davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: NRA Group, LLC (PA)

Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and NATIONAL RECOVERY AGENCY And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to get my information to a third-party Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me And I have PDF files showing the in accuracy and top of them breaking the law
Consumer complaint received 2022-10-02
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. (SC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

Phoenix Collection agency reported several collections on my credit from one hospital visit. I had and still have medical coverage. I was never informed that Phoenix had this account nor that they were reporting anything on my credit. I sent a request for them to validate these accounts and they just ignored my requests, but they continue to report the erroneous accounts on my credit
Consumer complaint received 2022-07-04
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. (VA)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (CO)

I transferred money on XX/XX/2022 for the amount of {$75.00}. The money was already debited out of my XXXX XXXX account and was deposited on XX/XX/2022. Key bank is withholding my funds, so they can accrue their real time over draft fees. I spoke to a XXXX XXXX representative they informed me my information was correct and accurate, that my bank is holding the funds which is Key bank. Spoke to multiple online banking representatives, XXXX a supervisor encouraged me to sue. Instead of handling the situation at hand. She was rude. All I want is what's rightfully mine.
Consumer complaint received 2020-10-04
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the  physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX
Consumer complaint received 2022-07-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report. 

6. Verify This invalidated account XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

Request received from XXXX XXXX XXXX Transaction ID XXXX Note Suspicious transaction of {$500.00} detected. 
If not done by you contact Fraud Investigation team at XXXX ( XXXX ) XXXX to cancel. Service hours ( XXXX ) Details Money request amount {$500.00} Total {$500.00}
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth Third Bank indicated late payments in spring 2019 which are not accurate, the bank changed the loan payment date without notifying me. This is showing as a delinquent account open on my credit report. I resolved this once I became aware. All payments have been made and in the correct amounts ( almost all payments are more than the minimum monthly payment ). I called the bank and spoke to several people who all agreed that the account was not delinquent. However, all told me they could not assist with removing the open collection indication from my credit report because they did not know how to do that ; they told me they could only assist if my account was actually delinquent. The bank also claimed to not have a legal department. 
The bank then advised me to contact the CFPB for resolution.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX  Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ) and Account # XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XX/XX/XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.
Consumer complaint received 2020-10-03
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: JPMORGAN CHASE & CO. (CA)

tried to open dispute for XXXX in past 45 days and it wont so i emailed 12 times and they didn't respond. all documentation in the inbox to them. no one that adequately speaks and understands English ever answers, if anyone at all.
Consumer complaint received 2020-10-04
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. (OH)

There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX, ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXX XXXX  XXXX XXXX XXXX  ohio XXXX.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I have contacted Amazon prime store card and Im constantly redirected to Customer Service in XXXX. My credit card statement as required by federal law has only a minimum payment disclosure telling me how long it will take me to pay off my balance if I only make the minimum payment. 

This statement must also include the monthly payment needed to pay off my balance in 36 months and the total amount I will pay if I make that payment. This information is missing from the monthly statement. 

Attachment one is a screenshot of the actual monthly statement from Amazon prime store card.

Attachment two and three are the supporting documents for my request.
Consumer complaint received 2022-06-23
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: Sequium Asset Solutions, LLC (TX)

I am a federally protected consumer and a natural living person. I recently made a report in regards to a validation of debt to this company, " SEQUIUM ASSET SOLUTION '' and I now have new information. I am aware that SEQUIUM ASSET SOLUTION, is also violating my rights to privacy by reporting unfair and inaccurate information and not being in accordance with the FCRA as 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states information solely as to transactions or experiences between the consumer and SEQUIUM ASSET SOLUTION should be excluded from personal reports. I have also never given direct consent to SEQUIUM ASSET SOLUTION to furnish anything to my consumer report so they have no permissible purpose.
Consumer complaint received 2022-07-04
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 several unauthorized Inquires on my report I have already file this Issue with Identity theft.gov confirmation number XXXX. Especially with XXXX there is several. They had someone to hack their system a couple years ago. I dont know if someone hack their system again and did these inquires but they do not belong to me. I have no remembrances dealing with companies below. 

XXXX report Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX I also completed an Identity theft .gov confirmation number again XXXX Transunion Date of Inquiry 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also for XXXX which I left a complaint with Identity theft .gov to look into the following inquires that was not authorize by me XXXX  Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

XX/XX/2015 I changed cell phone carries, XXXX XXXX to XXXX XXXX. While in the XXXX store located XXXX XXXX XXXX, XXXX, MO XXXX. It was required for me to pay the FINAL BILL with XXXX XXXX if I wanted to open my new service with XXXX XXXX. This transaction was completed at the store. It was confirmed with me and my husband during the transaction all was well. XXXX received confirmation from XXXX and my new account with XXXX was opened and completed. A year later I started receiving threating mail and calls for me to pay {$1100.00} to XXXX XXXX. After several long wait times and transfers to various customer agents and their managers nothing was resolved. I proved to them the final bill was paid at the store because I could see the deduction from my checking account. 

My goal is to have funds refunded to me for the stress and embarassment to me for this ongoing issue and the hits to my credit report. This is making my score remain under XXXX and it causing me not to be able to move forward financially. Please assist with the refund and/or total restoration of my credit report having this account removed from my credit report.
Consumer complaint received 2022-07-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Did not consent to unauthorized inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-07
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (OH)

I contacted, American Express, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance within 30 days. American Express, received my request, XX/XX/XXXX. But, American Express, failed to respond to my request within 30 days under the Fair Collection Acts, and Ohio Revised Code. Please see the attached letter, and receipt.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (NV)

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on XXXX. As of today I have not received any response from Experian or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. Experian and XXXX have failed to respond in a timely manner to my requests and while I did receive a response from TransUnion, they did not resolve all of my issues.