davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc. (WA)

On or about XX/XX/2023, I received a letter from Audit & Adjustment Company , Inc. stating that I owed two medical bills to XXXX XXXX. The debts was sent to collections because my insurance had not been properly recorded at the time of billing. I contacted the debt collector and informed them that I would be in touch with XXXX with my updated insurance information. My insurance benefits paid XXXX on XX/XX/2023. I then received a call on XX/XX/2023 from someone claiming to be with the Audit & Adjustment Company , Inc. I informed them that my insurance had paid on the bills, but that I would need to call later to discuss details. I made an effort to call Audit & Adjustment Company , Inc. back on XX/XX/2023, at XXXX PST. I spoke with someone named " XXXX. '' XXXX falsely claimed that she worked at XXXX, misleading me as to who I was speaking with. She falsely claimed that XXXX did not have any record of my insurance benefits paying the bills. After insisting that she work for XXXX, XXXX insisted that she needed me to specify my insurance benefit payments in order to " credit '' my XXXX account. I asked XXXX why, if she worked for XXXX, she did not have access to my insurance payment history as outlined in my explanation of benefits. XXXX responded by informing me that I was required to give her that information myself in order to credit the payment. I became wary, feeling misled and deceived. XXXX told me that she would " note my refusal '' in my file, making me feel uneasy and like I'd done something wrong. I promptly called XXXX and they confirmed that they did receive my insurance 's payments for both bills, and that XXXX does not in fact work for XXXX. XXXX gave me a reference number regarding their attempt to relay the updated insurance information to Audit & Adjustment Company , Inc., so I called Audit & Adjustment Company , Inc. back with that information. I spoke with someone and they confirmed that XXXX did not work at XXXX, and that they would take steps to square away my account. 

Claims : Audit and Adjustment Company , Inc. 's employee XXXX engaged in false, deceptive, and misleading representations and engaged in false, deceptive, and misleading collection means when she : ( 1 ) claimed she worked at XXXX and used XXXX 's name to identify herself rather than Audit & Adjustment Company ; ( 2 ) told me XXXX had no record of receiving payment from my insurance ; ( 3 ) claimed that I was required to provide her my explanation of benefits and insurance payment information in order for the payment to credit my account with XXXX  ; ( 4 ) told me that declining to provide certain personal information, including my personal insurance information, resulted in a " refusal '' to be recorded in my file.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an account history mailed from Bank of America on XX/XX/XXXX, showing my original loan amount as {$48000.00} and the Maturity Date as XX/XX/XXXX. As of XX/XX/XXXX, Bank of America has received {$42000.00} in interest. The total interest Bank of America was to receive was only {$37000.00}. When I called Bank of America in XX/XX/XXXX, I was told I owed an extra {$4900.00} in interest because of a balloon payment for the 4 loan extensions totaling 5 months. I asked Bank of America if I could make payments to this alleged balloon payment, but Bank of America said I had to pay it in whole or I would be in default. I have no knowledge of a balloon payment, and it was never talked about or in the agreed contract I signed that I am aware of. Bank of America applied 9 months of payments strictly to interest when our agreement only allows them to do this if I was late or missed a payment, which was never before XX/XX/XXXX, according to my credit report. I contacted Bank of America on XX/XX/XXXX, to try to resolve this issue. I was transferred to management, where I was hung up on while trying to explain the evidence in front of me at the time and have Bank of America show me where in our contract it stated that I would have to owe a balloon payment. Since I was hung up on, I referred to writing Bank of America by sending them a letter on XX/XX/XXXX, in which they responded that my letter was without merit. On XX/XX/XXXX, I sent Bank of America another letter specific to our loan agreement that shows that I should not owe anything on the loan and that our contract was fulfilled in XX/XX/XXXX, to which Bank of America never replied. Bank of America wrote a letter dated XX/XX/XXXX, stating that I was in default and that Bank of America would repossess the collateral if I did not pay {$4600.00} by XX/XX/XXXX. Bank of America is trying to collect more than they were owed without sending any justification and breaching our agreed-upon contract. I was unfairly tricked into a loan extension by misrepresentation from Bank of America.
Consumer complaint received 2023-06-10
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. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

When I purchased my vehicle it was converted from a lease through the dealership to a loan through US Bank. At that time, they sent me paperwork to transfer the the title and a check to cover the taxes. That paperwork at that time would have moved the title holder from XXXX to US Bank. This occurred in XXXX, the entire issue started due to the DMV being shut down in California/COVID protocols ... I could not make a appointment to transfer the title as everything was exclusively being handled online and you could not make payment via the Internet with a physically check. I repeatedly called US Bank and offered different scenarios for resolution ( connect to my PC and submit payment, web address for them to direct pay, send me a check in my name and I will pay ) but each time it was denied. US Bank asked after 90 days if I was unable to secure a date in person with the DMV to send the title and check back to them, which is what I did. Fast forward to XXXX, I pay off my loan ( vehicle now legally mine ) and I call to inquire about the timing of my title, they tell me wait 10 days and it will arrive, it never does. I call back XXXX and they tell me that they lost the title and they are not sure what they are going to do, ultimately US Bank escalates it a Division of theirs call XXXX which handles these types of issues. At this point US Bank sends me paperwork that I must get notarized at my expense to move the title from the original dealer to US Bank, from there they will handle the rest ( I have the documents if needed ), so I do and send them back. I am then told that they can bi-pass all that and send me new paperwork and and a check to move it directly into my name. The issues as it stands now, the DMV has imposed late penalties because US Bank did not properly transfer the title into their possession and US Bank no longer is willing to acknowledge my emails, calls or request to address this. 
Open issues are : Vehicle purchased in XXXX- still do not have my title. 
{$650.00} difference from what the DMV is requesting and what US Bank check is. 
I am unable to register my vehicle ( due in XXXX ) as they have a lean on my car. 
I have 43 attempts at contact with US Bank, no resolution.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as it was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2015.
Consumer complaint received 2024-08-28
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. (NY)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2022-09-22
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (VA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

EXPERIAN : 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 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 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 2022-08-22
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: Upgrade, Inc. (OH)

Someone took a loan out in my name then the company that the loan was with hacked into my checking account and tried to take money out of my bank account This was all without my permission I did not apply for the loan did not give anyone permission to get into my checking account and take money out
Consumer complaint received 2022-04-24
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. (CA)

In accordiance with the Fair Credit Reporting act. The list of accounts below has violated my federally proected rights to privacy and confidentially under 16 USC 1681. 

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

15 U.S.C section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 advertised item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

Accounts XXXX XXXXXXXX : Inquiry Date XX/XX/2022 XXXX Inquiry Date : Inquiry Date XX/XX/2022 XXXX XXXX : Inquiry Date XX/XX/2022 XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (ME)

I have had an abysmal experience with the Goldman Sachs Apple Card. I have always paid my bill in full and on time. Last month, through no fault of mine, the payment showed up late, because of the way my bank sent it. I called both GS Apple Card and my bank to try to trace the check, and when it still hadn't shown up two days after it was due. I had my bank issue a stop payment on the check and paid my balance in full through a direct payment from my bank that day. The customer service reps with whom I spoke at GS told me that because this was a fluke and not my fault they were waiving the interest, and the two months of interest that is part of their policy if you are late on a payment. ( Apparently, you have to make two months of full payments on time for them to stop charging you interest following a late payment. ) I thought everything was settled satisfactorily after that phone call. And then a week later, I see an interest charge in the amount of {$26.00}. I called GS on XXXX XXXX and was told that interest charge would be taken care of and that it was a mistake. I waited 48 hours and saw it was still there. When I called again today ( XX/XX/11 ), I was told the interest charge did seem odd and that they would look into it, but that I would still be responsible for the two months of interest.

I told them I had been told differently and that I thought this was unfair, given my impeccable credit history with them and in general. They wouldn't budge, so I said I would like to cancel the card. They offered to put a dispute in regarding the interest charge, but again said they couldn't waive the two months of interest. When I asked if I would continue to accrue interest while I waited for the dispute to be resolved, I was told yes. I replied that I would rather just close the account and pay off the balance today. 

They closed the account, and when I went to make a final payment, the Apple Card app ( through Apple wallet ) wouldn't allow me to pay the full amount. I called them back and asked why I couldn't pay, and I was told I couldn't pay through the app at all ( not true ) and that I would have to pay through bill pay or with another credit card. I hung up, paid as much as I could through the app and scheduled a bill pay payment for the rest through my bank to be delivered tomorrow. 

Granted that this whole experience is only costing me about {$30.00}, I do want to share my disappointment in their policy ( which feels predatory ) and in their customer service staff who were all very nice, but told me different things each time I called. 

Thank you for your time.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX