davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

Representative XXXX XXXX from Grant & Weber collections was repetitively mailing me and when speaking to me on the phone made abusive statements. XXXX XXXX used phrases like, " Only criminals don't pay, '' and " Anyone who owes money knows what they did wrong. '' Grant & Weber began mailing me around XX/XX/2019 claiming that I owed {$990.00} in medical bills from XXXX XXXX. I contacted my insurance at the time, XXXX XXXX XXXX and they confirmed with me that the services were covered and they would pay the bill. They then contacted Grant & Weber to inform them to stop harassing me and stop contacting me. 

I then had to call XXXX XXXX again in a month to verify the bill had been paid. I again received the same aggressive and abusive tone, and XXXX XXXX implied that this bill would ruin my credit. I made a complaint about this. 

I am now looking at a recent copy of my credit report and this collection from Grant & Weber is still here, even though it was confirmed as fully paid. I believe I am being retaliated against by Grant & Weber for filing complaints. I feel like my rights are being violated and illegal collections are being imposed on me.
Consumer complaint received 2020-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (GA)

This company stated that if I made a payment of {$4000.00} by XX/XX/XXXX that upon receipt of the payment for a vehicle that a company that XXXX XXXX XXXX repossessed wrongfully when I was on military orders to move from XXXX  to XXXX  XXXX  to to report on XX/XX/XXXX. XXXX XXXX XXXX repossessed the vehicle on a day before my military payday and falsely stated the payments were XXXX days late though it was only about 30 days late which would have been cured with my initial paycheck after Permanent Change of Station to the the military base. This new company Flagship Credit Acceptance LLC apparently acquired XXXX XXXX through some sort of sell off or company 's bankruptcy, that they would consider my account settled and that I would be released from any further obligations. They also stated on this letter to my lawyer on my behalf that they, the company Flagship Credit Acceptance LLC, will report the account as settled in full for less than the full balance to credit reporting agencies to which it furnishes account information. This letter to my attorney was dated on XX/XX/XXXX. On XX/XX/XXXX I paid in full the balance of {$4000.00} by the money gram for which the company acknowledged. The initial balance for which I was settling in full for less than full balance was {$9900.00}. On XX/XX/XXXX I received notification from the credit reporting agencies that on XX/XX/XXXX that Flagship Acceptance LLC reported that I still owe a Balance of {$5900.00}, and that there is a Past Due Balance of {$5900.00}, and that the account status is " Charge off/Unpaid collection '' instead of " settled in full for less than full balance ''
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (SD)

Upon checking my credit report on XX/XX/XXXX, I noticed information for THE BUREAUS in the amount of {$830.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.
Consumer complaint received 2021-08-12
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: Go Capital Holdings, LLC (IN)

Pursuant to 15 usc 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 usc 1602i means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor pursuant to Title 15 usc 1602g. Pursuant to 1681b ( a ) ( 2 ) I have not provided expressed written consent for any of these items to be furnished on my report. You do not have permissible purpose to furnish these items. I demand pursuant to 15 U.S.C. 1681a ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), & amp ; 15 U.S.C. 1692g that the following transactions : GO FINANCIAL Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX  Inquired on XX/XX/2021 XXXX  XXXX XXXX Inquired on XXXX  XXXX, 2021 be removed from my credit report immediately as you are violating my rights as a federally protected consumer under title 15 chapter 41. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the below actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4 ) Violations of 15 U.S.C. 1681a 5 ) Violations of 15 U.S.C. 1681b
Consumer complaint received 2020-10-09
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. (NY)

To whom it may concern, I have noticed there has been some fraud activity on my account. The following hard inquiry requests I have never authorized and there was theft on my account back in XXXX which is known by all three credit agencies but for some reason it is still appearing on my report and a few new ones just same up this year. I will post the pictures of the inaccurate ones and ask for them to be removed as they were never approved/authorized by me. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Just want my credit score to be accurate. Any help will be truly appreciated thank you very much. I had contacted XXXX early in XXXX and nothing has been done when there customer service rep had said everything will be removed since they see I didn't authorize it.
Consumer complaint received 2020-10-09
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. (TN)

I sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. 

Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

We initiated a transaction on {$160.00} from our XXXX account on XX/XX/XXXX to pay our XXXX credit card bill. XXXX shows our account being charged {$160.00} on XX/XX/XXXX. XXXX informs us that the payment was not received until XX/XX/XXXX ( 13 days after initiation ) and as a result charged us a {$30.00} late fee and {$5.00} interest fee. We contacted XXXX who agreed to waive the {$30.00} late fee but they then escalated us to a manager before finally agreeing to refund the {$5.00} of interest. They asked, and of course I didn't know, whether the payment was made from chase as a paper check or electronically and advised me next time to pay by phone. I then contacted XXXX to determine whether bill pay would be reliable for us going forward. With plenty of hold time in between, XXXX customer service transferred me to disputes who transferred me back to customer service who transferred me to the " quick-pay team ''. This team told me that the check was cashed by XXXX on XX/XX/XXXX. When I asked XXXX why a paper check was sent, XXXX said that they payee requires paper checks. 

I am frustrated with XXXX who charged me fees for a digital payment supposedly being just a day or two late ( they said they saw it in their system as of XX/XX/XXXX ). I'm frustrated that XXXX is apparently not able to live up to the " 5 day '' claim of paper check payments ( let alone the XXXX days they say an electronic payment takes ) and that they are not interested in taking accountability or even investigating on their end. XXXX is not interested in working with XXXX to resolve this dispute. They did generate for me a proof of payment.
Consumer complaint received 2020-10-09
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. (OH)

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX  XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts
Consumer complaint received 2022-06-13
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. (NC)

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. 
XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2022-07-28
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (OH)

Account : SUNRISE CREDIT SERVICES # XXXX I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Original instrument of indebtedness
Consumer complaint received 2023-01-28
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. (TX)

I am in total disagreement with the investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX Citi Bank, XXXX XXXX, XXXX Citi Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (NJ)

IC Systems added a collection account to my credit XXXX XXXX from the original creditor XXXX XXXX. The dates on my account have been re-aged and are therefore illegal. It shows the account was opened XX/XX/XXXX for a term of 1 month and my balance was past due as of XXXX XXXX XXXX This account was opened back in XXXX with XXXX XXXX as The original creditor and XXXX was XX/XX/XXXX.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Capital One, XXXX XXXX   XXXX XXXX XXXX, CaptialOne XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Capital One, XXXX Capital One, XXXX Capital One ( XXXX  XXXX XXXX Capital One, XXXX, XXXX Capital One ( XXXX  XXXX
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NJ)

On XX/XX/2020 I called the Eppicard customer service line to check my balance. My balance was significantly lower than usual. I called to speak with the fraud department and filed a claim. They told me they would stop my card & send me some forms to fill out to claim fraud. I had 10 days from my claim to send the paperwork back. I received the paperwork XX/XX/XXXX, but I could not finish filling it out until the XXXX when I received my card and was able to create an account to log in and get the other fraud charges off my statement. 

I attempted to fax the paperwork to the number provided multiple times on XX/XX/XXXX but the line was always busy and the fax would not go through. 
I tried every time I went to work until it finally went through on XX/XX/XXXX. 

I called to check the status of my case and they gave me a date of XX/XX/XXXX they would have a resolution. It is now XX/XX/XXXX and they have yet to give me an answer, they can only tell me the case is still pending.
Consumer complaint received 2024-12-07
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/year> around XXXX XXXX  EST i attempted to create an account with Transunion to dispute numerous incorrect information on my credit report. After completing the verification of identity, the site tried to make me purchase a subscription to be able too get an account with them to dispute it. This is in direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Hello, I had signed up for credit repair services with Lexington Law in XXXX and continued in XXXX, however, their results were not very successful and I had paid quite a bit of money from the time they started charging me till I terminated the service in XXXX. 

Today, my credit report is nowhere any better than what it was 2 or 3 years ago and their effort did not translate into any success and was very slow to remove any discrepancies and inaccuracies on my credit report. In fact, I have to engage a new service provider as they have to now clean up the mistakes and find areas that Lexintong Law neglected. Their approach is to keep the customer signed up for a long time, but acting on negative items one bureau at a time so it takes longer to clean up the report, and the customer continues to pay monthly service fee..It is one thing to keep paying the fees as long as the results are there to show, but this company did marginal work and charged very high fees to what I can pay now someone else for doing the same amount of work.. 

I am very disappointed that they are able to get away with this type of practice for sub-marginal work and consumers do not know any better and are looped into their approach. I believe there was a class-action lawsuit against them for unfair business practices and gouging people with high prices.
Consumer complaint received 2020-10-09
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)

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.
Consumer complaint received 2022-06-30
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. (FL)

To Whom It May Concern : I submitted a dispute to Experian on XX/XX/XXXX. On XX/XX/XXXX I received an email stated the account was verified. 



The Credit Bureau stated the account was properly investigated, but how is that possible if the Last Reported Date is XX/XX/XXXX. But then the Date Last Active is XX/XX/XXXX Date of Last Payment is XX/XX/XXXX. And the Payment History is reporting payments far past Dates of Last Reported and Last Active. On top of that, I've never done business with XXXX XXXX, never gave them my consent to open any accounts or report on my credit reports. These are all grounds for removal. They have also violated my rights under 15 U.S.C Section 168li ( a ), if proof is not provided, the account must be deleted.

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 : which states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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