davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/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 DDUpon 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 ; Collections XXXX  XXXX XXXX  Opened XXXX {$220.00} ________________________________________ XXXX XXXX  XXXX  Opened XXXX {$490.00} ________________________________________ XXXX XXXX XXXX Opened XXXX {$500.00} ________________________________________ XXXX XXXX XXXX Opened XXXX {$590.00} ________________________________________ XXXX  XXXX  XXXX  Opened XXXX {$2200.00} XXXX XXXX XXXX  XXXX Opened XXXX {$150.00} ________________________________________ XXXX XXXX XXXX  AD Opened XXXX {$500.00} XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-02-05
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 have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MT)

To start : The company Credence Resource Management LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, contacted me about my grandfather 's " medical bill. '' I told them that I was his POA and that he has passed away and because of his passing I do not have the authority to pay them until I am appointed personal representative. I informed them that their client is welcome to provide the information that they have so that way I can place them on the list of Creditors for XXXX XXXX ( XXXX XX/XX/XXXX ). I also at this time requested all details from Credence Resource Management LLC. No information has been provided. They have failed to send the 5-day letter that would contain information about the bill and in their emails, they also are missing their " mini-Miranda '' warning ( informing me of who they are and so on ). 

I have emailed them again on XX/XX/XXXX @ XXXX mountain time requesting again any information that they have. on Saturday XX/XX/XXXX they responded that they have received my message and that it would be logged. It is now the XXXX and no information has been provided by them. I have also noted that they have reported my grandfather 's debt to my credit report, and it needs to be removed. I have attempted in goodfaith to resolve the matter with them and have received no information from them.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, TransUnion, and XXXX agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy Chapter XXXX XXXX TN XXXX Court. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as PACER or XXXX XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. XXXX has two accounts the same XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Original Balance, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/XXXX.
Consumer complaint received 2022-04-29
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. (NJ)

I received a copy of my credit report today and discovered an alleged several number of hard inquiries. I do not recall authorizing this inquiry and i would like to see the application of Credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX U.S. Code, 15 U.S. Code 1681 et seq . Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-24
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. (CA)

There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a kohls card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XXXX. I just want it settled and updated for XXXX that I do not owe anything since It was settled between myself and customer service.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IN)

I've tried to dispute an account on my credit report multiple time and I have yet to receive an outcome. I have never had a XXXX account in my name, nor have I had any XXXX services. I've contacted the debt collector twice by mail ( letters attached ) and the debt has yet to be verified. I haven't gotten a response from the debt collector as of XX/XX/18.
Consumer complaint received 2018-02-05
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. (MI)

Experian continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. Experian refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (TN)

I made a visit to XXXX XXXX XXXX center for XXXX related issues in XXXX of XXXX. My primary insurance paid the amount, and there was a balance remaining of {$1200.00} to be paid by my secondary insurance XXXX XXXX XXXX When the primary insurance paid, XXXX XXXX XXXX center reached out saying I had a balance, and to either pay it, or ensure they had all insurance payors listed. We had noticed that my secondary was not added, I gave them the information and it was added. Numerous times I'd receive letters in the mail saying that the debt is still owed, and that the debt is now outstanding, etc. Each and every time I would call XXXX XXXX XXXX XXXX, and they would ensure me that the secondary insurance is processing and to ignore the demand letters. All of a sudden the debt was transferred to collections. I call them back and asked why they told me to wait for insurance to process and then sent it to collections, they had no response other than the person I spoke to gave me incorrect information, they have notes of each and every phone call I made to them, but refuse to admit guilt as they already transferred the debt. I would have paid the debt, a small amount, in comparison to damaging my credit report, but I was INSTRUCTED to wait by them.
Consumer complaint received 2022-04-28
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. (NY)

In accordance with the Fair Credit Reporting Act : XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # 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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is a complaint against XXXX. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from XXXX to XXXX. I received 2 letters from XXXX ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted XXXX upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in ONE DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
***The U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/2023. **** This report made by XXXX to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MI)

Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life!
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

XXXX XXXX in New York has stated that their policy is to charge the customer {$2.00} anytime he or she uses the XXXX XXXX debit card as a debit card -- if you enter in your pin number to complete a transaction with your XXXX XXXX debit card, you will be charged {$2.00}. If I check out at the store, I need to select " credit '' ( even though the card is a debit card ) and sign for it, because if I enter my pin, there will be an automatic {$2.00} fee. If I use an ATM machine, not only does the ATM machine charge me its fee, but XXXX XXXX charges its own {$2.00} fee because I am using my debit card as a debit card and have entered in my pin number. I have called twice now about these fees -- - the first time, a customer service representative waived {$14.00} worth of fees ( incurred for not selecting " credit '' when using my debit card to check out at stores ). More recently, I had to visit an ATM machine three times over the course of a week, and then realized that XXXX XXXX   was charging me that same {$2.00} charge for every ATM transaction as well. I called customer service again and they explained that this is just their policy. I was not informed of this policy when I opened my account. A {$2.00} charge for every debit transaction with a debit card seriously adds up, and it seems like this can not possibly be okay. I think they have this policy set with the hopes that people will not notice the fees as they rack up. It has also been impossible to do bank-to-bank transfers from my XXXX XXXX   account since XX/XX/2017.
Consumer complaint received 2018-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

In last two months I tried to make online payments with Wells Fargo and select a date to send the payment. The calendar appears but the website will not allow you to select a date other than the day you are on the website. It seems like they are forcing you to make the payment at that time with no choice of the payment date.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Bankruptcy case number XXXX This is my second or third time asking TransUnion to show proof of how they have verified this account, and they have yet to provide proof, They only say " verified '' which isn't sufficient. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021 XXXX XXXX sent documentation stating that they removed the bankruptcy case XXXX from their report. After that, I sent a dispute to Transunion stating that XXXX XXXX has removed this account. XXXX XXXX is the company TransUnion report to verify bankruptcies. If XXXX XXXX has removed this account, Transunion is lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to help.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TX)

I have an account with Barclays Bank. 

I was on a balance transfer promotion with 0 % APR. Under the promotion, Barclays would quote the amount that needed to be paid each period to avoid paying interest. For every monthly statement period while under this promotion, I paid at least the amount quoted that would prevent me being charged interest. On my statement ending in XXXX, I was instructed to pay the amount of {$3700.00} to avoid paying interest. This amounted to the full statement balance. I did so by the due date. 

Despite this, I was assessed interest on the arbitrary amount of {$2700.00} at my purchase rate. I reached out by secure message online to Barclays to have this explained. They claimed that residual interest is assessed when attempting to pay off a balance transfer in full. This would appear to contradict what is written on their statement as the amount required to be paid each month to avoid interest. 

Further follow up messages from me to Barclays were ignored and not responded to. As such, I am reaching out to the CFPB for assistance as I believe that either a mistake was made by Barclays that should be rectified, or that deceptive conduct has been engaged  in.