davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

XXXX fraudulent Sears credit card accounts were opened using my name and address on XXXX XXXX, 2016. This complaint is for the second of XXXX accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX of the accounts, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.
Consumer complaint received 2018-09-12
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)

This account was billed to a former roommate with my last name provided XXXX with copy of billing that does not include my name, they still left on my report. All 3 of my XXXX balance accounts were closed.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Outsource Group, Inc (AZ)

XXXX  XXXX XXXX did not charge my 3rd insurance and sent me to collections without collecting from insurance. I have contacted them multiple times. Medicredit is reporting the debt to my credit and it is incorrectbecause it wa=s never charged to 3rd insurance.
Consumer complaint received 2019-03-29
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 submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then XXXX card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.
Consumer complaint received 2018-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you
Consumer complaint received 2018-09-12
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: Innovis (NC)

I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX  on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AK)

I have submitted all the document to EQUIFAX that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that XXXX CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

I am ONCE AGAIN, attaching all the document HERE. These documents include a list of all the creditors who were listed and discharged. XXXX is on page XXXX and highlighted. This copy if STAMPED from the COURT. Also, is a COURT COPY of the DISCHARGE, showing ALL STUDENT LOANS were DISCHARGED. Also included is a copy of my Drivers license, a copy of a bank statement showing my address that matches, and the matrix from the court showing XXXX  was sent the paperwork FROM THE COURT, so they KNEW that 3 YEARS AGO, this was DISCHARGED. THEY DO NOT get to SELL this debt to someone else AFTER discharge to try and collect, so XXXX on my credit report NEVER should have been listed. I am TIRED of credit reporting agencies 'investigating '' and listing it as " ACCURATE ''. It so NOT accurate and here all the DOCUMENTATION to PROVE IT!!!! THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please see pages 16 and 17 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2018-09-12
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. (NC)

I have several opened disputes with Chase credit card. I have submitted additional information on each account as requested. Chase denied several of the disputes for example siting I did not submit documentation as requested. The disputes stem from merchants product as not describe to merchant 's mischaracterization of the described goods or services and/or dispute concerning the established quality of goods or services provided to me. For example XXXX XXXX made a reservation and the room was unsanitary the patrons appearing to have permit residence as welfare recipients. A woman XXXX in the hallway a group of people appearing to involved in a drug transaction, the room water damaged ceiling and the floor filthy with hair and debris. The particulars are within the dispute to Chase however it was denied on XX/XX/2018. I was notified by phone. I called back and explained the matter to a different representative and the case was reopened with a temporary credit. The problem with this particular dispute is I paid with Chase I called them at the hotel when there was a problem along with the merchant. I did not stay at the hotel, left and checked into a different hotel. I think it is obvious that I did not stay at two hotels on the same day, however Chase initially and incomprehensibly dismissed the dispute siting I did not send the information requested when I did and if I did not they could see the transactions and common sense would there are two hotel charges on the same day. It is basically the same with each dispute below. 


See dispute details This page displays all dispute ( s ) that have been opened, canceled or closed during the past 120 days. 

Click the case number to see details about a dispute. To cancel a dispute, click " Cancel dispute '' in the Action column. To submit a new dispute, click " Add New Dispute '' at the bottom of the page. 

My Disputes Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX   XX/XX/2018 XX/XX/2018 XXXX XXXX {$220.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX  IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX  {$220.00}
Consumer complaint received 2023-03-16
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. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-07-08
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX  Account # : 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
Consumer complaint received 2022-07-08
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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
Consumer complaint received 2022-07-08
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. (TX)

I tried to apply for a business Credit card and I was denied due to having too many hard inquiries on my credit report. Checking my credit report I noticed I didn't apply for these tradelines that are listed below. 

XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (DC)

Recently, I, ( XXXX XXXX ), was denied an extension of credit by Barclays. On XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). BARCLAYS has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. BARCLAYS should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

In early XXXX, I noticed I was unable to access account information on XXXX XXXX. There was no advance notification. Upon contacting customer service, I was told the loan was being transferred, and no further information is available, and no payments could be made. 

Now, I finally received notification of the loan transfer to Heartland. I then had to signup with Heartland for loan repayments. However, nowhere in the process did it mention the XXXX payment. It was totally unclear whether payments were for future installments, the past installment, or a combination thereof. I had to discuss with a representative, who had no idea if an XXXX payment was made, who then manually changed my XXXX payment to also cover the XXXX payment. There was no communication regarding the XXXX payment, or whether the new payments would cover the XXXX installment until I had to discuss and explain to them the loan change. This should not be the case. The loan company should be the one explaining how the loans are being bought and sold, not me explaining to the loan company how they are doing their business. Of course, the notice also mentions that late fees are waived for 60 days from the changeover, but during half that time I was unable to even access the account! If I had not been so careful in reading the documents and comparing financial payments to the 2 different servicers, I have no doubt that 60 days would have passed before any missing payments would have been noticed, and at that time, per their policy I would have been charged a late fee. However, there seems to be no repercussions for Heartland failing to keep their own records up to date, as I was told sometimes things are " delayed. '' I spent a significant amount of time with the CSR trying to understand why these delays are occurring and why there is a discrepancy between 60 days and 90 days, which is what they were quoting on the phone and in chats. At some point they told me, and then confirmed, that XXXX considers XXXX to be 60 days from XXXX for purposes of the transition, because of the missing XXXX payment which they were heretofore unaware of!
Consumer complaint received 2020-07-31
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. (DC)

XXXX XXXX  XXXX XXXX ( XXXX ) deleted thier entries on my credit report on XX/XX/XXXX and CFPB was notified.The Superiour Court of XXXX terminated all matters with XXXX with prejudice in XX/XX/XXXX. 

The credit bureas have'nt corredted my data in over a year. 

Despite this and letters to Equifax and XXXX  for the last few months ( more than 3 times in XXXX ), the entities haven't made corrections and deletions, verified data per the Fair Debt Collections Act, violated the 30 day investigation period, have false, misleading data on my report, and stubbornly will not make chanegs. 

I have sent verification data of my residence, identity, and other items to Equifax and XXXX  but they will not comply or cooperate. 

This is my 5th request in 120 days to corect the data.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (FL)

Atlantic Recovery Solutions called me on my cell phone at XXXX XXXX on XX/XX/18. They left me a vague message saying they were following up on a previous conversation we had. Literally 11 minutes later, they called me on my employer 's phone line from a different number and I answered. The employee, XXXX at first refused to say where she was calling from. She kept yelling at me " Did you get my email, did you get my email? '' and wouldn't let me speak. I then told her they do not have permission to call me at my place of employment. She then yelled at me " I can call you wherever and whenever I want ''. 

Her comments feel like stalking behaviors and I am concerned that my request to not be called at my place of empoyment will not be honored. Also disturbing- the email that she said was from her was sent by someone named " XXXX XXXX, not her. I don't know if a " XXXX '' even exists. I am asking that Atlantic Recovery Solutions cease and desist all contact.
Consumer complaint received 2019-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Harris & Zide (CA)

On XX/XX/2019 I received correspondence from Harris and Zide regarding an alleged debt. This is an unsubstantiated, alleged debt with XXXX XXXX XXXX, who has now sold/handed over my alleged debt to Harris and Zide without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A previous complaint was filed with CFPB against XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. I have missed a payment in XX/XX/2018 and was 30 days past due but now current. I applied numerous times for a loan modification to get loss mitigation assistance but did not get any help. Chase only gave me a loan forbearance option. I am XXXX XXXX XXXX and have an issue with refinancing since my DTI is too high because of excessive debt so I get declined every time and my credit score is too low at XXXX.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc. (SC)

I received a call on XX/XX/18 regarding a medical bill, for my daughter, for services rendered in Florida ( I am a SC resident ) on XX/XX/18. The company, NPAS, claimed that I owed an undisclosed amount on said bill. I asked a few questions about when the bill was sent and what address was on file. Note, I had the bill from the hospital in my hand, stating that after XXXX paid their portion all I owed was {$39.00}, which has been paid. When she finally told me that a bill had been sent in XXXX to my address, I asked her what name was on the bill. She went on to inform me that the responsible party had been updated in XXXX. If that be the case, how did I get a bill in XXXX ... she couldnt answer me. So with that being said, I asked, if a bill had been sent to MY address in XXXX, but my name hadnt been updated until XX/XX/XXXX, how was I to know that it was for me? I told her had I opened mail not addressed to me, it could be considered mail tampering. She agreed and said that she shreds or will return to sender any mail she receives personally like such. She was advised that I never signed for treatment due to me being 700 miles away, and that this account needs to be researched further. She said she would open an investigation. I have the whole conversation recorded for my records.
Consumer complaint received 2018-09-12
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. (TX)

My original complaint regarding XXXX and XXXX XXXX, ( Complaint Number XXXX ) on XX/XX/XXXX, I complained that the account had been taken care of through an accident and I was released of liability. Since the complaint, XXXX has updated the account to report an account charged off in XX/XX/XXXX to a late payment in XX/XX/XXXX. XXXX has updated the amount from {$12000.00} to my being currently past due of {$13000.00}. How can this be? 

I have uploaded the release that was signed in XX/XX/XXXX, so it is beyond me why XXXX would report false information.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Both EQUIFAX and XXXX XXXX are in violation of my federal rights. Even though your agency has been involved and updates were made, they have now been " reverted '' to the original errors to purposefully harm me. 

XXXX XXXX was charged off in XXXX. I then settled with XXXX  XXXX and paid the agreed upon balance in full, on XX/XX/XXXX. 

As of XX/XX/XXXX, My Equifax report is showing it as a Delinquency in Collection Status and the last reported delinquencies were XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX ( the actual charge off date ). Their intentional and willful disregard for my rights has impacted me financially with interest rates and turn downs of credit.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/XXXXI have notice that COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX balance of {$1500.00} has appeared on my credit report. In addition this piece of information it should not have been replaced on my credit report, On XX/XX/XXXX this collection has been removed /deleted from my credit report. Previously deleted information was reported to my credit report and is now harming my credited report.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (IN)

On XX/XX/2018 a cashier check in the amount of XXXX and notorized contract and rules written on check was sent to Consumer Collection Management via certified mail. On XX/XX/2018 the collection company signed for mail. On XX/XX/2018 Cashier check was cashed via bank contract violated not abided by because debt remains on XXXX credit report as of today XX/XX/18.