davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

I filed a complaint against LexisNexis with CFPB ( # XXXX ) on XX/XX/XXXX. I finally received a letter on XX/XX/XXXX dated XX/XX/XXXX from LexisNexis stating that I can access my report online and they provided a PIN. When I attempted to access my report, I received a message that my PIN had expired because it was only good for 30 days. I received the letter 49 days after it was dated. I called LexisNexis today and was told that they are unable to provide a new PIN to access my report and that they would have to send another letter in 7 - 10 business days. They were unable to connect me with a supervisor for assistance. I originally requested that they correct my report in XX/XX/XXXX and filed the complaint with you when they failed to make the legitimate corrections. I was also informed that they are unable to email the report to me. This has been an extremely frustrating experience.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



EQUIFAX fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX XXXX REPORT INCORRECT BALANCE ON ACCOUNT
Consumer complaint received 2019-11-02
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. (WI)

I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to state that XXXX XXXX is verifying the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX XXXX and XXXX- xxxxxxxxxxxx XXXX was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and also XX/XX/XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. Also, I received written notification that this item will be deleted because it violated my rights under the FCRA ( See ATTACHMENT ). Also, the following account ... XXXX XXXX XXXX XXXX is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) from the original creditor or Equifax. I did not get written notification of this fraudulent account. Please also do a fraud investigation for the following unauthorized inquiries : XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SOLUTIONS-XXXX  XXXX, XXXX
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (TX)

I am having problems with Identity Theft and someone fraudulently opened the account in my name. This bank does not have a phone number to call so I have been emailing them with no luck in them helping me. I keep getting the same automated responses back and just want to talk to someone about it. This whole thing has been extremely frustrating and now this bank doesn't seem to care if they help me or not.
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc. (WV)

XXXX, originally through XXXX XXXX Medical Center for {$2000.00}.

These charges occurred in XX/XX/2016. The CEO of the hospital at the time XXXX XXXX agreed to waive & discard all charges from the visit to keep from filling a malpractice suit against the hospital for lack of care & discharge from the hospital. The event of the neglect resulted in me going to another emergency room the following day to seek medical attention resulting in a serious medical condition, a 9 day stay in the hospital & continuous follow ups as well as being out on Social Security XXXX. When XXXX XXXX Medical Center took on a new CEO later in 2016, the charges that were once taken care of were resent. I called and verified the previous agreement of the charges being waived to avoid a malpractice suit, but it was still sent to collections.
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

My lease was up in XXXX and I decided to purchase the 2020 Hyundai XXXX. I sent the check to Hyundai on XX/XX/XXXX ( {$12000.00} ) and they cashed the check on XX/XX/XXXX. They sent the title in approximately XXXX XXXX later but failed to send the lean release. I can not register the car in my name until I receive this release. I have been in contact with Hyundai Finance for over a XXXX now and XXXX XXXX I'm told its being processed and will be mailed in XXXX XXXX XXXX XXXX. I call again, and am told it will be mailed tomorrow and I'll get it in XXXX XXXX XXXX XXXX. This has been going on for XXXXXXXX XXXX and still can't get an answer when I receive the lean release. I don't know where else to go to get help. AT this point i'm ready to get my lawyer involved. Any help you can give me would be appreciated.
Consumer complaint received 2022-04-02
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. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reportsXXXX 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 XXXXXXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers XXXX # XXXX this is a violation of HIPPA act and FCRA 609,611 please delete this error.
Consumer complaint received 2020-02-19
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: LEXISNEXIS (GA)

I am disputing methods of verification for a bankruptcy listed on my LexisNexis report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from LexisNexis at XXXX XXXX on XXXX  who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed LexisNexis does not and has not verified information in my file. LexisNexis sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but LexisNexis believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by LexisNexis.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-04-02
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. (SC)

Due to the XXXX data breach I am a victim of identity theft. My name and social sercurity number was used to open credit cards. I have filed a complaint with the Federal Trade Commission and Identitytheft.gov website. I have notified XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX about the fraudulent accounts that they are reporting on my TransUnion and XXXX credit reports. I have attached the letter from the Federal Trade Commission and the identity theft letter. Please investigate these accounts.
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2020-11-22
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. (MS)

I have reach out to the credit bureaus about fraudulent items and inquiries on my credit report and provided documents along with my social security card and drivers license and they still havent removed these items
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (AR)

I refinanced my FHA mortgage with Arvest Bank in XXXX of XXXX. On Friday, XX/XX/XXXX, I sold my home secured by this mortgage and payoff was to be sent that day from XXXX XXXX XXXX XXXX in XXXX, Arkansas. However, they did not send the wire that day, apparently missing the cutoff time which caused my payoff to not be received until Monday, XX/XX/XXXX. I have been in contact with both XXXX and XXXX, who have not offered any remedy to the situation that is not my fault. I am aware of the CFPB 's stance that this practice is considered a prepayment penalty prohibited by law, and that the FHA effectively banned this for loans made on or after XX/XX/XXXX. While my loan was made prior to this date, there have been numerous successful class action suits made by borrowers over this issue. It is theft. I no longer had legal access to this property as of XX/XX/XXXX and if you aren't going to charge me a mortgage payment for XXXX ( it would have been due XX/XX/XXXX ), how can you charge me interest? In addition, my monthly mortgage payment was made for XXXX of XXXX, which included interest of {$290.00}. Where is the {$590.00} of interest on the payoff coming from? The payoff is dated through XXXX and I closed XX/XX/XXXX. I have been overcharged and I would like these funds returned to me, along with my surplus escrow funds.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I submitted a payment to Bank of America for my XXXX  XXXX credit card through my credit unions billpay on XX/XX/XXXX for {$700.00}. On XX/XX/XXXX, Bank of America debited my checking account on file ( from previous payments ) without my authorization for {$700.00}. I called Bank of America to notify of the error and dispute to have this double payment/double debit to my account resolved. I was notified that I would receive a credit/refund of this double payment in 5-10 business days. in this process, my credit union memo-credited me {$700.00} in the meantime until the refund was received. XX/XX/XXXX, 7 full business days later there was still no credit from Bank of America so I called to confirm of refund of double payment. Was notified by a separate employee that I did not provide a checking account number so no refund would be issued. I notified the employee that in my previous call on XX/XX/XXXX that providing an account number for refund was not given to me as an option. I was notified a check would be mailed within 5-10 business days. Gave employee checking account number for credit to once again be credited back to me from double payment made on Bank of America 's behalf without my authorization. Was notified this time, that the credit would be issued within 15 days ( by the latest date of XX/XX/XXXX ). My bank retracted the {$700.00} memo-credit to my account so I have still not been credited back for an un-authorized debit to my account by Bank of America for a double payment to this credit card account. This is a violation of my rights as a financial consumer as well as a Federal Regulation E violation. Regulation E ensures that the day a consumer ( myself ) verbally notifies the financial institution they have 10 CALENDAR days to notify of resolution with an absolute maximum of 45 days IF provisional credit has been made and I received error resolution notification within 2 days. This is a disgrace as a provider of financial expertise as well as a disgusting practice. It has now been 27 calendar days since my original notification of error with zero resolution from Bank of America and I have now been shorted {$700.00} wrongly with no sight of resolution.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$1500.00} which is detrimental to my credit status, inaccurate and untrue.
Consumer complaint received 2021-02-03
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: AMERICAN EXPRESS COMPANY (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, AMEX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, AMEX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-11-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (VA)

Hi Im currently in litigation with XXXX XXXX XXXX for a second mortgage for a home foreclosure. The primary mortgage is responsible for paying the second and is refusing to even acknowledge it exists or that the first, Ocwen Mortgage, received an overage on the note due to them. XXXX will never get a dime from me. They are liars and are harassing me for money that is actually owed from Ocwen who took the property. Banks not paying each other is not my problem.
Consumer complaint received 2019-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hi, I've just opened a CapitalOne Credit card ( Venture ) with  annual fee $ XXXX/year. I was using the card for my daily purchase and suddenly my card was block last week. I try to call the CapitalOne service many times but no reply and I still don't know why my card is blocked. 
My credit limit is {$5000.00} and my current balance is {$1700.00} Please help to solve this issue. 

Thanks
Consumer complaint received 2021-02-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2020, ( officially picked up from the XXXX XXXX on XX/XX/2020 ) I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt. LETTERS AND TRACKING WILL BE ATTACHED. Also, in the companies prior response, the company stated that it sent me initial notification letters. THAT IS A LIE AS I HAVE NEVER RECEIVED AN INITIAL NOTIFICATION LETTER. Furthermore, YOU ARE REQUIRED TO SUPPLY THE CONTRACT. What else gives me any legal obligation to PAY YOU? A CONTRACT WITH MY SIGNATURE ON IT. Also, on the XXXX XXXX  account, THAT ACCOUNT IS PAID IN FULL WITH THE ORIGINAL CREDITOR WITH NO HISTORY OF DEROGATORY STATUS *Proof will be attached*. ANOTHER THING, in your response to the previous complaint, you stated you ceased all communication and collection activity with me. My letter stated for you to CEASE ALL TELEPHONIC COMMUNICATION WITH ME AND COMMUNICATE WITH ME VIA LETTER MAIL AS WELL AS CEASE ALL COLLECTION ACTIVITY IF YOU CAN NOT VALIDATE THE DEBT. Is this your admittance that you can not validate the debt? To this day, this company has not legally validated this debt and still reports it to the credit bureaus. This company has not answered any of the questions in my letters. Billing statements are not a validation or proof of debt as anyone can create a billing statements. How do you have a billing statement from the XXXX Account and the account is paid in full? How do you have a XXXX XXXX account and that account ( original creditor ) is not on any my credit reports. Lastly, how do you own accounts that are allegedly mine if the Original Creditor CANT EVEN VERIFY THAT THOSE ACCOUNTS BELONG TO ME.