davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

Pursuant to 15 USC 1681 Section 602 it states I have a right to privacy.

Pursuant to 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 USC 1681A- Definitions ; Rules of Construction- Exclusion.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer in the person making the report ; To conclude, pursuant to 15 USC 1666b a creditor mean not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Solutions, Inc (NJ)

This is from XXXX and the amount us {$990.00} We have been receiving Bills and now collection notice from XXXX XXXX XXXX. 
I had gone for a regular physical and the doctor had ordered blood work. I had clearly told the XXXX XXXX XXXX, XXXX NJ XXXX ( XXXX  entity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send the blood work to XXXX XXXX the lab covered by my insurance. They did not send it to XXXX and instead did it at the XXXX XXXX XXXX and are now charging me for it. I am not responsible for their mistake. Especially when this should have gone to a lab covered by my insurance. 
I had reached out to them to inform of this mistake and they Lied to me saying it was send to XXXX. I checked with XXXX and there is no record of any bloodwork for me at that time. 
I sent XXXX XXXX another letter and asked them to correct this error. They did not get back to me and sent a collection notice date XXXX XXXX that I did not receive till XX/XX/XXXX. 
I would like your help in stopping this harassment by XXXX XXXX XXXX or trying to ruin my credit score for a bill that should not have been generated in the first place.

I tried calling Certified Credit and Collection and they disconnect the phone after saying they are helping other customers/. The File number is XXXX
Consumer complaint received 2022-11-25
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. (IL)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-25
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX has violated my rights XXXX U.S.C XXXX section XXXX A states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer reporting agency can not Furnish a account without my written instructions I Asked the Credit Bureaus to do a verification of everything on my credit report and they did they said everything on it is accurate on my credit report they stated it was accurate after they did there own investigation I Did a thorough research my self and I found out improper inaccurates on my credit report even after they did there research on this account thank you company name : XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX XXXX XXXX
Consumer complaint received 2022-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (TX)

Mariner finance sent me an unsolicited check in the mail. The terms were if you pay off within. 15 days there will be no interest. A manager told me I had 10 days, I paid off the loan in person with a cashier 's check. Now they are saying they never got the money and are reporting that I owe them along with interest. Mariner finance also entered a hard inquiry on my credit report as if I applied for a loan
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, the consumer sent dispute letters to all 3 CRAs ( XXXX, Equifax, & XXXX ). My reasoning and justification were to report and start an investigation into inaccurate reporting on a Closed/Cancelled charged-off account. After receiving a response from all 3 CRAs. I called Equifax to get an understanding of how these accuracies were verified. After their thorough investigation, it was explained to me that this account was accurate and verified. When explaining to them the impossibility of this, their statement was to call the creditor to ask for the deletion of the account. After explaining to the CRA that I have called multiple times and asked the creditor to receive accurate reporting and I explained to them the inaccurate reporting, the creditor denied my deletion request. The CRA wanted me to dispute the inaccuracies again but after further explanation ( I ) the consumer and CRA did not come to an understanding. I also have recordings of this conversation of admittance that they have been reporting wrongfully. Also, Equifax stated that their agent made a mistake in how to handle the dispute. I further explained that this mistake should not fall on the consumer as it is the responsibility of the CRAs. Once the consumer disputes what has been considered inaccurate that the investigation should show merit validity to the result. With these disputes of inaccuracies in my report, my XXXX XXXX and financial progress have been halted and taken their toll on my XXXX  due to the lack of a thorough investigation. Attached below are the documents sent to all 3 CRAs and an outline of the inaccuracies in the credit reporting in question. 
XXXX5 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Part 7 : Section 611. Procedure in Case of Disputed Accuracy If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : XXXX. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; and XXXX. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Consumer complaint received 2022-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CT)

I contacted the original account holder. They in return told me to contact the collection agency. I sent the collection agency the police report showing the phone was stolen in XX/XX/2021 when i suspended service. The collection Agency stated once they receive the police report they will take the collection off my account. I have been reaching out them them and have been getting the run around.
Consumer complaint received 2022-11-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

I recieved a new report on my consumer report from LOCKHART, MORRIS & MONT which damaged my credit from a old medical debt that I asked them to verifiy. XXXX XXXX XXXX is the original creditor but they sold this account three different times and I reported this to the credit bureaus because of inaccuracy of this account. 

From my understanding medical debt should not be reporting to my consumer report as of XX/XX/2022. Why was this allowed? This violated HIPPA laws and all. My information should have not been sold. It is confidential information. 
The amount is {$110.00} Account number is XXXX... 
Date status reported : XX/XX/2022
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (OH)

In XXXX of 2022 I opened an online bank account with Truist in hopes of building a relationship with the company. I have a small business and was hoping to utilize some of the products the company offers to help people like me. 

On XX/XX/2022 I received a notice of account closure. I called Truist customer service to inquire on the reasoning behind the closure and the representative informed me that it was for identity fraud. The rep then transferred me to the fraud department, who confirmed this reasoning, and proceeded to informed me that Truist is requiring me to enter a physical bank branch near me, with XXXX forms of identification, to reopen my account. The rep also informed me that there was no way I would be able to upload the required documents. 

When I opened the account initially in XXXX, I uploaded the required documents which in-turn led to Truist to accepting me as a member. Even going as far as letting me deposit money and sending me a debit card. If Truist suspects my identity as fraudulent, why didnt this bank flag me in the early application stages? 

Does Truist require all members to visit a local branch to verify identity? I live in XXXX, Ohio and the nearest branch is in XXXX, Ohio, XXXX miles away! What if I cant make it to the nearest branch? Whats the solution then? Close my account? I refuse to believe that with all the modern technology today, Truist Bank cant figure out a way to verify a new members identity without requiring them to come into a physical branch. I believe I am being wrongfully targeted and am being totally neglected by this companys policies and tactics.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I declare under penalty and perjury under the laws of the XXXX XXXX, if executed outside of the XXXX XXXX that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX XXXX to file this dispute. I also understand that knowing and willfull misstatements or omissions of material facts constitutes a XXXX XXXX XXXX punishable under 18 U.S.C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the XXXX
Consumer complaint received 2022-12-20
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)

Experian credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Experian has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Experian has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Chase explorer card Reference # XXXX Dispute denial after the XXXX XXXX XXXX  XXXX sent a letter stating they will honor the refund in the amount of XXXX chase explorer refuse to challenge the merchant with all the proof we have provided
Consumer complaint received 2022-11-25
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: AMERICAN EXPRESS COMPANY (GA)

My American Express XXXX XXXX preferred card got charged of {$19.00} premium rental car insurance on XX/XX/XXXX. I never enrolled into this program. I contacted Amex two times and customer rep agreed to refund but I haven't recieved the refund within expected timeframe.
Consumer complaint received 2022-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

SCA Collections is reporting the same collection account as SIX separate collection accounts. In Addition to their blatant disregard to credit reporting laws, they are also reporting a payment history on every duplicate collection account they are furnishing to XXXX. I am utterly appalled at the audacity of this company. They really are reporting the same collection account SIX TIMES. They are in clear violation of the FCRA 15 USC. And I am demanding they delete these fraudulent accounts immediately!! Failure to detele these accounts from my credit report will result in me seeking {$1000.00} per entry which totals to {$6000.00}. In addition to that, I will be seeking {$150.00} per violation of them reporting a payment history for these same accounts. They are defaming my name, they are negatively impacting my quality of life. And I will not sit idly by while they violate my consumer rights.
Consumer complaint received 2022-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

To whom this may concern, 3 of my hard enquiries on my credit reporting should not be there. During this period I had health insurance with XXXX when I gave birth to my daughter in 2020. 
One of the collections was paid to the initial company by my insurance and 8 months later they retracted this payment which then they sent it to collections. The other 2 never applied my insurance. Ive been dealing with the insurance for the last 2 years and everyone I speak to tell me there shouldnt be an issue as I had insurance the whole time with no issues and can not understand why it was retracted But say now its been too long I may struggle to get them to pay. It should not be my responsibility to pay these it should be my insurance company and I can never get through to a person that can honestly help me out. Ive filed a complaint, escalated the problem and made a claim and they all get thrown out because it was 2 years ago. Please find attached the proof of insurance paying and then retracting payment saying it was terminated and is now my responsibility. The insurance tells me my coverage never needed so they should pay it. 
In regards to 2 other collections I was unaware that the hospital didnt apply my insurance. I called the hospital recently and they said they also escalated and will try and reach out to my insurance however because I no longer use them as my current insurance due to this problem they may face problems due to the time frame. In regards to the first they retracted the payment so many months later it was then late the insurance said to file an appeal. 
Please also find attached all proof on my credit report. 2 from us anestesia and 1 from advanced obgyn.m that my insurance is responsible for paying for. This situation has caused so much upset and stress over the years and unfortunately I can not purchase a home. 
Any help in this matter is so greatly appreciated. 
Kind regards XXXX
Consumer complaint received 2022-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

I have attached Identity Theft Report and Police Report Two crimes happened : Cyber criminals took my info from XXXX, XXXX XXXX Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) Convergent sent me a letter on XX/XX/XXXX to collect a debt that does not belong to me nor have I ever stayed at the address that is on the bill they sent me via bill. 
The letter states that are trying to collect a debt that is owed to XXXX  XXXX XXXX. 
Convergent Account XXXX XXXX  I sent a debt validation letter dated XX/XX/XXXX A notice to dispute this fraudulent debt 1. Send me a original documents with my ( signature ) listed on it 2. According to Fair Debt Collection Practices Act I requested evidence in support of this claim 3. Providing a copy of all paperwork that show I agreed to pay what they say I owe 4.Provide a a verification or copy of any judgment 5. Prove the Statue of Limitations has not expired on this account 6. Show me that you are licensed to collect in my state 7. Provide me with their license number and Registered Agent or Agent of Service at this time I will also inform you that if their offices have reported invalidation information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by this company or the company that they represent, I will not hesitated to being legal action against you for the following : 1. Violation of the Fair Debt Collection Practices Act 2. Defamation of Character If they continue to report inaccurate information they are in violation of section 809 ( b ) of the FDCPA and FCRA rule 611 and subject to a fine of XXXX  per violation which I intend to pursue Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA I requested written verification of the debt with my SIGNATURE on it and they sent me a copy of someone's bill ( see attached document )