davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc. (IL)

My ward received services at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I first started receiving bills in XXXX and XX/XX/XXXX, by a company called XXXX XXXX XXXX XXXX who claimed they were the billing company for XXXX XXXX XXXX XXXX. These bills were paid. On XX/XX/XXXX, several months after services had ended, and in the middle of a global pandemic I received an emailed bill. I noticed immediately that the bill was incorrect, payments had been applied wrong. I spent over an hour on the phone with a Ms. XXXX XXXX who claimed that the issue was with how insurance was applied and that the issue was going to be resolved. She stated that things would be slow due to everyone working from home and not having accurate access to records during the pandemic, and shut down. To confirm this Ms. XXXX XXXX sent me an email on XX/XX/XXXX, four days after our conversation, with an updated invoice and the invoice showed balance of XXXX. I have both the email and the invoice. There were no further communications, and since the issue was resolved and the balance showed XXXX, I assumed all was well. I received no further communications. Around XX/XX/XXXX, almost a year later I received a phone call from a collection agency ( Keynote Consulting Agency XXXX XXXX XXXX XXXX, XXXX, Illinois ). The collection agency claimed that they had been contracted by XXXX XXXX XXXX XXXX  to collect a debt. I told the debt collector that I was disputing the debt, and that I was requesting debt verification, including a copy of the last bill sent to me by the original creditor, and I further asked that proof be provided that Keynote Consulting had been contracted to even collect the debt. I further put this in writing and mailed to the address on file for the debt collector. I heard nothing back from Keynote, additionally to this day nothing has been provided that even proves that Keynote has been contracted by XXXX XXXX XXXX XXXX to collect any debt as part of services rendered, even though this information has been requested. On XX/XX/XXXX, I noticed that Keynote Consulting Agency, after failing to provide debt verification, as required, they reported this collection activity to the three primary credit bureaus ( XXXX XXXX XXXX  ). Attempts to resolve these issues from both the original creditor and debt collection agency has failed. Not only are both parties violating the Fair Debt Collection act, XXXX XXXX is also refusing to even provide basic contact information about their agency or even proof that they have been contracted to collect a debt from XXXX XXXX XXXX XXXX, which again is a debt that is false. 
Please note the very last invoice shows a balance of XXXX. There were no further invoices after XX/XX/XXXX XXXX
Consumer complaint received 2022-05-03
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}
Consumer complaint received 2022-05-03
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to adjust immediately : XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; DEPT OF ED/XXXX XXXX Balance {$160000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} ; DEPT OF ED / XXXX XXXX Balance {$160000.00} ; DPT ED/XXXX  XXXX Balance {$160000.00}.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DataMax Corporation (GA)

Hello, I had a collections account with XXXX XXXX XXXX, # XXXX, and did not receive any communication about actually having the collections account against me. I had to find out about this myself when I ran my credit report for a car purchase. I then immediately called XXXX XXXX XXXX to : 1 ) pay the account, and 2 )  find out why I never received any communication. They said they tried calling and mailing me, but I did not receive anything from them. The amount is so little that I have no reason NOT to pay this bill. 

The collections account was filed to the credit bureaus on XX/XX/2012, for the amount of {$77.00}.
Consumer complaint received 2022-05-03
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
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: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-03
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit Reports : XXXX, XXXX, M ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX 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 2022-05-03
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)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-03
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. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The Experian/XXXXx Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (LA)

I have called Ally Financial. They said my account is behind when I was told by the person paying on the loan was up to date. This issue has dropped my score 150 points. Im unfuriated this has come to my attention right before I try to buy my own house. If this can be resolved, please I would greatly appreciate it. Thank you so much!
Consumer complaint received 2015-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (FL)

My auto finance company ( Westlake ) hired a third party company to come, and reposes my vehicle on XXXX XXXX, 2015. XXXX XXXX, 2015 I paid a total of {$1500.00} in back payments and towing fess plus a XXXX months in advance for the upcoming months. When I went to retrieved my vehicle it had physical and mechanical damaged to it, and was not drivable I then contacted the finance company in regards to my issue. They were very unsupportive of my concerns. In response to the poor customer service I stated to the representative that I was surrender all rights to the vehicle due to a breach in contract, and I would like to be refunded for all towing fee 's alone with the two months in advance of payments. Plus the remainder of the loan debt to be cleared of my name, because the vehicle was no longer of service to me due their negligent. The representative rudely denied my request, and stated to me that I need to contact the towing company which they did n't even provide me with the towing company information. which brought me to you all for some legal advice or help with this matter thanks in advance for time and service.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have repeatedly disputed with Capital One and XXXX  regarding the accuracy of an account Capital One is reporting on my credit report. I am exercising my right under FCRA section 609. I have a right to view the information that Capital One has regarding a account they are reporting on my credit report. I do not agree with the balance or payment history. Example, the credit limit was {$300.00}. XXXX  is reporting the high balance as {$800.00}. How did the balance exceed the credit limit? Capital One verified the information as accurate. I do not agree with the late payments. I am requesting ; the Balance History, Payment History, Original Contract, Payoff Disclosure, Interest Rate Disclosure, and Credit Insurance. Capital One has not provided any of the documentation requested.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

XX/XX/2023 I assumed a person was trust worthy since people in a trucking dispatch/carrier group chat were responding to this lady named XXXX XXXX posing as someone official who could help guarantee grant money and help with grant applications. Instead of doing a real application the person scammed me of every penny I had. XXXX  XXXX and cashapp denied my requests for refunding. Its left me with many mixed emotions given I have a son and had to tell my family I have no gas or money for food to take care of him nor money to pay my bills.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$18000.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$310.00} DEPTEDXXXX XXXX {$3500.00}
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for Synchrony Bank. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for Synchrony bank and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent me.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

There is an old outdated account that is past the statute and unverifiable and still remains on my credit file. I have disputed this several times with nothing back. 

XXXX XXXX
Consumer complaint received 2021-06-28
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. (FL)

Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to XXXX XXXX & Experian. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! Focus financial also add this items to my Transunion file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b.

2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (IL)

In XXXX of XXXX, I applied for a mortgage on a new condo with Citi. Pre-approved instantly given my income and assets. Was approved for a mortgage by 1 other bank, but favored Citi because of the lower rate. 

I make XXXX a year, sold a business for XXXX in XXXX, and have guaranteed income for the next decade give or take. Also have upwards of XXXX in assets between two trusts. 
At NO time prior to maybe 3 weeks before scheduled close did XXXX EVER state the mortgage was at risk of not being approved. I often gave her easy outs if this cant be done, lets end this. Nothing. 

After being constantly unable to get ahold of XXXX ( at one point, it took 18 days for her to reply as to the status, when I had finally sold my unit so for 18 days I was potentially going to be homeless thats when I reached out to JPM ). 
JPM approved me in less time than it took XXXX to respond to an URGENT request, as things were now moving quickly. 

After ~ 7 months of speaking in circles, and XXXX in payments, XXXX XXXX me I need to start the application over -- 20 days before our scheduled closing, in hopes of securing a 50 % mortgage. If we were grading by competence, it took XXXX 6 months to accomplish 50 % of what JPM did in 2 weeks. She achieved half of what others did in XXXX the amount of time. 

( Application fee was XXXX, made in early XXXX XXXX XXXX has never returned a voicemail, the average response time is in the weeks, and Ive never been able to get ahold of her directly without at least 5 - 10 day wait. Her assistant is the only hope, and he rarely responds, never responds to voicemail, and maybe has a 3 - 5 day response time.

I dont care about the loan, I dont need a loan, but I do have 2 if I want them.

I would like my money back immediately, as the application wasnt even valid. 

I also dont think XXXX should remain in this business. I terminated other viable lenders because she assured me everything was okay with her, and then I ended up with ( potentially -- up to ) 50 % of what I was assured of, only after paying for ANOTHER application fee. 

I simply want my money back, and I do not believe she should work in this business. She does not answer any form of communication, she lead me and my team on with implications of approval, and failed to communicate the status of the loan until it was WAY too late to do anything about it. Luckily, I realized early on she was useless, and sought out other lenders -- otherwise I would be homeless, or have a 50 % mortgage loan. 


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