davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (NE)

I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I received and promptly paid an invoice from XXXX XXXX. After having paid that invoice, I received a separate bill from XXXX XXXX XXXX, XXXX. I was confused, because I believed I had paid my bill in full. I called XXXX to ask if I did have a balance, and they confirmed that I did not and that my account was paid in full. Additionally, the person I spoke with seemed to be unfamiliar with XXXX XXXX XXXX, PC. I ignored the bill because it seemed to be a scam ; a XXXX search for the company yielded vague results along with several people citing the company as being illegitimate. 
Then, on XX/XX/XXXX, more than a year after I went to the XXXX, a company named Kansas Counselors , Inc. ( KCI ) sent me an account balance for {$210.00} and is attempting to collect a debt. I do not know this company, and they did not provide me with enough information to verify that the debt is valid. This is the 2nd communication that I have had regarding this bill ; in spite of having 3 different phone numbers to contact me, my email address, and my mailing address, no attempt was made to collect after they sent the initial bill. 
I contacted XXXX XXXX in XXXX, XXXX, and all they could tell me was that their XXXX  providers bill separately. I asked why they did not tell me I would be receiving 2 bills, or why they weren't able to give me information about their billing practices when I called more than a year ago. They did not have an answer.
Consumer complaint received 2023-07-14
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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. (TX)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I sent write letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX on XX/XX/XXXX & XXXX for XXXX XXXX  on XX/XX/XXXX. 

They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. 

This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. 

These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.
Consumer complaint received 2023-08-06
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. (GA)

On the date of XX/XX/XXXX I submitted a dispute with Experian to remove XXXX account # XXXX from my credit report. They have not provided me a Certification of accuracy of information so they have deleted the whole account on XX/XX/XXXX. In the month of XX/XX/XXXX, I have reviewed my report. I have notice that this XXXX account has been Re-inserted on my Experian credit file. I have not recieved a written notification from the creditor. I have submitted another letter to them again with deleted proof to inform Experian that this deleted account has been re-inserted without written notification and they have remove this account once more. Around XX/XX/XXXX, I have reviewed my credit report and notice that this XXXX Account # XXXX has been re-inserted back on my Experian credit report again without written notification. I would lie this Account to be removed for good.
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (AZ)

I received XXXX letters with different account numbers from this collection agency stating that I oweXX/XX/XXXXmoney. I have never received any bills from XXXX and have always left a credit card on file with them. I had my wife place a call to this collection agency and it went to a personally messaged mail box. We then called XXXX and had them check our accounts with nothing pending found. Checking online we found numerous people complaining that this company attempts fake collections in XX/XX/XXXX name. I will turn these people over to every agency that I can find as I will not tolerate this sort of scam.
Consumer complaint received 2023-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (AZ)

Ended up in XXXX XXXX in Oregon in XXXX. They started billing me in XXXX, but they never billed my insurance company. I contacted them XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, they never billed ins, with each request. On XX/XX/23, I received a Final Notice letter. I contacted a lawyer on XX/XX/23. A letter was sent requesting they send me an itemized statement and bill my insurance. XXXX XXXX  did not respond. XX/XX/XXXX received a debt collector letter. I responded on XX/XX/23 that I disputed the debt because insurance hadn't been billed, nor had they responded to the attorneys request. 
On XX/XX/XXXX I received a phone call from the collection agency asking how I was going to pay this debt, again I told them XXXX XXXX had not completed their obligation to bill my insurance and I was told this would be going against my credit. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Collection : CMRE Financial Services XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-08-06
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. (MS)

I disputed late payment statuses being reported to the the CRAs by XXXX XXXX XXXX XXXX XXXX. I disputed with the creditors AND the CRAs by written letter on XX/XX/23, XX/XX/23, & XX/XX/23, and also electronically with the CFPB on date. I believe these account are STILL inaccurately reporting these late payments even after my numerous attempts to ensure the information on my report is being properly furnished. 

These accounts were marked verified by the creditor and bureaus. I was notified of results by letter and CFPB complaint results. 

Upon checking my recent credit report, I noticed something very alarming that needs to be brought to attention. Under the FCRA, I am entitled to accurate reporting at all times. 

On my most recent report, I am showing that both XXXX and XXXX XXXX have these accounts ' dispute statuses as " Account not Disputed, and are still reporting inaccuracies across bureaus. This is a very concerning inaccuracy as both companies and the bureaus stated they launched an investigation. 

I don't believe these accounts were properly investigated and verified. I no longer want another investigation. As a result of this improper investigation & my numerous attempts to ensure my information is being reported properly, I demand for these late payments be deleted promptly. These have been a hinderance, are inaccurate, and it is clear that these companies have not been complying to the FCRA laws as they are legally obliged to. They are untrustworthy even with my dispute processes to allow them to fix their errors. 

The CRAs are willingly furnishing inaccurate information following investigations. They are allowing these companies to be in non-compliance right along with themselves. They need to be held accountable. Please have this information removed immediately under the FCRA. Please send an updated report following these updates.
Consumer complaint received 2023-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of InquirXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXXXXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-07-14
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)

This is my NUMEROUS 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I paid off my XXXX XXXX  loan on XX/XX/2023. Approximately one week later, I called XXXX XXXX  to confirm that they had received the final payment and that I had a XXXX balance. I was informed by the customer service operator that they had received my final payment and that I did have a XXXX balance. I then requested a document on their letterhead to prove that I have a XXXX balance and that my account was paid in full. I was informed that XXXX could not accommodate my request, but I will receive a final statement that shows a XXXX balance, and I can use that as proof that my account has been paid in full. Approximately two to three weeks later, I did receive a statement from XXXX XXXX. The statement reflected my final payment and informed me that I had a XXXX balance and that a payment was not due. In XXXX of 2023, I ran my credit report from the big three reporting agencies so that I could review for errors. My credit reports reflected that I owe XXXX {$190.00}. I disputed this amount with the credit reporting agencies and provided supporting documentation. Upon completing the investigation, it was found that XXXX is reporting accurately despite having statements from XXXX informing me that I have a XXXX balance.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to report a potential fraud or swindle that I have recently experienced. Today, I received a debit card under the business name of XXXX XXXX XXXX XXXX, issued by Square XXXX. However, I am not associated with this business in any way, and I did not request or authorize this debit card. 

I believe this may be a case of identity theft or fraud, and I am concerned about the potential risks and consequences of this unauthorized activity. I have already reported this incident to Square XXXX and filed a police report, but I am also contacting your agency for additional support and guidance. 

I would appreciate any assistance or advice that you can offer in this matter. I am committed to taking all necessary steps to protect my identity and prevent further fraudulent activity. Please let me know what additional information or documentation you may need from me to proceed with an investigation. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance With the fair credit reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (VA)

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.

Delete these accounts immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Pendrick Capital Partners Holding, LLC (WA)

2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from XXXX stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a 100 dollar gift card to merchants like target. I did not speak with anyone. This is a scam company and please review the letter I have attached.
Consumer complaint received 2023-07-26
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. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

According to my credit report dated XX/XX/23, Self Financial Inc. has continued to leave negative marks on my credit report for an account that was originally current for over a year with no missed payments that i later closed as a an account that was current with no Miss payment more than a year. This conduct is in violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt ( 1692e ), and from designing, compiling, and furnishing any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ( 1692j ).
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-07-13
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. (GA)

Re : Dispute of Incorrect Information on Credit Report As my second attempt for resolution as your recent response to my request for reinvestigation left me alarmed. Your vague response was that the aforementioned accounts were " updated ''. However, According to FCRA 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ), your agency is suppose to provide and/or source of the information to which deemed this result. You did not comply with this law and thus, I am writing to again dispute as I am in the process of purchasing my first home. These fraudulent items are causing adverse actions hindering me from moving forward. The following fraudulent accounts on my credit report that I have recently become aware of. The accounts in question are : Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX ... 

Account name XXXX XXXX XXXX XXXX Account number XXXX. 

I have no knowledge or record of this account sand I believe this represents a mistake on the report 1 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v gravens ( mo ) 281 sw 715,719, i presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists The FCRA, under its purpose and intent in Section 1681 ( previously Section 602 ), was enacted to protect the privacy of consumers, and I believe this has been violated in my case.

Furthermore, under FCRA Section 604, " Permissible purposes of consumer reports '' ( 15 U.S.C. 1681b ), a consumer reporting agency is allowed to furnish a report only under certain circumstances, which I believe have not been met in my situation.

Therefore, I respectfully request that you promptly investigate this matter and, if my complaint is found to be justified, promptly delete the disputed item from my credit report.

In addition, I request copies of the documentation verifying the debt and the identity of the original creditor, in accordance with Section 609 ( 15 U.S.C. 1681g ).

Please acknowledge receipt of this letter and inform me of the results of your investigation.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

I paid off my XXXX XXXX  loan on XX/XX/2023. Approximately one week later, I called XXXX XXXX to confirm that they had received the final payment and that I had a XXXX balance. I was informed by the customer service operator that they had received my final payment and that I did have a XXXX balance. I then requested a document on their letterhead to prove that I have a XXXX balance and that my account was paid in full. I was informed that XXXX could not accommodate my request, but I will receive a final statement that shows a XXXX balance, and I can use that as proof that my account has been paid in full. Approximately two to three weeks later, I did receive a statement from XXXX XXXX. The statement reflected my final payment and informed me that I had a XXXX balance and that a payment was not due. In XXXX of 2023, I ran my credit report from the big three reporting agencies so that I could review for errors. My credit reports reflected that I owe XXXX {$190.00}. I disputed this amount with the credit reporting agencies and provided supporting documentation. Upon completing the investigation, it was found that XXXX is reporting accurately despite having statements from XXXX informing me that I have a XXXX balance.