davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (KY)

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN 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 2022-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc. (TN)

I took out a loan with Solo Funds in XXXX of 2021. I was having some financial issues during the holidays related to a move. Approximately 10 days before the loan was due to be repaid, I contacted the company to let them know that an emergency had taken place and that I was unable to repay at this time but that I would repay as soon as I could. I asked that my account not be charged. The company received my request and acknowledged it but said that they couldn't/would n't stop charging my account. Today they have debited my account for the last time. I contacted my bank and I plan to dispute the charges and get a new card.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (AZ)

The following is a letter I sent to Commonwealth Financial Systems disputing the debt that I do not owe and have already paid: 


Commonwealth Financial Systems
XXXX XXXX XXXX XXXX XXXX, PA XXXX

Account Number: XXXX. 

Dear whoever it May Concern:
This is the second time that I have disputed this account with your bureau. The first time, they stated that I owed the debt, yet could NOT provide me with documentation proving that I owed the debt. This is unlawful and completely unreasonable. The Fair Debt Collection Processes Act allows me to request you to send proof of the debt through debt validation which you have not done. I have requested that your business not contact me, and yet I still get phone calls from this agency demanding that I set up a payment plan for a debt they cannot verify. This is illegal and against everything that debt creditors should stand for. 

The fact that you as a business have purchased an inaccurate and somewhat questionable collection account from me with no paper trace is unethical. I have been harassed to comply with payments that have no bearing and no trace to me as a person due to no verification. I filed a dispute with XXXX, which was submitted on XX/XX/2019. It is now XX/XX/XXXX, and the status is not yet under investigation. I demand this account be taken off of my credit report or I will take legal action against you as a fraudulent bureau. 

I made a XXXX payment to the account thinking it was another medical bill, however I was mistaken and had already paid that bill. This bill from “XXXX XXXX XXXX” is inaccurate given that I had already paid the hospital for the visit that I sustained. This is a poor practice that has negatively affected my credit and has led to many harassing and demanding phone calls from people inside your business claiming that I owe the debt, yet CANNOT supply me with ACCURATE, DATED information.

The most recent paper trail I have in my documents is a piece of mail from XX/XX/2019. I have been asking for documentation for 6 MONTHS. Medical bill collections are a violation of HIPPA, and I have had people from your business refer to my medical bill as an “ailment” when they should NOT have released my medical history without authorization. I have contacted XXXX XXXX XXXX and they have no recollection of this debt and cannot verify it either, and to reiterate, did NOT have my permission to release such pertinent, personal information about my health records to a third party creditor. 

As previously stated, this is unethical and illegal. The harassing phone calls and demands of payment for an account neither business can verify is ridiculous. If this proceeds, legal action will be taken against your bureau as a means of a fraudulent business who is not complying with the regulations set forth by the FDCPA. You would not pay a creditor that cannot verify a debt, so why should your customers?
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (CA)

The demand for Chase has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity.

I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on Chase Mortgage. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner Chase is handling my complaint is unethical.

Due to Chase being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (NY)

On XX/XX/XXXX National Recovery Agency responded to XXXX : " NRA Group , LLC is in receipt of the consumer 's complaint. Due to the nature of the debt, the correspondence will be placed in the mail to the consumer once received from our client. Please be advised the details will arrive in a white plain envelope that may appear as junk mail. '' The attached was received XX/XX/XXXX in part stating : " {$2900.00} + {$3300.00} + {$210.00} patient payments. '' To perpetuate its fraud National Recovery Agency refused to include in its attached XX/XX/XXXX communication respectfully requested ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors used to date. 

XXXX XXXX XXXX was XX/XX/XXXX authorized to release all medical provider treatment and related information ( all insurance billings, all medical records of all alleged service ( s ), all insurance denials ) and like XXXX National Recovery Agency refuses to honor this requested release,
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (IL)

On XX/XX/XXXX I applied for and I was approved a {$9200.00} unsecured loan from One Main Financial. I was told by XXXX to provide my most recent paystub. I provided that, only to have the branch manager XXXX intervene and question the validity of my paystub. He then requested a W-2, might I add in a brash and rude way. I requested my application be transferred to their central processing center. 

One there, I worked with someone there who stated to submit another stub, which I did and that I had until the end of XXXX to do so. He stated that a W-2 may help. I explained that I W-2 myself as I own my company and another company owner used the EXACT same stub a week prior and it was accepted. I told him that due to my XXXX  name and race, I was being discriminated against. He assured me that the company has fair lending practices. 

Upon receiving my W-2s, I finally went to upload them. Only for the system to say declined without considering what they requested. I called on XX/XX/XXXX and was told my application timed out. I then submitted another application on XX/XX/XXXX to be denied all together and offered a secured loan using my vehicle. I was on hold a very long time and due to the circumstances my original application was reopened and the {$9200.00} was back on the table. I submitted my most recent documents and waited. Today XX/XX/XXXX I received a call stating that it was just " agreed '' no. I literally have no late payments on my report and now it's bruised with all these One Main Financial inquires. 

I was lied to, my original application did not get reopened nor did they even call my employer or anything. This is unfair and they still keep sending me offers. The Equal Credit Opportunity Act was violated.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this loan has been paid off. I paid the account right away and now found out that the account appears as a paid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. CFPB step up and fix XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group (CA)

I don't know why this company is making threats to me in the attached letter. I have tried asking the company for a copy of the contract and they have not produced it. There's no way for me to know how much the debt is for and how much the fees are without the original contract. Simply sending me bank statements does not establish that anything is owed and is not enough information. These companies are attempting to collect on a a debt not authorized by an original agreement or permitted by law in violation of the FDCPA and CA RFDCPA. I am requesting that they do not call me and that they communicate with my authorized representative only.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (OH)

Eastern Account Systems claims that I owe them money as a debt collector for XXXX XXXX Previously I had an account with XXXX XXXX the pay-off amount for my account with XXXX  was {$370.00}. That account was paid in FULL Friday, XX/XX/2022. ON that same day I contacted Eastern Account Systems and informed them that this account was paid in full and that I needed that noted. I spoke with a representative for them by the name of XXXX XXXX, she asked me to email her receipt of that payment and she would take care of it. I emailed her while we were on the phone and apparently, she didn't take care of it. Eastern Account Systems still has me owing them this debt. How? I have the paperwork attached to prove it, an official receipt from XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I submitted a complaint to the CFPB on XX/XX/XXXX, about an erroneous account on my report. On XX/XX/XXXX, the CFPB responded and closed the case with unsatisfactory results. I sent a follow-up letter to Experian on XX/XX/XXXX asking for method of verification and proof of validation of alleged account. According to the Consumer laws the bureaus must report accurate information. How can this be accurate if XXXX different reporting companies are reporting different information for the alleged account? I have not heard a response from Experian. 
I have also informed Experian that I did not authorize Inquiries that are reporting.
Consumer complaint received 2022-12-02
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. (MO)

FCRA violation personal information not mine
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

FCRA Violation credit cards not mine
XXXX XXXX XXXX XXXX 

FCRA Violation hard inquiries not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collections not mine XXXX XXXX
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I submitted complaint XXXX. This is additional information that should be included. 

As stated in the other complaint we have held homeowners insurance and flood insurance for our building shared with XXXX other homeowner ( XXXX units/XXXX  building ) from the date of purchase. We dealt with customer service issues at Mr. Cooper claiming documents were not uploaded, could not be read, or were confused with other homeowners name. In addition, documents were not only uploaded but emailed. This went on for months and every time we called after an auto generated letter, we were told it was fixed. 

Insurance was purchased for us on XX/XX/21. Mr. Cooper is charging us for insurance which begins on XX/XX/21. How is that legally allowed let alone morally correct to charge someone for insurance in a past time period? The past is over and nothing can happen now.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

I applied for this loan and was approved for XXXX and only was given XXXX and was told on XX/XX/2022 I could pull from the XXXX that was left they lied to me and other customers and I want out of this loan and they need to be closed down why will I be paying fir some money that I cant touch this is really ridiculous
Consumer complaint received 2022-12-02
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)

FCRA violation personal information not mine 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

FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX  

FCRA Violation hard inquiries not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collections not mine
XXXX XXXXY
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have filed numerous complaints that it has been fraud on my credit. I spoke with XXXX, TransUnion XXXX XXXX Periodically from XXXX to XXXX. 

I spoke with XXXX first she assured me that it was indeed fraud & that everything would be removed from credit report within XXXX XXXX. So far the inquiries have been removed but not the fraudulent collections that are being falsely reported on my name. 

I spoke with XXXX next & everything was disputed & she assured me everything will be off in a week. 


I noticed that there are a lot of inaccuracies as well that are being reported on my behalf which is false & against the law. 

I lastly spoke with TransUnion & disputed everything as well & they told me everything would be off in XXXX hours. I have really been starting to look into credit & make sure everything looks ok. I have sent them numerous letters for months trying to get everything removed. I have yet to see any action being taken. Ive explained how they are in violation of FCRA codes as well. Please advise me on next steps. I would like to get this matter resolved ASAP. 



XXXX XXXX. 
XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX inquiries Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-04
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. (MS)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on experien acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about 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 XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-02
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)

It's been over 30 days and the creditor has not updated the information nor provided proof or documentation in regards to a late payment. They have not provided the information and must delete this information under my credit report. Under federal law they had 30 days to complete the information and by failing to do so it must be deleted as soon as possible.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.