davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I went in to have some tests run at XXXX XXXX and they were given a list of tests to run by my surgeon for a XXXX clearance. They ran all of them but one test was the wrong type of test that I had already paid for. So they told me to come back in the next day at no charge to me since it was their mistake and get the correct test. Then XXXX XXXX started sending me bills. I called XXXX XXXX and they assured me I did not owe for this as it was THEIR mistake and they would notify XXXX XXXX as well. Now the account is in collections and damaging my credit when I NEVER owed it to begin with! This needs to be removed immediately!
Consumer complaint received 2019-06-30
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. (MI)

On XX/XX/2019 I sent a dispute letter to Experian. Disputing a medical collection account from XXXX XXXX XXXX. In that dispute letter i asked Experian for proof of verification for the account or delete it. An original consumer contract signed by me. Experian verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Experian with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Experian is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Experian ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.
Consumer complaint received 2022-04-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX 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 2024-03-08
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

RE : CONTINUED HARASSMENT AND THEFT BY TD BANK Hello TD Bank : XXXX XXXX President of TD Bank wrote us a letter in XX/XX/2022 ( attached ) advising that our bank accounts would be abruptly closed on XX/XX/2022. 

Why then are you continuing to keep it open and charge my account bounced check and overdraft fees when it was obviously emptied in response? 

Please refund those immediately since XX/XX/XXXX and before. 

In addition, why in XXXX is your merchant service continuing to attack us with credit card charge backs ( repeatedly presented after we originally won them ) when the XXXX XXXX account termination letter also stated that our merchant service accounts would be closed on the same day, XX/XX/2022, and we have not used them since XXXX after having switched both our bank and our merchant accounts. 

This only forces us to continue to prepare and respond to useless, already dealt with, and already won credit card charge backs, thus wasting our time, resources, money and energy - or is this your goal, to continue to hurt our small business, long after you chose to disrupt it by abruptly closing our accounts because we filed government complaints about your XXXX service? 

One more time - close down these accounts immediately, so that we no longer have to hear from any of you, ever again, otherwise we will once again file government complaints against TD Bank and its associated merchant services, again. 

Be guided accordingly.
Consumer complaint received 2024-03-08
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. (VA)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2022-09-28
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: Experian Information Solutions Inc. (TX)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX I was scammed out of I thought I was moving to XXXX and I got there and someone lived there. It started in XXXX. It will not let me send you the FAKE lease
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously had an auto loan with XXXX XXXX XXXX. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on Transunion, XXXX  & XXXX  ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with Transunion, XXXX  & XXXX  as well as XXXX XXXX XXXX, with no resolution!!!
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-08
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. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (KS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This is XXXX XXXX XXXX submitting this CFPB Complaint to request to the Credit Reporting Agencies to have the disputed items corrected and or deleted from my Credit file. I sent a letter on XX/XX/2022, requesting that the Credit reporting Agencies reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}. These accounts are reporting erroneous information and needs to be updated. Under the Fair Credit Reporting Act, Credit Reporting must be accurate and correct, otherwise, the accounts must be removed from my Credit File as soon as possible.
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I received an offer to pay a debt to a company that i have no business with. I have never heard of, nor have done business with Midland Credit before. The first i've heard of this company was today, with 3 different offers to pay by the month for a total of {$290.00}. If this company can show me when and where I signed the contract with Midland Credit, I'll be happy to read it, but I know they dont.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and out of no where i saw some alarming false information on my report from TransUnion. I'm not sure how such a huge error was made by a multi-million dollar company but non the less, it has harmed me TREMENDOUSLY. IT is a clear violation of my consumer reporting rights, it i need it fixed ASAP. TransUnion is reporting a bankruptcy on my XXXX XXXX. I have never filed for bankruptcy, nor have i ever missed a payment on that XXXX  card. So please tell me how it can be showing up on my report as a bankruptcy? I need help, this stuff is really hurting me.
Consumer complaint received 2022-09-28
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3100.00} XXXX  XXXX XXXXBalance : {$440.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

To whom it may concern, I have been in contact with Experian and transferred from department to department to resolve this. They have informed me they can't fix it on their side even though they control it. The following is what happened. 

I applied for a refinance on my mortgage. My mortgage company came back with my credit score. They informed me what adversely affects my credit score. The values were XXXX, XXXX, XXXX, XXXX. They informed me that a couple of those values mean " To many accounts with balances ''. Another means that I'm using to much credit. 

I tried to dispute this will Experian because # 1. I am only using 5 % or less of my available credit. 
# 2. I have 1 out of 9 or 10 credit cards that have a balance. 

So there is no way i can have to many accounts with balances. Also there is no way I'm using too much credit when I am only using 5 % of my available credit. I have 2 car loans, 1 of which is almost paid off. The other car loan is around XXXX. Then I have 1 credit card that carries a balance. What they reported to my mortgage company is false. I paid Experian {$4.00} on their website for my mortgage score and it shows exactly what my mortgage company pulled. I understand mortgage scores can be a little different BUT THEY SHOULD NOT HAVE FALSE INFORMATION. 

When speaking with Experian reps, I received the " run-around ''. They kept switching me from dept to dept. They informed me there is no way to internally investigate. They informed me there is no way to dispute that information. Then i was informed that maybe my mortgage company pulled a " XXXX : score. I informed them mortgage companies do not pull XXXX scores. They do not use those for mortgage loans. My loan disclosure clearly state that experian was used. Do to Experian 's lack of updating my reports I will suffer from higher interest rate over the life of my loan. 

The day I was on the phone with Multiple Experian Reps was XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALPHA MIDCO INC (IN)

I was told this was an attempt to collect several different medical debts that XXXX  sold it to some place called sapientes funding to cover up that it was medical related, who then handed it over to XXXX XXXX XXXX to handle. These debts were paid by insurance and all copays were paid. There should be no debt owed.
Consumer complaint received 2022-09-28
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.

NEGATIVE ACCOUNTS : -XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I wrote about a month ago about a late fee Target refused to refund me. This fee was under dispute and now I get a bill with a late fee on top of that late fee. I understand I was late paying my bill- but I have been displaced from my house for over a year due to a store and was living between an rental home and spent the last 5 months in a hotel room with my family. Picking up mail and staying organized was a bit of a challenge when you work 60 hours a week and are between your home and a hotel room. PLUS I disputed the charge and only just got the decision from CFPB- while this was under dispute I should have gotten a 1 month reprieve on paying the late fee while it was being disputed. BUT NO I got charged another {$30.00}. I refuse to pay this -- Target is taking advantage of me and I called and they acknowledged the fee was under dispute and said too bad- you are now charged another fee. 
I work for a financial services company and know CFPB is pushing for banks to waive overdraft and nuisance fees... why not push to have this credit card company waive a fee for a family that is displaced from their home and living under very difficult conditions. 

I hope Target enjoys the {$60.00} in fees and it was worth losing a customer -- I will NEVER shop in that store again and I will not pay this additional {$30.00} fee -- it is taking advantage of a customer that had a fee under dispute and it is despicable. Customer loyalty goes both ways and if they will not address this with waiving a fee then they will never get a loyal customer out of me or my family. This is the only recourse the consumer has anymore -- ban the brands that do not take their customers seriously and do not align with our values. My social circle is large and we all feel the same -- Target will be my target -- hope the fee revenue was worth the ding on your reputation and your future revenue.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (FL)

I owed {$120.00} for XXXX XXXX XXXX. I had mailed {$64.00}. I went to the website and made the remaining {$64.00} by credit card ; however, {$64.00} did not reflect towards the balance.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm a victim of fraud and someone used my personal information to attempt to collect credit products in my names. Does inquiries Consist of : 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 2023-06-22
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.