davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
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. (UT)

All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX  is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Equifax - XXXX XXXX XXXX,, Not reported XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IL)

* I have a 30 year fixed conventional mortgage of {$210000.00} at 2.875 % with an XXXX of {$870.00} without escrow closed on XXXX XX/XX/XXXX. 
* My lender seems to have paid my property taxes to XXXX XXXX without my knowledge or agreement for the year XXXX payable in the year XXXX. 
* I never got an explanation why it was done inspite of repeated emails and phone calls. 
* I never missed any of my mortgage payments since XX/XX/XXXX till date. 
* Also reimbursed the property tax payment back to the lender in XXXX of XXXX. 
* Lender violated mortgage agreement by increasing my monthly payment without any explanation * Lender violated mortgage agreement by imposing penalties and late payments that were never explained * Lender caused emotional and financial burden to me and my wife by sending foreclosure notices in spite of never missing a payment ( not even any late payments ) * Lender never contacted back or explained the reason for their accounting. 
* My account was reported to credit bureau this by damaging my credit history. 
* No action has been communicated back to the borrower for the request to reconcile, even after sending all the paid check images that was brought over and sent from borrowers bank.
Consumer complaint received 2019-04-13
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. (UT)

All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : Transunion - XXXX XXXX XXXX, XXXX   XXXX  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX,, Not reported XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc. (MA)

I recently had my credit information researched by a ID credit protection company and they informed me of the following information. I have never applied for a payday loan. 
Some one has used my name or SSN without my knowledge or approval. I don't understand how this could happen without me being contacted for approval. On XXXX separate occasions. If I had not had my information researched I would have never known. 

Your Social Security number and/or name has been found associated with a new non-credit loan. 

Merchant XXXX : XXXX XXXX XXXX Merchant Location : XXXX XXXX, CA XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX Customer Support : XXXX Fax Number : XXXX Email : XXXX Merchant Phone Number ( XXXX ) XXXX Loan Date : Unknown Loan Amount : {$850.00} Loan Status : Collections Loan Date : Unknown Loan Amount : {$900.00} Loan Status : Collections
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX 's XXXX is a internet company selling photography lessons. They lure people into a 10-day course with a charge of {$1.00}, only to open a line to your credit card and charge {$49.00} later -- without your permission. They are now in the second process of charging the credit card that was replaced for fraud from their organization. My situation is not alone, because other people have complained of the same fraud. Please help stop these people!!
Consumer complaint received 2019-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (UT)

CBE Group XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Payment was made by ACH onXX/XX/XXXX. Payment was reflected as received by issuer on XX/XX/XXXX. Increased credit due to payment was not made available for 10 business days. They say they are allowed by the FED to sit on ACH payments for 10 business days.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

number XXXX XXXX accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On the XX/XX/XXXX I sent Experian a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by Experian on Monday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with Experian for months information surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers licenses with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving. 

Today is day 5, I have not received any corespondents from Experian of them blocking this information. This is a violation. 

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law. 

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against Experian. 

**see affidavits attached**
Consumer complaint received 2023-07-05
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: Experian Information Solutions 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. 


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 2020-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (OH)

I paid XXXX XXXX XXXX the full amount of the debt that they are reporting on my credit in late XXXX or early XXXX of 2018. I spoke with them on the phone and gave them full payment. They said at that time that they had already began the process of sending it to a debt collector but they were going to remove me from their file. A few weeks later, I started getting calls from a debt collector and I explained to them that I had already paid this. I disputed the debt, spoke with XXXX XXXX XXXX, and it was removed from my credit report. The debt has since been re added by a different debt collector known as Franklin Collection Services. I never received any notice from this debt collector that they were putting anything on my credit. I spoke with the debt collector this morning and let them know that this has already been paid and that I never received any written notice of this. The agent refused to remove the debt.
Consumer complaint received 2023-07-05
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX.
Consumer complaint received 2019-04-14
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. (CA)

XXXX XXXX XXXX XXXX XXXX Contacted them they were unable to verify the debt, they said reach out to Experian to have them delete the item from my credit.
Consumer complaint received 2019-04-14
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: JPMORGAN CHASE & CO. (CA)

I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. XXXX XXXX  XXXX and XXXX 2. Chase Card XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX
Consumer complaint received 2022-11-30
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022 I received a text message pretending to be J.P Morgan asking if I made an absurd purchase that I did not recognize. I responded to the text with " No ''. They proceeded to call me right away, pretending to be Chase bank agent. They already had some of my personal information to gain my trust, then proceeded to tell me that my debit card has been compromised and must make a new one. This happened in a very unfortunate timing, because a few weeks prior to this event, my debit card was ACTUALLY hacked and there were multiple attempts of using my funds in absurd places like XXXX. So I had a real Chase agent help me get a brand new debit card on XX/XX/2022. Also beginning of the same month, my XXXX account was also hacked where my card and personal information was compromised and I believe it was the beginning of this huge downfall. 

Fast forward back to XX/XX/2022, the scammer successfully pretended to fix my debit card issue. And then he recommended that I also create a new account to be more safe. At this point, from my perspective, this was my 3rd time getting hacked in less than a month! Therefore I was in a very vulnerable mental state. So I trusted everything he said and followed his directions. He texted me a FAKE Chase website link ( XXXX XXXX XXXX XXXX XXXX  ) where he made me log in and give him the security code so that he can access my account. Then basically I was fully manipulated into wire-transfer all my funds to this " new account '' he created for me- which obviously was a lie- it was to a 3rd party bank. Most likely the scammer 's alias bank account. 

On XX/XX/2022 I began suspecting that I might have gotten scammed since there was no " new account '' created under my Chase account nor the funds came back. After hours of speaking with actual Chase bank agents, I was able to at least submit an identity theft claim. They told me to wait at least 9 days as they investigate. 

As of XX/XX/2022, today, I just got off the phone with Chase telling me that their attempt to get my money back was futile and unsuccessful and that there is nothing else that they can do. So I am left with no help other than going to the police. So this is my attempt at bringing justice back into my life by writing this to whomever it may concern. Life has been tough, and I finally made some money doing good work just to lose them to a scammer... There must be a way to investigate further and track down this criminal.
Consumer complaint received 2022-11-30
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. (NY)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account must be repaired : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account must be repaired XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-30
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Consumer complaint received 2020-09-15
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. (GA)

I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies. For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.