davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : US BKPT CT FL XXXX  XXXX Docket # : XXXX Source : XP/XXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX 0 BANKRUPTCY XXXX/XXXX  WAGE EARNER PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet,  Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have
to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (IL)

I was charged for an emergency room visit. I never received any care wat so ever. My infant was taken to the hospital but was never seen for anything, I left because the wait time was absolutely too long. I ended up taking her else where to receive care. There is an outstanding bill of XXXX from XXXX XXXX XXXX. 
This is totally false and they are trying to scam me out of money.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MA)

I have been having a hold on my usbank reliacard Since XX/XX/2020 I have called severally all I keep getting is the same answer in different ways I was told to fax my document to a fax number which I have done upto 5 times with no response from them I have my reliacard on hold I need help for them to remove my account From hold so as to be able to access my fund I never got no email back each time I try to talk to a representative I spend my whole day at home trying to make this call.
Consumer complaint received 2021-04-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statebridge Company (OH)

After reviewing our credit reports from XXXX, XXXX  and XXXX, we were shocked to see a firm called Statebridge stating that we owe them a mortgage debt. We never heard of Statebridge. Disputes have been submitted to remove Statebridge from our credit reports. Please help us keep Statebridge from attempting to cause us financial harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.
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: CREDIT ACCEPTANCE CORPORATION (PA)

I have previously submitted a complaint with the CFPB ID # XXXX Credit acceptance corrected my credit report. We worked to create a payment plan for the months of XXXX, XXXX and then by XX/XX/XXXX I needed to pay a full regular payment to them. I have complied to each payment arrangement including paying a full payment in XXXX and paying more than what was required. On XX/XX/21 I received a notice from both credit bureaus that Credit Acceptance is once again reporting me 120 days late. This is unacceptable and needs corrected ASAP.
Consumer complaint received 2024-02-24
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. (GA)

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

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Acccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-02-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CONTRACT RESOLVE GROUP LLC (TX)

XXXX XXXX with Contract Resolve Group has contacted me several times via telephone and email after I requested that he only contact me via XXXX mail. He also called my elderly mother on her cell phone, disclosing the details of my debt and saying he would turn me into the XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (KY)

Credit reporting Agency claims an account was opened on XX/XX/XXXX with a freeze in place on credit report. Report states the account was first delinquent on XX/XX/XXXX. Disputed it on XXXX, report does not show that I disputed either credit reporting agencies, on XX/XX/XXXX got an email stating that I requested the dispute be canceled which I did not. All 3 credit reporting agencies say they investigated, verified, and got results in one day on XX/XX/XXXX over a 3 day weekend holiday which the business was closed, which they should be able to delete this in 3 days. No inquiries is reported from either agencies. They got the verification letter I sent on XXXX asking the reporting agency to verify this account was opened on XX/XX/XXXX in writing and over the phone or Delete. Last checked my credit report it still shows the same account with inaccurate info. The reporting agency has different addresses for this business. Thank you.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

On XXXX i sent a letter to the bureau regarding Inaccurate accounts being reported to my credit report. It has now been over 45 days that I have not received a response, I feel as though my request has been ignored. In this time of pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 45 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the XXXX data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo sent me a letter telling me I met all the requirements to have the PMI taken off of my monthly payment and to give them a call. I gave them a call and the guy explained to me yes, and it is a program they have, and talked to me for about 15 minutes explaining all I have to do is have an appraisal done or something called a BPO, and I would save hundreds of dollars per month. He said I was wasting money with the PMI and I could be saving that money, instead of just throwing it away. I felt this was an answer to my prayers in the wake of the global pandemic of COVID that is happening right now. He said they would send me another letter explaining about the BPO and the appraisal. I waited for a little over a week for the letter that was supposed to help me. The second letter I received said something total different and to pay over {$6700.00} to have it removed. I called them to speak to someone to see what was going on, and the lady said, oh the man told you wrong information, and we have to do an investigation, but you can not get it removed without paying us the money there. They lied to me, very deceptive practices.
Consumer complaint received 2023-01-31
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)

Disputed late payments multiple times regarding XXXX XXXX XXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire account.
Consumer complaint received 2020-09-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I reached out to Citizens bank many times to fix this " mistake '' made by your company onmy account. This account is showing that i have two late payments one for 30 days and one for 60 days which is not true at all. I've tried everything to get this situation handled quickly as possible. The late payment status showing should be removed I was never late on XX/XX/XXXX or XX/XX/XXXX. They never marked that i disputed this with the credit companies.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NC)

My car was reprocessed in XX/XX/2018 by Credit Acceptance Corporation and the account was closed. Balance then was around XXXX now it is XXXX Now this year they just started to add interest monthly on the remaining balance, They car was sold at Auction XX/XX/2018. How can they charge interest now on a car i do not have and keep reporting it to my credit on a closed account? I have called them because the police cam to my house saying they located the car in XXXX NC and that it was stolen. I explained i no longer owned that car it was reprocessed. I called Credit acceptance and they said the car was sold at auction over a year ago, but they cant do anything if the buyer did not put the car in their name. All they could do was provide me with a letter saying the car was not mine. After that call i began to see them reporting to my credit. With fees
Consumer complaint received 2021-03-29
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. (MA)

Hi CRA / XXXX XXXX XXXX ; ***See attachments that for a civil judgment that was settled and I was promised and guaranteed that it was going to be removed or deleted from my credit report. ****** Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

XXXX you should not be reporting anything about a re-investigation Your statement on the consumer credit file should appear like this consumer dispute meets FCRA requirements is what the law tells you what you should and must report plain and simple Only the credit bureaus and only equifax per their website should place anything about a Re-investigation and you know this. After speaking with an attorney she tells me the reason the YOU and YES I USE YOU is that some credit scale will over look the dispute marks and thats your way of not enter the remarks. You didnt do anything and thats why you are guilty as here is what I found to be true. Equifax does it self if you did do this why didnt you do this with XXXX and XXXX I tell you why is Equifax is the only bureau thats enter what you claimed you deleted. I dont want to sue you but this one wouldnt be hard at all to get you!! Remove the 1 account on Equifax And remove 2 accounts from XXXX and XXXX today When you file a credit dispute with XXXX, XXXX, -4.98 % the agency reaches out to the entity that provided the information. Typically, thats the creditor. 

The business that provided the information in question has 30-45 days from the date you submitted your request to respond back. In some states, the time limit may be shorter. 

When XXXX receives a response, it notifies you of the results of the investigation. If it doesnt get a response in the allotted time, XXXX will correct the disputed information as you requested or delete the disputed information. During the investigation process, XXXX does not add a comment, note or any other indication of a dispute on your credit report. 

XXXX dispute Fuel for Investing Smarter Make the smartest investment decisions with access to XXXX XXXX in-depth analysis and unrivaled market predictions -- all conveniently accessed on XXXX. Limited-Time Offer : {$12.00} for 12 Weeks. 
LEARN MORE XXXX XXXX, -2.49 % also follows up with the entity that reported the information. Based on the information you provided and the information provided by the creditor, the bureau makes a decision about the dispute. 


Advertisement How long does a dispute take with XXXX? XXXX usually finishes an investigation and provides you the results about 30 days from the receipt of your dispute. But the company recommends preparing to wait for up to 45 days. 

XXXX does not note your credit file when an investigation is in process. It will change the disputed information as you requested if the creditor does not respond in a timely manner. 

Equifax disputes Equifax EFX, -3.03 % notifies you of the results of a dispute within 30 days. On average, disputes are resolved within 10 days. 

Unlike the other two agencies, Equifax does indication an item is under dispute on your credit report during the investigation. 

Also see : Equifax says it will work with lenders, creditors to help reduce the impact of the coronavirus crisis on U.S. credit reports
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (CA)

Hello, I have a Bank of The West XXXX  account. Started out as a combo saving and checking account and now they have done away with the saving acc. My checking account was {$16.00} short. I was charged on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$30.00} dollar overdraft fee, on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$35.00}? All for the same overdraft? Apparently every time XXXX makes a request for funds I have to pay another {$35.00}.? This is FRAUD. I have repeatedly requested that the bank not process any inquiry when the balance is XXXX or below. They refuse. When I try to get cash from the machine and the account is low, The machine says your request can not be processed at this time?. Why can't they do the same for XXXX instead of robbing me. 

If this is the built in way banks are allowed to rob old people I will be forced to withdraw from this FRAUDULENT SYSTEM. P.s. Thanks for bailing out these Criminals!
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

This is more info in reference to these complaints : XXXX XXXX I called XXXX XXXX  XXXX  ( Owned by XXXX XXXX ) and they confirmed that I paid off my bill via autopay on XX/XX/XXXX and I never had a late bill. The person checked the greater XXXX XXXX network and showed no other accounts. He said this account was fraud. 

This make sense as to why I never got a bill before it was in collections and also why when I spoke to TransWorld Systems when I first became oaware of the delinquent payment ( XX/XX/XXXX ), they told me they tried to contact me at a phone number which never belonged to me. 

I should have never paid Transworld and they owe me a refund along with the prompt removal of this delinquency from my credit report.
Consumer complaint received 2017-08-07
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. (CT)

I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries  that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
Consumer complaint received 2020-04-22
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. (FL)

REMOVE INCORRECT PERSONAL INFORMATION Please remove the following personal information that is showing for me which is incorrect : Incorrect Addresses XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My correct current address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX I have attached a copy of my drivers license as proof.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After applying for a mortgage loan and finding out my 3 credit bureaus are reporting wrong information on my credit report. My loan is now on hold until this problem is solved! They are reporting wrong addresses on my report, addresses that don't even exist. I have lived at the same address since 1985 and have never used another address. I have lived at XXXX XXXX XXXX XXXX XXXX since 1985 and have never used another address.