davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ashwood Financial Inc (IN)

In XXXX of XXXX, I felt that I was having some XXXX XXXX. I contacted XXXX XXXX XXXX to find out if my XXXX XXXX XXXX would cover the visit. They assured me that it would and I scheduled an appointment. I saw XXXX XXXX twice in XXXX. I had a XXXX  that he filled which came out 2 weeks later. He fixed it again and it came out the third time. I went into the office on XX/XX/XXXX to have it fixed again. He told me that it was a difficult filling and that since it was not on a weight bearing tooth, that it wasnt necessary to fix it again. I walked out scratching my head as I have never heard of such a thing. Then I receive a bill for {$720.00}. I called and spoke with the office, and it did not matter that they had told me that XXXX would pay, that it was my responsibility and I should call them. I told them I did not have money to pay this bill. Very soon after I was turned into Ashwood Financial. I have tried to pay them {$10.00} a month. I have worked hard to have good credit, and this entire thing is very upsetting. If anyone can help me get out from this debt or make sure others dont have to go through this, please let me know. Thank you.
Consumer complaint received 2022-05-13
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. (TX)

On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to XXXX XXXX XXXX requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. XXXX has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to XXXX and Equifax on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me. 
Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by XXXX, Equifax, and, XXXX. If I indeed owe, they should easily be able to provide me with actual documentation.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 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: EQUIFAX, INC. (FL)

XXXX, Equifax and XXXX have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my XXXX file shows I'm in a foreclosure status XXXX has not updated the file in over a year and states the account is closed, and Equifax shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.
Consumer complaint received 2023-03-17
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. (MD)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 



In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and companies listed have violated my rights 15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPAA violation breach ; there are medical collections on my credit report.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2022-05-13
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)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings (CA)

Corelogic and XXXX are working in conjunction with one another reporting false, inaccurate, fraudalent, " time barred '' information and they refuse to accept responsibility and ignore all requests to delete this information that is affecting to secure a home. 

I spoke with a XXXX on XX/XX/XXXX with Corelogic who informed me they do not remove inquiries, but she would dispute the other information. She noted two Supervisors, a XXXX or XXXX would call me to discuss further as there is nothing else that can be done and they do not remove inquiries as per these Supervisors. Once again, these companies are reporting information that is not factual or correct, not to mention illegally reporting information. I completed all due diligence and the facts are attached hereto to make these companies adhere to the Law. They continue to claim and as per XXXX at Corelogic stated they receive their info from XXXX and XXXX, where in fact, both companies deny such information being transmitted to them. XXXX and XXXX has denied and proven they are not reporting any of the information XXXX XXXX and XXXX is providing to creditors. In my further review and investigation, I found XXXX XXXX, Corelogoc and their client is reporting false, fraudulent information under three ( 3 ) different company names, XXXX XXXX XXXX, XXXX and XXXX XXXX for the same property address and filing with the courts three different cases for the same case. I have attached my original lease agreement with XXXX XXXX XXXX and not the other companies they claim I had a lease, as well as court documents/records pulled from the XXXX XXXX XXXX XXXX : XXXX? XXXX on XX/XX/XXXX and again on XX/XX/XXXX. Both documents clearly show a timeline from XX/XX/XXXX XX/XX/XXXX where clearly the Summary Eviction was DENIED. XXXX XXXX and Corelogic is showing a JUDGMENT as of present day XX/XX/XXXX, and nowhere on any of the court documents/records state a JUDGMENT. Not only is XXXX XXXX and Corelogic refusing to delete/remove these inaccuracies as well as stop reporting fraudulent information that they claim they are receiving from their client XXXX and XXXX but also from the Justice Courts, are violating my rights as a Consumer as well as violating all ethical and fair practices of the FCRA. Clearly the facts are in front of you, and this company continues to disregard the law not to mention disregards any ethical practices by making me the consumer suffer and not be able to secure housing.
Consumer complaint received 2022-05-13
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: SYNCHRONY FINANCIAL (TN)

Hard Inquiry details XXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX, XXXX SYNCB/XXXX XXXX Bank XXXX XXXX XXXX, XXXXXXXX SYNCB/AMAZON ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX  ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry Please Remove. I Appreciate your time.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, two fraudulent wire transfers were taken out of my account. Someone with a fake ID posing as myself went into a Chase Bank branch in XXXX California on XXXX XXXX XXXX. The person sat down with a banker face-to-face and made two wire transfers of {$10000.00} each to two separate bank accounts ( XXXX XXXX & XXXX  XXXX XXXX ) . The branch manager also authorized the transaction. Chase now claims that even with their branch 's negligence that they are not responsible for the loss of money if the other banks do not return the funds to them. Both XXXX XXXX and XXXX  XXXX XXXX have failed to get in contact with the " owners '' of both accounts. Therefore at this time it seems very likely that I will not receive my {$20000.00} back even though it was Chase 's fault and their branch was liable for losing my money by not taking proper security precautions to protect my account. A police report was filed on XXXX XXXX.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank One Citizens XXXXXXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Subject : Complaint Regarding Closure of Bank Account by Citizens Bank Dear Sir/Madam , I am writing to file a formal complaint regarding the closure of my bank account with Citizens Bank . On XX/XX/2024, I was informed by a supervisor at Citizens Bank that my account was closed by headquarters without any apparent reason provided. Furthermore, I was instructed to visit a branch location to retrieve my remaining funds. 

I believe that the closure of my account may be in violation of several laws and regulations, including : FDIC Insurance : As a depositor, I understand that my deposits are protected by FDIC insurance up to a certain limit. However, the abrupt closure of my account has caused uncertainty and potential financial harm, and I seek clarification on the status of my insured deposits. 

Fair Banking Practices : Under the oversight of the Consumer Financial Protection Bureau ( CFPB ), banks are required to adhere to fair banking practices and provide clear explanations for account closures. I request that Citizens Bank provide me with a detailed explanation for the closure of my account in accordance with CFPB guidelines. 

Regulation by OCC : As the regulatory authority overseeing national banks, including Citizens Bank, the Office of the Comptroller of the Currency ( OCC ) plays a crucial role in ensuring compliance with laws and regulations related to account closures. I urge the OCC to investigate this matter thoroughly and take appropriate action to address any potential violations of OCC guidelines.

Right to Information : I assert my right as a consumer to receive clear and transparent communication regarding the closure of my account. I request that Citizens Bank provide me with any documentation or information related to the closure of my account, as well as any recourse available to me as a customer. 

I am deeply concerned and dissatisfied with the handling of this matter by Citizens Bank. Despite my attempts to seek clarification and resolution, I have not received adequate explanation or assistance from the bank. 

The closure of my account has caused inconvenience and financial hardship for me. I believe that I have been unfairly treated and that my rights as a customer have been violated. 

I kindly request that the Office of the Comptroller of the Currency investigate this matter thoroughly and take appropriate action to address my concerns. I have enclosed copies of relevant documentation, including any correspondence with Citizens Bank, to support my complaint Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regard to my recent credit report. After reviewing it, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I have noticed that my name has been incorrectly listed as XXXX XXXX. This is not my name, and I request that you delete this information from my report immediately. 

Secondly, I have also found an incorrect account number listed under my name as XXXX. This is not my account, and I ask that you remove it from my report as soon as possible. 

Thirdly, I noticed that an incorrect address is associated with my account. The address listed as XX/XX/XXXX is not my address, and I request that you delete it from my report. 

Furthermore, the address listed as XXXX is also incorrect and should be removed from my report. 

Lastly, the address listed as XX/XX/XXXX is also not accurate and should be deleted from my report. 

I understand the importance of maintaining accurate credit reports, and I appreciate your attention to this matter. Please let me know if you require any additional information from me to complete these changes. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-13
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)

On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to XXXX XXXX XXXX requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. XXXX has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to Experian and XXXX on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me.

Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by XXXX, XXXX, and, Experian. If I indeed owe, they should easily be able to provide me with actual documentation.
Consumer complaint received 2023-03-17
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: LEXISNEXIS (NC)

I am writing this complaint to LEXISNEXIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

I was informed in XX/XX/2022 by Synchrony Bank that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed this alleged debt in a XX/XX/2022 letter to XXXX. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by Synchrony Bank. I asked that XXXX produce the relevant contractual agreement between me and XXXXXXXX XXXX/Synchrony XXXX XXXX XXXX that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. 

XXXX responded by providing the referral letter XXXX XXXXSynchrony sent to them. In correspondence dated XX/XX/2022, I called out XXXX for their failure to substantiate this alleged debt. 

Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. 

I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. XXXX 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (LA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

Hello, My name is XXXX XXXX XXXX and I've got a notification from XXXX saying that I have a collection item on XX/XX/2022 so I contacted a collection company called " SOUTHWEST CREDIT SYSTEMS '' immediatelyto determine what's going on. 

When I called them, They didn't supply me enough aboutandkeep telling me that XXXX like to pay and what type of payment am I paying so I told that person that I want to know what kind of collection that I have and They told me you have unpaid account from XXXX so I told them I never had a XXXX XXXX before and they told me maybe a XXXX Account which I never had a XXXX account in my XXXX but they seemed don't care about my situation and even threatened that If i don't pay they are going to keep updating my credit. 

I would like to make a statement with my collection item from SOUTHWEST CREDIT SYSTEMS which is I strongly believe that this information is inaccurate. I've been using cell phone service from XXXX XXXX XXXX over XXXX  years and I never had service with XXXX or XXXX. So I called XXXX and XXXX and now they are merging so I spoke to XXXX XXXX and XXXX as well on XX/XX/2022 but they found informationbased on my social security number which is associated with a WRONG NAME. 

My Legal name is XXXX XXXX XXXX but it was associated with XXXX XXXX which is wrong information totally on theirsystem. Also XXXX XXXX willing to conference call with SOUTHWEST CREDIT SYSTEMS to verify that the information this company has is wrong and not affiliatewith mine but they said they don't want to conference call with XXXX agent and she hungup on me while me and XXXX agent was on the line and waiting. 

I strongly believe that this information is incorrect and I am requesting to start an investigation more deeply so that I will not be a victim of identity theft or misleading information. AlsoI have attached my Driver 's License front and rear and I am living in this address more than XXXX XXXX XXXX If anything is related to a different address it's possibly affiliated with Identity theft.