davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.
Consumer complaint received 2019-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (NJ)

I have received an invitation in the mail from Marcus by Goldman Sachs to apply for a personal loan in last quarter of XXXX. They declined my application. Although I was surprised ( my credit score is pretty good ), but I assumed that they have their specific risk criteria and I let it slide without objection. However, I have received an email from them on XX/XX/XXXX that I am eligible to reapply and basically makes you believe that this time I eligible and just need to review my loan options and that reviewing my loan options won't hurt my credit. ( email attached ). However, when I checked my " loan options '', the declined my application again and said that my credit score can change. ( also attached ).
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (OH)

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER XXXX FCRA GUIDELINES.
Consumer complaint received 2019-01-05
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: Experian Information Solutions Inc. (PA)

XXXX is trying to collect on a debt that is well over 10 years old, and well outside the 7-years rule on credit reporting. They are in violation of their subscriber agreement with Experian, and there is no other recourse but to permanently delete the collection from my personal credit report. This posted collection is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This item must be deleted and my file must be purged permanently.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

0n XX/XX/2019, I WAS ON THE PHONE WITH EQUIFAX EMPLOYEE " XXXX '' ATTEMPTING TO REMOVE PERMANENTLY A SECURITY FREEZE I HAD PUT ON SOME TIME AGO.I PROVIDED THE PIN, ANSWERED THE SECURITY QUESTIONS CORRECTLY, YET AT THE END OF THE CALL THE XXXX PERSON WHO COULD NOT SPEAK XXXX PROPERLY OR CLEARLY REFUSED TO REMOVE THE SECURITY FREEZE THEREBY HAMPERING MY ABILITY TO OBTAIN CREDIT.XXXX SAID TO SEND IN MY SOCIAL SECURITY CARD AND OTHER ID. 
I EXPLAINED THAT ALL OF THESE ITEMS WERE ALL ON FILE WITH EQUIFAX FRAUD DEPT.AND ALL ARE LOCATEABLE IN THEIR COMPUTER SYSTEMS. 
SHE REFUSED AND AS OF NOW HAS PREVENTED THE SUCCESSFUL INQUIRY OF XXXX XXXX WHO WOULD LIKE TO GIVE ME CREDIT.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Experian is throwing out my dispute paperwork, and refusing to remove negative items from my credit report also the company is giving me a hard time with investigating negative items.
Consumer complaint received 2019-01-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (CA)

In XX/XX/XXXX I was put on XXXX and I had called in XXXX to see if Ford would be able to lower my car payment due to the financial Hardship that was occurring. Ford transferred me to the rewrite department where I spoke to XXXX and she started the process once the process was complete I was approved on XXXX XXXX. I had called XXXX in the rewrite department to discuss XXXX payment how I didn't want it to be 30 days late during this whole rewrite process and go on my credit. XXXX and XXXX assured me if this happened during the rewrite they would fix the 30 day late payment.Well on XX/XX/XXXX I received an alert stating I was 30 day late on my payment with Ford. I disputed that and called the rewrite department and spoke to a XXXX XXXX who then stated the credit department was in charge of that she then gave me a number where to call XXXX. I called the credit department who informed me the credit was already updated on XX/XX/XXXX that was not the case yesterday the credit bureau contacted me stating the dispute i had made was accurate through Ford and they would not delete the days late which cause my student loan to deny me to not enter school. This has been such a devastation and I hold Ford responsible for this I have been given the run around and they have not owned up to what they said they would do. I have spoken to several Account specialist in different departments and XXXX in customer service informed me today that I would have to send a letter to the Credit Dispute dept to see if they would take the 30 day late payment off. If i knew this would happen I would never have did the rewrite that caused me my career.
Consumer complaint received 2023-06-26
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. (TX)

I am the author of this complaint and I checked my credit report this morning and saw some fraudulent, inaccurate and incomplete information on my credit report. I'm asking the credit bureaus to conduct a reasonable investigation and DELETE the following accounts and update late payments to fully paid on time. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : AT T ) Late Payments ; XXXX XXXX
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group (TX)

I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I have a pending complaint against Fifth Third Bank, complaint XXXX. On Friday evening, XX/XX/2019, I attempted a transaction on my debit card. The card was denied. I tried again, the card was denied. I had nearly {$7000.00} in the bank. I called the bank, I was transferred three times and spent over two hours on the call. After two hours and seven minutes, I was connected to the dispute department at which time I learned via the representative that my bank account had been frozen due to the claim I filed for reimbursement of fraudulent activity. The bank refused an explanation as to why our account was frozen and would not explain to me why they had placed over a negative $ 16K fee/balance on my account. The fraud department supervisor ( XXXX ) would only transfer me to the fraud investigator 's voice mail ( XXXX ) something the bank previously stated was against bank policy. I filed a police report on the fraud and an officer has made an attempt to provide images of the thief ( s ) that corresponds to transaction receipts on my account. However, Fifth Third declined the images. Fraud has been proven. 

I received no notification that my account was being frozen. My account was frozen during late afternoon/early evening on a Friday afternoon, ensuring we would not have access to our funds during the weekend. We have no ability to access our funds in order to purchase fuel for our car or groceries for our family. This is an effort to intimidate and cause financial hardship on our family. The bank is engaging in predatory and retaliatory business practices and attempting to make us absorb the fraudulent activity we experienced through their bank.
Consumer complaint received 2018-02-21
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. (CA)

This dispute is in regards to an incorrectly reported collections account on my credit report by the XXXX XXXX XXXX XXXX starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the XXXX XXXX XXXX XXXX to remove the items from my credit report but both the reporting agency and the XXXX   failed to remove it. I was pulling GI Bill benefits from the XXXX to go to school and then graduated in XX/XX/XXXX with no correspondence from the XXXX  in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling XXXX benefits once I graduated. My contact information with the school had been updated immediately and since the XXXX was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the XXXX  would remove it from my credit report. The XXXX nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the XXXX remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the XXXX for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the XXXX and money being taken away from my pay checks. I believe the XXXX  did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The XXXX is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of god remove this from my credit report. Thank you very much, for the third time.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery calls me multiple times a day from multiple phone numbers harassing me for a debt I never took out, but is showing in my credit report. I've tried disputing the charge a number of times and they refuse to close the account. Callers are very rude and threatening.
Consumer complaint received 2019-07-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shermeta Law Group, PLLC (MI)

I received a letter in the mail recently, stating I need to be in court on the XXXX of XXXX, XXXX for private student loan debt. I experienced the same exact situation last summer ( XXXX ) from the same company. I had to hire a lawyer to deal with this mess and have been paying Shermeta Law {$200.00} a month since. 

Before I received this court date letter I received a letter from a judge saying the case was dismissed. I can not possibly afford another lawyer to answer my questions and assist with this. I am very confused on why this is happening again if I had already agreed to payment arrangements. 

Another issue I am having is the debt in question has been cancelled and written off of my and my co-signers credit report. I am currently paying the IRS a percentage for the debt cancellation. 

Why do I have a court date again for this debt if I am already making payments? 

How can this debt legally be collected if it has already been written off my credit report?
Consumer complaint received 2019-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (IL)

Can not gain access to my account to check what is due and when it's due. I also need the letter that states that my loan is in deferment status because as of right now all i have is an email from one of the service agents. It's just a little frustrating when you are trying to gain access to your account and all links to every web page is down or not accessible.
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I initiated a dispute on XX/XX/2022 ( claim # XXXX ) with Bank of America over the amount of {$700.00} charged on XX/XX/XXXX by XXXX XXXX XXXX. As an in-network provider contracted with our insurer XXXX, I should have only been charged {$330.00} for the XXXX XXXX provided on XX/XX/XXXX. After 3 conversations with a representative from XXXX XXXX we were unable to resolve this issue and disputing this charge while still in the 60 day window that allows for disputes seemed the only way to recover the amount I am owed. 

Below are some details of the correspondence between myself and Bank of America since the original dispute was filed : On XX/XX/2022 I faxed supporting documentation for my claim to Bank of America clearly outlining the above. 

On XX/XX/2022, I received a letter acknowledging the disputed amount and a credit was placed on my account On XX/XX/2022 I received two letters from Bank of America. One letter stated that the amount we were billed was calculated correctly without any additional explanation. It referenced case # XXXX. The second letter, which did not include a case number, stated that the merchant responded to the dispute and that we would be notified when a decision was made. 

My husband and I made several phone calls the following week in an attempt to understand the status of the claim and had the following experience. 

On XX/XX/2022 we spoke with a representative that said that the first letter referencing case # XXXX was sent by mistake and that we would receive a credit back on the account for {$360.00}. 

On XX/XX/2022 we spoke with a representative ( XXXX ) who was not helpful at all and instructed us that we had to wait until XX/XX/XXXX. I asked to speak to a supervisor and was told that no one was available, but we would receive a callback within 48 hours. 

On XX/XX/2022, after not receiving a return call from a supervisor, we spoke to XXXX who was helpful and told us to expect a credit back within 48 hours and that our claim had been escalated. 

On XX/XX/2022, we spoke to XXXX who explained to me that the 48 hours I was told about the credit was really only for the escalation to be assigned to someone to review. 

On XX/XX/2022 we received a letter dated XX/XX/2022 that stated our Claim ( # XXXX ) was being researched. 

We are now 90 days from our initial dispute. We do not have any credit to our account, any reasonable explanation as to why the charge is being allowed, or any explanation as to why there are multiple case numbers. As a long time Bank of America customer, this entire experience has been disappointing.