davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Forest Recovery Services LLC (OH)

Tried fix I sent a letter.get, I called this told dr office, this bill not mine was granddaughter, I took her to dr they put her stuff with my name .I sign her in! It was billed wrong to my son insurance! I called dr office they put down on paper wrong information, they never fixed it so insurance wont pay it!! Dr office keep billing me!! It not my bill,
Consumer complaint received 2020-10-28
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. (TN)

I submitted a complaint on XX/XX/XXXX about my Equifax Credit Report. The problem is that XXXX XXXX XXXX or Equifax is reporting the " Date Maj. Del 1st Rptd '' as XX/XX/XXXX and the " Date Closed '' field is not reported which is not correct. 

On page 2 of the TRUSTEE DEED, on XXXX XXXX XXXX XXXX XXXX  bidded {$85000.00}. The TRUSTEE XXXX XXXX XXXX, signed the trustee deed. Page 2 of the Trustee Deed says in quote " The property was struck off to XXXX XXXX XXXX for said amount, and said bidder was declared the owner thereof. '' XXXX XXXX XXXX OR Equifax need to correct the " Date Maj Del 1st Rptd '' field to XXXX of XXXX and correct the " Date Closed '' field. 

I've have attached Page 2 of the TRUSTEE DEED. Also is attached is the " Dispute Results '' from the XX/XX/XXXX dispute. See page 4 of the Dispute Results which shows the " Date Closed '' field is blank and the " Date Maj Del 1st Rptd '' field is XX/XX/XXXX. 

The " Date of 1st Delinquency '' is XX/XX/XXXX, The " Date of Last Payment '' field is XX/XX/XXXX which are correct. The " Date Opened '' is XX/XX/XXXX which is correct. 

On my most recent dispute, XXXX updated the following sections on my equifax credit report : ADDITIONAL INFORMATION, BALANCE, PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT and ADDITIONAL INFORMATION : The ADDITIONAL INFORMATION SECTIONS has 180 days or more past due. I can not be 180 days or more past due if XXXX purchased the foreclosed property on XX/XX/XXXX. 

Foreclosure Real Estate Mortgage 180 Days or More Past Due
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX # XXXX, XXXX  Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX  Acct # XXXX XXXX XXXX XXXX # XXXX, and XXXX 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 a account without my written instructions
Consumer complaint received 2022-04-28
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Experian : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have had a money market/savings account with Capital One for more than 15 years. A few months ago they closed my account without informing me and moved my funds to a different savings account. It is my suspicion that when they did that, they mistyped my husband 's social security number because all of a sudden my account was locked. I had a significant amount of funds in there, and I called the bank several times. They told me the first time they could only talk to my husband. Luckily he had come home during the 45 minutes I had been on hold. They asked me to send a letter in stating his social security number. In my haste, I apparently forgot to date the letter. They never informed me of this until I called again a month later ( and was on hold for another 45 minutes ). At that point I asked to close the account. They told me they couldn't do that until I sent in another letter, which means that I have to be on hold for another 45 minutes. Until then, my money is unavailable to me. 

In the meantime, I received a letter stating that someone I never heard of has been removed from my account. As you can imagine, that made me panic- who was this person who once had access to my account? Clearly the company has made some major mistakes but yet I'm the one who can't access my money. 

I have sent yet another dated/signed letter over three weeks ago, and my account is still locked. I have no desire to spend another hour on the phone for them to tell me they can't do anything. Is this legal for them to keep more than {$5000.00} locked up when both I and my husband have verified our identities over the phone? Is it legal for them to move money from one account to another without telling us and then lock our account with no explanation? As I no longer want to have a savings account, I feel as though they are keeping my money locked up against my will
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (TX)

I filed bankruptcy in XX/XX/XXXX • The bankruptcy was discharged in XX/XX/XXXX - when I began to review my credit report to make sure that all of my accounts were documented correctly I noticed that there were two accounts listed for XXXX XXXX XXXX. I only had 1 loan with XXXX XXXX XXXX not two - so that caught my attention, as I have had some identity theft concerns. However, my bigger concern was that the status for one showed “Debt Included in Bankruptcy “ which is correct as XXXX XXXX was included in my Chapter XXXX and the other XXXX XXXX XXXX account shows “ Charged Off “ with a first report date of XX/XX/XXXX. That’s 3 years after I filed for bankruptcy .. so I called both Experian and XXXX ( who more then a month later has yet to even acknowledge my dispute or sent me the credit report I requested over the phone.) Experian however filed a dispute sent me a copy of the results which now shows that disputed XXXX XXXX XXXX account was charged off in XX/XX/XXXX which is still after I filed for my bankruptcy in which XXXX XXXX was included as well as egregiously different then the date initially listed on my credit report .. XXXX XXXX XXXX changed my account number and then sold this debt to another company after it had been included in a bankruptcy • and then listed it incorrectly as a Charge Off on my credit report. The amount in question is $XXXX
Consumer complaint received 2022-04-28
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX : {$400.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-02-28
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. (WA)

Transunion, XXXX and XXXX are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX credit report shows tradeline XXXX XXXX # XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's XX/XX/XXXX days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides three exceptions relating to educational obligations, These Loans met the criteria for dischargeable as 1 they were not Federal Direct Loans, old Federal Family Education Loans ( FFELs ), and state guaranteed loans 2. A private student loan is not a scholarship or stipend, and the overwhelming body of XXXX XXXX finds that it is not an educational benefit either. See XXXX  v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. Cir. XXXX ) ; In re XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). That a private loan is an educational benefit is inconsistent with the full text of XXXX XXXX. XXXX ( XXXX ), and XXXX did not provide validation that a private student loan is a qualified education loan under the third exception. 
XXXX tradeline shows contradictions in dates of delinquency ( last payment ) XXXX XXXX or XXXX XX/XX/XXXX. 
XXXX does not show inclusion of XXXX  XXXX claim status.
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Experian stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with experian they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court eastern district of va. Well per exhibit A which is a letter directly from The courts proving that experian reported a false and inaccurate item. Per the bankruptcys court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the law.
Consumer complaint received 2020-10-28
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. (NY)

XXXX, XXXX and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2022-04-28
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : {$400.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This agency violates 15 USC 1681i. 

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2021-09-08
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. (CA)

On XX/XX/XXXX, Transunion received an identity theft report in according with the FCRA. FCRA states a credit reporting agency ( Transunion ) is required to block the information within 4 days. Transunion failed to block the information. Transunion does not have the authority to decline or rescind any block because it was not made in error, there was no material misrepresentation of the facts, and I am not in receipt of any evidence to which Transunion has determined that I have obtained any goods or services as a result of the blocked transactions. Additionally, since then Transunion has allowed the alleged accounts to continue reporting what should be known as false information. Transunion has failed to follow the requirements under 15 USC 1681c-2. Their failure has caused significant harm to my reputation and allowed for my private information to be obtained without proper systems in place to protect me.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

I made a purchase on XXXX. Before making the purchase I contacted XXXX and I asked clarifying questions about the item I was purchasing. I won the auction on XX/XX/XXXX and I receive the items I was expecting. paying the listed price of {$39.00} dollars. I received the item in a reasonable amount of time. I was contacted by XXXX XXXX on XX/XX/XXXX, telling me that they shipped me the wrong item and that I need to ship it back or they were gong to charge my credit card for {$300.00} dollars. I felt like I received the correct item, and I no longer own the item to ship back. I offered multiple mutually beneficial options for us to resolve this issue. They were not interested in a resolution that was reasonable. They turned an amount of {$250.00} dollars over to IC Systems, a collection agency out of XXXX XXXX, MN. I feel like this is a ridiculous situation and an abuse of the debt collection process. I never agree to pay more than the listed amount in the XXXX auction. What is keeping XXXX from continuing to do this to other people. This feels like a textbook bait and switch some how. I just want to know what my rights and obligations are in this situation.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, account or inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX 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 2022-04-07
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: EQUIFAX, INC. (AL)

I WAS SENT AN ALERT THAT THIS COMPANT BY THE NAME OF XXXX XXXX XXXX HAD OBTAINED A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSION. UPON CONTACTING THIS COMPANY THEY PLAYED CRAZY AND ACTED AS THOUGH THEY DID NOT WHAT I WAS SPEAKING OF. THEY ARE LISTED ON MY EQUIFAX CREDIT REPORT.
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On about XX/XX/XXXX I ordered a small what I believed to be XXXX returns pallet from XXXX  that led me to believe they were a us company moany shipping from Tennessee. A few days later I still had no tracking number so I looked up the alleged address of shipment. It belonged to a legitimate company who does sell pallets of goods but stated they were not affiliated with XXXX  and that they already had notified XXXX, the authorities and the fbi for fraud. I contacted chase and filed a dispute. After a couple of weeks they reversed the XXXX claiming the merchant from XXXX provided a tracking and delivery. They never contacted me to dispute what was shipped. I received a small white bag with 2 knockoff drill bits. I contacted chase on XX/XX/16 to ask why it was reversed and they stated because they provided tracking and delivery nothing else mattered.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Application ID XXXX Ckg Acct XXXX Savings Acct XXXX In XXXX XXXX, I applied for a Citizens Bank {$600.00} bonus offer consisting of {$300.00} for a checking account, {$200.00} for a savings and {$100.00} for opening both on the same day, which I did. All other requirements were also met. A few days after opening, I noticed the savings account wasn't showing online when I logged in. I called Citizens and was told there was some sort of glitch on their end and was assured it would be corrected and that the accounts would both show the same opening date.

Six months later I still have only received {$300.00} for the checking account. I was told I didn't qualify for the {$200.00} savings account bonus or the {$100.00} for opening both accounts at the same time because they showed the savings being opened later than the checking, contrary to what they told me in XXXX. Nevertheless, there is still no reason for the {$200.00} savings account bonus not being paid. 

Per their terms, the full bonus should have been paid by XX/XX/XXXX. Numerous messages and phone calls to the bank have produced no results. I have attached documentation proving that all qualifying activities were met and the full bonus should have been paid.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

AMSHER COLLECTION SERV is attempting to collect a debt that was a result of identity theft, the account was fraudulently opened and the original creditor XXXX had already removed said account from the credit reporting system 's.
Consumer complaint received 2022-04-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a XXXX XXXXBankruptcy and in doing so 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 a account information without my written instructions.