davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
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. (OH)

I reviewed my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from that person : XXXX XXXX, XXXX, XXXX XXXX. 

My name is : XXXX XXXX - DOB : XX/XX/1995 SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX  XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : ( XXXX ) XXXX, PLEASE REMOVE : ( XXXX ) XXXX
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (FL)

Upgrade approved credit line XXXX after submitting the verification documents to the final review department. Only to find out that a hold was placed on the account stating that they need to verify identification. I have sent them this information and find it to be a violation of the Fair Lending Act. I am in the process of contacting my attorney if they dont resolve this! Why did you approve me, verification department clearly approved the account and then suddenly I have a hold on my account.
Consumer complaint received 2018-02-19
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. (PA)

On XX/XX/2017 a balance of {$920.00} from XXXX XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy or the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

This complaint is about the XXXX XXXX American Express Card, which is XXXX XXXX  XXXX XXXX. I opened this card in XXXX, but closed it on XX/XX/XXXX for reasons unrelated to this complaint. At that time, I made a full payment of the payoff amount ( {$1400.00} ), as communicated to me by the customer service agent. When I login to the management website, the account is confirmed to be closed. 

However, the card has continued to accrue interest and XXXX continues to send me mail related to payments scheduled against this account. I have previously called them about this, and have been told to disregard the notices and that my account is closed. Yet, on XX/XX/XXXX, XXXX withdrew {$9.00} from associated checking account with the memo " Auto Pymt ''. XXXX has not closed my account and is withdrawing funds from my account to payments against an account I have already paid off completely.
Consumer complaint received 2021-09-04
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. (CA)

I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX  written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to XXXX XXXX XXXX. According to 15 usc 1692g XXXX XXXX XXXX were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (CA)

We are receiving daily robotic phone calls from XXXX from " XXXX XXXX XXXX XXXX XXXX XXXX ''. The message claims they are a debit collector and asks us to call back to resolve an unpaid debit. We have called back, and the phone call is answered by a telemarketer trying to phish for information they do not have ( who is calling, social security numbers, bank account numbers, etc. ). We refused to engage in the phishing and asked that the calls stop. Nevertheless, the calls continue. 

They do have an online website : XXXX XXXX XXXX This website has a " payments '' page referencing the above phone number. 
XXXX XXXX XXXX
Consumer complaint received 2018-02-19
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. (CA)

Frauding my documents XXXX counties wide in California State none of my documents none are married into California none are California herds frauding my documents for Saint Another hospital of Michigan XXXX XXXX Indiana
Consumer complaint received 2018-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

XXXX XXXX, XXXX, at approx. XXXX I went to the teller window inside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw {$1200.00} from my savings account to pay for some used furniture. The tellers told me they were not open until XXXX and suggested I use the ATM next to their window to withdraw funds. Even though the daily limit was only {$800.00}, I was in a hurry so I used my ATM card to withdraw. When the cash was dispensed, I counted it twice and it dispensed only {$780.00} in {$20.00} bills, even though I requested {$800.00} and the debit from account on receipt read {$800.00}. 

I immediately handed the cash to the XXXX tellers at the window, who both counted it twice and verified I was shorted {$20.00}. XXXX XXXX, the first teller to count it said that at the end of the day they would count the ATM and credit my account immediately if it was over. The next morning I received a message from XXXX XXXX that the ATM was counted and the machine was not over, so she would file a claim. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating their investigation was complete and my claim was denied. I called the Bank XX/XX/XXXX and after several transfers, a XXXX banker, XXXX, told me she would issue a provisional credit to my account immediately and re-open my claim. She also said they would send me the documentation used in their investigation that I requested. 

XX/XX/XXXX, no credit had been issued to my account and I had not received the documentation I requested. I called and was transferred 6 times in more than an hour, each telling me they couldn't help me. I was finally transferred to XXXX ( she said she was not allowed to give me her last name ), who told me the case was still ongoing and I would have to wait another 90 days before investigaton is complete. When I asked them what their retention policy for the video surveillance was, no one could or would tell me. How do I get that video preserved and viewed by law enforcement in case they deny my claim again after 90 days? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the documents I requested XX/XX/XXXX were attached. The 2 page document entitled " ATM TERMINAL INFORMATION '' make no sense to me whatsoever. There was nothing in the letter explaining an ongoing investigation or status of my claim, nor have they given me a credit for the money they shorted me. Regulation E states they must provide provisional credit during investigation within 10 days and complete investigation within 45 days. As of today it's been XXXX days and still no resolution.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

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 2021-12-01
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: Phoenix Financial Services LLC (FL)

In the beginning of XXXX I called the company phonetic financial services and was told that this debt was from XXXX  I was not living in Florida in XXXX so I have no idea what this bill is from. I have absolutely no knowledge of this account and would appreciate it being moved. Im addition I feel it is a hippa violation and embarrassing to have this on my credit report. 
I have no idea what the charges are for and was never notified. I fear this may be fraud.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reporting a address that I dont currently live at. I mailed in a dispute letter with all my current information. The accounts on credit arent reporting the address Equifax has as current. They refuse to update my address and even mailed out dispute results with all my identification to a address Im not associated with. I was confused to why the dispute results stated mailed but I never received them. I mailed in my dispute and also open up a dispute via myequifax. I was emailed and asked to fax over my ID, Current proof of residency and social security card. I did and continued to receive alerts to my email to send the documents that I already faxed. The proof of address is a current cell phone bill with the current address the same address on the return envelope that I sent my written dispute in. So now my account and life insurance systems are updating my current address to the address that Equifax is reporting where I do not live or receive mail. I live in XXXX  but my mail is going to XXXX. Equifax is the only credit reporting agency thats reporting the address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 
The address dates are not correct and my current address is being reported as if I lived there a year ago when I hadnt.
Consumer complaint received 2021-09-04
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. (CA)

I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to XXXX XXXX XXXX. According to 15 usc 1692g XXXX XXXX XXXX were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MD)

I requested that Cavalry Portfolio Services provide proof of the debt owed or remove the debt from my credit report. The debt that doesn't belong to me on my credit report is {$1900.00}. They sent no proof and it still remains on my credit report.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-28
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: ALLY FINANCIAL INC. (NJ)

I spoke to numeral acct associates. most I could Not understand. 
I finally spoke to a XXXX in the XXXX and she stated she would check phone conversations. 
After checking and verifying that I was told a courtesy correction would be asked for, she said it was not. 
I have spoken to many customer service agents with Ally throughout this horrible experience, and although my Ex spouse made many unpaid payments, I was Never told that {$28.00} estimates of late payments were due. I paid what the Customer service people asked of me on the {$470.00} payment. If the system is behind or inaccurate from that day, I should not be responsible. Again. I was told the system caught up that same day I made the payment. I was NEVER told that day or after that day there was a balance due!! Again. XXXX XXXX was in this acct and this was Her car, it doesnt show in her report as late.
Consumer complaint received 2018-02-19
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: PRESTIGE FINANCIAL SERVICES INC (PA)

On XX/XX/ 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I received an email on XX/XX/year> that both my checking accounts are restricted. I tried to use my debit card on XX/XX/year> and it was declined. On XX/XX/year> I called Chase Bank to see what was going on as I have been a long-time customer with no issues. I was advised they are terminating the relationship and closing my accounts. No explanation was provided. I was also informed I am not able to withdraw the thousands of dollars in my accounts. I am leaving the country and have no way to access my own money and no way to receive a paper check from them.
Consumer complaint received 2022-04-06
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item need to be deleted.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (PA)

ihave unauthorized fraudulent inquiry on my credit report. I called the company as well as the credit bureaus and took proper steps as directed! months later still stuck with the fraudulent inquiry on my report. I exhausted my resources. ( this is not a credit repair company ( this not a credit repair company
Consumer complaint received 2019-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

When I signed up for this account I realized I needed to remove money for a short time. I signed up knowing I would get a bonus and when I called the bank they said removing the money for a short period would be fine and I would still get the bonus. 

Now today they are saying that is not the case. They're saying whatever THEIR rep told me was wrong and that I won't be getting the bonus. Completely unhelpful over chat and refusing to help whatsoever. So not only are they not holding to what the rep told me but they are completely ignoring advertised sign up bonus. 

Please advise best way to proceed.
Consumer complaint received 2018-02-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (NC)

I first borrowed XXXX for graduate school XXXX XXXXXXXX from XXXX XXXX   {$10000.00} and {$2000.00} was supposed to be paid part of my internship from XXXX during my second year of graduate school for the school of XXXX XXXX. 
After I graduated my exhusband ran away with our children to XXXX and so I had to put my loan payments on hold in order to pursue my children to try to bring them back. This lasted longer than expected and so my loan had to be refinanced. Now loan is XXXX and I can only afford to pay the interest of XXXX a month. I am XXXX XXXX XXXX and don't know what to do. I want to pay off the original {$12000.00} I borrowed only. This added interest is killing me.
Consumer complaint received 2018-02-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

My ex-husband & I filed chapterXXXX  bankruptcy in XX/XX/XXXX, the 2nd mortgage on our house was in it through Beneficial Finance. I am now trying to sell that house since my mother died & I am now living in her house. When the title search was done, the mortgage for Beneficial is still showing. As far as I know it was paid for in the bankruptcy which was discharged on XX/XX/XXXX. Beneficial was bought by HFC, then HSBC. I called HSBC on XX/XX/XXXX, I was transferred 3 different times until was given the # XXXX. When I called they were closed. I called again on XX/XX/XXXX, and they were still closed. on XX/XX/XXXX I called again & talked to a XXXX that told me to send the title search & a recorded mortgage with my county. That was done XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX. There was no response. The title Co. & I each tried calling them to see what they found & we each got the recorded message that the office had been closed. The message also had an address to send correspondence, but no phone number to reach them. on XX/XX/XXXX we send another title search & recorded mortgage to them. With still no response. Since I am living in my parents house already & can't sell my old house. This is creating a financial hardship on me. I would greatly appreciate it if you can help me.
Consumer complaint received 2018-02-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (KS)

Paid off the debt because it was affecting my credit score.  But the company has refuse to remove the collection debt from my credit score. I have called them several times but they refuse to remove it from collection even tho I already paid them. The company is transworld systems inc. I paid the debt collection so my credit score would improve. But they refuse to remove the collection. And it's still affecting me allot.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXI-Date of inquiry XX/XX/XXXX XXXXL-Date of inquiry XX/XX/XXXX XXXX FI-Date of inquiry XX/XX/XXXX CXXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX