was given 2 mi in the amount of XXXX. That night they place the hold on the check again, making my account overdrawn over {$6000.00}. Transactions including my medical insurance where declined and Wells Fargo charge me {$35.00} for each declined transaction. My insurance it's scheduled to be canceled due to non-payment/ payment rejection by Wells Fargo XXXX It is now XX/XX/XXXX and my account is still overdrawn over {$6000.00} with Wells Fargo refusing to release the hold and provide me information on why the check is still on hold and proof of non-payment by the issuer of the check. Wells Fargo has not provided any documentation or proof of non-payment and refuses to release the hold of my check. That's my account continues to be overdrawn and incur fees and my bills and payments continue to be rejected by Wells Fargo.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (MA)

Discover Card is treating me horrible and discriminating against me because I have a XXXX  XXXX and making me pay for charges that are not mine. Someone changed my account information as well and Discover is blaming me for it. I don't appreciate being treated unfairly due to my XXXX and having to pay an amount that I can't afford and I'm not paying it Any longer I didn't charge up over XXXX XXXX dollars. Discover needs to be held responsible for their actions and stop treating me different do to my XXXX it's against the law and not allowed. They need to clear these charges before I file a report for discrimination. Discover should refund me the XXXX that some fake employee stole from me.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I received a letter dated XX/XX/19 from Union Bank stating that they are closing my account. I called the phone number on the letter and a automated system answered as Union Bank BSA Compliance Department. It instructed me to leave a message and that they would call me back within 2 business days. They called me and would not give me a reason why they are closing my account. They informed me that I am not able or allowed to open another account with them either. I feel as a consumer that I have a right to know why they are doing this. I have handled my account in good standing for 17 years. I have never overdrawn my account or written bad checks so I'm very confused why they decided to close it. 

Thank you.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NV)

I have federal loans with Mohela. I have been paying my loans on a IDR plan and I am currently in Public Service Loan Forgiveness ( PSLF ) program to get my loans forgiven. Now on XX/XX/2024. I received a correspondence letter from Mohela about my student loans going into Forbearance process status. I never contacted Mohela asking for my loans to go into forbearance, they just did that on their own. So because my loans are in forbearance my payment no longer count towards my PSLF which is now causing a huge delay towards loan forgiveness. I sent a message to them stating that I would like to take my loans out of forbearance. I get another letter from them stating it can take up to 90 plus days to get processed out of forbearance.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (MO)

XX/XX/2021- Received a promotional card offering {$150.00} bonus to open an account with Arvest Bank. My dad has an account at Arvest, and I thought this new account would make our monthly business easier. The one internal recurring ACH to my dad 's account will cover the bonus account activity requirements for the promotion, it said. I opened the account, and set about using Arvest 's online banking feature to setup the recurring ACH 's from my local bank account to my new Arvest account, and also the subsequent transfer to dad. I tried to be mindful of the transaction dates, knowing that my local bank 's system still relies on paper instructions to a certain extent. 

Late XXXX, 2021 - because the scheduled date of my recurring Arvest transfer fell on an upcoming weekend, I inquired as to when the bank would process it. I was told XX/XX/XXXX, the following Monday. What has happened over the last 39 days can not be documented in this text box. 

XX/XX/2021 - after closing my account and removing all visibility to it ; after a full month of threatening notices, being treated like a criminal, and a refusal from over a dozen Arvest Bank employees to discuss the matter with me, and finally, after almost calling an XXXX  during a XXXX XXXX because of my XXXX  for which I receive XXXX XXXXXXXX payments, Arvest Bank took another {$1200.00} out of my local bank account. And this week, I have watched my account dwindle down because of the automatic payments for utilities, etc. are posting. Yesterday, my balance in the local account was {$3.00}. Today I am over-drawn. I was told yesterday by Arvest that my money would be returned this week. I don't know what else to do. Thank you in advance. 
XXXX XXXX