davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ALSO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA is INCORRECT and needs to be removed. My CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX and XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (AL)

THIS US NOT A DUPLICATE COMPLAINT! 

This company has not provided an appropriate response to my complaint. This company simply copied and pasted their original response. The company did not address the XXXX items I specifically requested in accordance with the FDCPA. 

My complaint specifically addressed the issue of XXXX compliance between the original creditor and the debt collection agency. The original creditor has NOT provided a copy of the contract that indicates my permission to release my medical information to a third party. 

I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. 

Therefore my request is twofoldvalidation of debt and XXXX authorization. XXXX ) Please provide breakdown of fees including any collection costs and medical charges. XXXX ) Provide a copy of my signature with the provider of service to release my medical information to you. XXXX ) Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed in this complaint and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 

I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2023-03-30
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX
Consumer complaint received 2022-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (SC)

I called Aidvantage twice to inquire about a refund on my student loan payments. My first call was on Friday XX/XX/XXXX. The rep I spoke with was very impatient with me, continually cut me off, and rushed me off of the call. Each time I asked a question, she literally huffed like it was an inconvenience to even be assisting me. I even told her Im sorry that Im inconveniencing you by having questions, I know that youre probably swamped but I really dont understand how all of this works. 
I hung up feeling very flustered and confused about what to expect going forward. 
After reading online that I ought to give it a couple of weeks to follow up, I called Aidvantage again on Tuesday XX/XX/XXXX. This time the rep said All I can tell you is that your refund is being processed. Were so backed up that theres no way for me to update you other than that at this time. While this man was much more pleasant that the first woman I spoke with- he had ZERO information for me whatsoever. He went on to ask me how the liquor laws work down here in South Carolina. He wanted to know if its easy to buy booze at the local stores and/or on the weekends, and then went on and on about his struggles with it up in Pennsylvania where he lives.????!!!?! 
I, again, hung up feeling like I got nowhere with the reps at Aidvantage. I can only imagine the sheer volume of calls they must receive, but there has got to be a better way to service those of us that are due money back. 
For many people these days, the struggle is real. Im a XXXX mother of XXXX. The rising costs have us barely getting by. I would be so grateful if someone could please look into my refund request and help me with obtaining my refund as soon as possible. 
Thank you.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 U.S.C. 1681. 

Account name : XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602A. Accuracy and fairness or credit reporting. States I have the right to privacy 15 U.S.C. 1681 Section 604A ( 2 ). It also states a consumer reporting agency can not furnish a account with out my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ). Section states. No consumer reporting agency may make any consumer report contaning any of the following items of infomation. 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 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-11-04
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} ; ' DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$3000.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$5900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00} ; DEPT OF EDUCATION/XXXX XXXX Balance : {$3900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$350.00}
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (FL)

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 U.S.C 1681. ACCOUNT Name : 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 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 an 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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights of privacy and confidentiality under 15 USC 1681. Please see accounts and third party furnishers who are violating me : XXXX XXXX XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX XXXXXXXX Has violated my rights Account Number : XXXX XXXX Has violated my rights Account Number : XXXXXXXX XXXX Has violated my rights Account Number : XXXX The following companies are furnising these reports : Experian, XXXX, XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. Section 2 : It also states a consumer report an agency can not furnish account without my written instructions Friday 15 USC 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 conventions of crimes which antedates the report by more than seven years. 

15 USC. 1681s 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I have had serveral calls from numerous debt collectors harrassing me about these furnished debts these companies continue to furnish and invad my privacy
Consumer complaint received 2022-09-25
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: EQUIFAX, INC. (PA)

Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.
Consumer complaint received 2023-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022, I used my Capital One credit card to purchase flights from the XXXX website. Later that same day, I called XXXX to modify my reservations and was advised that this would cause additional fees. I told the agent to cancel my reservations and was place on hold. Capital One apparently suspected fraud and utilized its Account Validation system to prevent XXXX from proceeding to charge without my permission. It worked. I hung up from holding with XXXX and called Capital One. The Capital One agent advised that the charges could not yet be disputed as they were still pending but unfroze my card and said these charges would all be considered disputed once processed. 

Subsequently, both XXXX and I submitted documentation to Capital One. Although initially agreeing with me that these charges were unauthorized, Capital One has now reinstated most of the disputed charges. 

XXXX has falsely claimed that I agreed to settle this dispute. Despite my demand, Capital One has not provided any evidence ( since there can not be any ). 

Capital One has not formally acknowledged my responses disputing these charges. I have still not received and only learned of Capital Ones XX/XX/XXXX letter regarding a related claim by visiting your website. Its messaging web page is used only to memorialize communications favorable to the Bank.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (MN)

Having issues with unauthorized inquires on my Experian credit profile am subscribed to Experian monitoring services. it is noted across all three credit bureaus that i was a victim of my data being stolen from XXXX data breach. Experian remove all hard inquires that's not connected to any open account 's on my Experian profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pll i was recently denied a line of credit because of these unauthorized hard inquires. also my phone number that's on file with Experian is being flag by lenders for some reason. also please fix this error asap
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Denefits LLC (MD)

Denefits LLC has violated the cares act and my right to privacy by providing this information to CRAs.In addition, this is a medical bill. 

I want this info removed immediately. They violate of 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose.
Consumer complaint received 2022-07-11
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. (GA)

In accordance with the Fair Credit Reporting act, 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 15 U.S.C 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
Consumer complaint received 2023-06-13
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. (NJ)

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. 

1. Account name : XXXX XXXX Account XXXX XXXX XXXXXXXX Amount : {$4200.00} 2. Account name : XXXXXXXX XXXX Account XXXX XXXX XXXX Amount : {$1700.00} 3. Account name : XXXX XXXX Account # : XXXX Amount : {$2000.00} 4. Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX  Amount : {$14000.00} Account Name 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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.

KINDLY
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

We have disputed the late payments that Ally bank has been continually reporting incorrectly to the Credit bureaus who have continued to keep reporting while we were in XXXXXXXX XXXX bankruptcy even though we have disputed it more than 20 times in the past XXXX XXXX XXXX. 
We filed XXXX XXXX Bankruptcy on XX/XX/2020 : ( # XXXX ) Bankruptcy was dismissed on XX/XX/2020. During that time, Ally Bank continued to report late payments on account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late. 
During that time we were under the bankruptcy umbrella and according to law should not be reported. We have requested countless times for the late payments to be removed during and after bankruptcy and they continue to keep the information on our credit report. We are so frustrated and dont know what to do- thank you in advance
Consumer complaint received 2023-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

On XX/XX/2022, I visited XXXX XXXX XXXX XXXX for a swelling I had on the right finger of my hand. At the reception, I asked the price of the consultation and the attendant clearly told me : {$120.00}. So I decided to pay on my own since my insurance had a {$250.00} deductible. More than the price informed by XXXX XXXX. After the consultation, I double-checked asking : Do I owe you anything else besides {$120.00}? And the lady was XXXX clear : No, you are all set! Important to say the XXXX XXXX has a estimate cost for visits that currently doesn't exceed {$270.00}! Now, after half a year I'm being surprised by a collection trying from Medicredit. They didn't provide any e-mail to contact them. Their website doesn't have ways of communication. I tried to call them several times, but I'm attended to by an answering machine. As I said, I paid the total price that XXXX XXXX charged me for the simple visit. I don't owe them anything else. It seems a kind of scam. Seeking more information, I came across with a XXXX  page with a big alert about the pattern of consumer complaints. According to XXXX, Medicredit has repeated behaviors that hazard consumers usually.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (AZ)

Target Red Card has placed a couple late payments on my credit report. I am a XXXX XXXX  and during the pandemic I was on the road non stop. The company I was working for instructed me to use direct deposit to be paid. I used my XXXXXXXX XXXX and updated with target red card. The issue was is they didn't apply it right away. When my next payment was due the autopay I have set up attempted to take payments from my XXXX XXXX account. There was no funds in this account to cover the payments. Instead of target notifying me or sending me any communications they reported late payments. I sent Target an explanation and asked them to remove the late payments since their site neglects to inform users that the institution change doesn't go into effect right away. This is ridiculous. I'm on XXXX XXXX XXXX XXXX XXXX XXXX and Target treats me like this? They should do better!