davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (TX)

A newly opened veterinary hospitaXXXX XXXX my Emotional Support Animal ( ESA ) - an XXXX XXXX XXXX- through their incompetent medical care. To add insult to injury, the animal hospital, XXXX XXXX XXXX told me I owed them around {$1800.00}! Link below : XXXX XXXX XXXX  When I say " newly opened '', I'm referring to the recent acquisition of this animal hospital by a new national consolidator of animal healthcare, XXXX XXXX XXXX : Link below : XXXX XXXX XXXX When XXXX XXXX XXXX was acquired by XXXX XXXX XXXX, most of their excellent highly-skilled veterinarians and technicians left XXXX XXXX XXXX. What was left was an entirely new practice with new veterinarians who were XXXX XXXX XXXX employees. Their new " medical director '' needlessly XXXX  my Emotional Support Animal of over 11 years. Since I'm currently dealing with XXXX XXXX  and all that goes with treating my XXXX, I needed my ESA more than ever. I am XXXX  years of age. 

The new practice manager at XXXX XXXX XXXX, a XXXX XXXX XXXX employee, called me and told me I owed them {$1700.00}. I informed her that I would not pay them for XXXX my dog. She informed me she would escalate the matter to the appropriate management at XXXX XXXX XXXX. 

I heard nothing from XXXX XXXX XXXX or XXXX XXXX XXXX apart from the phone call referenced above in late XXXX of XXXX. I use a credit monitoring service, XXXX XXXX, that notifies me if any negative information shows up on my credit reports. 
On XX/XX/XXXX, I was notified by XXXX XXXX that the alleged debt in question was reported to the credit bureaus by a company called TEK-Collect, Link below : http : //www.tekcollect.com/Frontend/Content/Home The result of this reporting lowered my good credit score by around 70 points! Since battling XXXX is expensive, the last thing I need is for my credit to be damaged. In addition, the last thing I needed was some huge new corporate pet medical provider, XXXX XXXX XXXX to XXXX  my Emotional Support Animal through the incompetence of their new alleged medical providers. 

In summary : I do not believe this debt is fair in any way. Also, other than the phone call mentioned above I received in late XXXX of XXXX, I received no notice that the alleged debt would be turned over to TEK-Collect or any notice that the alleged debt would be reported to the credit bureaus. 

The resolution I seek. This is an invalid debt that was improperly reported to the credit bureaus. It should be expunged from my credit bureau records. I do not believe I should pay a new profit-over-pet vet care startup, XXXX XXXX  XXXX XXXX for killing my Emotional Support Animal when I need him the most while fighting XXXX. 

Thank you for considering this information. Please contact me if I may provide any additional information. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ever since XXXX XXXX and his team players learned how to hack Bank of America 's firewall, I've been having online banking issues and I haven't been able to have direct access to my real account online. I keep viewing fake, fraudulent accounts created by the XXXX ' group. 
For example, my balance today, XXXX, should be {$100.00} plus the credit from XXXX ( double billing ) {$40.00} ; and it's not. 

Then, on Friday, XXXX, when I received the refund from XXXX, my balance was {$250.00}. not {$420.00}. And later on that same day, when I made my deposit of {$170.00}, self earned money, my available balance was {$420.00} ( rounded. ) So, I don't know where {$590.00} came from. I'm convinced this is NOT my online account ; and I have no business viewing someone else 's account that's mimicking my real account. I'm entitled to my real, legit, legal, real time, online account. 

Who is causing this problem and why? What's the problem with me having " my '' real online account? 

Please have the bank return my real online account and disconnect me from XXXX ' XXXX XXXX fake account that gets tampered on a regular basis. 

Again, give me back my real account with the correct Available Balance. 

Thank You. 


XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (MS)

To Whom It May Concern : This letter is to inform you that the above referenced account ( XXXX being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : ( Delete this and insert detailed info about what is being disputed here Read Requirements of the consumer in a FCRA 623 dispute. Writing See Attached is not advised unless your attachment is fully explained here and then you write see attached for further details. ) If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (MD)

PHH Mortgage Service continues to delay the process for the underwriters to complete my Maryland Homeowners Assistant Program grant. I have called and written to them and they continue to delay the process. PHH has failed to include complete and accurate information concerning my loan. Including remediating my loan for the harm it has caused, including the problems it has created for my struggling situation. PHH continues to engage in significant and systemic misconduct at nearly every stage of the mortgage servicing process. PHH Mortgage breaks abusive acts or practices and other federal consumer financial laws. The attachment mortgage statement will show the errors of what PHH Mortgage is displaying as illegal act to the consumer.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX INQUIRY : XX/XX/2022 THIS INQUIRY WAS PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I AM WRITING TO DISPUTE THIS ITEM ON MY CREDIT REPORT THAT APPEARS TO BE INACCURATE; UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I HAVE THE RIGHT TO DISPUTE ANY INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS INCORRECT. 

ACCORDING TO MY RECORDS, THIS ITEM IS INCORRECT AND SHOULD NOT BE ON MY CREDIT REPORT.
Consumer complaint received 2023-06-14
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. (TX)

Despite my written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. These are the following accounts need to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNCOAST CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/XXXX To XXXX XXXX XXXX : XXXX XXXX This letter is to notify the management named as XXXX XXXX that your company placed and unauthorized inquiry on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

Sincerely, XXXX XXXX U.S. Postal Certified Mail Number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX 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 2023-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America fraudulently opened a checking account without my knowledge and without my consent. I tried to dispute with BOA in XX/XX/2023. They refused to close it. I filed a complaint with Consumer Finance after seeing that BOA opened accounts without authorization. It was soon determined that the bank account was illegally opened. I requested that this account be closed immediately. Today I received another bank statement in the mail from Bank of America. It's still opened even after Bank of America sent me a letter stating that after an investigation it's been determined the account was opened without my authorization and it was closed.
Consumer complaint received 2024-08-10
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2023 I am Writing this letter to report inaccuracy on my consumer reporting Chase Auto XXXX XXXX XXXX XXXX LA XXXX XXXX Account number : XXXX ( XXXX ) XXXX 15 U.S. Code 1681s-2 A person Shall not furnished 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 and it be removed IMMEDIATELY!!!
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

I received notification from XXXX on XX/XX/XXXX indicating that a collections account had been reported by Amsher Collection Services which negatively impacted my credit history. 

Amsher Collection Services reported a {$3700.00} balance and did not send written notification nor validation. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ].

As a direct result my credit score dropped by over XXXX points and went from exceptional to good. This is unacceptable and has prevented me from obtaining a loan for a vehicle I was in the process of purchasing. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2015-07-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PLS GROUP, INC (CA)

I applied for car title loan in XX/XX/XXXX, recently my car broke down and could afford to repair it and pay my monthly care payment I had previously paid it off in XXXX also paid off XXXX other title loans at this same location faithfully and on time. My car broke down XX/XX/XXXX my payments were due by XXXX of every month I explained I could not afford the care payments no more and would like to do a volunteer repo to what they told me is would be towed and auction off and what ever balance I had I wold make payments after they sold the vehicle since they refused to pick up the car by XXXX they extended my payout date till XX/XX/XXXX again I ask them to repo it without getting further late fees the refused the car was sitting there for a month I called pls on XX/XX/XXXX XXXX they told me they gp pick it up on XX/XX/XXXX they had me take the bus to where the car was so the manger can see it I told him it was n't working he said they will come pick it up tonight and repo will collect the keys no one came out On XX/XX/XXXX at XX/XX/XXXX I called the car still there I ask if they can please come pick it up no one return my call I am disable and pushing my self to keep going out there and seeing if the car was there the city might have taken it for abandment I repeatedly told them the care still there if they can pick it up I called pls on XX/XX/XXXX at XX/XX/XXXX told them please can they pick up the vehicle the city might tow it away then XX/XX/XXXX I finally did n't see the car they picked up the vehicle I longer saw the car I ask what the status was they never got back to me I called ON XX/XX/XXXX at XXXX I ask what 's the status on the car no ones called to pick up the keys and no letter confirming of it being towed or auctioned they told me a manger will be calling me back no ones called me back or voice message it going on for 3 almost three months since their pro longer this process and very stressful I just came out of the hospital on XX/XX/XXXX I tried to get of hold of them about the status and what my balance is or give me back my title and make payments
Consumer complaint received 2023-08-16
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. (TN)

After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX  I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXX XXXX XXXX to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..