davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a bill from the emergency room visit. At the time of the visit, I was homeless and receiving XXXX and XXXX for insurance. Additionally, I was going through fleeing from XXXX  XXXX. So, I was residing in a confidential shelter. I qualified for Social Services offered, as well as other XXXX options. I told the personnel about my situation and was given assurance no bill was issued based on information as stated above. As of to date, I am on XXXX and have been since I moved to California XX/XX/XXXX. I was not aware of any bills until I recently received my credit report. I was surprised to see a balance from XXXX XXXX. I can assure you I was definitely receiving XXXX and XXXX. So, I am perplexed as to why I have an outstanding balance on my credit bureau. 

MESSAGE FROM BUSINESS : Dear Ms. XXXX, This letter is in response to an inquiry received at XXXX XXXX XXXX from the XXXX XXXX XXXX  on XX/XX/XXXX. The inquiry referenced your complaint regarding your Emergency Department ( ED ) visit on XX/XX/XXXX. Your concern is that the charges for this visit appear on your credit report, and that you were XXXX eligible at the time of service, Treviewed this visit and located the eligibility inquiry our registrar submitted on the XXXX website. Based upon the SS # and birth date provided at registration, it was determined you were not XXXX-XXXX  eligible on XX/XX/XXXX. ( Please see the attached copy for your reference ). Therefore, this encounter was considered a " cash '' account because there was no insurance to bill. XXXX-XXXX  eligibility was checked again in XX/XX/XXXX, and again was returned as not eligible. Please note the State of  California only allows one year from the date of service to check for eligibility, so currently we are unable to check for XX/XX/XXXX. 

Treviewed the physician 's dictation from this visit which mentions " patient is residing in her car  ''. Because of this statement in the ED dictation, I will consider this to qualify for our financial assistance program. Therefore, I have contacted the collection agency, XXXX XXXX XXXX, to cancel collection efforts and have this balance removed from the credit bureaus. A letter from XXXX is forthcoming to confirm this information and will be mailed to the address listed above. You can contact XXXX  directly at ( XXXX ) XXXX if a letter is not received within 2 weeks. 

Please note we consider this account to be resolved. 

XXXX, XXXX XXXX.
Consumer complaint received 2022-11-05
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)

XXXX XXXX is in this. As a follow-up to the last CFPB complaint I filed on XX/XX/XXXX, I am filing this one. On XX/XX/XXXX, I wrote to the credit bureaus and asked them to delete the following things from my file because they are unknown to me. I just learned about this regulation, and it states that credit reporting agencies must delete all accounts and information no later than four business days following XX/XX/XXXX, as per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). This was also mentioned in my earlier complaints # XXXX, # XXXX, and # XXXX, therefore I'm mentioning it again. Please remove the following items as soon as possible 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 XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed items belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification. In the event that the Credit Bureaus do not comply with the requests, please remove the disputed items as soon as possible.
Consumer complaint received 2020-04-03
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. (CA)

On XX/XX/XXXX I visited an establishment in XXXX. My Chase XXXX   XXXX  credit card ending in XXXX and another card a Chase XXXX   XXXX  ending in XXXX were stolen. 

After leaving the establishment I received multiple fraud alerts and realized my credit cards were missing. I called Chase and immediately reported the cards were stolen and the fraudulent activity. 

In total I was informed someone at the establishment or merchant attempted 7 transactions, of which 2 got through. One on my card ending XXXX for {$3300.00} and another on my card ending XXXX for {$55.00}. Chase said I would not be responsible for the fraudulent charges, canceled the cards and I did take further steps at that time. 

Initially the 2 transactions were reversed, but after returning from XXXX on XX/XX/XXXX I was informed I would be responsible for the {$3300.00} charge. Through multiple conversations and disputes after that a senior fraud investigator named XXXX and a supervisor XXXX XXXX XXXX said they re-opened the case on XX/XX/XXXX because : 1. It was shown in their system that there were 7 total very suspicious attempted transactions, that seemed to be an attempt to max my card, of which the 5 on my card ending XXXX were listed to me with amounts and times : XXXX EURO - XXXX XXXX EURO - XXXX XXXX EURO - XXXX XXXX EURO - XXXX XXXX XXXX - XXXX I  know my credit card limits are over XXXX USD and it would be inconceivable these would be legitimate and authorized transactions. 

2. I filed a police report on XX/XX/XXXX, but that had no results. 

3. The charge for {$55.00} on my other card ending XXXX was fully reversed and deemed fraudulent. 

For the next 2 months I did not hear any response from Chase, believing they had forgotten my case and or simply chose to ignore it, I sent another email to XXXX XXXX on XX/XX/XXXX. 

Curiously right after on XX/XX/XXXX they said they reviewed the case again and refused to reverse the charge for XXXX, and offered no new information or reasons on the decision. They had previously citied that I was at the establishment and received benefit, which is absurd because I didn't authorize those charges, and paid in cash for any items. Nor would I purposely try to max a credit card by running 7 transactions on it, when I know very well what the limits are. 

Furthermore it is completely inconsistent for 1 charge from the same establishment to be deemed fraudulent, but on the other hand claim another charge is not fraudulent.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I been disputing the incorrect fraud things on my credit I XXXX XXXX say I own {$0.00} I wont deleted XXXX/XXXX  say I owe {$0.00} charge off deleted XXXX  XXXX XXXX I don't own I demanded them to deleted for {$460.00}, XXXX  XXXX XXXX  balance {$970.00} I demand deletion still not remove, XXXX XXXX  I ask to be remove, XXXX XXXX I demanded it to go XXXX/XXXX  I demand gone still nothing
Consumer complaint received 2022-12-29
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. (GA)

Affidavit of Truth 1. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, 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, so be it, and ; 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached, so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and /or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted commerce, so be it, and ; 5. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 6. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that is in violation of 1681i 7. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit B that is in violation of 1681a Thank you for your time.

I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charges.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, I received a deposit from the Internal Revenue Service for {$7300.00} for my XXXX tax return. Navy Federal took my deposit from the Internal Revenue Service of {$7300.00} due to an unpaid credit card account that I have with Navy Federal. Navy Federal did this without any merit or authorization from me. Navy Federal also has never issued me any notice or request for the removal of funds from any of my Navy Federal accounts. 

A similar issue occurred in XXXX of XXXX about CFPB complaint # XXXX. This previous complaint was due to Navy Federal taking nearly {$10000.00}. Navy Federal resolved my previous issue by returning my funds. 

I am behind with my mortgage payments and Navy Federal willfully and maliciously committed an illegal violation of California Business & Professions Code 17200 Unfair Business Practices.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I submitted all documents to Experian showing satisfied accounts including sold off accounts to collection agencies from original creditors. There are original creditors reporting debt to my credit report after their companies have already sold or passed off the debt to a third party collection agency. You can see multiple accounts with same exact balances dollar for dollar and showing the debt collection agencies received payments and accounts were all settled and they removed and reported the information correctly versus original creditors after multiple calls, letters sent, and proof provided to their debts satisfied by their 3rd party collection agencies they have failed to still remove the incorrect reporting to my credit report. Also any account which is only my student loans, current bank accounts, and one credit card of {$300.00} limit have the correct current addresss. All my accounts were updated with correct addresses and those creditors reporting anything else but my current address at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX are fraudulent reporting on their end by laws that protect me as the consumer therefore must immediately be removed and expunged from my credit report as has been done on other credit reporting bureaus minus yours EXPERIAN, who is not reporting or completing investigations accurately and not filling policies that protect the consumer. Rather now for months of continuous disputing on my end you have still failed to correct my report with actual Factual evidence and submitted documents and documented and recorded calls to your bureau ( which are not based in a USA call center, creating additional barriers for myself the USA Consumer to rectify any and all information and reporting pertaining to my credit report, not only holding companies at fault but your company as well for violations of consumer act, and protections for myself and credit under California and United States of America Consumer Reporting Laws and also violation of not providing all receipt of my transactions and correspondence with your company and not short of witnessing your own employees pretend they are unable to hear me on the telephone line as we are in mid conversation in attempt to resolve the matter. But me observe hearing laughing and employee stating exactly what they are doing thinking they are muted and I can not hear them making phone of me calling to fix errors on you and companies end. And me Confronting the agent letting them Know I heard them and they can hear me to be hung up on after they were aware they got caught lying. This is not the first time your company has done this and as I know its one of your go to scripted responses. Therefore if not corrected all companies including Experian will be in litigation once complaint is officially filed in public court taken actions against all who have seriously violated my rights for over a year now.
Consumer complaint received 2023-02-05
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2022-11-05
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX  : {$260000.00}
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I got a phone call from the collection company Fidelity the lady was extremely rude when I educated her I didnt live at the property for at least a year the bill there calling about. She didnt give me an option to dispute it. I never received any notification even though I informed them I didnt live at the service address over 1 year. There was no room to talk to the rep before I disconnected the call. One day it showed up on my credit out of nowhere. This company has zero intentions to try to get a resolution for the consumer like me just the company.
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. (AR)

On XX/XX/2022 I SENT A INVESTIGATION LETTER TO THE CREDIT BUREAU ASKING THEM TO TO DO AN INVESTIGATION AN CHECK EVERYTHING ON MY CREDIT REPORT TO MAKE SURE EVERTYTHING WAS XXXX XXXX ACCUTE WITH TRACKING NUMBERS. THEY DIDN'T DO A PROPER INVESTIGATION ACCORDING TO THE LAW DUE TO IT IS XX/XX/2022 AND MY CREDIT REPORT IS STILL INACCURTE. 

TRACKING NUMBERS BELOW : XXXX XXXX XXXX 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States : 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 who he is acquainted or who may have knowledge concerning such items of information. 

The credit bureaus stated account name & account # was properly investigation but how is that even possible if the Account status, Date opened, Date last Active, High credit, Last Reported and Date of last payment is still incorrect and not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written instructions or permission to furnish these accounts on my credit report. 

I'm sure you know the law just as well as I do my right 's was violated by the credit bureaus XXXX XXXX under 15 U.S.C 1681 : 15 U.S.C 1681 SECTION 602 A.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : 15 U.S.C 1681 S-2 ( A ) ( 1 )
Consumer complaint received 2020-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (MN)

Initial request gave an incorrect interest rate. I am currently paying an unbelievable interest rate. My loan details are as follows : Account Type Installment Loan Original Annual Percentage Rate ( APR ) 98.90 % Original Term 72 Months Contract Date XX/XX/XXXX Current Maturity Date XX/XX/XXXX Current Interest Rate 93.50 % Current Payment Amount {$410.00} Current Payment Frequency Monthly Amount Financed {$5000.00} Outstanding Principal Balance {$4800.00} Accrued Interest {$510.00} Unpaid Fees {$270.00} Total Outstanding* {$5600.00} I have been paying for over a year on this loan and now owe more than what the original loan was for.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted the company several times in the past regarding the inaccurate reporting of the mortgage loan on my credit report and the claim there is noting they can do because I filed bankruptcy and they can not report after that date even though the loan is still open and being paid on. How it is being reported on my credit report needs to be corrected somehow to reflect accurately! 

It is beginning to negatively affect me. I recently had credit denied XX/XX/20 because, " Lack of real estate secured loan information ''. The account information has an incorrect balance, missing payment amount, the account status is incorrect.
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (CA)

I used to have a business credit cards in name of my Company " XXXX XXXX XXXX XXXX '', I owed {$12000.00} to Wells Fargo back then in XXXX. I filed for my company 's bankruptcy, sent a letter to Wells fargo regarding it. Wells fargo did not respond.

The two credit cards were ending in XXXX and XXXX There were some assets back then and were distributed to the creditors accordingly by the bankruptcy court and Wells fargo missed it as they did not respond to the notice by court. Now they are coming after me saying that I need to pay that debt which I don't owe. 

that was a business debt and the business filed for Bankruptcy. 
( Please see the proof of service of the bankruptcy court attached ). I don't owe anything to Wells fargo and if they still disturb me like this I will have to file a lawsuit in XXXX XXXX XXXX Court.
Consumer complaint received 2020-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC. (CA)

On XX/XX/2020, President Trump signed the Coronavirus Relief ACT, which stopped all student loan wage garnishments for 6 months. ECMC continued to garnish my wages after the law went into effect. They owe me a refund of {$5.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, ECMC must cease and desist further garnishments and stop automatic withdrawals from my bank account per the Coronavirus Relief ACT.