davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I have contacted Experian on XXXX different times and they have not responded once. Dates i contacted them 1.XX/XX/XXXX2016 no response, 2XX/XX/XXXX2016 no response, 3. XXXX/XXXX/2016 no response, 4.XX/XX/XXXX/2016 no response, 5. XXXX/XXXX/2016 no response 1. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX 2. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX I Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
5. The infomation is incorrect for the following account XXXX SALES LEASE OW Account Number : XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

11. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

15. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

16. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlas Services, Inc. (IN)

I was not properly notified of a debt with the original creditor. I contacted the original creditor who agreed to remove the collection from my credit report after it was paid due to the notice being sent to an old address. This was also communicated to the collection agency ( Atlas Collections ). I paid the debt in full and the collection agency only removed it from XXXX of my credit reports. I have made multiple attempts to reach the collection agency and have left several messages, emails etc. they will not respond to my requests. I have emails that show the agreement to remove it and where they stated that they had removed it. I have also disputed this with the credit reporting agencies and Atlas has verified this rather than removing it.
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (DE)

I am a XXXX veteran who depends on his XXXX payments to live. In XX/XX/XXXX, I took a part time XXXX position with XXXX XXXX, XXXX PA. to make extra money as I was falling behind in some of my bills. My instructions from the company were specific, 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. Due to me being a XXXX XXXX XXXX veteran, this was a job I could handle. I started processing these money orders on XXXX XXXX and on XX/XX/XXXX was appraised by PNC Bank, XXXX PA. that the {$9900.00} in money orders that I had processed were fraudulent, according to the Postal Inspectors office. I was then told that I was being held responsible for the banks loss. I asked how I could be responsible when their trained tellers processed the money orders and said they were good. I was told the bank has to recoup its loss somehow. I immediately filed a police report with DE. State Police ( XXXX XXXX ) where I was identified as the victim. Repeated complaints to PNC at all echelons have led to no results. Their final decision made on XX/XX/XXXX was the same as I had received earlier, the bank has to recoup its funds somehow. On XX/XX/XXXX I contacted the FDIC at XXXX, talked with a representative who said that for cases like mine involving fraud/money laundering, that is why each bank account is insured for {$100000.00}. I ask you give this complaint your upmost attention, PNC Bank confiscated my VA XXXX Check on XX/XX/XXXX for {$3000.00} and my XXXX check on XX/XX/XXXX. I have no money to buy food, gas, and my telephone has been cut off. I can not go to bi-weekly treatments for part of my condition and my food supply is bad shape. Due to these events my health is dwindling and there are many factors that make this situation critical.
Consumer complaint received 2016-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OK)

XXXX quit providing channels I subscribed to therefore breaking our contract. I called to cancel our contract and later returned all equipment. I cancelled 2 days into a billing cycle which I offered to pay if sent an appropriate bill. The only bills I received were in excess of {$200.00} which I did not pay. I do n't feel I should pay {$270.00} for two days service.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AL)

In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner. 
IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially. 
I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I applied for a credit card for XXXX with XXXX Bank Creditor, I got my denial letter stating my credit score was low of XXXX from Experian at XXXX Experian XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. However, I went to Experian to obtain my credit score and it states XXXX. I check my credit score regularly and it has not been that low. I have called XXXX Bank and they told me to dispute with Experian because that is where they got the information, so when I called Experian they told me I needed to call back to the bank to figure out " what model they used to pull the credit score? '' He would n't let me make a dispute or speak with a superior and kept telling me to call back to the bank. So I called back to XXXX bank and they told me they do not give out those information nor can find out how to find that out. I need to find out where they obtained this credit score because it has denied me a credit card and also affect my credit inquire.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

/I requested a 7 day trial period for {$1.00} and sent in a termination request within 1 day and they a/re charging me for a service I do not want nor have used. Return my {$21.00} charged on XXXX/XXXX/16 to my credit card. That was my kids lunch monies XXXX!
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian regarding report # XXXX. Experian has removed all of the unauthorized inquiries except for XXXX : XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16, & XXXX XXXX XXXX XXXX/XXXX/16. 
Secondly the following account is not accurate : XXXX XXXX account # XXXX. In the comments section it states : Debt being paid through insurance. This item remained unchanged from our processing of your dispute in XXXX 2016. 
# 1 this XXXX XXXX account as I advised Experian should not be listed on my credit report. I only have an account with XXXX. XXXX, formerly known as XXXX XXXX. However, all of my Navient accounts are in good standing. The XXXX account listed on my credit report ( s ) includes this same account that is listed separately as a negative unpaid account. This is not true. This is not accurate. # 2 XXXX account # XXXX is listed on my credit report. I contacted Experian about this company as well. I do not have an account with XXXX, I only have an account with XXXX. And my XXXX account shows that. The annoying thing about this is that XXXX conducted an investigation and corrected this issue. Yet it remains on my Experian ... This makes no sense at all.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Creditor reported deragatory history on a debt that was discharged in CHXXXX bankruptcy 6 months after debt was discharged. CRA 's will not remove negative history they only updated it to show Bk. Any debt collection AFTER CHXXXX Bankruptcy and or negative collection comments must be removed. These actions are in direct Violation of the Automatic Stay per US Bankruptcy code.
Consumer complaint received 2020-04-19
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. (TX)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I moved recently, last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 12 separate fraudulent accounts ranging from credits cards to small loans. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. 
Accounts in question : Creditor Date Opened Balance XXXX XXXX XXXX. XX/XX/XXXX {$680.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX  XX/XX/XXXX {$95.00} XXXX XX/XX/XXXX {$760.00} California XXXX XXXX XX/XX/XXXX {$1700.00} California XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX  XX/XX/XXXX {$640.00} XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$1300.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Consumer complaint received 2016-01-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: POM Recoveries, Inc. (CA)

I received repeated voicemails on my cell phone from a number that just showed up as XXXX and said that i had outstanding debt and needed to call XXXX XXXX at XXXX ext XXXX referencing account # XXXX and Pin # XXXX. 

I called the hospital ( XXXX XXXX in XXXX, VA ) and they said i had no outstanding payments, so i finally called XXXX and told her that. She was able to tell me the name of the doctor i saw in XXXX and said to call them to verify the supposed {$350.00} bill that was outstanding. She also had my home address and did not offer up a website to provide payment when i asked, but instead wanted me to pay online. I called the doctor 's office and they had nothing on file either so i called XXXX one more time and she then gave me the number of the hospital 's supposed billing system ( XXXX ). When i called this number, it was a menu of options with a foreign accent but otherwise official recording that mentioned free online bill pay. When i finally spoke with an agent, I did not give any information, but asked to be transferred to make an appointment ( to test the authenticity of the person ) and they were unable to transfer me. Then I said i did not believe they were who they claimed to be and they quickly hung up. 

Please take action to stop this group from frauding others! It was clearly a sophisticated scheme and they need to be stopped!
Consumer complaint received 2016-01-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dyck-O'Neal, Inc. (TN)

For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

The site XXXX wouldnt work and did n't give me my XXXX or experian reports and the companies wo n't help me. They provided me with the number XXXX which I was unable to connect to a human being which is unacceptable.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (DE)

I have disputed a few items with Experian and they were removed off my credit but now the companies have some how added it back on my credit file. Due to there neglect, they should not be allowed to add these back as the company has not responded to them in time. I also had a dispute with the CFPB that was resutled in my favor and the file was not removed and there is documentation that they were removing the tradeline from my credit report.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Equifax did not remove the item from my credit report. Equifax did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Equifax to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

On XX/XX/2006 I opened loan Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone No : XXXX in Equifax Credit report and Reinvestigate showed " this account has not been closed '' but I spoke with XXXX XXXX ( Now XXXX XXXX ) they said this account is closed, and I do not have plastic credit card either. On report additional information says " Account Transferred or Sold ''
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX told me on the phone that this loan was 'satisfied '. So, it should not be on my credit report. I disputed it with Equifax and they refused to remove it. It needs to be removed. XXXX sold it to another company and it is showing as a 'charge off ' with the charge off amount of ' {$0.00} '. Makes no sense. This is false information and it needs to be removed by Equifax. I can not buy a loan because of this information on my credit report. Please help.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

Over two month ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. To date, I have received no return correspondence from Equifax. They are supposed to respond within 30 days, and it has been more than 60 days.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Other — 
Company: EQUIFAX, INC. (MI)

A hard pull on my Equifax credit report from bank I already have XXXX credit cards with XXXX. I have not applied for any loan, new credit card or credit line increase in nearly 18 months. I suspect identity theft or credit card fraud. I disputed it with Equifax on line and received a response that the hard pull was fact. Sent letter to XXXX about dispute on XXXX XXXX, 2016 have n't heard back. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MD)

I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MI)

I received a notice from Chase Bank USA in the mail stating that the terms of my cardmember agreement had been revised and that my Cash Advance APR rate would arbitrarily rise from 19.49 % to 25.24 %. I called the hotline posted on the notice and spoke with a customer service representative from Chase to dispute the changes to the agreement. The representative was kind, but told me that my only option to reject the interest rate hike was to close the account.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I have asked EQUIFAX to delete this information and they continue to put it on take it off and I am fed up with the entire mess. They are supposed to do what I ask them I sent proof of the problem and they just keep putting this erroneous incorrect information on my credit report. It is also reporting XXXX XXXX, the Consumer pursuant to XXXX ( XXXX ) has asked to have them delete it and they have not done so as yet. I do not feel it is right for them to allow the unauthorized use of my credit from a DEBT COLLECTOR, without my permission nor my loan level documentation for the whole world to see. This is a violation as well it is called IDENTITY THEFT, PURSUANT TO XXXX, which is ridiculous. EQUIFAX has done this same ruthless thing for years and it has to stop. They are defaming my character and harming my well being when I want to obtain goods and services for my family, personal, and household use. I want this information to be DELETED, as the Consumer as asked. The Creditors also have not provided me with a written agreement which must be done. I do not know why DEBT COLLECTORS, feel as if I must go to work, give them money which is not theirs and put the Consumer in XXXX, just because they do not want to work. This is against the law and part of the XXXX XXXX XXXX XXXX talking about these XXXX CORPORATIONS thinking that something is owed to them when it is not. This has to stop, CEASE AND DESIST reporting this inaccurate erroneous information.