davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-27
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

This took place in 2010 when I first moved to Arizona. I was playing with stepsister at pizza party climbing in XXXX gym and broke a few ribs. The emergency room Dr. never informed me I guess he did not except my insurance. So they could n't get money from me the XXXX time around when it was XXXX they sell it to another collection place and they want XXXX I live on a fixed income XXXX mo. how can I pay
Consumer complaint received 2021-09-23
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. (TX)

I HAVE ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have been a member of the XXXX card since 2014 where I made a purchase and paid my debt off. Recently XXXX closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my accounts.
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: COAST PROFESSIONAL INC (ID)

I RECEIVED A LETTER FROM COAST PROFESSIONAL INC STATING THAT THEY ARE GOING TO GARNISH MY WAGES FOR MY STUDENT LOAN DEBT. I HAVE NOT RECEIVED ANYTHING FROM THIS COMPANY BEFORE AND THEY ARE NOT WILLING TO TAKE A PAYMENT PLAN FROM ME. AND NOW I HAVE 2 WEEKS BEFORE THEY GARNISH ME.

IF THIS HAPPENS THAT WOULD PUT ME OUT IN THE STREET I WOULD LOSE MY HOSE BUT THEY DONT SEEM TO CARE.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

So today I received a notification that a XXXX XXXX credit account, allegedly mine was closed. I then used due diligence and fully investigated my credit report, and noticed an immense number of things on my credit report that didn't belong to me. First and foremost, I was just incarcerated for attempted murder and a number of other offenses, from XX/XX/XXXX to XX/XX/XXXX ; I served a sentence of XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX in the Pennsylvania Department of Corrections. With that being said, the XXXX  XXXX account which I previously mentioned was opened in XX/XX/XXXX which indicates that I couldn't have opened this account being as though I was in prison. Furthermore, Experian, XXXX, and XXXX has engaged in the act of fraud, violating 15 USC Section 1651e et seq, as they have reported fraudulent information concerning me which I did not consent to, approve of, etc. Wherefore, I am asking that the credit bureaus and/or reporting agencies remove the following accounts from my credit report, as well as, any inquiries ( hard or soft ) that are related to these accounts. The accounts are as follows : ( 1 ) XXXX  XXXX opened on XXXX XXXX, XXXX ( 2 ) XXXX XXXX XXXX  opened on XX/XX/XXXX ( 3 ) XXXX XXXX opened XXXX XXXX, XXXX ( 4 ) XXXX/XXXX  opened XX/XX/XXXX Please, delete these items from my credit report, as I was locked up while all of these accounts were opened.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

Attention CBE GROUP, you are currently unlawfully furnishing false credit information as a result of an attempt to collect an alleged debt that I do not now nor have ever owed to you. You have obtained my nonpublic personal, private and confidential information WITHOUT my consent and are currently storing the same information as a result of identity theft and unauthorized use of my nonpublic personal information. As a non interested third party I have sent you a Notice to Cease and Desist your hostile and adverse actions against me immediately. You are in violation of Federal Law for all of the aforementioned actions. Contacting me without my consent is also a violation of Federal Law, as a Federally protected consumer I will not hesitate to pursue any course of action necessary to protect my rights and enforce my jurisdiction over you for violating, 15 USC 1692, and any other applicable law, including other sections Title 15 Chapter XXXX. Consumer law is put in place for consumers such as myself to enforce and ensure that violators like you and your subordinates are held accountable to the full extent of the law. 
This is your one and only chance to remove yourself from these matters without any further action, if ignored your violations of Federal Law will be brought to light and I will ensure that you are held accountable for every adverse action you have take against me. Any documentation you send in opposition to the following demands will be used as evidence to support the facts as I have shared them. You have 15 days to comply.
Consumer complaint received 2022-12-01
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. (MD)

I sent out my first dispute on XXXX on a XXXX XXXX XXXX. I sent the letter certified mail and I also sent a follow up letter on XXXX about this same account and the error was not updated or deleted. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This account it not.. I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. 

Here is the letter I sent : I sent this letter to all 3 credit bureaus. I also sent this same letter again on XXXX and as of today XXXX the account has not been updated or deleted. 



XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX XXXX # XXXX 1 ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports date XXXX. Please Delete this inaccurate information off my credit report. 


I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2019-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

TransUnion is reporting a charge off from XXXX XXXX that is not mine. I attempted to correct the problem with XXXX XXXX, which while acknowledging the problem over the phone XXXX XXXX did nothing to remove the bogus account and charged off a balance due that was not mine. TransUnion did nothing more than contact XXXX XXXX, which verified the debt. In my dispute I suggested that TransUnion demand documentation from XXXX XXXX that would support the balance due, such as loan documents, account statements, etc. ( which simply don't exist and which I requested from XXXX XXXX and were never produced ). TransUnion has done nothing to truly investigate this dispute and has provided me with no information other than XXXX XXXX verified the claim. Furthermore, XXXX XXXX, has created a false history to support the bogus debt. I have no accounts with XXXX XXXX  and haven't had since XXXX. XXXX XXXX shows a payment history up through XXXX on an account that is identified as a 60 month loan, that never occurred. I started receiving notices from XXXX in XXXX and promptly called XXXX XXXX  demanding they fix the error. XXXX XXXX did nothing, provided no documents to support their claim. XXXX XXXX and TransUnion have violated the law and should be held accountable.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2019-05-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TX)

I first noticed XXXX XXXX reporting information of an alleged debt on my credit report. I wrote asking for validation with certified mail number XXXX, which they got in their office on XX/XX/2019. As of date they have not sent me any information about what they are reporting and claiming I owe. When I pulled my report again I noticed they are still reporting and updated the account on XX/XX/2019, they failed to follow FCRA 1682 ( 3 ) rules by not marking the account as in dispute. Additionally, the Texas Finance 392 code says if a company can not validate or even have enough time to validate the alleged debt they have to stop reporting and collecting, neither was done.
Consumer complaint received 2021-11-19
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: BARCLAYS BANK DELAWARE (HI)

I tried to purchase pet food using my Barclays XXXX XXXX credit card from a local company on XX/XX/XXXX this year. The merchant said that it did not go through, so I said to try again. It still did not go through so I did not make the purchase, bought a smaller amount with cash. 
I noticed two days later that there were two pending charges for {$85.00} each from that merchant ( XXXX XXXX XXXX. ) At that time I wrote a message to the credit card company to inform them the purchase was wrong. They replied that it must first go through and then to file a dispute. 
I did file two dispute inquiries and also went to XXXX XXXX XXXX to speak to the owner. 
She had no record of the two transactions since they did not go through. 
I spoke to the credit card company and later received two letters.

One stated that I had no paperwork to back up my account of this, which is true since the purchase was not made. The second said that I had waited too long to dispute it. 
I take issue with both of these replies since I did initiate communication with them Immediately and I can't prove that I didn't pay for something since there is no receipt. 
I have been charged {$170.00} for items I did not purchase and the credit card refuses to credit this back to me.
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

In XXXX I initiated a XXXX transfer from my Bank of America business account for what was suppose to be a deposit for an artist performance at the end of the month. When I ended up being defrauded Bank of America said there was nothing they could do. Basically, my business has no protection at all against fraud because I used XXXX but the app is connected to my business account. I'm a XXXX XXXX of XXXX  children and it's disheartening to know someone can easily scam there way out of money and the banks don't protect it nor do they attempt to correct it.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Hi. I opened AMEX credit card on XX/XX/XXXX because they advertised that they would give free XXXX Delta bonus miles after spending {$3000.00} in three month. However, I didn`t receive the bonus miles in three months after spending more than {$4000.00} in three months, so contacted them on XX/XX/XXXX, asking for it. Below is what they said : " XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. '' XXXX - XX/XX/XXXX XXXX XXXX " I see that you have met the spending limit already, however once you meet the limit, it take 6 to 8 weeks to receive the bonus. '' XXXX - XX/XX/XXXX XXXX XXXX " I would request you to wait for some more time, you will receive the miles. '' So, I waited couple weeks more, but I never received. So I reached back to them on XX/XX/XXXX. Below is what they said : " in this is an on going issue where the Card Members have not receive their welcome bonus. Let me go ahead and raise an inquiry on a priority basis with our Marketing team '' " I apologize for the inconvenience XXXX. Since you are eligible for the welcome bonus offer. Hence I've raised an inquiry in this matter. '' XXXX - XX/XX/XXXX XXXX XXXX " It may take up to 6-8 weeks for this inquiry to resolve. '' So, I waited more and reached them on XX/XX/XXXX. 
Below is what they said : " XXXX, I see that you have already submitted an investigation to resolve the matter '' XXXX - XX/XX/XXXX XXXX XXXX " We opened an investigation on XX/XX/XXXX it usually takes 6-8 weeks to resolve the investigation '' I reached out to them four-five times more until today. They even gave me the case number : XXXX, that was never solved.. I regret that I opened this card. I couldn`t buy the Delta flight that I was going to buy with the bonus miles. This is ridiculous.. Why did they advertise that way then? I would`ve opened different card, right? Please help me on this issue with American Express.. 

Thank you very much! 

XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting 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)

Please delete and remove these inquiries. My information may have been impacted by XXXX data breach and my identity has been compromised which has made my sensitive personal information vulnerable. 

I have no open account ( s ) with any of this company : XXXX XXXXXXXX XXXX  XXXX Inquiry Date- XXXX XXXX XXXX XXXX Inquiry Date- XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX- Inquiry Date XXXX Additionally, I have NEVER been associated with the addresswhich is listed on my credit report : XXXX XXXXXXXX XXXX  XXXX, XXXX, Il XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Per , `` 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished on my report.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (MT)

XXXX on XX/XX/2022 i sent a written wire transfer request of {$50000.00} to Navy Federal Credit Union ( " NFCU '' ). 

XXXX on XX/XX/2022 the money to be wired was withdrawn from my account. 

XXXX as of this writting, XX/XX/2022, the money has NOT been received by the receiving institution- XXXX XXXX XXXX XXXX XXXX  XXXX. NFCU has yet to provide any confirmation by the receiving bank. 

XXXX despite DOZENS of calls, emails, messages to NFCU has not returned my money XXXX. XXXX despite DOZENS of calls, emails, messages to NFCU XXXX all that NFCU states is that they are " researching it '', " escalating to supervisor '', etc...
Consumer complaint received 2021-03-09
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 have a closed c/o with XXXX  XXXX  listed on my experian credit report. I have disputed the account well over 5 times in the year with dispute, i've listed multiple issues with the account and inaccurate information listed on my report. After filing a complaint against XXXX XXXX with cfpb on XX/XX/XXXX, the issuing bank XXXX  XXXX  sent me a letter dated XX/XX/XXXX claiming the account correct and valid. using the letter XXXX  XXXX  sent and information listed in said letter, I disputed the XXXX XXXX account with experian again on XX/XX/XXXX and disputed almost all information listed for the account on my experian credit report. using the account information that XXXX  XXXX  provided the following errors are listed on the account for XXXX  XXXX  that experian updated on XX/XX/XXXX as verified from XXXX   XXXX. 

CR= Experian credit report. 
LTR= XXXX XXXX  letter acct open date. 
CR-XX/XX/XXXX LTR- XX/XX/XXXX Payments CR-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LTR- No payments ever. 

Late payment dates CR- 30 day XX/XX/XXXX, 60 day XX/XX/XXXX, 90 day XX/XX/XXXX LTR- XXXX XXXX claims no payments ever, lists account as opened XX/XX/XXXX more than 90 days before first listed missed payment. 

Charge off CR- c/o list in XXXX LTR- XXXX XXXX lists c/o XX/XX/XXXX then lists account sold to DC on XX/XX/XXXX and then reports c/o after account is sold in XX/XX/XXXX. 

XXXX  XXXX  in their own letter lists an application for installment loan account as approved on XX/XX/XXXX, but not opened until XX/XX/XXXX. 

the account for XXXX XXXX is still currently listed on all 3 of my credit reporting agencies, almost no information is listed correctly on any of the 3 and all 3 have various missing information. 
experian lists on the account last update from XXXX XXXX as XX/XX/XXXX, dispute sending me numerous alerts about the account information being updated from XXXX  XXXX. 

The letter that XXXX  XXXX  sent to me about the account, in their own words claim as accurate reported information directly contradicts what experian claims as accurate infomation listed on my experian credit report. 

at this point the online experian dispute center give not updates for my disputes since XX/XX/XXXX and all email dispute updates I'm sent open into an error message. leaving me being told my disputes are updated and that information for the account has been updated. viewing my current experian report on experians web site along with a purchased report from XXXX on XX/XX/XXXX. no corrected information found account information listed same as the beginning of XX/XX/XXXX. all information appearing to be listed in error when compared to XXXX  XXXX letter listing their accurate information about the account still listed on experian report unchanged as of- XXXX ; XX/XX/XXXX
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 2022-06-06
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)

In accordance with the Fair Credit Reporting act XXXX Account #, 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 2022-12-01
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)

Equifax and XXXX has wrongfully allowed XXXX XXXX XXXX to report an account and have added to my credit file as a collection/derogatory account. I have disputed this account already and this account is still on my credit file. I have attached copies of the lease which shows the lease and Jetty information about the surety bond dates/agreement was altered and changed without notifying me. The dates are fraudulent dates and incorrect dates which is inaccurate. According to the Fair Credit Reporting Act no creditor, debt collection company or credit bureau can report any information thats not accurate and this information is not accurate. As a consumer, I have the right to file a lawsuit against Equifax, XXXX and XXXX XXXX XXXX for reporting this inaccurate and false information. Its in XXXX and white and Im sure the judge would love to review this case. Also, because Equifax and XXXX allowed this company to report is 100 % liable as well and will pay for punitive damages. I have reached out multiple times. I have attached altered dates which is in XXXX and white. XXXX and Equifax has 10 days to have this account completely removed from my credit file if not I will file for a lawsuit. You all have violated my rights as a consumer.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I went to my bank, Citizens bank on XXXX XXXX in XXXX PA XXXX and asked them to cash some XXXX bonds I have. I have my accounts with Citizens bank. They refused. I then went to another bank, and was told if I had an account with them, they would cash my bonds. I want Citizens bank to cash my bonds as others banks would do.