davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-10
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Media Collections, Inc (MD)

On XX/XX/2022, at about XXXX, I was robbed by armed robbers who went away with my vehicle and other valuables including my wallet which contained my drivers license and other bank cards. The XXXX  police was notified and the case number is XXXX. Apparently, my ID card has been used to create and loan goods from XXXX XXXX at several locations. Media collections, Inc. XXXX Joseph , Mann & Creed which is a collections company contacted me with 3 different bills as follows : account number XXXX charged {$3900.00} Account number : XXXX charged XXXX Account number : XXXX charged {$4000.00} I did not make any of these purchases and I do not know if many other accounts have been charged claiming to be me.
Consumer complaint received 2020-04-27
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-02-22
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. (CA)

You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, XXXX, EXPERIAN and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

My grandmother passed in XXXX, left property to family. I was listed on said property and when I tried to take over payments I was told I was unauthorized. I sent in numerous doucuments that they asked for, I was still denied access to this account until XXXX, XXXX. At this time the property was placed in forclousure. We went to court, the Judge ordered citifinanical to work with me to resolve the issue. They did not. I am working with XXXX and I know what they have done is illegal. please help me. They have taken my property and are trying to evict me using the same documents that should have allowed me access to the loan to enable me to pay the debt. when i sent in payment of any form it was denied,
Consumer complaint received 2022-09-10
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-08-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON MY CREDIT REPORT
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (MI)

I contacted Experian two weeks ago, because my credit report is stating a deragatory mark that has been there for over 60+ days. The problem is I requested a copy of my credit report and all of my accounts are showing up in good standing, and I can't see any deragatory marks. I told this to Experian and they told me that they can't talk about any information from my credit report. My credit score has gone down because of this deragatory mark, and I can't even dispute it because it is not showing up on any of my accounts. I've looked at my reports from all three major bureaus. XXXX and Experian are both reporting a serious delinquency/deragatory mark 60+ days, but XXXX is not XXXX I've attached my three credit scores from the major three bureaus. 

So to summarize, both Experian and XXXX are reporting a not existing delinquency and it's not even showing up on my credit reports, causing my credit score to drop over 60+ points. XXXX is reporting the accurate credit score. You can see in my attachments that all three bureaus show Accounts ever late : 0, and collections : 0. So where exactly is my deragatory mark??
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.
Consumer complaint received 2018-02-22
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. (CA)

You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted EQUIFAX, XXXX, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NV)

XXXX XXXX Chase Bank XXXX XXXX : Discrepancy Regarding Business Credit Card on Personal Credit Report To Whom It May Concern, I am writing to address a serious issue related to my business account with Chase Bank. I opened a business account under my companys tax ID and name. During the account setup process, I was informed that my business was approved for a credit card specifically tied to the company. 

However, I recently discovered that this credit card account has appeared on my personal credit report. This is highly concerning because it was never intended to be associated with my personal credit history. I have yearly credit reports, and until now, Chase was never listed there. 

The sudden appearance of this credit card on my personal credit report has caused significant confusion and potential harm. It appears as though I have a personal credit card with Chase, which is not accurate. This false information could even be perceived as fraudulent. 

I kindly request that Chase Bank investigates this matter promptly and takes the necessary steps to remove the credit card account from my personal credit report. I believe this is a mistake, and it is negatively impacting my creditworthiness. 

Thank you for your attention to this matter. I hope for a swift resolution. Please feel free to contact me at XXXX if you require any further information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Today being the XXXX of XX/XX/XXXX I went into the Bank of America branch on XXXX XXXX XXXX XXXX TX by XXXX XXXX to withdraw {$8000.00} The funds are available to withdraw because its an ACH deposit from my XXXX XXXX account. 
The manager after keeping me there for almost an hour told me I cant not withdraw my money because according him my money is on hold for no reason. I told him its an ACH deposited, just like wire transfers and cash are readily available by funds availability laws. He ignored me despite the fact I have been a customer since XXXX and have had similar ACH deposits from the same XXXX and never had a problem. I sent email to the company and no response. I went to XXXX former XXXX  and XXXX  my concern. I think the manager acted because I do not look like him. His demeanor and body language says it all. Let this not happen to anyone else. Its pathetic. I lost business opportunities because of this XXXX  act.
Consumer complaint received 2022-09-10
Product: Vehicle loan or lease — Loan
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Reposed my XXXX  XXXX XXXXXXXX XXXX They also didnt transfer tittle to my name XXXX XXXX and the time of the purchase. XXXX # XXXX plate # XXXX
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card with Capital One. I pay the balance in full every month. I have {$1500.00} paid automatically via my XXXX XXXX Bill Pay. When I get the Capital One bill each month, if I have an amount owing, more than {$1500.00}, I pay that additional amount also via my Online Bill Pay. I also estimate any credits I expect to receive and deduct that amount. On my XX/XX/1918 bill, I had a previous balance of {$3800.00}. This bill showed that I paid 2 payments via my bill pay, each for {$1500.00}. I had two credits to the account for items returned. These amounts totaled {$690.00}. So in total, I paid and was credited {$3600.00}. Capital One charged me {$49.00} interest on a remaining balance of less than {$150.00}. I called and was placed on hold with four different people. One was supervisor XXXX, employee # XXXX. Each of these people told me that if my balance was not paid entirely in full at the end of the month, that they charge interest on the full amount charged during the month. My payments were only short less than {$150.00}. According to the " Interest Charge Calculation '' portion of my bill, I was charged 19.24 % interest on {$3000.00} even though I paid {$3000.00}. I used to work in credit, and unless the laws have changed, this is not legal.
Consumer complaint received 2020-08-19
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. (NY)

I check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX
Consumer complaint received 2018-02-22
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: FIRST NATIONAL BANK OF OMAHA (TX)

PLEASE REMOVE XXXX XXXX SS # XXXX OFF ACCT XXXX OFF MY ACCT AS WELL OFF HIS CREDIT REPORT.
Consumer complaint received 2018-02-22
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. (GA)

I am deeply upset that XXXX  continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX  credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (VT)

American express denied me a credit card not because I did n't qualify for it but because their fraud prevention unit located in XXXX said I could n't prove to their satisfaction that I am actually me and that my post office box which has been my American Express mailing address was not my real adress but a fraudulent XXXX. Becuause of this denial my credit rating will be negatively affected. Amex said they could not help me until I had a paper credit report showing my ratingwas changed. Amex admitted their mistake but said they could n't fix it. I need help in fixing this and obtaining the card I, would have received if XXXX had n't mistakenly cancelled my application.
Consumer complaint received 2022-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have reported a Health Information Privacy Complaint against the hospital or physician due to releasing private medical information and company charging someone elses insurance. This debt is a result of identity theft where they charged another persons ( My sisters ) insurance company ( XXXX ) instead of my insurance company ( XXXX XXXX ). XXXX and XXXX were aware of this prior to any surgeries or procedures. Because this debt is a result of identity theft and hippa violation ( an XXXX report has been made with XXXX ), I will be suing both the XXXX, XXXX, and collection agency as this fraud issue is now effecting my personal life/credit and agency refuses to acknowledge legal consequences by removing this from my credit report and conducting their own investigation.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I was new to credit game and I got this credit card since I got here in US 2014, it was my first and oldest credit card. I was using it for 3 years with no problem and after I was injured with XXXX XXXX XXXX I was unable to work and behind payment for 30 days late and they sent me letter that they have closed my account and said I am still responsible to paying all debts in full amount. 
I dont mind paying full but after they closed my oldest card my credit score went down so bad its hurting my credit history too. 
Last week i even called to reopen but they say no way to reopen. But I can file request but it wont work the Representative said. Heart broken and hopeless situation.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MD)

SNSC and XXXX are involved in some sort of scam. While I was trying to cure the default the loan was turned over to XXXX. They've given different dates of when they got the loan and how much was owed. Now I can't get a payoff amount. SNSC said they can't tell me anything and I have to contact XXXX  and ask for a lawyer named XXXX XXXX. I called XXXX and XXXX hasn't been with the firm in four years. I was never offered a loan modification or mediation. They are in the midst of an illegal foreclosure. I've been requesting a payoff statement since XXXX and they refuse to provide it. They are breaking Federal law 15 U.S. Code 1639g.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gordon, Aylworth & Tami, P.C. (OR)

On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of Gordon, Aylworth and Tami on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called Gordon, Aylworth and Tamis office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.
Consumer complaint received 2018-02-22
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)

Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (TX)

Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.
Consumer complaint received 2018-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

On XX/XX/XXXX while using their exchange system ( XXXX ) I was automatically logged off and was no longer able to log back in. XXXX would give a message stating " An error has a occured. Please contact XXXXsupport. '' I have contacted both Coinbase and XXXX ( OnXX/XX/XXXX and many times after ) without any resolution or movement on the matter. A ticket was entered and " escalated '' which stated I would receive reply back from their " specialists '' within 4-5 days. It's now been 7 days and still no response. 

I have funds locked up by their system without any reason or explanation from them as to why.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I made a XXXX dollar mobile deposit on XX/XX/2022 they gave me XXXX dollar credit and put a XXXX dollar hold on the remaining balance for seven days. I called to ask the reason for the hold and their response was that I had a low balance of {$8.00} on XX/XX/2022 and that was the reason for the hold. I am a low income single dad and this situation has caused me a great deal of financial trouble.