davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc. (CA)

On XXXX, my adult, married daughter with Tri-Care insurance went to XXXX XXXX XXXX XXXX for treatment. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PH # XXXX ) The admitting nurse input her information, which was not completely correct, and incorrectly added my name as a financially responsible party. I was not there that day, nor did I sign any paperwork accepting responsibility for payment. Her insurance, XXXX, paid the entire bill. Because the admitting paperwork was wrong, my name was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX for payment of {$80.00} and {$100.00} for services given to my adult daughter on that day, XXXX. XXXX XXXX XXXX XXXX XXXX  ( XXXX ) never sent me a single bill or notice alerting me to this error. Instead, they waited nearly a year and sent my name directly to their collection company, RadiologyBill. ( XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX ). Again, this bill, which is not mine, was paid in full by my daughters insurance, XXXX. Last Friday, XX/XX/year>, I received a letter of Collection demanding payment of {$180.00} from RadiologyBill. This is the first time I heard anything about any of this. I called the collector and said, this is not my bill. They gave me my daughters name and date of service and said, there's nothing we can do, only the hospital or the XXXX XXXX XXXX XXXXXXXX XXXX XXXX can fix this error. My daughter and I went to XXXX XXXX XXXX XXXX where the treatment took place and discovered that the admitting nurse made several errors including adding my name, XXXX XXXX, to the account ( also a HIPPA violation ) for payment. We were referred to the Director/Superintendant of XXXX  Nursing at the hospital who said, Its not our problem and there was nothing we can do. I had to hound her to get the phone number to XXXX XXXX XXXX XXXX XXXX. I called the radiology billing department and they never answer their phones. I had to leave several messages and my phone number to get a call back to talk to anyone and so far they have been unwilling/incapable of fixing this problem. Their response, Its not our problem because this has already been sent to collections. I asked to speak with a supervisor and was told no and that someone would call me back. So far, I have had no success talking to anyone, including any supervisor as requested, at XXXX XXXX XXXX XXXX billing department. I just keep leaving call back messages with my phone number. Meanwhile, I have filed a dispute electronically at www.radbills.com/dispute with the collection company and have received no confirmation number, no confirmation email and no response. There seems to be no accountability and no recourse. Aside from getting an attorney involved, how can I clear my name?
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SD)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : XXXX XXXX COLLECTIONS opened on XX/XX/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 Incorrect name : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : 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 XXXXXXXX XXXX Incorrect name : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

I called the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX they indicated they would send me an email with the information but only sent me a payment link XX/XX/XXXX - They said they would mail the information XX/XX/XXXX they indicated they would put the account on hold while they obtained the information, but they continued to text me XX/XX/XXXX I asked to speak to a supervisor. He indicated that they had expedited the request and would get back to me by next week. 

They have continued to report the debt on my credit reports and contact me for collections even though they have been unable to support the debt. The Date of birth they have associated with the account is my Ex 's and not mine and the address they were sending notices to was also my ex 's. I have not ever gone to XXXX urgent care and the address and DOB are not mine. It is possible it is for my daughter, but I am not willing to pay for a bill that I have not seen with no supporting information.
Consumer complaint received 2024-10-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I have a {$200.00} American Express gift card. American Express says I can use this card wherever AMEX is accepted, however, I have tried multiple online and in-store options -- this card isn't accepted anywhere. So I have {$200.00} on this card that is impossible to use -- to make things worse, AMEX refuses to tell me the list of stores where it's accepted.
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MS)

I file on XX/XX/year> two cases against schools that was now closed and misleading school. I have not received any information from my federal student aid server NELNET. I am requesting all of the the federal student loans be taken off my credit report. The schools that are closed needs to be deleted off my credit report and canceled from my student loan report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. 
XXXX XXXX XXXX XXXX Balance {$55.00} XXXX XXXX Balance {$450.00} XXXX XXXX Balance {$0.00} - XXXX  XXXX XXXX Balance {$680.00} XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$1200.00} XXXX XXXX  XXXX Balance {$17000.00} XXXX  XXXX XXXX Balance {$140.00} XXXX XXXX XXXX Balance {$220.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$110.00} XXXX  XXXX XXXX Balance {$68.00} XXXX  XXXX XXXX Balance {$180.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WA)

I got my license for XXXX XXXX in XXXX of XXXX and was signed up with this company incorrectly. I logged into XXXX and paid a {$15.00} fee on XX/XX/XXXX. I had to sign up for training with XXXX to move to the XXXX XXXX XXXX side of things and should not have ever signed up for XXXX. As a XXXX XXXX XXXX XXXX you are not allowed to have access to XXXX so, I figured the account would close and all would be good. XXXX sent me to collections for {$200.00} for a system I do not use and can not use. I will not pay this amount to them because I should have never been signed up for the service. I will also not pay for a system I will never use. I have contacted them in regards to this and they have stated I need to pay them even if I never needed the service which is a violation of my rights. XXXX is voluntary and I am not volunteering for this.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (GA)

DATE : XX/XX/2024 RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY.

THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR.

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX  : XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE.

I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NY)

I hope this email finds you well. My name is XXXX XXXX, and I am currently working with Wells Fargo to receive the title for my vehicle in order to complete the registration process in New York State. As you may be aware, New York law requires vehicle owners to transfer titles and register vehicles within 30 days of establishing residency in the state.

However, I have been informed that the release of my title will take 30 business days, which exceeds the legal time frame I must adhere to for registration. I am concerned that this delay may result in unintended non-compliance with DMV regulations, along with potential penalties.

I kindly request the following to help me stay in compliance : Expedited processing of my vehicles title, if possible.

A written statement confirming the reason for the delay, which I can provide to the New York DMV as documentation.

I understand that since my loan is still active, the title is held by Wells Fargo under a lien. To comply with New York State registration requirements, I kindly request a written statement confirming the lien and the status of the title, which I can present to the DMV.

Your assistance in resolving this matter promptly would be greatly appreciated. Please let me know if additional information or documentation is required from my side to facilitate the process.

Thank you very much for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Issue : XXXX XXXX is reporting a charge-off ( CO ) on my credit report every month, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score.

Law : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
Metro 2 Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
Violations : XXXX XXXX reported a CO in XXXX and again in XXXX, without a change in the status of the debt. 
XXXX XXXX failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my credit score Emotional distress Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : XXXX XXXX 's reporting of CO every month without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX accountable for their actions.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : XXXX- Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX XXXX Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX Incorrect name : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-29
Product: Credit reporting 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. (NY)

Hello, my name is XXXX XXXX XXXX and i am personally composing this complaint. Transunion credit bureau is reporting inaccurate inquiries to my credit report. I have complained several times and called several times and was placed on hold for hours every time that i call. They do not respect me and it is making me depressed. These negative inquiries are making my profile poor. PLEASE HELP me, i really need help with this issue. Inquiries Below XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024