davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
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. (AZ)

I am a victim of identity theft several accounts were opened fraudulently. I have a identity theft affidavit and police report. Equifax hasn't updated or fixed the inaccuracies on my credit file. The accounts that need to be deleted are as follows. XXXX  XXXX # XXXX, Dept of ed/ XXXX  # XXXX three accounts were opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX  XXXX XXXX  {$2900.00} opened XX/XX/XXXX, XXXX XXXX  opened XXXX XXXX {$73.00}. All these accounts are inaccurate.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (IL)

I received a phone call from phone number XXXX XXXX XXXX XXXX. the lady said they were sending the police out to serve papers on my wife. I asked what it was about and she said I would need to speak with the attorney handling the case. I was transferred over to a XXXX XXXX who was not a lawyer. He said it was for an old debt that my wife had. He told me that with court costs that it was around XXXX dollars but the would take less. This is after he tried telling me his life story about his XXXX kids, ice fishing which I did not care about. He gave me his number which is XXXX. My wife called and ask them to send the information to our address. With who the loan was with, when it was taken out, what they were willing to take as a settlement. She was transferred to a XXXX XXXX XXXX who refused to do any of that and threatened her with legal action. XXXX XXXX XXXX told her that it was XXXX dollars that she owed with court costs. We have never received any thing on this bill before. The number XXXX has called me since then. I feel this is a scam and that they are very unprofessional. There should be no reason the information shouldn't have been mailed to us. When I looked them up on line the adr lawgroup is out of the west coast. So I looked them up as adr group and found them on several sites like ripoff.com. Which states they are a scam group. there is no mention of this bill on any of my wife credit reports.
Consumer complaint received 2022-12-02
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. (PA)

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 account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (CA)

Chime was offering a bonus of XXXX XXXX when sign up for a new account and receive a direct deposit of {XXXX} or higher in XXXX XXXX. On XX/XX/17 I opened a Chime account through XXXX and I completed the direct deposit requirement within 30 days. The activity ID on XXXX for this account opening activity was XXXX. Per the terms, I should have received the bonus within 60 days. However, it has been almost 90 days and I still have not received the XXXX welcome bonus points. I have tried to contact XXXX but they claimed my activity was not tracked properly in browser and they suggested me to reach out to Chime to locate my bonus. I believe the response provided by XXXX is a lie because I indeed got the activity ID which is a proof of such activity. Chime is an amazing virtual bank and I want to keep my relationship with Chime in the future. Can you please coordinate with XXXX and credit the welcome bonus of XXXX XXXX XXXX XXXX XXXX ( equivalent cash value of XXXX XXXX ) into my Chime? My XXXX ID is XXXX, if this helps. Attached is the detailed promotion terms and a copy of my bank statement. Thanks!
Consumer complaint received 2019-07-28
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: HSBC NORTH AMERICA HOLDINGS INC. (WA)

XX/XX/XXXX XXXX mailed me a notice regarding an old debt I received it on XXXX stating I owed XXXX and last payment received was XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to XXXX XXXX on collecting a debt, also filing a complaint with XXXX. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XXXX the debt collector answered my complaint with XXXX and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.
Consumer complaint received 2019-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon monitoring my credit reports because of identity fraud this new account appeared on my transunion report and called the place but was put on hold then someone hung up on me! I disputed this account XXXX XXXX and immediately sent FTC report to Transunion and to XXXX XXXX! Transunion received my certified mail with the FTC report copy of ID and such and did not do anything about this fraudulent account! They did not investigate it! I disputed this fraudulent account once again and transunion still has not done anything about this! They sent a letter stating that they would not be blocking this fraudulent account!!
Consumer complaint received 2021-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I attended XXXX XXXX that has since closes in XXXX VA and was told that they would soon have the accreditation that would transfer by the time I graduated. I am a veteran and had my entire tuition paid for except for a total of XXXX that I paid back in full. Years after graduation, I was told that a loan for the exact same amount on the same days was taken out for a campus in Florida. I contacted the Florida campus and talked to the XXXX who assured me that I have never been enrolled on campus or online. I have filed a Borrower 's document for protection.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (FL)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consum
er to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

YOU ARE IN VIOLATION OF THESE LAWS PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE!
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has continuously tried to collect debt that was a result of identity theft, when I was sick for 3 years and had a breach in my identity through XXXX. Also, while my account is under investigation, I have continuously made monthly payments on my accounts, in an amount proposed and approved by Capital One and still, on a weekly basis, they report incorrect negative remarks and amounts to my to the credit agencies ( XXXX, XXXX, and XXXX  ) ; even while my account is under dispute with the CFPB. The amounts of my balances on my two credit cards with Capital One, ending in XXXX and XXXX, are incorrect and Capital One are reporting incorrect balance amounts. Also, Capital One placed one of my accounts, ending in XXXX, in collections, after they placed me on a payment plan, while I'm making payments, and after I reported the incorrect balances to the CFPB. Also, I can no longer view my account ending in XXXX, online nor in the app, and no staff/tech staff/nor supervisor can tell me why. I have been transferred to various departments and staff to have this problem rectified and to date, it still has not been rectified. I have been told that they do not know why ; however, this causes me not to be able to see updates to my account. Also, on XX/XX/XXXX, I reported Capital One to the CFPB regarding reporting incorrect balances they continuously report to the credit agencies and regarding the fraudulent charges, and it's been over 30 days and they have not responded in resolving the issue and it's been over 20 days since they last responded to the CFPB that they are still working on the issue. But, they continue to report negative remarks and incorrect balances on a weekly basis, which have affected my credit score by over 50 points. I would like for Capital One to report the correct/updated balances of my credit card accounts to the collection agencies, resolve the fraudulent charges, take my account ending in XXXX out of collections, and fix the issue of me not being able to view my account ending in XXXX online or withing the App.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested XXXX, XXXX and Experian to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.
Consumer complaint received 2019-01-30
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. (FL)

In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XX/XX/XXXX because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

Sincerely, XXXX XXXX
Consumer complaint received 2018-05-25
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Navient Solutions, LLC. (IL)

Currently I am being harassed through phone calls, emails, written mails, etc by Navient for repayment of federal student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for the past few years and I am current. I am pregnant and this harassment is a huge inconvenience and very unhealthy
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 



Acct. XXXX XXXX XXXX XXXX late 30 days XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX  inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

Receivables Management is attempting to collect money and interest on a account that I do not have Patient Responsibility for the medical billing error. They have recipes the Explanation of Benefits prior to this account becoming a collection. On XX/XX/XXXX I received an EOB that I am not responsible for dates of service at XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for my son XXXX XXXX. XXXX XXXX had this information and still sent it to collections, and its illegal for a collection company to charge you interest on medical debt.
Consumer complaint received 2019-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (GA)

Mariner Finance has been posting missed payments, due to my unemployment, to my credit reports. The missed payment reports are legitimate. However, they are reporting that my principle loan is more than double the actual amount. I have accounts with XXXX, XXXX XXXX and XXXX XXXX so when anything on my credit report changes I am immediately contacted. In early XXXX I received a notice that my loan was renewed with the principle amount of {$6800.00}. The actual amount was {$3000.00} to which I have already paid over {$1500.00} during 2018. I contacted the company on 5 different occasions about the amount they are posting. The last time I spoke with XXXX he asked if I received their court papers in the mail. At that point I stopped communication with them to wait for the court documents that I still haven't received. So they have called my sister 's cell phone twice and left messages saying I owed them money and that I was behind on payments.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested Equifax, XXXX and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Resources (TX)

XX/XX/2016 a debt collection for a XXXX dollar medical bill showed up on my credit. I googled the debt collection company and called them and asked them to please send me proof of the debt. I had never received a bill from the hospital for XXXX and all my other hospital bills were paid. After I got out of the hospital in 2016 and after paying all my bills I ended up moving states. I think that what happened was the bill was sent to my old address and I never ended up seeing it and no one called me. When I called the collection agency they were very rude and said I owed them the money and how would i like to pay. I asked them to please send me proof to my new address which i gave them. Instead they just kept calling me and sending letters that I owed them. They never verified the debt. I finally called them back again and asked if i paid them the XXXX would they remove the negative collection from my credit and they said no. I think this is an unjust collection report on my credit since I moved and did not ever receive the bill in the first place.
Consumer complaint received 2022-12-30
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. (WA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are deleted right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (OH)

In XX/XX/XXXX, I discovered General Revenue Corporation had been re-inserted into my credit file for XXXX, XXXX, and XXXX after being disputed and removed in XXXX. Under the FCRA, I should have been notified of any reinsertion and to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did NOT receive any such notification. Also, they have continuously increased and decreased the amount of debt. Which has caused great damage to my credit score and has changed the ORIGINAL date of first reporting date. Please delete this item immediately as to am now seeking legal counseling to pursue further actions. This has been an ongoing issue and they have proven to be deceptive and continuously violating my consumer rights.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (VA)

On XX/XX/2019, chatted with company representative asking that my account be closed. Representative indicated that account would be closed within 2-3 business days. On XX/XX/2019, received an automated call indicating my closed account had a negative balance of {$58.00}. Upon logging into my account, I see that company has not closed the account as requested, has charged a monthly maintenance fee of {$25.00}, and has charged the account a {$34.00} overdraft fee.
Consumer complaint received 2022-12-02
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Experian and XXXX are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  ; According to FCRA Section 605B ( a ) Experian and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.