davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Service International Corp (FL)

My doctors office has been charging me for test 's that are not pre-discussed or explained. I have no idea what they are for. I was not advised of how much they would cost. I have no idea if I was actually given the test 's listed. 

The doctors office ( XXXX XXXX XXXX ) has been atrocious in communicating. In the last year these tests that were given... Prompted the doctors office to send me to the XXXX XXXX two times. 

Both times that I went to the XXXX XXXX, they did more tests and determined there was nothing wrong and they weren't sure why I would have been sent there. I have been billed over $ XXXX dollars. 

My doctors office holds no accountability. ZERO. 

The test 's that we are referring to currently are medical tests from XXXX of 2022. They sent me a bill, I contested the bill. I never heard anything back and they sent the bill to collections. 

I have worked for the last 2 years to pay everything on time in full. I have busted my XXXX to build my credit score up in the hope that someday I might be able to purchase a home. 

XXXX notified me through my monitoring program that I had an account in collections. When I looked at the debt, it is from XXXX XXXX XXXX. That is XXXX XXXX XXXX 's office. 
The company that has taken me to collections is Credit Service INTL CO. 

To my understanding the new laws made it so medical debt would not be put on collections for one year. That is/was an extension from 180 days. 

I have contacted XXXX, they were not aware of the rule and a dispute was filed. 

I would like this debt to be taken off of my credit report. I would like to know how the doctors office came up with these test fee 's and how and when I signed to approve these test 's, resulting in the fee 's and collections account on my credit report.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Consumer complaint received 2023-03-15
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: Resurgent Capital Services L.P. (IL)

XXXX XXXX I was Summons to court, being sued for a debt, the company Resurgent Receivables LLC claimed I owed. On XXXX XXXX a debt validation letter was sent certified mail. XXXX XXXX. I appeared in court, debt was not validated. on XXXX XXXX Resurgent Receivables LLC sent a letter by mail, still not providing the proper information as requested. XXXX XXXX I appeared in court case was dismissed, Motion To Dismiss Without Prejudice. This Collection still appear on my credit report. Please remove this inaccurate information as you are in violation.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (NC)

About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her BarClays Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that BarClays Card is damaging my credit report because XXXX and other companies are treating it as if it is a very old card that I took out or signed for many years ago. 

Months ago, I called BarClays to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their BarClays Card. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now. 

Ultimately, BarClays should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.
Consumer complaint received 2020-05-24
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. (CA)

New and situation getting worse. One account turned into three accounts. Inaccurate! This orginally showed 1 account with this company. Now three with different information. Inaccurate open date too. This account I have proof of open date orginal open date said XXXX now it all says XXXX. I never ever opened a government loan with this company in XXXX. Never signed a promissory note ever with them in XXXX with this company.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this information.
Consumer complaint received 2023-03-13
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: ENCORE CAPITAL GROUP INC. (PR)

15 USA 1681 Section 602 states I have the right to privacy 15 USA 1681 Section 694 A Section 2 it also states a consumer reporting Adency can not furnish a account without my written instructions 15 USA 1666B : A creditor May not treat a payment on a credit account under an open end consumer Credit plan as late for purpose
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$15000.00}.
Consumer complaint received 2022-07-28
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: CITIBANK, N.A. (GA)

Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

Someone sent me money on cashapp. When I tried to send the money to my bank account. I was told by cash app that they dont support that bank account ( XXXX business ). So I changed it to my XXXX  XXXX. I tried to send the money there. I was promoted by the app to enter a XXXX Pin. I never created a pin. I was never given a pin. I tried using the pin for the XXXX XXXX account. I friend ever 4 digit number I could think of. None of them worked. I tried to use the app to change the cash pin but it asks me for the old cash pin. Which I dont have. I contacted customer support through this process. I received an email from XXXX, XXXX, XXXX XXXX and XXXX. All from the same email address. XXXX Ive told them all the same information. And no one has helped. They cant reset my account. They cant give me a pin. Theres no way to speak with a human. Theres no way to close the account and have the money mailed in a check. Were in a pandemic and I need my money. The amount is {$250.00}. Ive emailed. Ive tweeted. I dont know what else to do.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am upset to have learned that my credit and personal information has been used for fraud and activities I have absolutely no knowledge of and I would like this to be situated as soon as possible. I am unable to get a credit card because it appears that I have had one when I didn't. Please aid me in removing these false accounts from my credit history.
Consumer complaint received 2019-05-17
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. (IL)

On XX/XX/2019 I requested validation and verification of a bankruptcy with XXXX XXXX that has been reporting to the credit bureaus. After 30 days I received a response from Equifax stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if XXXX XXXX verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how Equifax or XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc. (NC)

I called several times to the medical office and gave my insurance information to the hospital and the doctor had 6 months to file insurance and his company never filed the insurance on time thus XXXX XXXX XXXX XXXX refused to pay medical charges it was pass time to file. XXXX XXXX XXXX XXXX called the company and told them remove collections because it was not authorized.
Consumer complaint received 2022-09-10
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. (NJ)

XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/2022 XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/2022 XXXX XXXX  amount of {$690.00} reported on XX/XX/2022 XXXX XXXX  XXXX XXXX of {$3600.00} reported on XX/XX/2022 in accordance with the fair credit reporting act convergent 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 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: LEXISNEXIS (GA)

Company did not investigate my complaint about reporting a bankruptcy on my report. They advised that they sent me an email, however that is false. I checked my email and did not see an email from them for identifying me.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/2022 XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/2022 XXXX XXXX amount of {$690.00} reported on XX/XX/2022 XXXX XXXX XXXX amount of {$3600.00} reported on XX/XX/2022 in accordance with the fair credit reporting act 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this XXXX XXXX {$0.00} under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiableaccount.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

WE ARE VICTIM 'S OF CHECK WHITEWASHING. MY MOTHER WHO IS XXXX XXXX XXXX AND BESIDES HERSELF OVER THIS ORDEAL, WROTE OUT XXXX CHECKS - # XXXX AND # XXXX - FROM CHECKING ACCOUNT # XXXX - MAILED IN THE SAME ENVELOPE. MY NAME WAS ALSO LISTED AS ACCOUNT HOLDER ON THIS NOW CLOSED ACCOUNT. SOMEHOW THIS ENVELOPE WAS INTERCEPTED AND IT WAS REALIZED ON XX/XX/XXXX, FROM REVIEWING THE BANK STATEMENT THAT CHECK # XXXX WAS FRAUDULENTLY CHANGED TO A DIFFERENT NAME OTHER, NAMELY : XXXX XXXX AND CASHED IT IN THE CHANGED AMOUNT OF {$6800.00}. IT WAS ORIGINALLY MADE OUT TO " XXXX XXXX '' IN THE AMOUNT OF {$80.00} AS A DONATION TO HER PARISH. WE PUT A STOP PAYMENT ON THE SECOND CHECK BUT APPARENTLY, IT TOO WAS WHITEWASHED AND THERE WAS AN ATTEMPT MADE TO PAY OFF SOMEONE'S PARKING TICKET. 

ON XX/XX/XXXX, I CONTACTED CITIZENS BANK AND SPOKE TO XXXX XXXX TO INFORM HER AS TO DETAILS OF WHAT TRANSPIRED. SHE SAID SHE WOULD GET BACK TO ME ON IT. SINCE THEN, WE HAVE WRITTEN TO THE BANK, SPOKE TO SEVERAL EMPLOYEES AND FOLLOWED ALL OF THE BANK 'S REQUEST AND WAITED FOR RESOLUTION WE SEEK WHICH THEY ASSURED US OF. THEY BEGAN CHARGING FEES ANDD PENALTIES FOR OVERDRAWN CHECKING ACCOUNT, FOR WHICH WE LATER- WITH HAVING TO SPEND TIME AND ENERGY DEALING WITH NUMEROUS BANKING PERSONNEL - MANAGED TO GET REIMBURSED. THE LAST LETTER SAID THEY WOULD LOOK INTO AS IT USUALLY TAKES 6-8 WEEKS TO FOR A CLAIM TO BE RESOLVED, AND AS WE ARE APPROACHING ONE YEAR, WE STILL HAVEN'T HEARD BACK WITH A RESOLUTION SINCE ; THEY'VE ONLY PASSED THE BUCK ONTO XXXX XXXX XXXX AND WE HAVE NOT HEARD FROM THEM SINCE XX/XX/XXXX IN A LETTER RESPONDING TO MY XXXX COMPLAINT.
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (TN)

I received a letter in XX/XX/XXXX from Frost-Arnett Credit company stating I owed a total of {$2400.00} from XXXX XXXX XXXX. Before this account went into collections, I had asked to hospital to send me an itemized bill due to not knowing where my {$1700.00} payment, on top of my insurance, went. I received a summary of my treatment, but no specific dates my payments were made, no amounts of what my insurance paid, ect. I  wrote them back to dispute the collections asking to receive validation that I owed this debt on XX/XX/XXXX. I then stopped receiving calls. On XX/XX/XXXX, I received a letter stating that the agency was unable to verify the information requested and that they were to return the debt and cease collection of the account. On XX/XX/XXXX, I received another letter with the same account number stating I owed {$930.00} and that I had failed to respond to previous communication regarding my bill, and that I was to pay the amount owed.
Consumer complaint received 2023-03-15
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update or correct of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX