davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
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. (SC)

The consumer reporting agencies are acting in willful noncompliance. Ive informed them that this information is inaccurate to which they continuously update it as valid.

Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE.

Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974.
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (TX)

On XX/XX/2021, I called the Loan Star Title Loans in XXXX, TX to pay {$100.00} on an existing title loan. However, XXXX processed the payment as {$400.00} without my authorization. I called back, but XXXX refuses to provide me with her Area Manager 's phone number. XXXX can't cancel the payment either. XXXX committed fraud here, and I want justice. I can't afford groceries now that XXXX processed this payment without my permission.
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

I have reached out to this company multiple times and I have yet to receive any correspondence in regards to the alleged collection account on my file. I have been able to resolve every other account, however, they will not respond to any of my debt validation request. I have reached out to them on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is the only account on my file hindering my credit growth.
Consumer complaint received 2021-01-10
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: CITIBANK, N.A. (GA)

On XX/XX/2020, I reported several accounts, mostly credit card accounts, that were reporting on my credit report as fraudulent accounts to XXXX, XXXX and XXXX XXXX because the accounts were not applied or used for myself. 
I suspected an identity theft, and requested all accounts that were involved with identity theft to be removed from my credit report. 
Also, I requested a validation of involved accounts to see how, when and where these accounts were created. 
XXXX and XXXX successfully made a decision that all accounts were fraudulent and removed them from my credit report. But XXXX is continuing to post accounts from CITICARDS, and I did not receive any explanation why these accounts were being posted. Not only explanation was not provided, but I did not receive any solid proof that I am the person who made these accounts. 
XXXX is in clear violation of FCRA. Disputed accounts must go through vigorous validation process that the process and the proof of the validation and verification must be shared with the consumer. 

CITICARDS CBNA XXXX CITICARDS CBNA XXXX Above listed accounts are fraudulent accounts that are still being reported on my credit report.
Consumer complaint received 2021-07-17
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: Early Warning Services, LLC (FL)

I have contacted Early Warning LLC for a copy of my consumer report. I contacted them directly through their consumer portal. I filled out the required paperwork and submitted a copy of my ID. I have received no response from them. I have a right to a copy of my consumer report they have on file. If they can provide a copy to a bank instantly when an account is opened they can provide a copy to me in a reasonable time frame.
Consumer complaint received 2021-05-26
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. (OH)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under ARS Account Resolution. I requested a validation on XX/XX/2019 as there were multiple accounts listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical and the accounts are not under my complete legal name. On XX/XX/2019 I reviewed my credit profile again as ARS Account Resolution had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on these accounts and these accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that these account belong to me and that all information including my legal name are correct.
Consumer complaint received 2019-08-20
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)

XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   FL XXXX
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (GA)

On or about XX/XX/XXXX I purchased a vehicle from DT ( drive time ) ( used XX/XX/XXXX XXXX ). XX/XX/XXXX is the first alleged missed payment. I was harassed and called on my cell phone, work phone, and relatives phones in regards to the debt owed. I was called at inconvenient times and often times the contact was rude and disrespectful. The collection practices unconscionable. 

The car was repossessed in XX/XX/XXXX and sold in XX/XX/XXXX ; DT continued to contact me and unconscionable manners. My credit report says the vehicle was sold in XX/XX/XXXX. DT has consistently and for years, incorrectly reported my balance, payment dates/amounts, they also illegally reposed my vehicle. They are reporting that the vehicle sold on a incorrect date, reporting incorrect payment history, and they are impacting the worthiness of my credit.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (CA)

On XXXX I deposited my {$400.00} paycheck into my US bank account. They said the check was accepted and {$220.00} was available immediately, and {$170.00} would be available the next day. I used my debit card for {$120.00} later that day. On XXXX they debited the {$400.00} from the account it was drawn on, but then bizarrely put an unauthorized hold on my account. I called immediately and they said they were holding my deposit till XXXX to make sure the check was good when the money was already in their account. I asked to talk to a supervisor, was told he would call me, still hasnt a week later of course. Now on XXXX, they have charged ME with a {$36.00} overdraft fee!
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

A wire transfer was initiated from XXXX bank to my business account with Chase Bank on XX/XX/2021 for the amount of {$50000.00} in order to close escrow on a new business. The funds cleared XXXX bank immediately. When we noticed later that day that the amount didn't go through, we called Chase. The representative didn't have an answer but told us to use the XXXX XXXX XXXX. We then sent a message on XXXX/XXXX with the needed information - that message still hasn't been returned. Each day since, we have called and messaged Chase without any concrete response or next steps. If we are unable to have our transfer by tomorrow, we will fall out of escrow and lose our business. Currently, Chase is holding {$50000.00} of ours and will not get back to us in any shape or form. This is devestating.
Consumer complaint received 2021-12-07
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: ALLY FINANCIAL INC. (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Ally Financial to have the inquiry removed from my XXXX account on XX/XX/XXXX, Have not received a response. I am requesting these inquiries be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason.

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST REPUBLIC BANK (CA)

On XX/XX/XXXX I requested a {$7900.00} wire transfer using the First Republic Bank mobile app. I got an email stating that the wire had been scheduled. 

Next day, on XX/XX/XXXX I received a second email stating that the they were unable to complete the transaction. At the time I did not see this email and thought the wire had gone through. 

In the mean time, the wire was not reimbursed or returned to my account. 

XX/XX/XXXX - The recipient informed me that the money never reached their account. I asked my account manager to please explain what had happened. He reached out to the wire team. 

XX/XX/XXXX - I still had no response from their wire team, and asked to get the money refunded. 

XX/XX/XXXX - spoke to customer support and they said they would get back to me which they never did. 

XX/XX/XXXX - the wire team responded through my account executive that The funds have not yet returned. Beneficiary has been contacted for debit authorization. To help escalate the return of the wire, please advise the client to contact the beneficiary and request them to provide debit authority to their bank. 

This is absurd. The beneficiary never received the wire. As mentioned FRB sent me an email stating that the wire was unsuccessful ( which means they could not deliver it ). How can they ask me to get the recipient to authorize a debit for a wire that they never received and that FRB acknowledged that they never delivered? 

The money was never delivered to recipient and has not been refunded 28 days after it was debited from my account.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: ARVEST BANK GROUP, INC. (OK)

On XX/XX/XXXX I mailed a dispute letter concerning Identity theft that was opened under my name with Arvest Bank. Till date I have not received any kind of response relating to my dispute of a checking account being opened in my name. I've still XXXX  at XXXX XXXX XXXX XXXX in XXXX ok since XX/XX/XXXX and I have been in the Oklahoma department XXXX XXXX since XX/XX/XXXX. There's no way I could've have opened this account.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2020-11-04
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. (CA)

I am filing this report because today XX/XX/20 I applied for a XXXX credit card and I was denied due to having two accounts in negative standing appearing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX & XXXX XXXX. Neither of these accounts belong to me nor do I have any written/verbal contract with those companies. I did not open any account with those companies and I did not allow anyone else to open any account in my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a complaint with the CFPB as well as a police report regarding these unauthorized accounts.
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (ID)

In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. 

in XXXX Citibank closed the account for the Home Depot Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. 

In XXXX of this year, a Company ( XXXX XXXX XXXX ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from Citibank, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. 

This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. 

I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (MD)

State Collection Service , Inc XXXX XXXX  XXXX XXXX, WI XXXX I discovered a debt belongs to my late wife in my credit report. 
This company was hired by XXXX XXXX XXXX in XXXX Maryland last XX/XX/XXXX. I paid the debt in full for the final bills they never sent to me after my medical insurance paid them {$17000.00}. 
I paid {$370.00} in postal money order and sent to XXXX XXXX XXXX on XX/XX/XXXX as agreed with a representative in their billing department. 
On XX/XX/XXXX this collection company updated the debt {$370.00} as current. This is Fraud and false information for the debt no longer exist. Today XX/XX/XXXX I contact and leave message and a written explanation to ask them to verify the debt and remove all negative remarks and not accurate information from my credit report. 
I also call their consumer relations leave message. Everyone at their company are notified. 
US Postal Money Orders XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Maryland Mailed Certified with Return Receipt I am asking the FTC Consumer Protection to fully investigate this company and their bad business practices hurting consumer like myself. I am a citizen of this country and a XXXX XXXX, and this is how they repaid me for served this country for shady business like this in America.
Consumer complaint received 2021-05-26
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. (AZ)

I, XXXX XXXX have contacted XXXX on multiple occasions to make them aware of false information on my credit report. Ive asked for these inquiries to be removed, being that I have no recollection of inquiring with any of the companies listed below nor did I authorize these inquiries. 

- XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like these removed immediately as you are recording to my credit false information.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (CA)

I am writing in regards to the accounts thats being disputed, these accounts were delete from my consumer report but were reinserted which is a violation of the fcra 15 usc 1681i ( 5 ) ( b ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL.