davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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. (AR)

On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to XXXX, Experian, and XXXX   via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from XXXX, Experian, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to XXXX, Experian, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; XXXX, XXXX, and Experian must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609,  and 611. I will include a copy of my report with this complaint.
Consumer complaint received 2019-05-13
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: OpenRoad Lending (MD)

I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX Open Road Lending inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of Open Road Lending and XXXX XXXX. So I contacted Open Road Lending and XXXX XXXX  who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.
Consumer complaint received 2015-07-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: John C. Bonewicz, P.C. (CA)

Hello I have a loan serviced through XXXX that is a private student loan, it is current. However, the loan was sold and re-sold from XXXX to XXXX to XXXX bank and is back at XXXX. 
The law office of John Bonewicz ( XXXX ) Persists in calling my friends ' parents to get in touch with me.I have never resided at this address or provided this phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number which I do n't even know. When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I acknowledged that I owed them a debt. I do not in fact owe them a debt as my loan is current and serviced by XXXX, when I spoke with XXXX they indicated that they never authorize 3rd party collection calls. 

I 'd like to know how to get them to stop calling. 

thanks, XXXX
Consumer complaint received 2020-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I have a " debt '' with Wakefield and Associates in Colorado. The debt is for {$860.00} for a medical bill in XXXX Arizona with AZ XXXX XXXX on XX/XX/2017. The amount they are saying I specifically owe is the exact amount that my insurance stated it ALREADY paid for the debt. All we owed was {$60.00} co-pay. I logged into the hospital website, viewed the bill, and it stated that my bill has already been paid in full. I faxed documents to the collections and they state that this is not the same bill that I owe ( which is incorrect as I've only been to this hospital one time ). They continually harass and state I owe a bill already paid and use language that it will hurt my credit.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NC)

During XXXX  week XX/XX/XXXX, we traveled from XXXX to XXXX   with our XXXX  device.

We received 4 toll violation notices from the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ( XXXX, XXXX, XXXX and XXXX ). We completed the violation dispute form for each violation and mailed them back to XXXX XXXX XXXX on XX/XX/XXXX. We received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX for violation XXXX in which they rejected our dispute based on 1 or more of 3 reasons ( the exact reason was not indicated ). We then responded with a letter that addressed each of the 3 reasons with proof that we had not violated any of the reasons given. We then received a letter from Retrieval-Masters Creditors dated XX/XX/XXXX that violation XXXX  had been sent to them for collection. We sent them a cease and desist letter as well as a letter to the XXXX XXXX XXXX XXXX XXXX  explaining once again that we should not be charged for toll violations. We also decided to send a letter on the same day to the the XXXX Attorney General for assistance on this matter.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My mortgage with XXXX Bank of XXXX PA has been transferred to Loan Care XXXX of XXXX XXXX XXXX Their customer service is unacceptable. They are inaccessible by phone ( long waiting times ) and their web site does n't function. Have n't been able to set up auto pay. They have horrible ratings by customers on various web sites with very unscrupulous practices such as charging unwarranted late fees and failing to pay escrow insurance and taxes in a timely manner. Look them up on yelp. Do I have any recourse other than refinancing?
Consumer complaint received 2016-10-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

I made an XXXX appointment with the XXXX XXXX XXXX in XXXX on XX/XX/XXXX, and XXXX XXXX XXXX refused to do the ear cleaning and referred me to an XXXX, although it was not urgent, and she should have been able to XXXX. I did not go to the XXXX, as I knew it would be more expensive, and so I used up XXXX sets ( XXXX ) of the remaining XXXX sets of XXXX that I had left over that I had purchased in XX/XX/XXXX. The XXXX sets cost about {$100.00} and are no longer available. XXXX failed to tell me in advance that I would be charged if she refused to do the ear cleaning. She did not give me a bill and failed to tell me that I would be charged when she refused to do the ear cleaning that I specifically made the appointment for. I later received a bill dated XX/XX/XXXX, for {$76.00}, after Medicare paid the first {$12.00}. As there was no way to call XXXX, I called the XXXX customer service, and I was told that a supervisor would call me, but no one did call. After I received the 2nd bill, I called again, and they had no record of my having called the first time, and again I was told that a supervisor would call me, but no one did. After I received the 3rd bill, I went in to talk to XXXX and her coworker, and she seemed to agree that I should not have to pay, but she could not reverse the bill, so she emailed her supervisor who was supposed to call me but did not. Several weeks later, I received a letter from XXXX XXXX XXXX from the XXXX XXXX XXXX office in Rhode Island. As she does not take calls after XXXX California time, and I do not get up that early, I left XXXX phone messages for her requesting an email address so that I could explain in writing why I do not owe XXXX anything, but she never responded.So on XX/XX/XXXX, I mailed her a XXXX page written letter. The next day, I received a bill from XXXX 's collection agency, Transworld Systems Inc. in XXXX, PA. I called the same day and left a message explaining that I do not owe XXXX anything, and now they have sent a second bill. On XXXX XXXX, XXXX XXXX illegally called me at XXXX and left a phone message. I left a phone message for her that she needs to stop billing me for the fraudulent charge. Medicare defines Insurance Fraud as " One form of insurance fraud is when a provider bills medicare for services you never got ''. As a result of my bad experience with XXXX, I will never use a XXXX XXXX XXXX, and I will never shop at XXXX again.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

Macy 's Credit card services and their in-house collections Company, Citi-Bank, claim that my account with them is unable to be resolved. I want to pay the debt, but Macy 's wo n't accept payment because they have a 5 year statute of limitations. Since they are no longer looking for payment they claim I owe nothing, however they will furnish no correspondence to me to that effect. My concern is that the bureaus wo n't update it to show that I owe nothing because Macy 's wo n't update this with them. The Bureaus will continue to report for 2 more years, in the meantime Macy 's still reports on my credit account as recently as XXXX XXXX, with the initial being in XXXX of XXXX.
Consumer complaint received 2024-02-08
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. (IN)

AUTO LOANS RELIABLE AUTO FINANCE Reported : XXXX XXXX XXXX XXXX {$4000.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + OTHER LOANS XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX - XXXX Reported : XXXX XXXX, XXXX {$1300.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-08
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. (TX)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-08
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my deraily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2016-04-28
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I recently signed up for AutoPay on American Express. After signing up, it said it would take XXXX billing cycles before it would be active, so I went ahead and paid my bill for the current cycle. But the AutoPay was active ( and their website did not show that it was ) so it charged me again for my bill, and subsequently overdrew my bank account. When I noticed this, I contacted my bank XXXX XXXX XXXX XXXX XXXX and Amex. XXXX XXXX XXXX provided me a temporary credit for XXXX of the transactions. The next morning the temporary transaction had been removed from my account so I was charged an overdraft fee again. I called the bank again and received another temporary credit. 

When I called Amex the first time, they said there was n't anything they could do since the payment had already " posted '' even though it was still pending on my bank account. I had to call Amex 6 more times to resolve this issue. First, they said that my bank denied both of the payments so I had to pay them again for the credit card bill -- this was untrue -- and that I needed to resolve the issue with my bank, not them. I called my bank to confirm that they only denied XXXX transaction and they said they had. Then Amex tells me that they will fix the issue because my credit card statement was showing a negative balance. They said they could apply the balance to another card I had with them, but I told them that I just wanted a refund for the payment. They said they ca n't issue one directly to my bank account, so they will mail a check to me and fix my account within 48 hours. 

A week later, my account is still not fixed, but I do receive a check in the mail. However, Amex now shows that I owe them for the check that they sent me because my bank settled the dispute with them and made my temporary credit a permanent XXXX! No one from the bank or Amex had mentioned anything about this to me until I got a letter in the mail over a week and a half later. I called Amex again to see if they could cancel the check and remove the money I " owe '' them, and they tell me they will and that it will take up to 48 hours. Over a week later, my account has not been fixed so I call them again. They then tell me the only way to cancel the check is to mail it back to them so they can void it, but they said it could take up to a few weeks. They told me I should just cash the check and pay them online. This has occurred over the span of 4 weeks -- each time Amex arguing with me that I owe them twice for my credit card bill and then promising to fix it. To top it off, some of the customer service representatives were extremely rude and accusatory.
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I sent out an 609 form to Trans Union in order to verify that in fact this was my account XXXX. 
To no response they have not verified nor have they validated my account information from XXXX XXXX showing me proof that indeed I owed or ever had an account with them. I enclosed a copy from XXXX  showing that there account from XXXX XXXX was deleted and removed from there system. This has cause me tremendous stress.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

In reference to loan XXXX, Ally Bank erroneously reported that my son XXXX XXXX and I have made late payments resulting in the lowering of our credit scores by 100 points. XXXX is the primary owner of the XXXX XXXX XXXX covered by the loan and I am the cosigner. 


In XX/XX/XXXX, while making our regular payment the Ally Bank website stated that " Ally Bank offered a 3 month extension for those effects by the pandemic. '' My son was laid off due to the Covid, so we filled out the online form on the Ally website in good faith. Around XXXX we started receiving late notices and we attempted to contact customer service, thinking this was some type of mistake. After at least 10-12 hours on the phone we were unable to receive help. I also have requested to speak with a supervisor numerous times and have reported the issue on Allys twitter site, but still have received no help. I received a case number XXXX and have satisfied the terms of the agreement. We have appealed this to a supervisor ( XXXX ) but he was little to no help. 


We never had any late on any payments to Ally bank during the entire term of the loan, nor have we been late on any other loans. We request that you notify any and all credit reporting bureaus regarding Ally Banks mistake. 
Sincerely, XXXX XXXX and XXXX XXXX
Consumer complaint received 2016-09-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I have sent this collector a bunch of letters certified mail and they have never responded or provided any proof of the alleged debts they are reporting on my credit reports. I do not agree with the debts owed and i have asked them for an itemized bill so i could determine if the debt they claim is truly mine or not. Initially they were sending me collection letters stating that they were in Pre-legal review and that they were going to turn the case over to a lawyer to sue me. That was XX/XX/XXXX and they still have not sued me or provided even basic documentation to prove what they claim. They have violated 15 USC 1692 FDCPA and 1681 s2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent 3 certified mail letters and they have only responded with their standard computer generated letters stating that they received my dispute and will no longer contact me but they have never once provided even 1 account statement showing what was purchased or even showing i ever owed a bill. I am still disputing this debt and this is my last effort to get it resolved before filing a lawsuit in Federal court in the XXXX District Court of Pennsylvania