davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have recently found out through my credit report that XXXX XXXX, a loan service company that works directly with XXXX University, has filed multiple reports against my credit, because of delinquent payments. But on the report it doesn't state why my payments were delinquent. I am always on top of my loan and debt repayments ; however, XXXX is an unreliable company which makes repayments almost impossible. My loans first became due on XX/XX/XXXX. Since that day until XXXX of XXXX, I made several attempts to repay my loans by either visiting their website or calling them. Whenever I visited XXXX 's website I encountered a message claiming that " service is unavailable ''. This happened every single time I visited their website. Since, repayments through website was obviously not a solution, I attempted calling the company on various days at various times. I would either receive a busy tone, or the call would keep ringing without anyone ever responding. To investigate this further, I called XXXX University 's loan and financial department, and a represintive went over different possibilities. They told me that XXXX often has these problems, and it is very like that they are changing the service provider for those loans, and I shouldn't worry about. That was a relief to hear as XXXX seemed very shady in the way they conducted business. Unavailable website and customer service can be very very alarming. This company has wasted a lot of my time from writing this complaint, calling them, visiting their website, etc. I shouldn't chase after them and waste every day of my life to hopefully catch their uptime. This is unreasonable. 

On XXXX of XXXX, I was able to access their website, and realized they are still handling my loan. Their website 's interface is not intuitive and errs on the simplest actions and inputs. Even with all these obstacles, the first thing I did was to setup ACH so that they could directly transfer money from my bank account. Again, this was the first thing that I did to prevent any delinquent repayments in the future. I believe the way that XXXX handled my case is absolutely wrong and bizarre, since they provided no medium for me to take care of my repayments at all. XXXX 's business is very concerning and suspicious. No transparent communications, no website, and no customer service. Even as I am writing this the website is unavailable. However, this time it doesn't even show any messages, the website just doesn't load at all. I have tried to load the website in different browsers and still no luck. I have attached the picture of one of the instances when I visited the company 's website to make a payment. This problem was so frequent, I took a screenshot. In case something like this would ever happen. I am glad I did.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (GA)

I disputed an item on my credit reports with Chase Bank with a verification letter dated XXXX XXXX, 2016 and my letter was received and signed for by Chase Bank on the XXXX XXXX, 2016 [ Certified mail with their signature confirmation card ] Account # XXXX : Bal {$1400.00} [ Charged-Off ] I have retained a copy of their signature and date of receipt, as well as time-stamped copies of my credit reports showing that Chase Bank have violated the fair credit reporting act, section 623 ( a ) ( 3 ) by not placing the disclosure on my credit reports within the required 30-day period.The 30 days required disclosure expired on the XXXX of XXXX. 
As Chase Bank have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, Chase bank must now remove this item from my credit reports, which they are refusing to do. 
Can you please let Chase bank know that they 've violated a federal law and should immediately remove this item from my credit reports.
Consumer complaint received 2016-12-09
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc. (CA)

Investment Retrievers continues to incorrectly report information to the XXXX credit bureaus despite having confirmed in a conversation that they are misreporting. They have continued to misrepresent the the balance and status of the account including account activity and they 've done so knowingly but are refusing to accurately report as a means of making sure I do n't stop paying.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Equifax isnt allowing potential creditors too pull or view my credit report. Ive called them several times about this and they continue too say that it isnt locked or blocked on their end.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NC)

Macys is reporting that I have a {$1700.00} debt with them on my credit report. I have been contacting them for months to resolved this matter, but they will not allow me to make a payment. Despite that, they refuse to take the account off of my credit report, essentially holding my credit report hostage. I have been trying to buy house for months, but this Macy 's account continues to prevent me from moving forward with a mortgage application.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well.

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may
furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (PA)

XXXX-Cavlary Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX this debt was purchased from another account and I requested the original contract and account information otherwise requested this is deleted from my credit report. 

XX/XX/2022 Received a communication from experian that they are not removing this item but did not provide the requested information.
Consumer complaint received 2023-04-17
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX  XXXX  XXXX Balance Owed : {$620.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2023-04-17
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. (MI)

Once again, this is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items I found being reported on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} US DEPARTMENT OF EDU XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/year> I received a copy of my consumer reports and theres incorrect and inaccurate reportings on my consumer files. I have been going back and forth with these agencies to validate and verify the information for all my missed and late payments which are not accurate as I have NEVER been late nor have i given these agencies permissible purpose to report these negative reportings on my reports. I am a federally protected consumer and I am promised accuracy and correct information to be reported on my consumer reports. These agencies are violating federal law and under 15 usc 1681, all information must be verified and validated. as you can see they can not verify or validate the information so it must be removed. All Missed payments, all late payments, all closed accounts which have never been closed nor have i the consumer given my written consent to close the accounts that have a long history of reporting as I am in need of the length to make my reports accurate. These are all violations and I demand that they correct and update my consumer reports promptly. I am being damaged and this is a violation that is also a fee of XXXX per inaccurate reporting. Please have them promptly upadte my reports as I have a right and promise for all accurate information. I demand that these inaccurate reportings be corrected today! 
I am not getting the credit usage i need and I am promised accuracy of all my consumer reports. under 15 usc 1681. have these agencies update and give me what i am promised by federal law. XXXX, XXXX, and transunion must get these reportings updated today and send me the updated reports immediately to see the changes and updates as i am promised.
Consumer complaint received 2023-04-17
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. (ND)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MN)

I have a wells fargo credit card. wells fargo my credit score is around XXXX.since years i have problems with my checking accounts despite high balances. I called as my billing was not correct and that i lost my card and need a replacement. I was told on a recorded line i receive a call back within 24-48 hours. no call. i called their executive office whose reps are as rude as can be.when asking for a supervisor you get a cathegorcal NO. the promised call backs never happened.t he card is still open i still can t figure out how the balance was calculated, i was defrauded of rewards points. on top of it i have to deal with rude, arrogant csrs. Last week i went to a branch ( XXXX ) and needed a notary. I was refused that service. had to drive to fedex and pay for it. called the regional managers office and was promised a call. never came.a couple weeks before the closed the branch during business hours. This Bank is liable for all damages that occur. despite we all know how many fines wells fargo had to pay for defrauding customers in the last years
Consumer complaint received 2023-04-17
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: ACIMA CREDIT, LLC (IL)

I hasve recently checked my credit reports and I seen that there were some inaccurate Accounts : XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your company XXXX is furnishing inaccurate and incorrect information to the XXXX XXXX XXXX. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my ability to obtain credit for personal and house hold purposes. You and your inaccurate furnished data has damaged my livelihood.
Consumer complaint received 2023-04-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-04-17
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)

15 U S C 1681 section 602 A, states I have the rights to privacy 15 U S C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RevMD Partners, LLC. (SC)

File : XXXX : XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX SSN : XXXX XXXX, SC XXXX PH  : XXXX Date : XX/XX/XXXX XXXX  XXXX   XXXX  | Placed for Collections : XX/XX/XXXX XXXX XXXX XXXX | Responsiblity : Individual? 
XXXX IL XXXX | Placed for Collections XXXX {$130.00} XXXX XXXX | XXXX XXXX XXXXice Outpatient Paid XXXX | Paid On : XXXX XXXX XXXX Check # XXXX | ACCOUNT XXXX | Insurance : XXXX Attorney : ( Not retained yet XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX The reason you have received this correspondence is in reference to the above stated matter.XXXXI had received a bill from XXXX XXXX and politely informed them that the matter was Occupational in nature and should be billed to the XXXX County Parks Department. In addition, I don ; t quite understand why this was billed as XXXX Office Outpatient New when I had been there before. That billing code does not seem to be consistent. 

The unpaid item was not my responsibility, it was a Employment Requirement- And you XXXX was told this on the day of service and afterwords via phone. 
None of my actual patient notes, visit records are available via XXXX ( XXXX  : XXXX ) so I can not contrast the billing verses the actual dates of service. 

The part that was not in dispute was paid in full : The Payment of {$97.00} was paid towards the visit XX/XX/XXXX with XXXX, XXXX XXXX at XXXX XXXX XXXX. That's paid in full. 

This is how you treat a XXXX  XXXX. 
To the best of my knowledge, I was required to have this test, as being a XXXX XXXX, and XXXX of first aid  in XXXX County Parks. As you may be aware the Parks   are currently closed so to further complicate the matter, being unemployed and seeking work, I now have this matter incorrectly being reported to my credit report. 

Defamation of Character : Your reporting this matter as if I am easy to let some obligation not be taken care of, multiple phone calls and letters were sent to XXXX. I have not received any letters from this collection agency. A matter of fact this matter is still showing as a bill on XXXX. 

I have screenshots of the patient account screens and from the way it looks to me, an average patient and customer, with average education, there is no reason for me to believe that the matter was not billed to third party. It clearly states that I owe no money to see this on my credit report, does upset me. ( SEE ATTACHED ) Using the current pandemic as an excuse for not picking up the phone is just pathetic, people are answering phones at home at some companies, I expect better from you. 

I further understand that when I called in the system states that I have 3 invoices for several hundred dollars, bills that I have never seen, bills that have never been mailed and bills that have not been placed on XXXX  Please mail bills to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Email to : XXXX or Fax to :
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

XX/XX/2020 I talked to XXXX who is a manager in the checking account department for Capital One and was told he was unable to close my multiple checking accounts. XXXX did inform me he will escalate the closing of my accounts up to the security department who put the hold on my accounts.
Consumer complaint received 2016-04-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

On XX/XX/2016 I had {$360.00} in overdrafts posted to my account. On the end of business on XXXX/XXXX/2016 my ending balance was {$4300.00}. Posted transactions on my account for XX/XX/2016 was {$3200.00}, which my available balance on the end of business day on XX/XX/2016 should have been a positive {$1100.00}. I was assessed XXXX overdrafts on many of those items that were posted with a positive balance for a total of {$360.00} This bank is crooked with ghost overdrafts.