davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-25
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)

Ive sent multiple FTC reports to Equifax XXXX XXXX XXXX. Ive also sent a 605b along with proof of identity. Im a victim of Identity Theft. Its multiple medical bills on my report. Someone used my name to file taxes get medical care and to get apartments. Ive never done business with XXXX XXXX XXXX or the original creditor. Please see attached FTC reports. Per Fcra & 605b All items Fraudulent must be blocked from my report.
Consumer complaint received 2021-03-05
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. (VA)

In XXXX of 2021 this year I talked to a representative at Equifax in the fraud department to dispute inaccurate information being reported. I asked for the account to be deleted because I noticed that their is no company name, address or any contact information to actively dispute this account. 15 U.S. Code 1681, plainly states that inaccurate credit reporting gravely affects fairness, and the respect for the consumer 's right to privacy. This is fraudulent activity and it's very hard to deal with emotionally, I demand this account be deleted, I do not validate this debt!
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NJ)

I was affected with the Equifax breach, confirmed by their website as of XXXX XXXX, XXXX. My name, address, SSN and credit card information was accessed.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (TX)

Equifax , Inc. was victim to a wide scale cyber attack that lasted fromXX/XX/XXXX where intruders gained access to information about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers as well as credit card numbers for about 209,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that I used to determine that my information was indeed compromised.
Consumer complaint received 2023-01-26
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted 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. 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 2024-01-31
Product: Credit reporting 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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-09-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MST Financial Services, L.L.C. (ID)

I discovered Chapman Financial Services was attempting to collect a medical debt which I believe I do not owe. I started sending Chapman Financial Services letters via certified mail back in XXXX of 2020 asking them to verify the debt with my signature ( I will attach a copy of one of the letters to this complaint for reference ), and to remove the debt if it could not be verified. They sent back a list of my accounts ( which is not verification '' ) with only one containing a signature, and the signature was not my signature, yet did not remove the debt.

They have also called my wife 's employer attempting to collect this debt from me, while my wife was at work ( I will also be attaching photo evidence of this ). This incident happened XX/XX/XXXX of 2020, prior to my sending of the letters, I only recently discovered that contacting your family or their employers is a violation of the Fair Debt Collection Practices Act. My wife had to tell her boss and co-workers to tell Chapman that she does not work there anymore in case they ever called again, which was very embarrassing for my wife. 

On XX/XX/XXXX at XXXX a representative from Chapman Financial contacted me  in regard to my letters to see if we could settle the debt. I again explained that I believed I did not owe the debt and that I sent them letters. He responded with " Yes we sent you letters back verifying the debt '', I then responded that sending me a list of accounts is not verification and that they sent me back a signature that was not mine. The representative mockingly laughed at me and responded as If I would never be cleared of the debt, which I felt was rude, offensive, and abusive.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

My name is XXXX XXXX, Address XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX # XXXX. DOB XX/XX/XXXX I disputed charges for my chime checking account for {$280.00}. Chime denied my dispute same day, Reason : Error. 
For claim # XXXX I emailed chime XXXX XXXX that I needed to retract the information I told chime XXXX, because at the time when I called disputing charges, tues XX/XX/XXXX, I didnt realized my CREDIT CARDS WERE STOLEN! My chime spending account card WAS stolen. once I retracted my steps Tuesday, XX/XX/XXXX I then realized MY CHIME CHECKING CARD AND CHIME CRED BUILDER WAS STOLEN. I just went on chime app and deactivated credit builder card. Since chime was so eager to deny my dispute ( the same day ) I need to Dispute charges XX/XX/XXXX for {$83.00}. 
I have a Chime account With A Credit builder account/card and checking account, where there was unauthorized charges starting XXXX XXXX XXXX # XXXX, routing # XXXX. I actually realized on my break Tuesday XX/XX/XXXX and called chime reporting charges for {$280.00}. Chime XXXX started a ticket. I realized when I didnt have my cards in my wallet and honestly couldnt give him a answer to what happened! Later that day I realized my Chime Checking Card WAS STOLEN And My Chime Credit Builder Card along with my other cards. 
Chime emailed me the SAME DAY XXXX, DENYING MY DISPUTE DUE TO ERROR! I dont have that money that was spent. Now Im in the hole. 
Now since Chime was so eager to deny dispute I need to Dispute charges from my XXXX XXXX XXXX from XX/XX/XXXX for {$83.00}. It would probably be good idea to re-open my dispute AND ADD THE CHARGES FROM CREDIT BUILDER CARD. I informed chime I need a new ticket for ( Spending/checking acct. ) reopened and both disputes together. Unauthorized charges for {$83.00} & $ XXXX $ XXXXTOTAL Chime offers Visa Zero Liability Policy AND Deposits are FDIC insured up to {$250000.00} through The XXXXXXXX XXXX  or XXXX XXXX  XXXX XXXX XXXX XXXX FDIC. And we work hard to protect your information for all members!!!!!! I sent a pic for new charges I need to dispute. 
I would so appreciate it if you could help me with these charges. Im barely making end meat now. 

Thank you for your time XXXX XXXX On XX/XX/XXXX, at XXXX PM, Chime Member Services XXXX wrote : XXXX
Consumer complaint received 2022-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have found I have identity theft on my credit report sent in a re-dispute on XX/XX/24 Experian will not investigate they just close my dispute. FCRA doesn't state that you can't re-dispute, or a limit of disputes!! Please Experian dispute my fraud claim on my credit report
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from XXXX. see attached documents.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I applied Citibusiness AAdvantage platinum select card in XX/XX/XXXX, with the promotional offer of getting XXXX miles after spending {$5000.00} in 5 months. The terms and conditions are very clear is that " XXXX XXXX AAdvantage bonus miles are not available if you have received a new account bonus for a CitiBusiness / AAdvantage Platinum Select account in the past 48 months ''. I am aware of it and I never own a citiBusiness AAdvantage card before. 

Citi denied the offer without any notification and I only find out in XXXX after I spend {$5000.00} and did not get the welcome bonus. I called Citi 4 times each time spending over 40 minutes explaining to them the situation. Each time the agents relay my request to their rewards department but refuse to provide any direct form of communication. The rewards department interpret the rule as " Your business received a new account bonus on XX/XX/XXXX on account ending in XXXX '' thus disqualifying you. However the card ending in XXXX belongs to another employee in the business and has nothing to do with me. I have no control over other people in the business and disqualifying my promotional offer because other people in the business applied the card before is unfair. At the very least, if that is the rule, it should be clearly communicated in the terms and conditions in the application page that the promotional offer is not available if the " business '' ( not " you '' ) has received new account bonus in past 48 months.
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (UT)

After a XXXX XXXX issue and had it resolved we had a medical bills from XXXX XXXXXXXX XXXX  that went unnoticed because we thought insurance was still paying it. Before we knew it the account was closed and sent to collections in XX/XX/XXXX. XXXX XXXX XXXX XXXX, they helped us out by reducing the owed amount from XXXX to just XXXX to settle it on XXXXThis was in paid in full that day by a credit card. The bill was paid and on with life we went. 
In XXXX of XXXX we get this call and a notice from Medical Data Systems another collection agency that was trying to collect on this account again for the exact amount that was written off {$300.00}. We were XXXX founded and disputed the validity of the collection and sent them all the current paper work we had. They continued to call until the end of XX/XX/XXXX. We got an alert on my credit report that they dinged my credit for the collection. I called them and Medical Data Systems wouldn't give me any proof of the debt or how they got the collection. All they claimed is that it was from XXXX XXXX. I called XXXX XXXX and they said that's impossible, and that the account was closed and sent to collections in XX/XX/XXXX. There was not another collection sent out on that account or wouldn't be because the account was closed. We are fighting with XXXX to have it removed from my credit and they will not do anything about the negative report. It dropped my credit score from a XXXX to a XXXX and we have been trying to consolidate our debt because i was laid off last year because of COVID-19 for 3 months and we lived off credit cards. We can not qualify for the consolidation because of this negative report. Medical Data Systems has not been able to provide proof of the debt and basically has fraudulently claimed the debt to be owed. I know how Medical Data Systems works and have extensively researched the com plaints about this company and its tactics to get people to pay the debt, by using strategies like we will remove the negative report if you pay the collections that is not even valid. I know i am not the only one that is being held XXXX with this issue by this company and its illegal collection tactics.
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (MS)

I disputed the late payment for Car-Max in XX/XX/XXXX and in XX/XX/XXXX. The credit agencies ( XXXX, XXXX and XXXX ) investigation results showed the late payment had been verified and was correct. I didn't agree with the results ; after speaking with a Car-Max agent today and we were discussing the late payment for the month of XXXX and XXXX -- the agent advised me the late payment for the month of XXXX was actually not late and he did send an electronic correction to all 3 credit agencies while we was on the phone. I advised the agent that I had fell behind because of the COVID-19 Pandemic and since XX/XX/XXXX I had never been late on my car payment and I asked for a " Goodwill adjustment. '' I made three payment in the month of XXXX for full payments and as of today I'm current. The agent said it wasn't anything they could do. I'm in the process of buying a house and I have really been working hard on making on time payments to all of my accounts and because I was 2 days behind on making a payment all of my hard work shouldn't have to end here. My loan officer ; XXXX XXXX call to inform me we couldn't move forward with the house mortgage if I can't get the late payment removed from my credit report. So I ask that you please give me a second chance and grant me a " Goodwill adjustment. ''
Consumer complaint received 2021-09-14
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. (SC)

still reporting false, misleading, and inaccurate Information on my consumer report sent several letters and they refuse to properly investigate, refuse to remove inaccurate item, and refuse to send proper validation.
Consumer complaint received 2021-07-17
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. (KS)

I pulled up my credit report in XXXX using the XXXX XXXX XXXX XXXX website and saw this debt collection from XX/XX/XXXX from XXXX XXXX XXXX  being reported on XXXX  and Equifax. I reached out with a XXXX letter and asked them to validate it on XX/XX/XXXX. It has been over 30 days and i have been completely ignored. They have sent me any information whatsoever and this stuff is still on my credit report. I called the collection company and they couldn't validate anything for me either. How is it still on my report if nobody can verify it as mine .... The only way i can get help is to have you force them to tell me something. ITs been over 30 days and everyone is ignoring me and stressing me out. This has to be a Fair Credit Reporting Act violation right? Nobody seems to care that this is hurting my credit report. Validate it or remove it, and they can't validate it bc it is not mine!
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (CA)

I received a letter out of the blue from XXXX XXXX XXXX XXXX XXXX IL telling me I owe XXXX. WOW! I don't even have a XXXX XXXX XXXX credit card or account. I absolutely do not owe this XXXX I called to try and get to the bottom of this. They started putting me down and tried to make feel like I was some criminal for not paying my bills. Did some research, they have been reported A Lot for their scam. 

Why is this company still in business? How are they able to have a business license? 

What is this world coming to? Do States and cities need tax $ that much to allow such business 's to exist?

I received this letter on XX/XX/XXXX and respondedXX/XX/XXXX andXX/XX/XXXX. This place should be investigated and closed down! 

I DO NOT WANT THIS COMPANY TO HAVE ANY PERSONAL INFORMATION I GAVE YOU! SUCH AS EMAIL ETC I DO NOT WANT ANY FURTHER MAIL OR CALLS FROM THIS COMPANY
Consumer complaint received 2022-09-15
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)

When I analyzed my credit report, I discovered that there are inaccurate information. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-15
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. (FL)

When I reviewed my Credit Report I noticed that there are items that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the items needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-26
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. (NE)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian for requesting proof of identity when I submitted a previous complaint. I had previously submitted a complaint to the CFPB regarding an issue with my credit report. 

In my previous complaint, I provided my account number, name and email address as proof of my identity. However, Experian is now requesting additional proof of identity, such as a copy of my government-issued ID or utility bill, in order to process my complaint. 

I find this request to be unreasonable and a violation of my consumer rights. I have already provided sufficient information to verify my identity in my previous complaint, and should not be required to provide additional proof. 

I request that the CFPB investigates this matter and takes appropriate action against Experian. I would also like to receive an explanation as to why additional proof of identity is being requested, and why it was not requested during my initial complaint. 

Thank you for your time and attention to this matter.
Consumer complaint received 2022-04-05
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)

XXXX has opened a fraudulent account issued in my name and there's is a balance of {$1800.00}. 
Experian reported this charge originally, which I did not recognize that is past due with a company I have never heard of XXXX. I immediately disputed the charch XX/XX/XXXX with Experian. 
I also sent the below email to XXXX XX/XX/XXXX and have attempted to call them to directly dispute without response. 
" I would like someone to contact me as soon as possible regarding a delinquent account that was opened on my name fraudulently and is erroneously now appearing on my Experian credit report. I do not have business with you and expect this to be rectified with immediate effect. '' This is not my account. It is a fraudulent account.