davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX. XX/XX/2021 I do NOT recognize these credit inquiries nor do they belong to me.
Consumer complaint received 2020-03-06
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. (GA)

XXXX  is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.
Consumer complaint received 2023-05-11
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. (NY)

Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX XXXX XXXX account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.
Consumer complaint received 2018-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I am filing a complaint on behalf of my sister. She has a medical condition and is on XXXX. She has always been on XXXX in her adult life. What I am now learning is she had credit cards, used them in excess. She owed a large amount of money to a debt collector. 

In fact, now that I have been monitoring her spending, a debt collector is automatically getting money each month from her bank account. 


I am in agreement, my sister never should have been issued credit cards. Even after she was in a debt, XXXX sent her new credit cards. She still wanted to use them because she did not understand how she obtained the debt. Can a debt collector, collect money from her as her income is XXXX income? 


My sister is now in a XXXX home. Can the company continue to collect on her debt? I have called them, but they will not speak with me anymore. They want my sisters signature which we sent, even though it is not a legible signature at this time. The company said they did not have the letter.
Consumer complaint received 2020-03-06
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. (GA)

XXXX  is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (CA)

My son has been using this card for years with no problems until now. I had used the card XX/XX/2020 and no problems. Went to use it XX/XX/2020 and it didn't work, tried withdrawing funds from it on Wednesday XX/XX/XXXX ATM said they could process the transaction and to contact the financial institution. I have been trying to call for two days and there is no option to check balance or anything you just sit on hold for hours with no answer. Tried logging on to check his account online and it thanks me for requesting a new password and says it sent a link to my email, never received a link to reset the password. Went to Social Security they said there was nothing they could do but are sure Comerica will correct it. Tried calling a different number social security gave me and was told by a customer service supervisor they don't service the cards that start with my number and can not access my account and they are not the same company even though the original representative tried transferring me to the department that did service my card. Im pretty sure the supervisor was lying. My son needs his money. If they locked him out of his account with no access to his money what resolution does he have to get his money back? My son is XXXX years old, I am his payee representative.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (DE)

unrecognized collection account appearing on my credit report. The account details are as follows : - Original Creditor : XXXX XXXX POWERED BY - Balance : {$300.00} - Current Amount Owed : {$300.00} - Balance Updated : XX/XX/2023 - Original Balance : {$300.00} - Date Opened : XX/XX/2023 - Account Type : Collection - Status : Collection account. {$300.00} past due as of XX/XX/2023. 
- Status Updated : XX/XX/2023 After a thorough review, it has come to my attention that this collection account is in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : XXXX. XXXX XXXX : ** Our records indicate that the account has been fully paid off ( 0 % balance ), contradicting the reported past due status as of XX/XX/2023. 

XXXX. **Lack of XXXX XXXX : ** The account status was last updated in XX/XX/2023, creating a significant lapse in reporting that does not accurately reflect the current status of the account. 

These discrepancies are concerning, and we request that you investigate this matter promptly. As per the FCRA, inaccurate and outdated information on a credit report can have adverse effects on an individual 's creditworthiness.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (PA)

XXXX XXXX XXXX of XXXX sent {$69.00} bill to collection company Capital Account which does not belong to me. I am not their patient and never was. My wife was their patient back in XX/XX/2019. She had some services done back then for which they charged to our joint insurance company already who approved their bill. They forgot to mention that to their collection company who reported delinquency to my credit bureaus. That act hurt my credit. We are in middle to purchasing a house but because of that delinquency we have to postponed our plans. This will cost us some money. 

My concerns : 1 ) They have my wife 's info when she was their patient. Why didn't they charge her instead of me? Understand we have a joint insurance card but when it comes to a bill or collection, shouldn't they be looking into their accounts and reach out to the right patient instead of their family members. Isn't this a HIPAA violation? 
2 ) If they have charged the insurance company then why they are charging us? isn't this a double dipping? NOTE : this is not a co pay or deductible that my wife is responsible. This is an actual bill and insurance company agreed to pay them. 
3 ) As per my wife, they have charged the insurance company for some work in the past that they didn't do. My wife filled a complain and then they reversed it.
Consumer complaint received 2023-02-05
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. (MN)

I am a natural person, I have rights under 15 USC 1681.

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

XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give XXXX my written permission or consent to furnish these accounts.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

I have a current mortgage with Caliber Home Loans for a property ( see attached documents for details - Account Number XXXX ) that was purchased for {$190000.00} and mortgaged original loan amount of {$160000.00}. I been making all my payment on time with additional principle each month. As of today, my principal balance of {$140000.00} has reached 77 % percent of the original value of my home and Caliber refuses to remove the monthly mortgage insurance charged to me. I have contacted Caliber customer service and they advised me that my principal balance must reach 70 % percent of the original value of my home in order to remove the monthly mortgage insurance, which is not what federal laws require. I asked them " how come that is not reflected in my closing documents or any disclosure to me ''??? as I was never advised of this 70 % requirement, however, Caliber Home Loans couldn't give me a proper answer. See attached mortgage insurance clause that I have in my signed closing document, which doesn't reflect any of this 70 % requirement they mentioned. Furthermore, federal guidelines require mortgage insurance to automatically drop/remove the mortgage insurance when principal balance reaches 78 % of the original home value/purchase price and account in good standing. Caliber Home Loans want to continue charging me monthly mortgage insurance while my account meets federal requirements to remove my monthly mortgage insurance since I have reached 77 % principal balance, ( {$140000.00} ) to my original value of my home ( {$190000.00} ), plus my account has been in excellent standing and never late. See attached documents.
Consumer complaint received 2023-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loancare through XXXX XXXX XXXX' is negligently or purposely delaying the release of checks to pay contractors for repairs to my property. It had taken me more than 7 or 8 phone calls in the last two weeks to attempt to get the checks released. Every time I call XXXX I receive a different excuse for the reasons the checks have not been released. 

Currently, I am paying the contractor out of my own pocket because Loancare is retaining the checks intended to pay the contractor.
Consumer complaint received 2020-03-06
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. (SC)

XXXX XXXX improperly billed me for a service despite XXXX  's response to the claim stating specifically that the amount they may bill me is XXXX. 

I proved this in my dispute with equifax with a copy of the XXXX summary notice for the service. It shows the same date of service ( XX/XX/XXXX ), patient information, procedure code ( professional charge for a XXXX XXXX ), amount charged ( {$190.00} ), etc. as the XXXX XXXX bill in question. Despite that XXXX  summary notice clearly stating " the amount you may be billed : {$0.00}, '' for that service, the collection agency still believes it to be legitimate and Equifax won't remove it. 

Because it's not fraud, the FTC and police will have nothing to do with the dispute, and yet I need either a police report, a letter from the collection agency showing " paid in full, '' or a letter from the FTC. Because there is no way this could be " paid in full '' when I don't owe it, there is no recourse for me to get this fixed short of spending tons of money on lawyer 's fees to sue XXXX XXXX and the collection agency. 

The other two credit reporting agencies ( XXXX  and XXXX  ) did not have that collection agency information on my credit report, as their credit scores for me are above 750 and Equifax 's is below 660. Because Equifax feels the need to report medical debt, they should have a protocol for disputing medical debt, and as shown above, they don't. 

Equifax has all the required documents in my dispute file under dispute # : XXXX dated XX/XX/XXXX.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hello 53 bank, I tried to contact with claims department several times trough the phone, but after long wait nobody answered. 
So Im writting this claim to open a merchant dispute for 4 transactions made with my debit card ending in XXXX. 
XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX the expected delivery date was on XX/XX/XXXX, but the seller never provided a tracking number. I tried to contact them many times but nobody answered, starting XXXX XX/XX/XXXX by email and phone calls.
Consumer complaint received 2023-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AR)

We felt the interest rate was too high and they was taking advantage of use due to the time of XXXX pandemic. My credit was not as bad as they lead me to believe. The week after I made my first car note. I receive offers for cheater rates.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Wise Recovery Solution LLC (OH)

XXXX XXXX XXXX has no reported that my bill has been up to date for over a month. Credit score has dropped twice due to false reporting from company. Company also calls me up to 4 times a day. I pay double the minimum payment.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as XXXX These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.
Consumer complaint received 2020-03-06
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. (MS)

I initially emailed Experian and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. Experian responded with a generic response saying that it was updated. I disputed the account with XXXX XXXX, debt collector involved. XXXX XXXX responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX  had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from XXXX XXXX. Experian responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent Experian another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from XXXX XXXX, saying for the bureaus to delete the tradeline. Experian responded again saying that the account was updated. I called Experian and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX have XXXX   under a DIFFERENT ACCOUNT than the account number XXXX XXXX  sent. However the account number is WRONG as well.
Consumer complaint received 2023-02-15
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. (IL)

I discovered inaccurate information reporting on my Equifax credit report and disputed it. On XX/XX/2023, I requested an online dispute, via Equifax Dispute center and was giving two conformation # XXXX, XXXX and told that an investigation would be taking place. On the same day Equifax Information Servies claims to complete and verify 1of 2 of my disputed accounts less than a couple hours.
Consumer complaint received 2020-03-06
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. (GA)

Account : XXXX XXXX / XXXX XXXXXXXX XXXX  XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXXXXXX XXXX Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***
Consumer complaint received 2020-03-06
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. (CT)

I fell victim to a scam when my computer was hacked into. I thought I was talking to a rep from Chase bank and XXXX. They told me that someone from XXXX used my card to make an XXXX purchase and I would need to buy gift cards from XXXX  to drive up my balance to keep the charge from going through. My card was immediately deactivated by Chase for suspicion of fraud .The scammers said they would contact the bank and have it reactivated. They used my phone number to do so without my knowledge and Chase reactivated the card. Why would they do that without contacting me directly? I would like an answer
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I received email notifications from Bank of America on XX/XX/2022 and XX/XX/2022 regarding the opening of two bank accounts under my name using some of my personal information. Attempts to contact Bank of America over the phone concerning account fraud were unsuccessful and I was only able to speak with someone on XX/XX/2022 after emailing complaints to the company. Initial claims were filed over the phone and I spoke with 2 individuals ( XXXX in XXXX and XXXX in XXXX ) who then sent a follow-up information packet via mail on XX/XX/2022. The completed Uniform Affidavit for Identity Theft was mailed on XX/XX/2022 to the Bank of America digital fraud claims. Shortly after discovering the fraud I placed a freeze on my credit report, filed reports with the FTC identity theft department, and ordered a comprehensive report from Early Warning Systems to identify other potential fraudulent accounts. No further correspondence was received from Bank of America and a dispute letter was sent on XX/XX/2022 in order to ascertain the status of their investigation and insure the accounts were closed. Over a month has passed with no further word from Bank of America.