davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

We were notified of an alleged debt that was in collections sent by XXXX in XX/XX/2022. We requested, in writing, a validation-of-debt and, per law, an itemized bill of the alleged XXXX XXXX- we we're never notified of any bills or debts by the hospital to begin with so we wanted to make this wasn't a case of mistaken identity or a fraudulent charge - the dates they listed the bill in didnt make any sense. We never received any response from XXXX. Regardless, the alleged debt of {$2600.00} was still listed as negatively affecting my credit score. We found out we could dispute this with the credit reporting agencies and we decided to dispute this with XXXX. XXXX reached out to the collector and found that this debt was not accurate and fraudulent- it was removed completely from all of my credit reports in XX/XX/2022. 

We were then sent a collections notice the end of XXXX by XXXX XXXX Collections in XXXX, TX and have until XX/XX/2022 tp respond. We, again in writing, requested proof of this debt by asking for the XXXX XXXX XXXX and we also provided printed screenshots of the winning-dispute claim with XXXX to show this same debt was already deemed inaccurate and fraudulent/was already removed from my credit report. We mailed these documents on XX/XX/2022. 

Today i called to see if they had a chance to review the documents sent. I verified that the alleged debt was the same with XXXX for the {$2600.00} but she stated she had not received any documents to review and that we still owed the {$2600.00}. I explained that this debt was already removed from my credit history and was deemed fraudulent/inaccurate by the credit reporting agency . She stated that they still showed the debt and it could still be sent to the reporting agencies - that it could still negatively affect my credit. I'm not sure how that is possible- in the insurance industry, we call the act of attempting to collect on a claim twice " double-dipping '' and its a form of fraud. How can debt-collectors attempt to damage your credit when proof has been provided that its not an erroneous debt?
Consumer complaint received 2022-10-09
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. (MD)

My name is XXXX 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 FTC.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/2022 a capital one XXXX credit card was applied for in my name and it wasn't me my wallet got stolen which had my social security card ID etc in it. There was roughly {$900.00} spent on the account but the account says XXXX but after adding up all the cash advances it came out to be about {$900.00} also there are other loans applied in my name and an XXXX account thats been used all month long
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (SC)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I called Medical Systems to validate the dates and amounts owed on several bills owed. Also violated the FDCPA without advising me it was an attempt to collect a debt. 

I sent them a validation request, they responded by sending me my personal information about each visit, This is a third party with access to my personal information without my consent
Consumer complaint received 2019-11-15
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  issued a credit card by mail that was mailed to my residence while I was on a trip to XXXX. I never received the card. A few weeks later I received a statement showing charges in a different city than the one I reside in. I contacted them and reported this as fraud. XXXX XXXX blatantly lied about conducting an investigation and deemed the charges as legitimate. This is a physical impossibility as I was literally in the XXXX XXXXl at the time. I have sent proof including a certified notarized police report proving I was in deed in XXXX at the time. My Spouse and I were on this trip. They have continued to report this to credit agencies causing my credit score to plummet. Consequently XXXX XXXX and XXXX XXXX have lowered my credit limits. I have called them numerous times and have send certified mail numerous times. When I make Follow up calls they give me the one around stating I have not provided all the documents. They are falsely reporting my credit info.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (GA)

Dealership shopped for financing ended upon signing with Santander XX/XX/2015. Probably 6 months later the car was repossessed with no agreement being offered and no notification of resolution thereafter. Viewing my credit reports Santander is listed on my XXXX  and XXXX. I have tried on several occasions to dispute the matter and especially after signing forms for a class action lawsuit against Santander for unfair business practices in which have agreed to waive balances for customers with low scores.I have yet to have Santander removed. I am hoping for assistance in having the mattered resolved. Thank you.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently applied for credit and pulled my entire report and noticed inquiries that I didnt authorize nor recognized. I called the company before trying to get the problem resolved with Transunion and unable to get any type of resolution. The companies couldnt give me any information regarding the inquiries. I have recently purchase the credit lock upgrade to lock my credit from future inquiries. Please take a look and remove the inquiries that wasnt authorized nor did I give permission to the companies to pull my credit. Again thanks for your prompt response and action. 

- 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 2017-12-19
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. (MO)

Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

XXXX XXXX XXXX
Consumer complaint received 2020-12-06
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: EQUIFAX, INC. (FL)

XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS Specialized Loan Serving is my mortgage service provider. 

I reached out to them back in XX/XX/XXXX to inform them I was directly effected by the Covid-19. 

They gave me a 6 month forbearance and then I asked for another extension and they gave an additional 3 months which brings my account due for payment XX/XX/XXXX I called to Make my XXXX payment and they mentioned the past balance plus my XXXX payment was due immediately and I explained we are senior citizens on a fixed income and couldnt afford to make that lump payment and asked if the past due balance could be moved to the end of our loan and we were ready to make our one month XX/XX/XXXX payment. 

They mentioned we would need to fill out documentation but to me it looked just like a traditional loan application and we were not told in the beginning that this would be a requirement to get the past amount moved to the end of the loan. 

I asked if we could have another extension that President Biden extended for all people who were effected by the Covid 19 and the rep mentioned they dont know anything about that and he just became President a few weeks ago. 

This is causing more stress on my husband and I we are elderly and we are trying to stay healthy and just want to pay our mortgage and have the balance that we owe put on the end. 

I feel like they arent operating under the Cares Act and need to follow the guidelines Thanks
Consumer complaint received 2019-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (PA)

XX/XX/2013 original date of debt amount {$27.00} This debt first originated XX/XX/2013, the original collection ( XXXX XXXX XXXX XXXX XXXX ) the company change collection company ( Phoenix Financial ) to make it seem this is a new debt, which isn't the case, after seven years this debt  should be removed from my Credit Report immediately!
Consumer complaint received 2021-03-05
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. (MI)

Experian is not sending me the proper proof/ Documents, that as a consumer is my right to know what is reporting to my credit profile/ report correctly. I have sent several dispute letters to Experian to have this Removed for not taking the proper steps. I have sent letters to Experian and they have Updated online which I never Consented Them to do so. Also they did not take the Reinvestigation seriously they just Updated. I want these Debts Removed Immediately for the improper way that they have handle these Debts. Over several disputes.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CT)

XX/XX/2020 company reported me late on my consumer file pursuant to 15 USC 1692e ( 2 ) ( A ) The false representation of ) the character, amount, or legal status of any debt ; or is a federal violation I contacted them multiples times regarding this matter As a consumer and the original creditor which i extend myself credit from my social security card which is my credit card pursuant to 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MA)

I have a loan with tChrysler Capital since 2017 Ive been trying to make payments on time then COVID-19 hit and I was having a problem to make a full payment and I pay last than {$680.00} on 2 payments I make less than my regular monthly payment 2 times because I didnt have the total amount of the monthly payment of {$680.00} Because COVID-19 I was having a hard time to making the payments and Chrysler capital report to my credit files that I miss payments but the reality was that I pay last than {$680.00} 2 times and Chrysler capital report it as a missing payment.. 

I called And I send it them a later asking them to take the negative report from my credit files but they refused to do and told me they will not help me .. 
My account is updated and I like it for Chrysler capital get the negative report out from my credit file and they are refusing to do it Im here to get help with Chrysler capital about getting them to get the negative report from my credit files soon as possible.. 
Thank you!!
Consumer complaint received 2022-04-02
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. (AR)

I have contacted trans union repeatedly about the accounts and account on my credit repost in which do not belong to me and are part of identity or a mixed file of my twin sister in which we have similar names and info. 
Also have attached my identity report as well. 
This has caused me a GREAT deal of issues and needs to be addressed. 
They still have yet to remove the remaining of my complaint. I have attached the Letter which each individual inquiry which is NOT MINE to be removed.
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Back in 2016 Wells Fargo tried to foreclose on our home even though we repeatedly tried to make the payment. They actually even returned one of our payments too. They then tried to foreclose on our home. This caused us to have file a XXXX  XXXX Bankruptcy, so we wouldnt lose our home.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-13
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. (CA)

XXXX/XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my Experian and XXXX credit report, XXXX not late on XX/XX/XXXX, XXXX XXXX -- not 30 days late on XX/XX/XXXX on my XXXX and Experian credit report , not 30 days late on XX/XX/XXXX on XXXX, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on XXXX and XXXX, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments
Consumer complaint received 2019-08-13
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. (CA)

XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXXXXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my XXXX and Transunion credit report, XXXX not late on XX/XX/XXXX, XXXX XXXX -- not 30 days late on XX/XX/XXXX on my Transunion and XXXX credit report , not 30 days late on XX/XX/XXXX on XXXX, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on Transunion and XXXX, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments
Consumer complaint received 2020-12-06
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. (FL)

XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I made an overpayment. On XX/XX/XXXX I requested a refund and was told the refund check would be received by XX/XX/XXXX. On XX/XX/XXXX I was told to call back on XX/XX/XXXX. On XX/XX/XXXX I was told to call back on XX/XX/XXXX. I was then told to call back on XX/XX/XXXX, then I was told to wait 10-15 business days from XX/XX/XXXX before calling back. It has been 28 business days and no overpayment check has been received. I was also told the check went out on XX/XX/XXXX, but was later told it was actually sent on XX/XX/XXXX, but there is no tracking number that can confirm this.
Consumer complaint received 2023-04-01
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. (SC)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

There is fraudulent charges made on my account. Money was taken using XXXX. I file a complaint with both XXXX and jp morgan chase bank. XXXX has denied chase bank for refund and chase bank has did a reversal charge onto my account because XXXX has denied chase refund. This is about {$1400.00} fraudulently charges. Chase bank has failed to protect me in these fraudulent charges and has not resolve these charges. I have fax all the documents i have to jp morgan chase bank
Consumer complaint received 2019-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

I made a duplicate mortgage payment doe XX/XX/2019. I called the bank and the wells fargo mortgage holder. They will not rescind. I've already paid them and the next payment is not due till XX/XX/2019. This will cause me to default on upcoming obligations. I've missed no house payments and I called them as soon as I became aware of the discrepancy. They said their hands were tied. XXXX XXXX XXXX told me wells fargo could stop it but they won't. I need this payment stopped.
Consumer complaint received 2023-04-01
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. (IL)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXXXX/XX/XXXX