davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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)

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Recovery Services, LLC (MS)

RRS is assuming that the debt is mine due to my lack of dispute to their initial communication letter. However, according to the FDCPA, my lack of response is not an admission of debt. On XX/XX/2018, when I called the representative admitted to not having any documentation on file about the debts. Afterwards, RRS voluntarily ( without my knowledge or permission ) obtained my records from XXXX which included itemization of services that listed the labs I took, an XXXX  " Acknowledgment of Receipt of Notice of Privacy Practices '' with my signature, an XXXX  " Patient Information Sheet '' with my signature, and a copy of my driver 's license. None are these are CONTRACTS stating I take responsibility for the bill. Also, RRS violated HIPPA by obtaining my private medical information without my permission because they admitted to voluntarily obtaining my files. This means that RRS cant produce a HIPPA Release form where I gave them permission to obtain my medical services. RRS reporting their accounts to the credit reporting agencies, is illegal due to them using information illegally obtained. Theyre saying my disputes have no factual or legal ground, however with RRS having my medical file and information without me knowing especially after their representative stated they had nothing on file for me is a clear violation of the HIPPA Laws. RRS is aware of this violation and refuses to remedy the situation. They are now subject to up to {$50000.00} in fines per violation according to the HIPPA Guidelines. By continuing to report the information they are exercising illegal debt collection. Also, I checked with the hospital and they confirmed that there is a balance of {$0.00}.
Consumer complaint received 2023-04-27
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-02-10
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, I received notification that itinerary XXXX booked via Chase 's XXXX Rewards portal had a schedule change made by the airline of greater than 4 hours. On same date, I called to determine options for cancellation of this itenerary and was advised that I could cancel and request a refund from the airline, which I did and is also the subject of a Department of Transportation complaint case # XXXX. Today, on XX/XX/XXXX, I logged into my Chase Account to determine the status of the refund, and wish to note that the airline has refunded the monies paid via an airline credit, which is not what I agreed to at the time of cancellation ( cancellation was a result of the airline scheudle change ).
Consumer complaint received 2021-11-18
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. (MD)

This letter is formal notice against Experian who failed to delete unverifiable information in my credit file. I had pointed asked Experian to delete the errors from my credit report that falls under section 604 of the Fair Credit Reporting Act ( FCRA ). They have failed to comply with federal regulations by not reinvestigating nor deleting this erroneous data. At this point they are liable for willful non-compliance, discriminatory acts, and I am seeking punitive damages in the amount of {$1000.00}. I am making a final goodwill attempt and hope that you can help to clear this matter up within 15 days. Please see the attached documentation that substantiate my claim. Please note that Experian keeps alleging that this information is being verified by a 3rd party however, the 3rd party does not have any of the reported information on file for me. We all know that the most serious problems include consumers credit files being mixed with the wrong person which is possible because of the spelling of my name. Also my social security number has been involved in a few data breaches therefore I want this injurious information deleted immediately.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MA)

I lost my job last year due to the covid-19 hence I have to cancelled my auto insurance as I could not afford it. I received email from XXXX XXXX XXXX that I owed them an amount of $ {$2500.00} due to the cancellation. I responded by mail that I could not afford the total amount but will pay an installment of {$50.00} a month which they did not reject but accepted the offer by has been cashing the checks I have been sending to them every month. ( Implied agreement XXXX They have violated the terms of the agreement by sending me to be collecting agency and without any notification from the collecting agency they have also reported me to the credit bureau.
Consumer complaint received 2020-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (VA)

The main company XXXX ( XXXX XXXX ) gave my information to credit management to collect money from me on an account that I never had with them. They gave my personal information to credit management without my consent for a balance that I never owed. I have a collection on my credit labeled as due to natural disaster and I called both the collection agency and the original creditor and they both can not find an account under my name and SSN.
Consumer complaint received 2022-06-29
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX # XXXX and 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 2018-12-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc. (CA)

XXXX and XXXX XXXX XXXX are pursuing me for medical debts after failing to submit a claim to XXXX and failing to properly process my charity care application. 

I have repatedly written to XXXX and XXXX XXXX XXXX to notify them that these debts are not valid. 

XXXX failed to submit a claim to XXXX for these services. I had valid XXXX coverage at the time I received these services in XXXX and XXXX of XXXX and provided my XXXX information to XXXX before I received all of these of services. 

On XX/XX/XXXX I applied for charity care for the services received at XXXX. XXXX failed to process my charity care application in a timely manner and continued to pursue me for these debts. I have attached a complete copy of my charity care application including copies of the bills from XXXX. 

Please note there are three account numbers provided by the creditor and three corresponding account numbers provided by the collection agency. I have attached a copy of the most recent collection notices I have received regarding all three of these accounts. 

The first account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$280.00}. 

The second account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$420.00}. 

XXXX sent me a letter dated XX/XX/XXXX explaining that an error had been made in the processing of my charity care application and that I had in fact been approved for charity care to cover all of these two bills. I have attached a copy of this letter. 

However, on XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX demanding payment for these two bills plus interest and threatening me with a negative credit report. 

The third account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$190.00}. 

This bill was also included in my charity care application but apparently it was not processed correctly. 

A negative credit report appears in my XXXX credit record regarding this third bill. The amount of the outstanding debt reported to XXXX is {$230.00}, including interest. Negative credit reports may have also been made to XXXX and XXXX. I have attached a copy of the page from my XXXX   credit record with the negative credit report from XXXX XXXX XXXX.
Consumer complaint received 2023-03-23
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these 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
Consumer complaint received 2018-12-22
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: JPMORGAN CHASE & CO. (IN)

On or about XX/XX/18 I noticed my XXXX XXXX checking account was overdrawn a little over {$900.00}. A review of the debited amounts showed I paid Chase Bank Creditcard {$3700.00}. This is incorrect. I paid {$170.00} on XX/XX/18. When I called Chase, I was told it was a " posting error '' and they would reverse the amount, excluding the minimum payment due of {$160.00}. I then called XXXX XXXX and explained what happened. They had taken funds from my checking, savings and a XXXX XXXX credit card to satisfy the {$3700.00}. In addition, they charged a number of overdraft fees for this and other automatic payments that I have set up for various bills. XXXX said they would initiate an investigation. A few days later I received a letter, dated XX/XX/18 from XXXX ( copy attached ). I thought the matter was resolved until I received the attached letter from Chase dated XX/XX/18. I called them & spoke to XXXX at the number listed on the card. He transferred me to a Supervisor named XXXX in XXXX, Florida, who told me they returned the {$3700.00} twice, in error. The problem is I only see one refund amount for {$3700.00} on my bank statement. I don't know where they sent that money, but it wasn't to me. In addition, they've added that amount to my balance and now show that I owe {$7300.00}, which is over the card limit of {$4000.00}. 
Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2023-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc (CA)

Harley Davidson Financial Account # XXXX Account Opened XX/XX/XXXX Account was Charged off XXXX for {$14000.00} that was all that I owed. Then after it was charged off they have been reporting it late on my credit report. Furthermore, Harley Davidson Financial was pulling my credit report almost on a monthly basis without my knowledge or permission. Recently, It says on my report I made a payment on XX/XX/XXXX. Which I did not this account has been charged off XX/XX/XXXX. They are not allowed to report inaccurate information and they have. I have been harmed by this on my credit report almost 10 years now. 

You can not report a charge off and also report payments or late payments at the same time. 

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I attempted to close my accounts with fifth third XX/XX/2018. My account was not closed, and I have since been hit with two overdraft fees, and have an outstanding balance of {$290.00} from a recurring payment tied to the account, plus the two {$37.00} overdraftt fees. The account is still not closed. Fifth Third Senior Vice Preisdent XXXX XXXX sent me a lettter threatening collections if I did nott pay, and provided contactt information and hours. I have tried calling within tthese time windows on multiple different times, on multtiple different days, only to recieve an auttorecorded message saying that fifth third is closed. The call window is XXXX M-F, XXXX Sa-Su. I placed multiple calls at both XXXX Saturday and XXXX Friday to no avail. 

This issue can not be resolved if the contact information provided is not functional. I have phone logs to back up the call placement times. I also have withdrawal records, and I'm sure the bank has video evidence of me entering and asking to close my account XX/XX/XXXX.
Consumer complaint received 2022-05-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Consumer complaint received 2022-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

Since the month of XXXX I have been trying to dispute an amount on my credit report that was put there by Midland Funding, LLC. Since about 2017 the debt has been there for the amount {$490.00}. As of late a couple of times a month they will add {$1.00} which effect my credit and make my credit score go down XXXX pts then before then of that same month they will remove the {$1.00} they added and this tactic is all to keep my credit in shambles. I sent a debt validation letter and the letter showing {$490.00} but, then I got an email from XXXX in XXXX that the Collection went up to {$490.00}. According to Michigan law a debt collector does not have the right to add any fees or interest to any debt. I still protest that this debt is not mine and I want it removed from my credit report because, it is harmful to my life 's progress. Midland Funding LLC did not prove that they owned the debt.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

I had an auto loan with Lobel Financial, the car was impounded by local PD and then repossessed by Lobel Financial, then Lobel Financial sold the car at auction to compensate the remaining balance on the loan. Now the issue has escalated to litigation for any remaining money owed and the case was closed a few years ago. Lobel Financial received payments from me for over a year, then received the car back, sold it for less than market value, added legal fees to my balance owed and continues to charge me interest on the loan, the account was reported closed before Lobel Financial repossessed the vehicle and remained closed for years, the status changed a few months ago as an open auto loan on my credit and they refuse to correct it. My balance is ~ {$2000.00} more than the initial loan amount even given the fact that I made payments for a year and they received the car back. How is that possible?!?
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (NY)

My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.
Consumer complaint received 2021-11-22
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 — Investigation took more than 30 days
Company: ERC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE CONTACTED TRANSUNION AND ASKED THEM NICELY TO REMOVE THE INQUIRES THAT WERE NOT AUTHORIZED BY ME NUMEROUS TIMES. I HAVE A TOTAL OF 9 INQUIRIES THAT NEED TO BE REMOVED IMMEDIATELY. I DID NOT AUTHORIZE THESE AND I HAVE NO ACCOUNT ASSOCIATED WITH THEM. NO CREDIT WAS OFFERED. HERE ARE THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AS YOU CAN SEE SOME OF THESE ARE ON HERE NUMEROUS TIME. I AM ASKING THAT THIS BE LOOKED INTO IMMEDIATELY. THANK YOU IN ADVANCE.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I added my husband onto my Capital One credit card as an authorized user. Capital One was reporting his credit scores until I called in about a balance that I ended up having to dispute. The problem was resolved with the balance, but my husband 's credit scores went from 700+ to XXXX. I contacted Capital One 7 times to explain the situation and they said they were submitting his scores and to contact XXXX. I contacted XXXX   who informed me that Capital One was not reporting my husband 's credit scores as an authorized user on my account. I contacted Capital One repeatedly concerning this issue and they asked me to write a letter to their Discrepancy Department. My husband still does not have his scores being reported even though he is an authorized user with an active credit card.