davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-22
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)

First, Let me just say that I have disputed two alleged medical collections with Equifax ( the only collections on my Equifax credit file ) for about 2 years now only for them to say the debt is verified. Now according to the FCRA, in order for Equifax to report this debt, they must provide me with the complete and accurate information from the reporting agency. As you will see from the pictures, they have incomplete data for the collection agency. There is no collection company name, address or phone number for this so called medical debt. Again, according to the FCRA, Equifax must provide this information in my Credit File in order for them to report this debt, so that I may be able to question the collection agency who is reporting this information to Equifax. Also, there are incomplete account numbers but the numbers that they do provide ( which are VERY SUSPICIOUS and I think you'll agree ) are extremely similar with the only difference is one is for {$250.00} and the other for {$350.00}. Also, if you'll take notice that the allege debt for {$350.00} was reported on XX/XX/XXXX and then three months later the allege debt for {$250.00} was reported on XX/XX/XXXX. Seems strange that these two medical collections would be so similar in amounts and allege account numbers to be reported by the same collection company EXACTLY 3 months apart. So to this end, I did some research ( which I shouldn't have had to ) to find out that these two medical collections are being reported by a XXXX XXXX XXXX, XXXX. I have reached out to them several times to get these bogus debts taken care of and removed from my Credit Report to no avail. Back in XX/XX/XXXX, I asked them to send me original documentation that bares my signature for these two debts that says I entered into an agreement with XXXX XXXX XXXX and I now owe XXXX XXXX XXXX " X '' amount. I have yet to receive such documentation. Now, I'm a pretty reasonable person ( more like desperate now that I'm trying to become a homeowner ), I reached out to them again by phone in XXXX of this year and spoke with a representative to try to resolve this debt once and for all. Although, I DO NOT believe this debt belongs to me AT ALL, I just need the collections gone ( to be able to purchase a home ) so I offered to pay them 25 % of the debts as long as they would remove them from my Equifax Credit Report, since the amounts are small. However, the representative told me that they would not be able to delete the accounts ( but they were willing to take my money- go figure ) I would like both of these egregious accounts deleted from my Equifax Credit Report because 1 ) they do not meet the FCRA requirements and they are hindering me from purchasing a home.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MO)

I did reported to chase credit company that my credit card was stolen and being a fraud charge for {$720.00} to XXXX XXXX in XX/XX/XXXX. 

The Chase company did closed my account and send me a new cared with a new credit number. 

The amount XXXX dollars was clear at that time but it came back to my account at XX/XX/XXXX, I tried to call the Chase many times but nobody can resolve my problem.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. XXXX XXXX XXXX XXXX XXXX for {$310.00}. Commonwealth financial/XXXX XXXX for {$2300.00}. Commonwealth Financial XXXX XXXX XXXX XXXX for {$2000.00}. Please assist.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXXXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

XXXX, XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, Phone : XXXX XXXX XXXX Sub : Complaint against Citibank for nullifying my check by mixing of refund of credit balance with standard purchases, a discriminatory and retaliatory action against me by Citibank. 

To : The Chairman, CFPB Dear Sir : A check was issued to me by the Citibank on XX/XX/2018 ( check # XXXX ) in the amount of {$66.00} as a refund of my credit balance. Before issuing the check the Citibank added this amount on XX/XX/2018, to the total of my standard purchases ( of 8 items, which comes to {$360.00} ), and thus increasing the total of standard purchases or charges from {$360.00} to {$430.00}, please see the row item purchases +XXXX under the header of Accounts Summary. You may also see this on XX/XX/2018 billing statement already sent to CFPB in XX/XX/2018 in pursuant to the case of Conditional credit, and is also shown below for quick reference : This action by the Citibank has nullified the check, issued to me on XX/XX/2018. Citibank must reissue a new check to me for he amount of {$66.00}. Because of discriminatory and retaliatory action by Citibank against me, I was forced to close my Diamond Preferred account, which I had been keeping, for last 24 years. 

Regards, XXXX XXXX XX/XX/XXXX STATEMENT ( Billing Period : XX/XX/18-XX/XX/18 ) Minimum payment due : {$0.00} New balance as of XX/XX/18 : - {$140.00} Payment due date : XX/XX/18 Accounts Summary : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Previous balance - {$360.00} Payments - {$0.00} Credits - {$210.00} Purchases + {$430.00} Cash advances + {$0.00} Fees + {$0.00} Interest + {$0.00} New balance - {$140.00} Trans Post date date Discription Amount _______________________________________ Payments, Credits and Adjustment -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX 's XXXX : - {$140.00} XX/XX/XXXX Refund Credit Balance : {$66.00} XX/XX/XXXX Citibank Conditional Credit for Dispute : - {$68.00} Standard Purchases : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX XX/XX/XXXX Reverse XXXX *XXXX XXXX XXXX : {$68.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$24.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX : {$3.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$15.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : {$40.00} XX/XX/XXXX XX/XX/XXXX XXXX  : {$16.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$140.00}
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

Venmo deactivated my account without telling why it was deactivated. Im not a scammer or anything along those lines. They sent me an email saying it will be permanently deactivated because I broke a rule. That was in XXXX on 2021. They stated that my funds will be held in my account for 140 days. They sent me an email 2 days ago saying I can transfer the money out of my account but since then I changed banks so I took off the bank that was on Venmo but it wont allow me to add the other one. I emailed them again and I keep getting the run around. Wait 5 days and someone will email you. You cant call and speak to someone because they always say wait for an email.
Consumer complaint received 2019-04-22
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Adjustments Inc (AR)

I have been attempting to arrange a repayment agreement based on income, I sent all required documentation in a pre-paid XXXX XXXX  envelope, have receipt dated XX/XX/XXXX XXXX received phone call 2 days later stating " all requested documents not in envelope '' but as conversation went on suddenly they found several more documents being uploaded. spoke with supervisor who apologized and stated " we have hired a lot of new people and they jumped the XXXX calling you before everything had been uploaded ''. also told supervisor at that time that harassing calls before XXXX XXXX Central time were going to cost me my job, 3rd time I told them not to call before XXXX XXXX. received another call on Thursday XX/XX/XXXX documents ( copies of paystubs never found ). was sent an email with upload link and uploaded requested documents at XXXX. XX/XX/XXXX received phone call at XXXX XXXX   XX/XX/XXXX stating they sent letter to begin garnishment because requested documents were not sent. AGAIN uploaded while on phone with agent and response was " we seem to have a glitch in the system ''. This company has NOT got the resources or trained staff to assist in loan rehabilitation and are ATTEMPTING TO DELAY MY DOCUMENTATION to enable themselves to garnish rather than work with me on payment agreement. 
Credit Adjustments, INC. 
XXXX XXXX XXXX XXXXXXXX XXXX NH XXXX I have done everything as requested BUT they are failing on their end. I have recorded the last conversation with representative stating " glitch '' and have screen shot showing upload completed but this company stating it does not have the uploaded documents ( paystubs ). BLATANT act of incompetence or malicious maneuver to pursue garnishment.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TN)

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

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

On XX/XX/2018, a charge of {$1600.00} was made on my Home Depot Credit card. The charge was made at a XXXX, Illinois Home Depot. I did not make nor authorize this charge. I called to report it and Home Depot immediately removed the charge, issued a new card, and closed the old account. I thought issue resolved. well, 2 month later I get a letter from Home Depot Security Services stating their " investigation '' revealed no proof of fraud, and I am responsible for the charge. They put the {$1600.00} back on my new account. I called, and was told they see no evidence of fraud, and I must prove I did not make the purchase. I asked how can I prove I did not make the purchase other than tell you I did not make it. I asked what evidence they have of me making the purchase. Me on video at the store on XX/XX/XXXX, verification of my identity for such a large purchase, a signature for the purchase. I was told they have none of those things, as they can not view video of the purchase without a police report. This makes no sense, as they must have video, and it is their video, so they can not review it???? 
I filed a complaint with the FTC, and have requested once again, in writing that Home Depot remove this charge from my account immediately.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

As soon as I found out I had four accounts in collections ( {$1000.00}, {$2200.00}, {$1100.00}, {$2600.00} ) with Midland Funding I immediately sent dispute letters, asking for validation of the debt. I have been a victim of identity theft 2 times. I asked for something bearing my signature, and only response I have gotten is a copy of the bill of sale from the credit card company to Midland Funding, and on 2 accounts I received a printout of a statement. These are not my accounts and are being reported on all 3 credit reports, bringing my credit score down. Midland Funding has refused to provide me with signature validation of the debt. I also informed them that as per FTC opinion letter from Attorney XXXX XXXX XXXX that a printed statement does not constitute verification. I would like these accounts removed from my credit.
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Lotane & Associates, P.A. (FL)

Lotane and Associates contacted me on my cell phone and threatened that if I did not pay the medical bill I would be arrested or would take action to seize my property. They have stated this to me over the phone on 5 separate occasions. I do not own a home. 

Lotane and Associates state they tried to summon me to court. They said they came to my home and my landlord said I did not live there. That is not true and never happened. As my landlord does not live at the home. They stated in the documents presented to the courts that my landlord told them this. They went to a place I have never worked and tried to serve me. Meaning they falsified the court summon document. 

The debt is not on my credit report nor did I ever get a bill as my insurance company paid for the emergency room visit. I pulled my credit report on XX/XX/XXXX and it is not on XXXX, XXXX, or XXXX. I called the hospital and there is no record of a debt for the same amount as my insurance paid for the emergency room visit back in XXXX of XXXX. 

In good faith, I went to mediation with them as they are balance billing above what my insurance paid tacking on ridiculous amounts for which my insurance has already paid. This is an illegal act in Florida. I now have a court date on XX/XX/XXXX and I am being intimidated to pay even though we have a court date set they are still threatening me to take me to jail. I offered to pay them XXXX to get them to leave me alone and they denied that they would accept anything less then 80.00 a month.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX MN Credit Bureau Address City, State, Zip Code XX/XX/XXXX Dear Experian I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, ( XXXX XXXX
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

I submitted a complaint about XXXX XXXX that has not removed the negative debit report on XXXX. I submitted the complaint on your website and the OMB # is : OMB # XXXX at the time I did n't have the account number but found it and here it is : XXXX XXXX this should not be shown since I have discharged my Chapter XXXX bankruptcy on XX/XX/2015 and XXXX was one of my creditors.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AL)

My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to apply for a business Credit card and I was denied due to having too many hard inquiries on my credit report. Checking my credit report I noticed I didn't apply for these tradelines that are listed below. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2019-04-22
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. (TX)

I have been disputing these accounts with Transunion, XXXX and XXXX they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXX XXXX and XXXX XXXX XXXX that sold the accounts to XXXX XXXX.
Consumer complaint received 2022-07-08
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. (TX)

US BKPT CT TX XXXX XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX XXXXdismissed Court US BKPT CT TX XXXX XXXX Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from XXXX.
Consumer complaint received 2022-03-08
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. (CT)

In accordance with the fair credit reporting act XXXX  account # XXXX in my Experian and XXXX report has violated my rights. XXXX  account # XXXX on my XXXX report has also violated those 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 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: New Mexico Educational Assistance Foundation (NM)

Accounts with XXXX XXXX XXXX XXXX XXXX. XXXX were inadvertently changed on previous attempt of having NMEAF fix some errors on credit report. XXXX went in and disputed all accounts not just NMEAF. 

In response to the dispute the XXXX XXXX accounts were changed to Fail to Pay status in XX/XX/2019 which appears as a new collection and has dropped my credit score 52 points after the change took place. 

I have been working with XXXX at XXXX XXXX XXXX XXXX. XXXX she has tried multiple times to fix the PAYMENT HISTORY but has been unsuccessful.
Consumer complaint received 2022-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America closed my credit card account on XX/XX/XXXX. The account was paid off shortly after that. it has now been passed 7 years and this account still shows on my credit report. The date this account should have come off is XX/XX/XXXX I disputed this account on XX/XX/XXXX. Bank of America stated the information is correct on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX. They said they can not do anything as the account is to old. Can someone help me remove this account from my credit?