davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I disputed these aligations with this company for a few months now. I've went about the situation the correct and diligent way ( following the FCRA Federal regulations ) to no avail my request was STILL not honored by this company who goes by the name " ARS '' Account Resolution Services. I was sent bills claiming that I owed three medical bills. Seeing how I've always had insurance I know indeed this debt was not actually mines. So, I disputed this account with the three credit bureaus ( XXXX XXXX, XXXX, and XXXX. Which came back quote on quote verified ... So I then sent this company ARS a verification letter according to the FCRA ( Fair Credit Reporting Act ) they had to provide a signed contract by me ( which they NEVER did ... I even offered to settle this with this company if they could provide me ANY substantial proof that this debt is and was indeed mines! Moral of the story they NEVER provided me ANY type of proof showing me ANY contract showing that I've received services from the company in which they represent.
Consumer complaint received 2024-10-21
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. (CA)

I originally applied for the XXXX XXXX XXXX XXXX in XXXX of XXXX  and everything went well. During the application process we disclosed everything regarding the current status of the house, family trust, financial situation, and additional information as requested by XXXX  before doing any type of hard credit pulls to avoid damaging my perfect credit. However, at the very end without any warning the loan processing team came up with a new issue which was never disclosed before the start of the application process. They were unable to approve the loan because there was a deceased person on the XXXX XXXX XXXX? This was obvious from the beginning and had been fully disclosed before allowing XXXX to pull my credit, since dad had passed away 3 years earlier and I together with mom we were the full Trustees and the house deed only had my name and moms on the official county recorders papers. I also had full power of attorney over everything so this was just weird and according to our family attorney made no sense since this was never disclosed by XXXX  before the loan process. The hard inquiry ended up lowering my score and so I asked XXXX due to the undisclosed issue and misleading us that they please remove the hard inquiry since it could have been avoided if they were more professional and transparent. I submitted their official form with everything well explained but they responded in their generic and usual unprofessional manner with no acknowledgment what their actions did to my credit.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (NY)

Hello, MT Bank has my mortgage account and they have been incorrectly reporting my balance to the credit bureaus. My current outstanding principal balance is {$300000.00} according to my statement, MTBank website and their customer service representative. MTBank reported to credit bureaus on XX/XX/2020 that my balance is {$310000.00} and on XX/XX/XXXX it has reported my balance as {$310000.00}. Please note that according to MTB statements and their customer reps my balance is still {$300000.00}. My credit score dropped by more than 10 points over this balance adjustments that are incorrect. I spoke to MTB rep in XXXX, who was very rude and told me that he doesn't know who is reposting this that I should file paperwork with XXXX. I did, and XXXX  came back to me saying that this is a correct amount according to lender. I spoke to MTB again in XXXX and was told to fax them my credit bureau information. I did it the same day and was promised to hear back by XX/XX/XXXX. Today is XX/XX/XXXX and I still haven't heard back from them! Also in comments on this account on XXXX  it says - " Student loan - payment deferred '', which is WRONG, it is not a student loan. I don't know who is doing this but they need to be retrained to not make mistakes on customers ' credit files. This is an unacceptable mishandling of my information and I expect it to be fixed immediately. Thank you
Consumer complaint received 2020-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (LA)

On XX/XX/2020 i paid XXXX XXXX {$310.00} and they said they would remove from my credit within 30 days. Sequium Asset Solutions has the account. On XX/XX/2020 the account shows paid but is still on my credit report when they said they will delete for payment
Consumer complaint received 2020-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have a outstanding child support collection on my transition credit report also on my XXXX credit report im no longer on child support and I was taken off and all my back was forgiven, I have XXXX in collections that Im not due to pay I submitted this same claim but on XXXX and it was removed.
Consumer complaint received 2020-06-19
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)

This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with the process. I already sent letters to Bureaus to inform this issue on XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (NJ)

My Name is XXXX XXXX XXXX. i live in XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXXSome one stole my identity and opened a credit card account with XXXX XXXX while he used my information using different address than my physical address. Accordingly, I received a court not by mail. The XXXX XXXX credit card company referred the case to a collection company. I called the collection agency to dispute the claim while the asked me to file a police report and file a complain using FTC.GOV.
Consumer complaint received 2022-07-18
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

Much of the earlier responses were inaccurate because I didn't have a great options. 

My complaint is against : Midland Credit MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX According to my recent credit report, they have pulled my credit 12 times between XX/XX/XXXX and XX/XX/XXXX. I believe this to be excessive, invasive, and also damaging to my credit. I owe them {$1200.00} from a XXXX XXXX  Account ( XXXX XXXX XXXX installment ). I am trying to repair my credit - about {$30000.00} in collections. They are the ONLY company to have pulled my credit more than once over this time frame. I owe XXXX  XXXX XXXX over {$15000.00} and XXXX  XXXX XXXX only pulled my credit once ( very fair ). 

If there is no limit on how often they can pull credit, I can understand. But this seems beyond excessive compared to every other company that I have business with.
Consumer complaint received 2020-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (FL)

This company is a scam. I purchased furniture in XXXX. Paid it off in 101 days. They removed my contract off XXXX so I couldnt access it. This company also keep stealing my credit info off of a visa website. This company also charge my XXXX XXXX  account with a name that dont even exists or related to the companys name.
Consumer complaint received 2022-07-14
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. (MI)

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : DEPT OF ED/XXXX - XXXX XXXX - DEPT OF EDXXXX - # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b. 
15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Account number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2022-09-16
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: Self Financial Inc. (KS)

I had contacted this company on a separate public forum regarding these fraudulent accounts, yet the response they gave me was less than adequate to say the least. 

I had a Secured Credit Card through them I got years ago, to which I paid off and left it be. This company is not only reporting that I have an outstanding balance of XXXX XXXXXXXX.which I dont..BUT is also stating and sticking by that I have numerous missed payments and the card was charged off.THIS IS COMPLETELY FRAUDULENT ON THEIR WND BECAUSE I HAD THE ENTIRE BALANCE PAID OFF AND NEVER USED IT AGAIN!!!! How would I have missed payments and a charge off with no balance??? If you look at all the other complaints on here you can see this is a normal occurrence for this fraudulent company.THEN THEY SAID I OPENED TWO other credit builder accounts months apart from each other WITH GUESS WHAT??? More late payments showing up.I NEVER OPENED UP NEW ACCOUNTS WITH THEM. I cant stand this company after what they did with my credit card so WHY WOJLD I OPEN NOT ONE BUT XXXXWO NEW ACCOUNTS WITH THEM.!??!!??!!? Then they tried to tell me they have proof that I opened them and that they were used in the vicinity of where I live????? What does that mean???? Someone near me couldnt steal information? And open up fraudulent accounts???? DELETE THESE FRAUDULENT ACCOUNTS IMMEDEIATELY AND PERMANENTLY AND REMOVE THE LATE PAYMENTS AND BALANCE FROM THE CREDIT CARD TRADELINE OR DELETE ALL THREE TRADELINES OF LITIGATION WILL COMMENCE! I am being advised by my attorney to give you all this last chance, I would take it if I were you or face legal reprucussions.!
Consumer complaint received 2020-06-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$3000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (OH)

I did not have a the opportunity to dispute the following accounts : ASSOC CREDIT SERVICES : XXXX XXXX XXXX  : XXXX Also, I have sent certified mail requesting validation of debt and method validation. 

This is response should have been delivered within 15 days and it have not.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted a credit dispute to all 3 Credit Bureaus and the debt listesd on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
CAPITAL ONE:XXXX - Fraud accounts
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

Americollect is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple americollect bills on my reports I am asking for full removal of all americollect collections from my credit report
Consumer complaint received 2020-07-16
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2024-10-23
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. (PA)

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, XXXX and Experian data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was told I would not be able to do so because of an account from XXXX/XXXX  reflecting badly on my credit report. This account does not belong to me ; I didn't even know it was on my credit report before today because I never opened it and I did not give anyone permission to open it in my name. I am not affiliated to that company in any way nor did I have any written/verbal contract with them. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made parents towards this account. I have already filed a police report regarding this unauthorized account. I have filed this report the best of my knowledge.
Consumer complaint received 2022-07-18
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 XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions