davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

About a week ago I received what I thought was a letter intended for me from Rash-Curtis & Associates. While my son and I share the same name, he is just XXXX and graduated from high school XX/XX/XXXX and therefore does not yet receive business mail. Upon realizing it was a collection letter related to medical treatment my son received when he was between 16-17 years old, I called to discuss the matter only to be told that the letter was not intended for me, but rather my now XXXX year old son, who they insisted, despite my refutations, is XXXX years. He is not. He was born XX/XX/XXXX. Nevertheless, it seems to me that his current age is irrelevant since he was a legal minor when the services were delivered and his mother and I signed all documents and it was my wife 's Insurance that paid the bulk of the bill. In fact, since he was a minor, he did not even have a choice in the matter. His mother and I made all decisions and told him what would occur - like most parents in similar situations. It simply can not be true that he is now personally responsible for the cost of the services. A representative from Rash-Curtis insisted that my son is personally responsible for the medical expenses and threatened to make a negative reporting to my sons not yet established credit file. Rash-Curtis & Associates is calling me on my private business line in my residence every 3-4 hours. When I spoke to them, I explained that the reason they have the number they are using to contact me is because I provided it to the hospital during the document signing process related to my sons medical treatment. They insisted that it is the number my son provided and that my signature on the documents is really my son 's signature which is ridiculous. They insist on speaking with my son and pursuing him for a debt incurred by his mother and I. We are not denying that we owe the debt and we intend to pay it.
Consumer complaint received 2022-05-20
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Balance Owed : {$66000.00} XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$12000.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$110.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$750.00}
Consumer complaint received 2019-11-22
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. (NV)

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and XXXX has refused me that right. I made a call to XXXX XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. 

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.
Consumer complaint received 2018-09-19
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: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2018 another person not being me applied for a credit card online to Creditor Name : NORDSTROM/TD BANK USA. I received a letter from the creditor and I was informed that they would take care of the issue and remove the inquiry from all 3 bureaus. 
It has been more than 30 days and the inquiry is still reflecting on my credit report. By the way I was informed from creditor that the person who stole my identity input my information from Florida and I live in California,
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

THESE ACCOUNTS IS NOT MINE XXXX - XXXX XXXX XXXX XXXX XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-03
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. (NV)

Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports
Consumer complaint received 2019-11-22
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. (NV)

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and XXXX has refused me that right. I made a call to XXXX XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors.

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCE CORPORATION (NJ)

I took out a personal loan from One Main Financial back in XXXX. I was making monthly payments up to XX/XX/XXXX, when I decided to file a chapter XXXX bankruptcy due to hardship, and that the balance of the loan was part of the chapter XXXX. 
Following the discharging of the chapter XXXX, I was monitoring and realizing that One Main Financial has not closed and removed its information, the loan was still open. So, I called to advise One Main Financial that the loan was part of the chapter XXXX bankruptcy discharge, the answer I was given " That's the way our information it is going to remain in your credit reports. ''
Consumer complaint received 2023-06-23
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)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 item 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 2021-11-15
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: Experian Information Solutions Inc. (FL)

I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against XXXX XXXX XXXX  XXXX XXXX.
Consumer complaint received 2018-09-19
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: CITIBANK, N.A. (IL)

I opened a citibank card to pay for one semester of graduate school since I didn't want to take out any more school loans after paying those off. It has been a huge headache ever since. I was on sick leave and thus, I wasn't registered from the time I ended school and the time I graduated. I had to wait for the next possible graduation date. I was not taking classes in Summer of XX/XX/XXXX. I took classes the previous semester and paid for those online with XXXX. There was a glitch in their system and they charged me for summer when I wasn't needing any more hours or classes. They have admitted to their mistake but because their system works with an outside billing system they asked me to open a dispute with my bank. I have done this five times. Each time citibank completely blows me off. I am XXXX, on a limited income, and trying to better myself by getting my XXXX XXXX and they have made my life a living XXXX. This is not my debt. Only have of what is on this bill is mine and I have stopped paying until they remove it, thus ruining my previous stellar credit. The charge on XX/XX/XXXX for {$3300.00} at XXXX is not mine, it is not for me because I was not registered at that time or taking classes. I completed my work that spring and have proof from the registrars office. This is an example of how Credit Card companies don't care about human beings. 

I will copy the email from XXXX here in case there is no place to upload a document. 


Begin forwarded message : XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX CDT XXXX XXXX <XXXX> Hello XXXX, Thank you for your email. After reviewing your request with the Registrars Office, it has been determined that your request is for directory information, so we can provide it without additional information. 

Graduation Date : XX/XX/XXXX This was the first graduation date available for your class, but this does not mean you took classes up until that point. You were on leave with an illness so you had to wait to graduate with the XXXX XXXX class but were not registered the summer of XX/XX/XXXX. 
Last semester of enrollment : Spring XX/XX/XXXX You were not enrolled Summer of XX/XX/XXXX or after summer XX/XX/XXXX and you should have received no charges on your student account after spring semester, XX/XX/XXXX I apologize that you are still having issue with your bank disputing the charges. Unfortunately, that is the process when this happens and I hope this letter is helpful. 
Please let me know if you have further questions. 

Thank you, School of XXXX XXXX University XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, ND XXXX P XXXX | F XXXX XXXX | XXXX
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union (WA)

I am writing to file a formal complaint against First Tech Federal Credit Union regarding a significant discrepancy in the APY rates promised and the actual rates applied to my rewards checking and savings accounts. 

In XX/XX/XXXX and XX/XX/XXXX, I opened First Tech Reward Checking and Reward Saving accounts, influenced by assurances from a First Tech Member Relationship Manager. The Manager assured me that both my rewards checking and savings accounts would receive a 5 % APY, with no conditions attached. Additionally, it was stated that for balances exceeding {$15000.00}, a 4.8 % APY could be achieved under certain conditions. These assurances were influential in my as well as through the First Tech app 's interface, I maintained a balance exceeding {$40000.00} since late XX/XX/XXXX. 

According to the information provided by First Tech employees and the app, I anticipated receiving a total interest of {$630.00} between XX/XX/XXXX, and XX/XX/XXXX. This was to be distributed as {$370.00} for my rewards checking account and {$250.00} for my rewards savings account. However, during my recent visit to the First Tech branch on XX/XX/XXXX, I was informed that my accounts were accruing a mere 0.01 % APY. This discrepancy has resulted in a considerable financial loss for me. 

Enclosed with my previous communication to First Tech were documents corroborating my discussions with the Manager, confirming the promised APY rates for each transaction. Screenshots from my account indicating a 5 % APY were provided. Additionally, during conversations with XXXX XXXX XXXX representatives about XXXX or ACH issues, it was reiterated that my reward checking account would only yield 5 % APY for up to {$15000.00}. The recording could be found under my phone numbers and my SSN and account.

Certainly, here 's a revised version of your message : I have furnished XXXX XXXX with all the necessary details, including the aforementioned information, screenshots, and the receipt, and have formally lodged my complaint. Despite this, First Tech contacted me to decline my appeal for the restoration of the originally guaranteed 5 % APY interest rate. I sought a written justification from First Tech during and subsequent to our conversation ; however, I was not provided with one. Instead, I was given the contact details for the First Tech Legal Team. My request remains straightforward : I urge the reinstatement of the 5 % APY interest rate as initially assured by First Tech Federal Credit Union.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc. (AK)

To whom it may concern : Both  my children were enrolled in the XXXX XXXX XXXX XXXX in XXXX Alaska From XXXX until XX/XX/XXXX. I paid consistently and on time twice a month. At the beginning of XXXX I put in a request for termination of service. I also received assistance for Child Care from the military as I am an XXXX XXXX XXXX. They paid a portion and I paid my normal XXXX on the XXXX and XXXX .. this was automatically took out of my bank account.. first week of XXXX my XXXX was deducted from my account. The children ended their time at XXXX XXXX on the XXXX. There should not have been a balance due at this time. XXXX XXXX proceeded to tell me I owed another XXXX. I argued with them that was false and showed them the record where I paid the first half of XXXX. Everything is pre pay! I had to pre pay them for them to start. They insisted I owed them more money. I agreed to pay half even though it was completely unfair and robbery but they said no. The bank even told me they had other clients with the same issue from this business. 
XXXX XXXX sent this bill to collections. I am currently XXXX in the XXXX XXXX with limited access to email and phone. I received the collection while in country with a notice saying if I did not dispute this account by XX/XX/XXXX I would have to pay in full, seeing as today is the XXXX and I just received the letter that is impossible. I would like to hold this company responsible for trying to over charge me and as well as the collection agency for the harshness of not being able to dispute while I am XXXX to a foreign country. 

any help or insight you can provide would be greatly appreciated! I am not sure what else to do. I know I have the right to see the justification for the charge but how and why does it make sense for me to pay a full month child care when my children were only in attendance for 2 weeks and I was instructed it would be prorated. If I was going to have to pay the full amount I would have left them in attendance for the full month Please excuse the harshness of this email as I am upset and already have a lot of stress in the environment I am in. I apologize if it sounds harsh. 

Please help Collection agency : Cornerstone Credit Services LLC Ref number XXXX Also they are trying to charge me interest when I am on a delayed timeline being overseas with limited access!! 

Very Respectfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WA)

On or about XX/XX/2018 i called XXXX XXXX to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

THESE ACCOUNTS IS NOT MINE XXXX - XXXX XXXXXXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
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. (NV)

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and Experian has refused me that right. I made a call to Experian XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. 

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.
Consumer complaint received 2021-11-14
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: Experian Information Solutions Inc. (IL)

I have checked my credit report and have been involved in some type of fraud. I have credit inquiries that are being reported to my credit bureaus that I did not authorize. Most of the credit inquiries date are the same. Some of the dates are old and some new but I did not authorize these companies to run my report and I would like these items removed.