davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
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: EQUIFAX, INC. (GA)

As a result of the credit inquires below in violation of the FCRA Sec. 604, I have contacted Equifax and XXXX Credit Bureau. However, the issue has not been resolved. I explained that I was not aware of these inquires, but they still refused to renovate them. I contacted XXXX, who removed them immediately. Could you assist me in removing these XXXX inquiries? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX Phone XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX GA XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX
Consumer complaint received 2018-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (IL)

On XX/XX/2017 your Inquiry Resolution Specialist, XXXX XXXX, sent me a letter. This letter was XXXX XXXX XXXX attempt to validate a date. The said debt belongs to XXXX XXXX XXXX. The debt is not theirs to collect from me. 

The company went further on to send me a bill from XXXX XXXX XXXX that outlined medical procedures that had taken place. We BOTH know that is an automatic HIPAA violation. The company went even further as to present a document that could be used as a contracta contract between XXXX XXXX XXXX and XXXX XXXX. Unfortunately for the agency, the contract does not include XXXX XXXX XXXX. Also, the signature is not mine-at all. Each credit bureau has a copy of my identification and ssn card ( which includes my signature ). 

Due to the recklessness on your XXXX XXXX XXXX part, I have reported them to the Office of Civil Rights for their HIPAA violation. I have also reported them to the BBB for misrepresenting their actual power. XXXX XXXX XXXX is currently banned from collecting in the state of Illinois -- which is my current residence. Also, since this agency is responsible for the only collection any of my three credit reports, their false reporting has caused me undue damage.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (TX)

My wife 's payroll for the month of XXXX was deposited on to my XXXX  payroll card from her school district, but then was forwarded as a direct deposit to another prepaid card and account that is not ours and we have no access to. We have called a requested the money transferred back on numerous occasions without success.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NY)

Daily for the last couple months over been receiving calls from discover. Every time I answer there is no response on the other line or machine recording or anything. Ive been on average receiving about 30 calls from this same number a day often times many back to back and has resulted in me needing to block the number through my XXXX XXXX XXXX call protect due to me needing to be available to take calls at both of my jobs and the harassing calls leading to me having issues at work. 
The video attached shows me scrolling through the calls all from this same number just from the last day and a half. Also discover somehow acquired my parents phone number and has been calling and harassing them every morning when they work nights, they have absolutely nothing to do with me debt.
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Late Payment for XXXX  XXXX on XX/XX/2020 XXXX XXXX Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my XXXX XXXX XXXX XXXX. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise
Consumer complaint received 2021-01-23
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. (IN)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2018-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

In 2015 my accounts were supposed to be in forbearance with a monthly payment of XXXX, I frequently received calls stating my payment was late and each time had to explain that it was supposed to be in forbearance. I was reaffirmed it was taken care of but it never actually was, on my credit report I can see that in 2015 I have a negative remark as a 90 day + late payment and then a couple of months later it shows that I was caught up again despite having not made a payment because it was in forbearance. I feel the loans have not been clearly defined and the help we receive when we ask for it is either inadequate or misleading.
Consumer complaint received 2023-01-12
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. (MD)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following inaccurate information to be updated and corrected right away 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXXXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

XXXX
Consumer complaint received 2021-11-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (FL)

Hello, My name is XXXX XXXX and I am seeking legal advice on a fraudulent activity from BBVA. The company BBVA repossessed my car on XX/XX/2020 without a letter of notice. Before this took place, I spoke with a BBVA representative on XX/XX/XXXX and they told me I was behind {$1200.00} for car payment. I sent them a check in the amount of {$920.00} and a money order for {$300.00} on XX/XX/XXXX. I was under the assumption that everything was fine as I never received any notification that an order was sent out for repossession on my vehicle. Then, to my surprise they took the car on XX/XX/XXXX. When I called them they stated that the check I gave them was lost and never received. They reported on my credit report that my outstanding balance was XXXX and they sold the company to someone else. Now, today XX/XX/XXXX, I checked my bank account and it is over drafted {$920.00} from the check that they stated was lost and never received. I need to dispute this fraud immediately. An investigation claim needs to be opened on this company. I need the check amount placed back into my bank account. I called them today to find out why they did that and they replied saying they had the check and money order and had applied it to my account. I told them that I no longer have an account with them as my balance was reported XXXX. Please advise on how I can take legal action. THANK YOU! 

Regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX Fraudulent Company : BBVA XXXX
Consumer complaint received 2020-06-03
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: Experian Information Solutions Inc. (OK)

Hello, My name is " '' XXXX XXXX '' ''. For over a year, i have trying to reach out to get fixed all of the error information in my credit report. However, my affords seem like worthless and my problem still haven't even changed. I notice that all of the name and some of the addresses that exist in my credit report, have no relationship with me and our business. Here are the name and addresses that need to be removed off my credit account : *NAMES REPORTED _XXXX, XXXX, XXXX _XXXX, XXXX , XXXX ************************************************ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/24 Bank of America XXXX app showed total balance {$3300.00}. I paid {$500.00} on XX/XX/24 and XXXX on XX/XX/24. Payments cleared my bank. I checked mobile app on XX/XX/24 to confirm {$0.00} balance ; however, showed {$71.00} balance for interest, after I paid the total balance in full. 

I called Bank of America on XX/XX/24 requesting the {$71.00} be removed since I paid the total balance in full. 

In addition, when i initially applied for the application, I was approved and sent mulitple cards for multiple accounts. Bank of America has opened multiple accounts and inappropriately charged interest after account was paid in full.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX made a hard inquiry on my credit report on XX/XX/XXXX without my permission or authorization. I spoke to TransUnion supervisor XXXX XXXX on XX/XX/XXXX who refused to remove the inquiry and informed me that I could not dispute the inquiry. I contacted XXXX XXXX who told me they would not ever make a hard inquiry without authorization. But XXXX would not send a letter asking for the hard inquiry to be removed. I asked Transunion to make this inquiry a Fraud Inquiry and they said no. So there you have it, both the credit company and the credit reporting agencies are both working against the consumer with no way to resolve. What a shame.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

XXXX XXXX XXXX is attempting to collect a debt that was paid by my security deposit. They failed to send the proper documentation in the correct amount of time after I moved out of the apartment. A walk through was completed and nothing was mentioned that any money was owed after move out. I didn't receive a security deposit letter advising me what I owed for or any pictures of the claimed damages. They also falsified documents stating that I didn't pay a security deposit in the amount f $XXXX. I have a letter and emails stating that the amount was received. The apartment complex changed management companies after I moved out and no one seems to have any information pertaining to my lease. This is completely illegal and needs to be removed from my credit.
Consumer complaint received 2018-02-06
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. (GA)

These are errors:Addresses:XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers:XXXX XXXX XXXX
Consumer complaint received 2018-03-29
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: Experian Information Solutions Inc. (FL)

This is a followup to complaint XXXX I just received a reply from Experian. It is obvious that they did not read the complaint and simply pasted some boiler plate text as an answer. 
I have made it clear that I do not dispute the debt. What I want is for Experian and XXXX to agree to remove the negative comments on my report in exchange for payment. They both tell me it is not up to them, but to the other party. Experian did not even remotely try to answer the question and simply concluded that the debt was valid ... TO WHICH I HAVE AGREED. 
Can you please get these lazy careless people to do their job? 
Thank you
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

I was charged for a purchase that I did not make : on XX/XX/2018, a charge of {$420.00} was made through XXXX ( XXXX ) on my credit card. I did not purchase this item-this charge is fraudulent. 

I immediately disputed the charge, and closed the account : however, the merchant is stating that I did make the charge. The credit card ( Citibank ) has re-charged me the {$420.00}. I called Citibank to, again, dispute the charge today. I am not sure how to resolve this back and forth : I am willing to speak with anyone to clear up the details moving ahead, but I am being unfairly and incorrectly charged at the moment.
Consumer complaint received 2020-09-23
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: CITIBANK, N.A. (NY)

The account reported to the credit bureau does not belong to me It belongs to my ex spouse who add me as second card holder without my consent. 
On the report it states that account is joint but I never sign an agrement with the credit card company but husband is the primary responsable. 
I disputed it with the credit bureau but it remains in my report wich I find unfair
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently noticed on my Experian Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX  XXXX XXXX - Acct # XXXXxxxx XXXX XXXX XXXX   XXXX - Acct # XXXXxxxx XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX - Acct # XXXXxxxx
Consumer complaint received 2018-02-06
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: Designed Receivable Solutions, Inc. (CA)

Designed Receivables account with XXXX XXXX XXXX XXXX is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX XXXX as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the XXXX credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. XXXX XXXX