davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

This is on going with the identity theft I've had going on.my XXXX unemployment goes into us bank XXXX account on Sunday the XXXX of XXXX person or group tried to take money out on that account.the bank was able to stop this XXXX but XXXX XXXX still neg over XXXX .the name of violators was XXXX XXXX XXXX  so the fraud person at the bank and I decided to close that card down and reissue another one.my phone has been hacked .this is XXXX  me so bad I don't know what to do XXXX about to get water and power turned off XXXX XXXX mo behind on my rent .theirs no help for me XXXX trying so hard .I may get edited they have hit XXXX bank accounts to difrent state unemployment agencies. My taxes are being held up from XXXX their any help for me.i was apart of XXXX  data breach but I can't find any help.if anyone knows how we could get a grant to have resources and advocate for victims. I think we should fight to get this out because I'm XXXX  and theirs no help ..this should be covered under health insurance as prevention of mental health because its a real thing.anyone that would help myself and millions of XXXX need help
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1USC 1681. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2018-10-09
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)

A dispute was filed on XX/XX/2018 with Experian ( XXXX ), XXXX XXXX, XXXX TX XXXX, that I did not receive a response to in the 30 day time frame. They were requested to remove the Item on XX/XX/2018. This letter was sent certified and signed by one of their employees. Based on the FRCA laws they have broken this law several times and continue to do so. They have not removed this item and it remains on my credit report. They have lied to me telling me that they verified items that are reporting on the credit report. They have also not provided any proof pertaining to this account that this information is valid and true. After my own investigation to the agency that has been reporting this item to my credit report. I was informed that they are not able to report or speak with the credit bureau on my behalf based upon the status that I currently have with them. I was informed that the credit bureau must have myself on the phone or have a letter directing the lender to submit such information to them which I have not give the credit bureau or completed with the credit bureau. I am hear by demanding that this item be removed from my credit report since they do not want to take the appropriate steps in correcting the accuracy of the report and contacting the reporting agency.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDCOUNTRY FINANCIAL CORP (IL)

I filed Chapter XXXX Bankruptcy in XXXX. Heights Finance was included in the bankruptcy. From XXXX Heights finance  showed the account as closed and included in the bankruptcy. In XX/XX/XXXX Heights Finance reported the account as " failure to pay '' for the month of XX/XX/XXXX. This account should not be reporting any delinquency after XXXX as it was included in the bankruptcy. This negative reporting caused my score to drop 11 points while in the middle of underwriting for a mortgage.
Consumer complaint received 2021-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (DE)

Today is XX/XX/2021 and I am responding to communication from National Credit Auditors Per response from this company, they stated I have never attempted to contact them which is indeed a lie. I have attempted to contact them directly, XXXX  as well. im well aware of my rights and this agency continues to violate them. Please provide me with proof of this letter that was sent that XXXX NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor XXXX XXXX. I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement which Anyone can furnish billing statements. Also I have no knowledge of any of the parties listed on that lease.Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. I am proceeding with legal action as prescribed by law against National Credit Auditors Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (WI)

I had a credit card account with XXXX XXXX, a division of First National Bank of Omaha. I had a payment due on XX/XX/XXXX. My internet service was out and so I wasn't able to make payment until the XXXX. A few days later I called the company and asked if the ( outrageous ) late payment fee could be waived since I was only hours late and had consistently been paying on time. 

At that time, I was told that my account had been closed in XX/XX/XXXX. The person I spoke to refused to give me the reason and indicated a letter had been sent to me explaining. I did not receive the letter and requested another be sent. I was told it would be. 

I did not receive the second letter after a couple of weeks so I called again to request a 3rd letter be sent. It has now been approximately 6 weeks and I still have not received a letter or any explanation as to why my account was closed. When I go to my account online there is nothing that says the account is closed. 

I have consistently made payments on time on all my accounts. I have had one negative report recently. In XX/XX/XXXX I received an exceptionally high utility bill from XXXX XXXX. I was only able to pay 1/2 on time. The balance I paid with the next payment. I was only one month late with 1/2 of  payment due. I have had service at my present location for almost 30 years. I have never had service disconnected nor had a poor report sent to a credit bureau. This was exceedingly unfair and just plain mean. 

The credit card company closing my account without any apparent reason and refusing to advise the reason is inexcusable.
Consumer complaint received 2023-01-11
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}
Consumer complaint received 2022-08-12
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)

I sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX XXXX XXXX XXXXXXXX Name : XXXXXXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2017-09-15
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. (PA)

I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and Equifax. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXXand XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with XXXX Experian, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see PIF letter and credit report from XX/XX/XXXX attached.
Consumer complaint received 2021-07-04
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: CREDIT ACCEPTANCE CORPORATION (KY)

Around XX/XX/XXXX my identity was stolen and someone purchased a vehicle from XXXX XXXX in XXXX, Kentucky. {$1200.00} was stolen from my account from XXXX XXXX and applied towards the down payment. Upon disputing the {$1200.00} taken by XXXX XXXX with XXXX XXXX. I was issued a credit in the amount of {$1200.00} because the investigation proved that I did not make this purchase. I have attempted several times to resolve this issue with XXXX XXXX and every time XXXX told to contact Credit Acceptance the auto Finance company. After several attempts and a year later I have not been capable of resolving the issue. Credit Acceptance stated they investigated my claim and that it was myself that purchased a XXXX XXXX XXXX for {$18000.00}. They have not presented me with any documentation to show that I bought a vehicle and they refuse to remove this account from my credit bureaus. I am exhausted with trying to resolve this issue and I would like to know what I should do to get this account removed from my credit bureaus. If I need to retain a lawyer and file a lawsuit against Ideal Auto and Credit Acceptance I will do that but I would prefer to know if thats my only option.
Consumer complaint received 2021-04-02
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. (GA)

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XX/XX/XXXX and Experian and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2021-04-02
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. (GA)

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and Transunion and XX/XX/XXXXand they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NY)

I have a collection reporting from XXXX XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.
Consumer complaint received 2021-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eaton Group Attorneys LLC (LA)

Eaton Group Attorneys, LLC is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This Eaton Group Attorneys, LLC is in violation of the federal fair debt protection act 15 U.S.C. 1692.

The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft.

This debt is not owned by anyone in this household.

Also XXXX  XXXX  XXXX  was told that the account was the result of identity theft.

I would like to know why is Eaton Group Attorneys, LLC trying to collect on a debt that is the result of identity theft? 
Reference number # XXXX.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.
Consumer complaint received 2020-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

There is a medical debt that I have no knowledge of being sold to different collection companies. It claims that it is from an emergency room visit billed by XXXX  XXXX, which was then sold to XXXX XXXX XXXX, ( XXXX ) now this company Phoenix financial services llc, I have never heard of is attempting to collect this debt. I have contacted the original company they claim the debt is from and they told me they have no record of this. I have also had health insurance for the last 7 years and have paid my co pays Accordingly. XXXX never told me what this bill was for, and now this new company shows up on my credit report that I have never heard of. I dont know what this is for, I have never gotten a proper bill from anyone telling me what the services is supposedly received were. Not only that, but the debt is older than 5 years and they are falsely claiming this is a recent debt. I have not sought out emergency medical care since 2014. This is all completely false claims and there has yet to be proof. These companies are damaging my credit and if need be I will file a police report. I have disputed XXXX and filed complaints with consumer financial protection bureau, and They sold to Phoenix financial.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IN)

I overpaid my Macys card balance in full. The amount was {$190.00} in XX/XX/2020 with a cashiers check that was written by the credit union XXXX drawn off of the bank. My acct had a {$28.00} credit. 
In XX/XX/2020 Macys reversed the payment. They added the {$190.00} back onto my card and charged a late fee on the {$28.00} credit stating I owed them. As I went back and forth with them that payment was made and I was to have a {$28.00} credit, In XXXX they falsely reported a missed/late payment to the credit bearu which has negatively affected my credit and my ability to be approved for s conventional home loan. 
I have sent the front and back copies of the check they cashed paying the account Im full IN XX/XX/2020 several times and I have documentation. 
They still refuse to rectify the account and continuously harass me to pay any other {$190.00} because although they have proof, letters from my credit union etc they refuse to rectify my account and remove derogatory remarks off my credit report. At one point they stated they dont know where or to whos account they applied payment to and I needed to figure it out! I paid my bill, I refuse to pay it twice especially with proof they cashed the check and gave the funds. 
Ive been told by every agent and supervisor that I have dealt with over the last 8 months that The department that handles This doesnt not have a phone number or email address. I have to wait for a letter from them instructing me what to do. Ive received at minimum 3 letters stating my account has a XXXX balance. Yet they still call and harass me weekly, sometimes daily, never actually remove the derogatory remarks from my credit report that was falsely reported and continue to call me for payment but do not send me bills or statements. 
Please help.