davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
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: Southwest Credit Systems, L.P. (MA)

I have an account with Southwest Credit Systems for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX
Consumer complaint received 2016-03-01
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (FL)

I contacted my card services at Payal. After having difficulty with them on several occasions I sought an accommodation under the XXXX to try and avoid repeated hang ups. I was told that Paypal does not accommodate people with XXXX, that it was not a XXXX they deal with and that they are an online company so they do not need to comply with the XXXX or giving me equal access to good services and my money. Further they suspended my card while travelling and did not have anybody available to un-suspend my card. While travelling, most people have deadlines, them suspending my card and not being available to turn it back on and then hanging up on me because I needed my funds and became stressed when they where not available. XXXX Id XXXX refused to give me an accommodation and stated she does not do " that '' I asked to speak to someone who could accommodate my XXXX but XXXX hung up on me after threatening me that I would not be served by anyone else.
Consumer complaint received 2022-09-05
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. (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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-30
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. (CA)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance {$390000.00}. Also I am not late on XXXX XXXX XXXX XXXX  XXXX XXXX account, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this. Under USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX - XXXX Last XXXX digit of SSN : XXXX
Consumer complaint received 2022-09-05
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2015-07-26
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (FL)

Use the western union services fairly often for small transfer. Cancelled a transfer ( {$260.00} plus {$6.00} fee ) within five minutes or less on XXXX XXXX, 2015. Was told money would be credited back to my XXXX XXXX within 5 days. On XXXX XXXX called regarding credit to XXXX and when they said nothing had been credited I called WU. They told me it was still being processed. XXXX told me best to file disputed. On XXXX XXXX called WU again because I was no longer able to wire transfer online but given message to go to agent. Since I live XXXX miles from nearest agent and probably sent XXXX previous online transfer that is totally unacceptable. Called yesterday and they said everything would be taken care of immediately and no reason I could n't use online services. 
Tried again to go online and WU has poor timing in sending me a customer survey. 
Here is what I summarized ; Called regarding my refund status on cancelled transfer from28 days ago. Was told it would be refunded that same day yesterday but XXXX has not received any notice. In addition I asked why I could not send online transfer anymore and yd to go to agent. They said there is no problem but 24 hours later XXXX XXXX has received nothing and I am still unable to do wire transfers. Seems like retaliation for my complaint. 

Thanks, XXXXSent from my iPhoneSent from my iPhone
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (FL)

This company is coming after me for an alleged debt. this was a rental property where the company had unbearable living conditions. So due to me being pregnant I decided to move with the manager 's approval. So the contract with rental property is over XXXX years ago. 
I informed the collection agency that the alleged debt is over XXXX years old and asked them to validate. and to date no response.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX. My father XXXX XXXX passed away XXXX XXXX, 2015. In his last will and testament he appointed me ( XXXX XXXX, his son ) as the executor of the estate. He had XXXX accounts with Chase bank with the total amount of {$280.00}. I attempted to retrieve and close out the accounts as the executor of the estate by providing the bank with a copy of the will and a copy of the death certificate. However, I was told by bank officials that they could not disperse the funds unless I filed with probate. The cost of the application to file with probate is {$150.00}, not to mention, I would have to take a day off from work to fill out the paperwork and submit the application. Obviously, this would not make sense for me to do. What can I do to resolve this issue. In this particular case I would think due the amount of funds, there should be an exception to filing probate. By showing a copy of the will and a copy of the death certificate to Chase Bank officials should suffice to resolve the issue. Please provide any feedback that will help resolve this issue.
Consumer complaint received 2016-05-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Complete Collection Services, Inc. (NJ)

I receive a medication at XXXX Hospital located in XXXX, NJ. I have been receiving the drug there since I stopped going to XXXX medicine in XXXX XXXX for the same reason for the same reason. XXXX, the company that manufactures the drug placed me in an assistance program that gives me the drug called XXXX for free. XXXX hospitals send claims for the drug to my health insurance making claims as if they purchased the drug in their own pharmacy. XXXX medicine has already sent my bill into collections even though I have made many attemps to resolve this issue by getting funds from drug copay assistance programs, that they refused to accept. XXXX hospitals wait until a year later to inform you that you owe them money which I had no idea about because I thought that I received the drug free through XXXX, the company that makes the drug. This process has been a nightmare. The do n't even want to resolve the issue when XXXX calls to discuss the issue.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account belong to a third party. I DIRECTLY CONTACTED XXXX Hospital in 2014. IT WAS AGREED THAT THE INFORMATION WOULD BE REMOVED AND NO OTHER FOLLOW UP WOULD BE NEEDED. Trans union continuous to retain the negative information. This has caused me to be rejected for Loan Opportunities. This has to be permanently removed from my credit history.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.
Consumer complaint received 2016-06-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

A concerning matter has been brought to my attention that an alleged auto loan and or repossession in XXXX that is listed under my social security number from a company or lender by the name of Santander Auto Loan Company. Chrysler Capital provided this information. 
I was given an account number and a phone number to the " president 's office '' of XXXX. 
I called and was on hold for about 1 hour. I spoke to a rep to inquire about this account and was told they was not authorized to speak to me and that they needed to speak with their legal department! 
I have NEVER had a loan or repossession from this company, EVER. I am trying to get information, because I was a victim of ID theft from XX/XX/XXXX to XX/XX/XXXX in California. 
I see that this issue is this or this is an error in their system. How can I get any resolution to this if they will not provide me with any information? This was NEVER on my credit like all previous identity theft items because it could have been resolved years ago. They are not assisting but Santander has an account tied to my social security number, and is effecting my consumer relationship and has cause a hinder to my already damaged credit. I can not get this resolved. 
I need to know what steps I should take on this matter
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 15 USC 1681.

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 15 U.S.C 1681c. ( 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. 1681s-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 the information is inaccurate.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was paying this card on time each month and the balance increased and I had a freeze on account and I have no idea how that occurred then each time I would call to resolve the issue so that I can continue to make payment on time because I was fixing my credit score now it 's a negative item on my report that 's affecting me.
Consumer complaint received 2015-03-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (OH)

Hello, I am a XXXX XXXX XXXX from the University XXXX XXXX XXXX in XXXX XXXX, Ohio. 
I am writing to inquire about what the terms or grounds for harassment are regarding a student loan lending company? I am struggling to find a stable and secure position within my degree field and I have every intention of paying back what I owe in debt. However I am in a position that I do not possess the financial means to pay the lump sum they are demanding. 

I have pleaded for a deferment so that I can find a job and not have the added stress that they are burdening me with. They call my house dozens of times a day, at all hours of the day from very early morning till XXXX or later. They have also called my grandparents yesterday, and today have contacted a close friend from XXXX. 

I am a XXXX and have no knowledge of law when it comes to something that pertains to this predicament, I am just at wits end and plan to pay most of what I have in savings just to get them to subside for the time being so that I can devote more of my time to finding a stable job. 

Thank You.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

THERE IS A XXXX ACCOUNT ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE TO BE OPEN USING MY PERSONAL INFORMATION AND I BELIEVE THIS IS A CASE OF IDENTITY THEFT. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AS THESE NEGATIVE REMARKS ARE HINDERING ME FROM OBTAINING NEW LINES OF CREDIT. ALSO THERE ARE XXXX HARD INQUIRIES THAT I DID NOT INQUIRE XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XXXXXX/XX/2023 XXXX ( Finance ) XXXXXX/XX/2023 I NEED THESE ISSUE HANDLED PROMPLTY PLEASE TO AVOID LEGAL ACTION
Consumer complaint received 2024-02-26
Product: Credit reporting 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. (FL)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: Atlanticus Services Corporation (TX)

I called XXXX XXXX numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Currently dealing with Wells Fargo Bank in XXXX XXXX XXXX, I am writing this because on XXXX XX/XX/XXXX I filed a dispute for XXXX unauthorized transactions totaling up to over {$2000.00} on my Debit Card. On XX/XX/XXXX Id gotten off the phone with the Fraud Department for Wells Fargo ( I called to check the status of my claim because I hadnt heard anything ) the XXXX proceeded to explain to me that he is not sure if my claim will result in me getting my funds back, the only thing he could assure me of was that my claim would come to a decision in XXXX business days which would be XX/XX/XXXX. Im writing this today to inform you that it is XX/XX/XXXX and Wells Fargo has denied my claim and denied my rights to be reimbursed and get my funds back as quick as possible as this unfortunate event has left me with {$0.00}. Unable to provide for myself or my family. I am left having to rebuild all the money I saved recently. I am XXXX to my XXXX about this matter and I just want it resolved. Please help. Thank you
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rauch-Milliken International, Inc. (IL)

I was fraudulently charged a service fee for XXXX for my restaurant business. I never agreed to sign up or be charged. The rep from the company spoke to the front cashier who has no ownership and told them to sign up. They called me and I said do not sign up for anything. The rep still signed us up and sent my restaurant a bill. The rep does n't have my name on the bill but part time workers who he spoke to and has the business name wrong. I called XXXX and they said the employees agreed so I have to pay. Now it is with a collection agency who sent the letter to XXXX of my employees saying they would be seizing bank accounts. Rauch Milliken International is the collection agency. I spoke to them and explained to them what happened. They do not know who I am or the correct business name, but they are sending it to a lawyer to seize assets. Their phone number is XXXX ext XXXX.
Consumer complaint received 2023-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (FL)

We got letter in mail that we owed medical debt and we wrote back to the company who contacted us as follows for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX FAX : XXXX Reference Number XXXX Dear Sir/Madam I am writing to you regarding the medical debt that you claim I owe. I would like to request that you validate the medical debt properly. 

As a debtor, I have a right to know that the debt in question is legitimate and that you have the legal right to pursue it. Therefore, I request that you provide me with a copy of the original purchase agreement that shows that you legally own the debt by the original creditor. 

In addition, I request that you provide me with all statements from the open to close, the treatment given, and signed with date and time and by whom in a certified statement ( and notarized ) by the provider ( original creditor :. I would also like to request a HIPAA document if any from the original creditor where I have signed, treatment provided, ICD-10 code ( Please make sure it is HIPAA certified ). 

Furthermore, I want to ensure that you are a legal debt collector in my state of FLORIDA. Therefore, I request that you provide me with a copy of your bond letter. 

I am confident that you understand the importance of these requests, as it is your legal obligation to provide me with this information. I would appreciate your prompt attention to this matter and thank you in advance for your cooperation. 

Sincerely,