davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
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. (TX)

On XX/XX/XXXX, I disputed information on my credit report with Experian. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, Experian is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with XXXX XXXX XXXX, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. Experian violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. Experian recently verified this account as being accurate. But how is that? I recently wrote XXXX last month and I have not heard from them ( 30 days ) 2 ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XX/XX/XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XX/XX/XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, Experian has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc. (CA)

I was a cash patient to XXXX XXXX XXXX XXXX in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) back last year prior to XX/XX/2017. At that time I was a XXXX not having the best health insurance plan so it was best to pay as a cash patient ( per XXXX XXXX XXXX XXXX ). I paid the full amount of {$100.00} for the check up and was told from the front office that my account " WAS PAID IN FULL AND CURRENT ''. My assumption here is the back office was NEVER updated and I find out through a letter from Credit Consulting Services , INC. on XX/XX/XXXX a collection letter that states COLLECTION NOTICE for the amount of {$100.00} + {$11.00} ( Interest ) = {$110.00} I reached out to XXXX XXXX XXXX XXXX in XXXX with the above mentioned address and even on XXXX this business does not exist and is CLOSED. They're now a new business operating under XXXX XXXX XXXX XXXX and when I attempted to get the back end office number to clear up this discrepancy I was informed a contact number to which when I called that number this number was a non existing phone number. This is very frustrating as I never got ONE single letter mail from XXXX XXXX XXXX XXXX over a year later stating I owe an amount to Credit Consulting Services INC,  with a Collection Notice that I owe a debt that should've been cleared up by XXXX XXXX XXXX XXXX when I paid the full amount. Why must my credit be affected as a negative item and suffer when XXXX XXXX XXXX XXXX clearly was at fault by hiring incompetent employees that could not complete a simple task as such as updating a payment record for a cash patient. If any information is needed from my end please feel free to reach out to me.
Consumer complaint received 2023-01-03
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-02-18
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. (PA)

My rights under Hippa were violated by XXXX XXXX XXXX XXXX XXXX. I have disputed such information many times with Experian Credit Bureau. Under XXXX XXXX XXXX do not have the right to access my medical bills, medical information about me without my consent. Experian has allowed XXXX XXXX to report protected health information to my credit report without proper investigation and blatant disregard for my rights under HIPPA. This is a violation of HIPPA Public Law 104-191. I have contacted both companies several times with no results. I have never granted or given permission to XXXX XXXX to view my private health information.
Consumer complaint received 2018-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (TX)

This was settled months ago. 
Texas Department of insurance filed against XXXX XXXX and XXXX who settled with the hospital. 
This is fraud and an attempt to collect money that is not owed. 
IT WAS SETTLED BY THE INSURANCE COMPANY
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: EQUIFAX, INC. (FL)

I received an alert about an unauthorized inquiry on My Equifax Credit Report From XXXX XXXX XXXX XXXX Dated XX/XX/2020 ... This is an fraudulent attempt.
Consumer complaint received 2022-01-18
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)

I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed information on 2 accounts same company XXXX XXXX XXXX XXXX, transunion removed one but not the other XX/XX/21, see attached letter, both of the accounts are over 7 years and should be removed,
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan Infiniti LT has violated 5 of my federally protected consumer rights in the collection of a debt. 

15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof of these violations.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (TX)

My mortgage was created by XXXX  XXXX XXXX XXXX, after about 1 year servicing of the mortgage was sold to Standard Mortgage. After the sale I requested to remove the escrow account from my mortgage, however, Standard Mortgage wants to collect a fee of {$1000.00} saying there is a " Risk Based Fee '' to apply to a non escrow Mortgage. This was never disclosed to me when signing the original mortgage documents nor is it listed anywhere in my contract. XXXX has also confirmed they would not charge any fee to end escrow. It doesn't seem legal that a servicer can add such a high additional fee to a mortgage that are not contractually there or disclosed, my mortgage should be serviced the same as the originator XXXX serviced it. If Standard Mortgage doesn't want to abide by the contracts of mortgages they purchase they should stop purchasing mortgages from other XXXX
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX I wrote a check # XXXX to XXXX XXXX XXXX for {$32.00} from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 

XXXX XXXX XXXX XXXX  received a notice stating that the check had been returned unpaid because of a Warranty Breach. XXXX XXXX XXXX was charged a Return item fee of {$12.00}. Attachment 1 ( 3 pages ) XXXX I learned of the problem and wrote a replacement check # XXXX to XXXX XXXX XXXX. Attachment 2 XXXX I talked to XXXX  about the problem. They showed me that the check was never presented to XXXX, it was not bounced by XXXX, there were plenty of funds available. No one at XXXX  had ever heard of a warranty breach. My contact at XXXX was XXXX in the XXXX  MA branch. XXXX. I can provide proof of adequate funds if needed. 

XXXX Went to Bank of America at XXXX XXXX XXXX, XXXX MA. Spoke to XXXX XXXX. She did not know what a warranty breach was, and she was not willing to ask anyone else because I am not a Bank of America client, even though it was my reputation the warranty breach affected. Contact information on Attachment 1, page 3. 

XXXX XXXX  cashed the replacement check I wrote to XXXX XXXX XXXX # XXXX. Note there is no difference between check # XXXX and # XXXX.
Consumer complaint received 2022-01-18
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-02-18
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: Experian Information Solutions Inc. (FL)

I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

Good Afternoon, Today I noticed that XXXX XXXX pulled my credit without my approval. I didn't give any authorization for XXXX  to pull my credit and I have no XXXX  products. XX/XX/2022 is the day my credit was pulled. Please investigate, thank you.
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I keep receiving letters I called and the manager was rude They have my social security but I do not owe XXXX anything, no debt I received the same letter in 2016 for a capital one and when I asked what was the year, they gave me a year when I was XXXX They hunged up on me
Consumer complaint received 2022-01-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2021-04-12
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)

I'm XXXX years old. I ran my credit for the first time XX/XX/XXXX. There's a credit card on my TransUnion account. It has a 60 day on it. It also has an open date of XX/XX/XXXX. Seeing as though I wasn't born until XXXX, I'd like to have this credit removing removed. Obviously it is not mine, nor did I give approval for my information to be used.
Consumer complaint received 2018-02-18
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)

Fraud scams using XXXX death record frauding scams frauding my families divorced out side documents of XXXX XXXX XXXX XXXX death record of XXXX county Indiana Frauding scams frauding using XXXX Frauding scams using land development frauding my documents a grade school documents as land development and back With ids scams and business scams
Consumer complaint received 2022-01-18
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)

I have contacted Transunion and XXXX numerous times about fraudulent inquires on my credit report. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 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 2021-09-08
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (VA)

on XX/XX/2022, per my conversation with Lexis Nexis,. They are still reporting incorrect information ( Bankruptcy ) that was not verified by the original source. XXXX XXXX XXXX XXXX XXXX XXXX  ) stated that Lexis Nexis did not contact the courts for verification and relied on a 3rd party vendor for for verification. When ask, they refused to give me the source. Im requesting that this information be removed per FCRA due to un verification.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I applied American Express XXXX Rewards card and got approved with XXXX openning bonus points. I met the spending amount of XXXX dollars in first three months but was told i was not eligible for the openning bonus. AMEX representative told me i was notified but i have absolutely no idea. It was such a disgrace for a big company like amex to treat customer like this.
Consumer complaint received 2022-05-02
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: CCS Financial Services, Inc. (NJ)

The Company name is Credit Collection Services. This company is listed on my credit report for debt of {$670.00}, I have never had contact of any kind with this company and also never received any info regarding this amount. Please provide thorough investigation into the accuracy of this debt. Again there was no info ever sent regarding this matter which has harmed my credit.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CO)

On XX/XX/21 I was a victim of a scam by someone posing as Chime Bank. They managed to get my log in info and changed the Name, Phone Number, Email, and log in information on my account completly locking me out. I have reach out to chime through their customer support email as their phone support allows no option to talk with a real rep. I am going on exactly 1 week without having any access to my account. I have sent about a dozen emails to chime support, and they have failed to email me back even once. I am extremely frusterated, i have no access to my money which is now probably gone .... i have recieved no help what so ever. Thank you.
Consumer complaint received 2020-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MO)

On XX/XX/2020, I initiated a wire transfer by telephone contact with Western Union ( " WU '' ). I provided the WU agent with my XXXX XXXX checking account number, the appropriate XXXX XXXX routing number, and my XXXX XXXX debit card information. The WU agent confirmed my information as accurate, and immediately caused my account to be debited {$220.00}, which included a {$19.00} for WU. The remaining {$210.00} was to be wired into my checking account. On XX/XX/2020, XXXX attmpted to debit my XXXX XXXX Checking account but as a direct an proximate result of WU 's negligence, the XXXX debit was not successful and XXXX XXXX charged my account a {$35.00} " NSF '' fee. It turns out that WU caused my funds to be wired to the wrong " code city '' as well as the wrong company -- - XXXX XXXX XXXX XXXX. I do not have any account with XXXX XXXX XXXX XXXX. I immediately initiated a claim with WU, and I was informed repeatedly by several WU employees and Managers, including, but not limited to, " XXXX XXXX '', " XXXX XXXX '' and more recently, XXXX XXXX Executive Resolution Specialist. Ms XXXX instructed me that she would be the sole point of contact, and yet she refused any significant assistance, and went so far as to state that she " had no idea '' how long it would take to receive my refund AFTER WU receives the funds from XXXX XXXX XXXX XXXX. In any event, each and every one of the WU agents were adamant that WU had NOT received my funds from XXXX XXXX XXXX XXXX ( despite the fact that such was a lie ) and that the only thing that WU could do would be to send another email request to XXXX XXXX XXXX XXXX  seeking authority to provide me with a refund. My own investigation revealed that on Friday, XX/XX/2020, XXXX XXXX XXXX XXXX  had indeed wired my {$210.00} to WU in a " Bulk Transfer '' and the proof of my refund is included in XXXX XXXX XXXX XXXX  spreadsheet, Sequence # XXXX. It is my belief that WU is engaging in a pattern and practice of unlawfully withholding customer refunds for inordinate amounts of time, while earning interest on these funds, while lying to WU customers. There i simply no reason, in this era of electronic transfers and overnight clearing that my {$220.00} should not be released to me immediately, as quickly as WU removed the money from my account. Please investigate these claims. I thank you in advance.
Consumer complaint received 2022-01-18
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. (FL)

I filed a dispute with Equifax credit reporting agency on XX/XX/2021 about a bankruptcy showing on my credit report unknown to me. Equifax mailed a response back saying that XXXX credit reporting agency reported the bankruptcy. I contacted XXXX and ask them to send me a copy of my report that they had on me. I received the report showing no bankruptcy on my report and sent it to Equifax credit reporting agency on XX/XX/2021. On XX/XX/2021 I received a response from Equifax stating that The company that reported the information has certified to Equifax that the information is accurate. I don't think Equifax contacted XXXX because if they did XXXX would have reported to them that they don't have a bankruptcy showing on my report. I have attached the XXXX report to this case.
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX balance is showing as {$450.00}, dates open in XXXX closed XX/XX/XXXX.