davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (IL)

Americollect fails to show me what i owe them or my medical provider for. I have asked for proof of debts and have only been told the balance of the current account and that it came from a medical provider, upon checking my credit score it shows 3 accounts from americollect in collections. All are above 350 dollars per account. When I check americollects online sight I do not see these same XXXX collections on my report but a plethira of small collections accounts I supposedly owe to them. I am not sure which accounts are true to me actually owing them, especially since the credit report and there account site dont match.
Consumer complaint received 2021-04-07
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)

XXXX XXXX XXXX pulled my credit with my consent. It had negatively impacted my XXXX XXXX and Ive disputed it. The company apologized for their error but it had yet to be reversed and my my score with Experian continues to be low. I want my score to be increased and corrected. 

XXXX XXXX XXXX pulled my score on XX/XX/XXXX and XX/XX/XXXX Also a collection from XXXX was placed on my report. Ive never been serviced at XXXX. I reported it as fraud and it has yet been removed from Experian and hasnt been reversed to increase my credit score.
Consumer complaint received 2023-05-22
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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (TX)

I have been a victim of identify theft yet again with XXXX. I have no knowledge of this account with Exeter Finance LLC/XXXX which has opened an account with my social security number and card. I am unaware about any of this and the FTC already has an investigation in motion.
Consumer complaint received 2020-07-07
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. (IL)

This account was opened fraudulently on XXXX/XXXX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX & Without Correction within 30 day period. The violators started threatening consumer without faithful correspondence to consumer 's concerns. 
Account ending in XXXX : {$4500.00} Account ending in XXXX : {$11000.00}
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CA)

In late XXXX, 2020, I paid the remaining balance of the medicredit bill off. They advised it would take 30 days to reflect. I called today and because I noticed it was never updated on XXXX XXXX and a representative advise they have it notated as paid in full and the rest would be handled else where. I would like this to properly reflect on my credit report and show in a paid in full status.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (DC)

Barclay Card US Uber VISA Card changed their rewards program completely without informing customers. When I originally signed up for this credit card, they offered a percent back on " Dining & Entertainment '' and because of that I immediately began using the credit card for all of my dining. I have spent many thousands of dollars in the last year and a half of owning the card, but in XXXX of 2020 they changed the rewards program from allowing me to choose how the rewards are applied, to forcing me to create an Uber account and apply the rewards to that account. The problem is that I don't have an Uber account, and do not want to open an account. When I originally opened the credit card, this aspect of the card was not required to take part in the benefits program, and I was never informed that it may change. I was never informed that it DID change either. But now I find in the last week when I went online to redeem my rewards I can no longer do so because I don't have an Uber account. This entire time I've been using the credit card with the intention of using the rewards program in the exact same way they told me I would be able to use it when I signed up. I understand that some of the finer details may change, but now they've completed the bait and switch technique and are refusing to allow me to redeem the rewards that they promised me when I signed up for the credit card.
Consumer complaint received 2022-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX My mortgage company sent a check in the amount of {$3500.00} to XXXX XXXX XXXX XXXX XXXX XXXX DE. 
On XXXX Call Called Barclays Loan department and asked them would the payment be forwarded to the correct office. I was told by the customer service associate that if the payment was not sent to po box XXXX XXXX, PA that the check would not be applied to the account. I needed to stop payment on the check and reissue another check. 
On XXXX I made a payment of {$400.00}, so that the payment would not be late. 
On XXXX mortgage company sent a new check priority mail to po box XXXX XXXX, PA for {$3500.00} XXXX 
On XXXX {$3500.00} was applied to the account. 
On XXXX called customer care requesting a refund for the amount that was overpaid, which was a little of {$700.00}. At the time of the request, the check that was applied on XX/XX/21, had not been applied to the account yet. 
On XXXX Another check was applied to the account for {$3500.00} On XXXXA Refund check of {$4200.00} was issued. 
On XXXX Payment of {$3500.00} was returned due to the 1st check was stopped. Now there is a balance of XXXX and collecting interest. 
On XXXX I called and advised that I have not received the refund check yet. Customer service rep stated that she has requested for a supervisor to call back in regard to refund check. 
On XXXX Called Barclays loan customer service about refund check and was told that XXXX will call back later today. 
On XXXX called and basically stated that there was nothing they could do because the check was issued on XX/XX/21 and I needed to wait 25 business days to request for a stop payment on the check. I requested for the check number that was sent and they do not have records of check numbers. 

On XXXX Called Barclays loan customer service to request stop payment on check and the associate stated that they could not request that and would need to have manager call me back in 1-2 business days for them to request. 
I want my account to be rectified : I do not believe that the loan should be collecting interest after XX/XX/21, since this is Barclays fault for telling me to stop payment on 1st check and I was still waiting on Refund to be issued, so that the funds can be applied to the account. I want the account refunded immediately and the interest to be recalculated and sent a refund.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-18
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NM)

On XX/XX/XXXX I was overcharged on my Visa card by the XXXX XXXX for a TV they claim I broke. The TV was not functioning well as we were trying to view it hence it was already broken but the motel manager tried to blame it on me and charged me for a total of {$300.00}. I then disputed this charge with the Best Buy Visa card sponsored by Citibank and after waiting two months for a resolution they told me I was responsible for these charges. the only supporting documentation they sent me was a copy of my registration invoice for XXXX XXXX  on XX/XX/XXXX and a copy of the detailed Folio from XXXX XXXX  of the broken TV charges. This seems wholly inadequate documentation on the part of my credit card company, it appears no real investigation of the charges were pursued. I never was informed of these charges by the motel and although they claimed that they sent me documentation of the repairs, I never received such by certified mail or any sort of mail.

My credit card company was made aware of this and apparently made no attempt to adequately dispute these charges on my behalf.
Consumer complaint received 2024-01-19
Product: Credit reporting 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)

XXXX XXXX dateXXXX amount {$570.00}. I sent disputed letters to the credit bureaus for validation of debt. No response. 
XXXX date:10/01/21  amount {$570.00}. I sent in dispute letters for the account and no actions were taken on my behalf.
Consumer complaint received 2021-03-26
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

My account was hacked and took 3 weeks to confirm and close. I received notice XX/XX/XXXX that my number on the account had changed. Then the email. Chime claimed they fixed multiple times but did not. After attempting to fix with the bank and sending over personal identification chime was unable to secure the account so I chose to close it. I closed once and they confirmed the amount and the address to match what I knew then to be. 3 days later I call to recertification the account closed and funds mailed only for them to say the account was suspended due to suspicious activity. I again sent person identification and confirmed myself and closed the account. Chime confirmed my address and stated the funds were mailed. Only for the mailed funds to be incorrect.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

My chase account had a balance of about {$1500.00}, I got an email and a notification from the app saying my account is closed and my funds will be mailed within 10 days, I went to the bank, I was also told the same thing. 

After waiting for 10 days, I received no check whatsoever l, I called Chase customer support, and like they always do, they put me through hoops, saying that theres nothing they can do and I have to wait. Now its been 6 months, I have received my check, nor have I been giving an explanation or reason for my account closure or inability for them to mail the check.
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Good morning, Department of Economic Opportunity of Florida ( DEO ) approved me for mortgage assistance starting on XX/XX/2022. However, since my approval date my mortgage company LoanCare has not received any payments. DEO has assured me they have sent out over {$4000.00} in payments but LoanCare claims to have not gotten anything. I am very concerned since LoanCare is threatening me with foreclosure but I am under the impression these checks are going somewhere and I know for certain they are going to the correct address that LoanCare told me to use. Also DEO has had this situation under investigation but I still have not gotten a response. I was approved for 6 months so this XXXX would be the last month. I would appreciate any help regarding this situation. 
Thank you!
Consumer complaint received 2020-05-24
Product: Checking or savings account — 
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One, XXXX XXXX XXXX, XXXX, VA XXXX had a checking and possible line of credit account for my daughter. Years ago, I was instructed by Capital One that I could add this account to my electronic banking to enable me to transfer funds to her, but I never accepted responsibility as a co-owner and was not responsible or informed about that account. Capital One never communicated with me about this account or informed me that the account was in arrears. In late XXXX, 2020, I got a call from Capital One that her account was past-due, and I authorized them to withdraw from my checking account the past-due amount to help my daughter. Capital One at that point started to treat my daughter 's account as mine, without any notice or authorization by me, and then reported negative information to XXXX and others ( XXXX ) using my personal information. The date of the report was XX/XX/2020, the amount is {$810.00}. I have repeatedly attempted to have Capital One remove this negative information in my name from the credit reporting records. Capital One appears to have no department to deal with misinformation about checking/credit lines. Instead, they keep passing me from department to department, and are even unable to find how this information was reported about me, and seem to have no mechanism to fix this problem. They inform me that they have a department to deal with credit card errors reported to credit reporting agencies, but have no one to deal with misreporting checking/line of credit information. One senior representative admitted that they have no mechanism because, unlike credit cards, they believe they have no statutory requirement to do so.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AutoNation Enterprises Incorporated (GA)

Car Loan Closed on my credit report that has nothing to do with me. 
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, 1977, XXXX XXXX. XXXX. )
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (UT)

I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
Advanced Resolution Services , Inc. ( ARS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  for ( XXXX  ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : XXXX5 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida