davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (PA)

MY MEDICAL DEBT WAS REPORTED TO MY CREDIT ILLEGALLY ACCORDING TO 15 U.S CODE 1681B ( G ) ( 3 ) BY FIRST FEDERAL CREDIT CONTROL IN THE AMOUNT OF {$450.00} XX/XX/2020 {$290.00} XX/XX/2020 {$290.00} XX/XX/2020 {$270.00} XX/XX/2020 {$190.00} XX/XX/2020 XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Med-1 Solutions, LLC (IN)

Dates of service for XXXX of my children ranging from XXXX for a total of 9 accounts in collections for a total of {$2200.00}. 

I was told to call XXXX ( XXXX XXXX ) and get check numbers and dates of payment as I have assured them via many phone calls to XXXX that these 9 accounts have been paid by XXXX. 

XXXX XXXX XXXX XXXX XXXX and Med1Solutions absolutely refuse to take any of the information that I received over the phone with XXXX. They are still trying to collect the full original amounts billed even though XXXX has paid these claims. 

XXXX XXXX XXXX XXXX XXXX told Med1Solutions that it is my responsibility to obtain the remittance from XXXX and submit it to them to post the payments to the accounts. I tried explaining that XXXX submitted that information to them already providing them with the check numbers and dates. Both companies continue to try collecting the debt from me even though XXXX paid them. I don't believe that it is fair debt collecting to accept payment from XXXX then turn around and bill the patient the full original amount of the claim. They are a XXXX network provider. This just does not seem right.
Consumer complaint received 2022-04-19
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. (GA)

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. 
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  And all inquiries, 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-04-19
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. (NY)

accordance with The Fair Credit Reporter Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-04-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oklahoma Motor Credit Company (OK)

I purchased a vehicle back in XXXX with Oklahoma Motor Credit Company. I took the vehicle back to the lot in XXXX and voluntarily surrendered it. after that it was listed on my credit report as account paid in full/charged off. I never received any communication from them by mail nor phone afterwards. All of a sudden in XXXX I get a letter from my employer that they have gone to court and received a judgement for garnishment not only for the XXXX or so dollars that I owed on the vehicle when I returned it, but the judgment is for XXXX. I call them the day I received the letter from my employer, and I was told that they sent letter by mail that were returned to them and the address she gave me I have not lived at for over 4 years. My current job I have been on for about 2 years. They found my job with no problem, but could not find my current address. I feel like they really did not try to locate me nor my residence to notify me. I really believe they acted in a deceptive manner by purposefully not contacting me in order to get a rediculously high judgement and ultimately garnish my pay check for an absurd amount.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (NJ)

I have made multiple attempts to rectify this issue directly with Apple Card / GS, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.
Consumer complaint received 2022-04-19
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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 2015-06-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (TN)

I applied for a loan to have a house built in XXXX 2015, i went threw the whole process and did everything i was suppose to do as far as what was needed from me and what i needed to have at closing. I gave lender all my information that was passed on to the processor and the underwriter. I was notified that my loan was approved but the processor sent me special conditions that i needed to do before i close. i provided everything that was asked of me on the special condition report, but when it was time for me to close, i was informed i was unable to because they could not use my sons XXXX XXXX check that was apart of my income. The company had my file for 4 months and waited to tell me this at the very end after XXXX missed closing dates. I gave my 30 day notice were i was living, moved out my house based on closing date, went homeless for 8 days now with XXXX people in my household. I had to pay for a XXXX truck and keep my furniture in there waiting around on them to close me. After 4 long days I had to return the XXXX and put my furniture in XXXX storages because i have alot of things. They have cost me alot of money, and stress ( XXXX ) on me and my family. They also made me close XXXX credit cards out 3 weeks ago when i was orginally suppose to close and know my score is going to drop hard.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

I took a 2 year promotional balance for a XXXX on an XXXX credit card.My understanding was that XXXX was supposed to split the payments equally, to be paid off in 2 years. However, after 2 years, I owed {$1000.00} and they charged me an additional {$1000.00}, and I now owe {$2000.00}, doubling the final balance that I owe. XXXX did not contact me to notify me that the promotion was ending. When I called multiple times to request if I could pay the final {$1000.00} and be done with the account, they refused. They were not transparent with their terms, did not split the payments equally and did not contact me to to notify me that my account balance would double. XXXX is a scam and I will never do business with them again.
Consumer complaint received 2022-04-19
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. (WA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXt has not satisfied debt. 29641** 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 an account without my written instructions.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to express my appreciation and to request an update to the status of my account to reflect " Open/Never Late, '' following a recent internal issue that has been successfully resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IN)

I received an email from an individual XXXX XXXX on XX/XX/22. She was asking if she could order product from me as I am a XXXX XXXX. She sent me her order and then asked for my Zelle Account. I received an email from Zelle stating that she needed to send another {$200.00} so that I could upgrade to a business account. ( The original amount she said she tried to send was for {$300.00} ( the wrong amount to begin with ). I contacted my bank immediately to find out why I would be asked to upgrade. The bank said it was a scam. XXXX also sent me a phone number XXXX and her email address : XXXX. The email from Zelle came from : Zelle pay XXXX. My bank said it was a scam and I should delete all contact information from them. I wanted to send to you before I deleted. I continue to receive text messages asking me to email zelle and upgrade. 

Here is a copy of what I received : You only have to Enroll to a Business Zelle Account to receive {$300.00} from XXXX ENROLL TO RECEIVE Important notice : this payment has been withheld and filtered by our agents for further verification and has also been declared PENDING because we noticed the status of your Zelle account has been limited and hence not a business account so we cant initiate the transfer but we want you to contact the sender of the payment to send in an additional payment of {$200.00} to your Zelle so it can be upgraded and changed to a business account then the sum of {$500.00} will likewise be credited into your account effectively once the additional payment has been secured back to the sender. 

Note : XXXX has also been emailed regarding the HOLD on the transaction, your account upgrade because this transaction will be monitored by our withholding agents and also insured with a HARDCOVER INSURANCE POLICY You will receive a CONFIRMATION EMAIL or TEXT from our Zelle team informing you that the funds have been credited into your account. 

Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 

For more information, please visit https : //www.zellepay.com Zelle Logo
Consumer complaint received 2022-04-19
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. (NY)

On XX/XX/2022, Sent letters out to all 3 credit bureaus. Its been over 30 days for them to investigate this matter. This information on my consumer reports is hurting my credibility and my lively hood. 

If I have to wait longer please inform all 3 credit bureaus to do a proper Investigation according to the FCRA a proper " investigation '' The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Thank you.
Consumer complaint received 2022-04-19
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX BANKRUPTCY Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-19
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX BANKRUPTCY Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

First Mortgage payment was due on XX/XX/XXXX OR XX/XX/XXXX. 
Chase Bought loan from another Mortgage company. Total Mortgage due Monthly is $ XXXX taxes and insurance is in payment as well as principal and interest. ( {$1600.00} Divided by 4 weeks = {$400.00} per week. ) To be clear, all other banks/Mortgage companies have applied our payments directly, when payments were received to mortgage/principal with no issue for almost 2 decades on several past homes as well as our present home. Lastly, we did not agree to have our mortgage/terms with Chase they purchased our loan after the fact. 
We began WEEKLY payments as we always have of {$400.00} per week on XX/XX/XXXX up to the date of XX/XX/XXXX which total sent Chase via automatic payments from our bank was {$3200.00} total sent to Chase as of XX/XX/XXXX. In addition there is another payment pending that has not been processed by our personal bank as of yet of {$400.00} that will be paid to Chase on XX/XX/XXXX. 
We received a letter from Chase saying we owed and were overdue {$3200.00} ( the exact amount we had already paid ). 
My husband and I called Chase on XX/XX/XXXX and they said they coded account wrong and were not applying payments to our mortgage payments but instead as additional principal payments. They say they will fix this with-in 3 days. 
Our concern is without us agreeing to or being notified ( until overdue notice ) they made this decision. They also say in the future whether we do bi-weekly payments on their site or weekly payments from our banks site. They refuse to put the payments towards our mortgage/principle. Instead they say they will hold the money and pay full mortgage payment on the payment date and refuse to process payments or apply to the principle at the times the payments are made. They also refuse to apply the weekly monies that we have already paid toward the initial principal/mortgage according to the dates they were forwarded. 
We are also concerned with possibility of both of our excellent credit reports going down because they did not process payments properly and listed us as overdue when the account was paid in full. There is a payment pending at our bank and being sent on XX/XX/XXXX as well.
Consumer complaint received 2022-04-19
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. (LA)

I disputed an old collections with XXXX XXXX on XX/XX/2022. This company sent information to EQUIFAX, whom I had disputed the account with a month earlier, allegedly verifying the debt. I previously disputed the collection account with EQUIFAX a month earlier. EQUIFAX falsely added the collection account back on to my credit report as a new collection XX/XX/2022 dropping my credit score XXXX pts. This is injuriously stopping me from buying a home and starting new lines of credit.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXXup to and including today ( XX/XX/2022 ) ATM at Truist bank branch out of cash. No sign on machine, no explanation inside bank. Clerk inside bank gives out the cash to a very long line of unhappy customers.