davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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. (CT)

I am writing this due to non compliance with the CRAs ( XXXX, XXXX, Experian ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received notification from Bank of America ( via their XXXX app ) that I was pre-approved for a secured credit card. I submitted my application, online, and was notified immediately that it was under review. I received XXXX letters dated XXXX XXXX. 2016. The first advised that my application will be approved once the collateral ( {$99.00} ) has been verified by my bank ( also Bank of America ) and it states the card would be sent within XXXXXXXX business days. The second letter stated that I need to contact Bank of America to provide the requested collateral within 60 days. I called today XXXX XXXX ( on my vacation day from work ) and was advised that my application had been closed, and the rep XXXX '' advised she could re-open it with my collateral today. She then advised after attempting to re-open my my application I was denied based on my credit report. I advised that my letter said I was approved pending my collateral and explained that I had not received a letter that my application was closed no that I was denied due to my credit report. I told her I do n't understand how that could be considering I just received an approval letter and no denial letter.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (TN)

On XX/XX/XXXX, received a Notice of Collection Placement from EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX that I owed XXXX {$51.00}. I had closed my XXXX account in XX/XX/XXXX and the company ended up sending me back a refund, which I received in XX/XX/XXXX. I called EOS CCA and they told me I owed the money and I told them that was incorrect because XXXX owed me money when I closed the account and they paid me the amount of {$51.00}. The lady told me to call XXXX and gave me my XXXX account number ( XXXX ). I called XXXX, was on hold for over 45 minutes until XXXX, the XXXX account representative answered the phone. XXXX was very helpful. He told me that the account was closed and that there was a XXXX balance. He could find no instance where my account was sent to a collection agency. 
But just to be safe, he sent me to XXXX 's Finance Department, which I had to wait on the phone another 30 minutes, but XXXX waited with me, before anyone answered. My call was answered by XXXX, who told me my account was closed and that XXXX had sent me my refund of {$51.00} when my account closed in XX/XX/XXXX and the check sent to me in XX/XX/XXXX. XXXX told me that XXXX never sent my account to a collection agency and that EOS CCA 's Notice was fraudulent and not to give them any personal information because they were trying to steal my identity. I called EOS CCA back and told them that XXXX told me their letter was fraudulent and they they never sent my account to a collection agency and a manager told me if I didn't pay they would ruin my credit. I felt like I was being threatened to pay this collection agency or they would intentionally ruin my credit. 

I called back XXXX after this to get someone to help me and waited on hold again for 45 minutes before XXXX picked up the phone. He was very rude and told me I had a XXXX balance and if I wanted to clear up the issue I had to file a dispute claim with XXXX or no one would help me. I got off the phone with XXXX and I sent a dispute letter to XXXX asking them to clear up the matter of the collection Notice ( I also sent them a copy of the collection notice ). 

I am afraid this collection agency is trying to get money out of me that I don't owe and steal my identity. Even though I sent a dispute notice to XXXX, I am not sure they will do anything because they said they never put me into collection.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX  has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-06-25
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. (FL)

XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXXXXXNOT MINE XXXX XXXX   XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX   XXXXNOT MINE
Consumer complaint received 2019-06-25
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)

On XX/XX/XXXX I sent a dispute to Experian to ensure compliance on 4 items on my credit report. On XX/XX/XXXX I received a response stating the items were updated or remains. On XX/XX/XXXX I mailed a request to Experian asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Today XXXX XX/XX/XXXX ) I received new " dispute results '' from Experian just stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Experian did not comply with this request within the time frame allotted they need to delete the disputed accounts.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (WA)

XXXX has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect. 

I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency. 

I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR. 

The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine. 
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT. 

was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this. 

I am tired of this harassment and plan to seek out legal assistance to resolve this matter. 

XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2019-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc. (AL)

XXXX XXXX a loan was taken with XXXX.then went to XXXX In XXXX the loan was transferred to XXXX. In XXXX I lost my husband who was a veteran that is when I noticed my payments had not been applied. A XXXX XXXX rep stated that payable on death benefits had been applied insurance for the home no debt was owed. Then 6 months later XXXX came in play with new account numbers and new loan. I have never had a account with XXXX or ever gave consent to contract with them. XX/XX/XXXX caliber came in to play stated they foreclosed on my home. I have never had a contract with Caliber or XXXX. XXXX of XXXX XXXX XXXX enter my home changed the locks and put my items to the curb. i checked the county records and states now that XXXX XXXX XXXX   XXXX XXXX is the owner of my home I have had for 12 years. I would like to the the note, contract and Power of attorney gave them the right to do this to myself and my children. They put us on the streets, I was never compensated of any of the hard work and labor we put in to our homestead. A declaration of homestead was filed in the county also also asking for XXXX I also alerted the sheriff. All these entities have harmed and hurt my daughters and I. XXXX XXXX reality have my home up for sale. They were caught 2 years ago lying and stated XXXX foreclosed and I provided proof from XXXX admitting they never foreclosed. Was this not turned into investment why was I never compensated? Caliber sent a 1099 A to the IRS that I had income of this home of XXXX. How was this income they took my home and though me to the street and XXXX daughters. What is happening in America today is unjust and stealing homes some thing needs to be done.
Consumer complaint received 2019-06-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: GFS II, LLC (IN)

I get called every other day. They are nasty and rude. They even call family members and people we listed as a reference. I have asked them to stop calling and emailing me and they havent. I emailed them twice telling them to stop and to send everything through usps mail.
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

I suffer from XXXX XXXX XXXX. I obtained an XXXX system from XXXX XXXX to assist with my physical therapy. XXXX assured me that it obtained all necessary approval from my insurer and that it was fully covered under my policy and that I would not have to pay out of pocket. I was previously pre-approved by my insurer for another provider, but used XXXX 's services based on their assurance that this necessary medical equipment was pre-approved by my insurer, as well as the fact that they told me the other provider ( who was pre-approved as a provider by my insurer, thus i would not have to pay out of pocket ) could no longer perform the fitting of the brace because it no longer had an orthotist. However, XXXX never obtained the pre-approval and later sent me a bill for {$7300.00}, and I am not sure whether or not it is true that the other provider did not have an orthotist at that time ( I trusted XXXX at the time ). 
I disputed the debt based on XXXX 's prior assurances and representations, but XXXX failed to respond and sent it to a collection agency. I am disputing this debt with the collection agency as well. XXXX is claiming I owe them money, but I do not based on XXXX 's actions, false representations, and unfair dealing with me. I uploaded a timeline and better explanation of all of the events.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that these ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) were reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX -Balance {$170.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX {$100.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX -Balance {$100.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00}
Consumer complaint received 2019-06-25
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. (SC)

From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/23 I received and email from XXXX with an invoice {$550.00}, I didn't know why because I never made any purchase. I first check my bank account and there are no new charges. So I call XXXX or the phone number on the email. The phone picks up please wait for the next available operator. Someone gets on the phone asking how they can help me. I explain and he reply 's, no problem I can check on that for you. We go through the process for a long period of time. After the entire scam process, I was out of {$13000.00}. from my Chase Bank account. My argument with Chase Bank is how the hackers got into my account to begin with and able to make my account showing withdrawals and deposits that I had nothing to do with. My other argument with Chase Bank is when I came to the bank to withdraw a large sum of money, once for {$9600.00} and one for {$1500.00} why I wasn't asked by the teller what the money was for and if I knew who I was giving it to or familiar with the business or establishment I was dealing with if any, warning me of possible potential fraud. I would think that would be a common question especially with Chase Bank or any other large bank. Chase and the teller must be aware of many different fraudulent situations occurring everyday. Myself, an average consumer with no fraud or banking experience, would not have this knowledge. It is on the financial institution to safeguard their customers money and educate them especially when customers are withdrawing large sums of cash. So I have contacted an attorney and if this cant be resolved, that will leave me no other recourse but to take the appropriate legal action along with sharing with the news media and social media and whatever other means I can find. 

I have attached a detailed explanation of this scam along with detailed documents and police report. Please read in its entirety so this doesn't happen to you!
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as XXXX XXXX and Midwest Recovery, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX  of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2019-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (IL)

Chase is trying to charge me a second late fee and it is ridiculous and I refuse to pay it. 
The first time this happened it was a " technical '' error between my bank and theirs so they removed the fee. 
This time they set me up to make an auto payment on the phone on the last day of the month, full well knowing my payment is due on the XX/XX/XXXX and ten days late will give me a fee. 

My feeling is they do this on purpose, to make me pay fees. 
I will not do it. 
this is not something I did wrong, and I will not pay any late fees I am on XXXX and have very limited income. A late fee of XXXX or XXXX dollars is a lot What they are doing is fraudulent. 

They set me up for auto pay, with my bank account and the date. I called to set this up s. Why would they put it on a day where my payment would be late? NOT MY FAULT>
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

I tried to contact Jefferson Capital to obtain information which is currently on my credit report as a collection. I tried calling It's all automation, when I put in my information it states my account is being handled by yet another company and states to hang up and call another phone number/ company. I tried using Jefferson Capitals online service but when I put in my information online it states they can not find my information. If I owe anyone I'm willing to pay but I need proof of what I owe and whom I owe. I do believe they're using false tactics in order to collection.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (TX)

The complaint is about the credit scoring matrix of XXXX. I am always penalized egregiously by this credit agency for minor problems with my credit reports. For instance, just recently ( XX/XX/2023 ) my credit score was reduced from XXXX to XXXX due to XXXX late report of payment by my Discover card. This report was incorrect because I had worked out a payment plan with Discover to bring this one missed payment to immediate resolution. This XXXX incident caused my credit report to drop XXXX points! This reduction is outrageous and clearly beyond the scope of this agency 's role according to the rule of law that governs this scoring matrix. Please check this agency 's treatment of my credit scores.
Consumer complaint received 2019-06-25
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. (SC)

From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.