davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation (SC)

XXXX RECEIVABLES MGMT CORP XXXX {$4500.00} Balance updated. 
XX/XX/year> I am filing a complaint regarding unauthorized reporting of a medical debt on my credit report which does not belong to me and constitutes a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPPA ) and Fair Credit Report Act ( FCRA ) On XX/XX/year>, I discovered that Receivables MGMT CORP reported a hospital bill to the credit bureaus ( XXXX, XXXX, and XXXX ) in the amount of {$4500.00} from XXXX XXXX XXXX XXXX. I have never received any medical services from this hospital, and this debt does not belong to me. 

Upon further investigation, I believe that the reporting of this hospital bill violates HIPAA, as the disclosure of my protected health information ( PHI ) to the credit reporting agencies was done without my authorization. Additionally, this incorrect information has negatively impacted my credit score, causing unnecessary financial harm.

Violation of HIPAA : According to 45 CFR 164.502, covered entities, including healthcare providers and their business associates, must obtain patient consent before disclosing PHI, including information related to medical debts. The improper sharing of my PHI to credit bureaus, especially for a debt that is not mine, constitutes a clear violation of HIPAA 's privacy provisions.
Consumer complaint received 2024-10-09
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: SANTANDER HOLDINGS USA, INC. (SC)

XXXX, XXXX, and XXXX have my Santander Consumer USA account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under XXXX. 

Date : XX/XX/XXXX Amount : {$15000.00}
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Current Creditor : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX. Re : XXXX XXXX XXXX. Original Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt associated with the above-referenced account number, which was previously held with XXXX XXXX XXXXXXXX XXXX and has since been sold to your collection agency. I received a communication regarding payment options, but I have several concerns about this account that I would like to address. Firstly, I was not properly notified of the transfer of this account to a collection agency, and I would like to request validation of the debt, including the original loan agreement, a full account history, and the documentation of the transfer of this account to your agency. Secondly, I believe there may be inaccuracies in the reporting of this account to the credit bureaus. As such, I am requesting that you provide me with all relevant details and investigate any potential errors. If this debt is found to be inaccurate or unverifiable, I request that you promptly remove it from my credit report and notify the relevant credit reporting agencies of the correction. I appreciate your prompt attention to this matter and expect a response within the timeframe stipulated by the Fair Debt Collection Practices Act ( FDCPA ). Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (NY)

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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX FLAGSHIP CRE XX/XX/year>2023 GLS XX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXX/2023
Consumer complaint received 2024-10-08
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Spring Oaks Capital, LLC (AZ)

Multiple letters have been mailed requesting for the information to be delete it and removed from my credit. First letter send XX/XX/year>, second letter sent XX/XX/year> and final letter sent on XX/XX/year>. No updates have been provided or correspondence.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (CA)

I am not liable for the debt of {$630.00} with Spring Oaks capital LLC. I never signed a contract with Spring oaks capital LLC. Please provide me with the purchase agreement and signature of this debt. 
Additionally, I dispute the validity of this debt. I request verification of the debt as required by 15 U.S. Code 1692g, which mandates that debt collectors provide verification of the debt wher requested by the consumer. Please provide me with the necessary documentation proving the legitimacy of the alleged debt, including : The amount of the debt ; The name of the original creditor ; A copy of the original agreement or contract that created the obligation. If you can not support all 3 I would like this deleted from my credit report
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XX/XX/XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (TX)

Currently there is a collection account appearing on my report from XXXX with the original creditor being XXXX XXXX XXXX XXXX this information is erroneous and is in reference to an account and medical bill that was covered under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my I am not responsible for the debt nor should the debt appear on my credit report. I have repeatedly attempted to contact XXXX XXXX XXXX which was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to contacted XXXX XXXX XXXX XXXX and XXXX as it has been transferred to multiple parties in the interim.
Consumer complaint received 2024-09-04
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. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Fairway Independent Mortgage Corporation (DE)

Upon closing on a home purchase in XX/XX/year>, I was mislead into closing on property with an interest rate 7.5 % which was above the market 's average interest rates. When speaking with the lender in early XX/XX/year> I requested to locked my interest rate prior to XX/XX/XXXX when Fairway mortgage was offering an interest of 6.85 %. I was denies the opportunity to lock-in at 6.85 % because " rates are expected to drop ''. I ended up closing with a rate of 7.5 %, and the buy down options offered at time of closing was extremely expensive. Due to the fact that the mortgage was not locked in a reasonable timeframe, my partner and I was forced to close at 7.5 % with a mortgage of {$5700.00}.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information and According to I.R.S Publication XXXX ( XXXX ) Generally, you must include the canceled debt in your income. Therefore income is being inaccurately reported on my credit report concerning the following accounts : 1. **Capital One Bank USA NA** Account Number : # XXXX Charge Off Amount : {$4100.00} Charge Off Date : XX/XX/XXXX XXXX. **Chase Card** Account Number : # XXXX Charge Off Amount : {$2400.00} Charge Off Date : XX/XX/XXXX XXXX. XXXX XXXX Bank XXXX XXXX Account Number : # XXXX Undesignated Owner XXXX. XXXX XXXX Account Number : # XXXX Charge Off Amount : {$2100.00} Charge Off Date : XX/XX/XXXX XXXX. **Celtic Bank XXXX Account Number : # XXXX Charge Off Amount : {$980.00} Charge Off Date : XX/XX/XXXX Additionally, the following collection accounts are disputed : XXXX. XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX  Amount : {$980.00} Collections Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : # XXXX Collections Amount : {$1600.00} Collections Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : # XXXX Collections Amount : {$1800.00} Collections Opened : XX/XX/XXXX These accounts are in violation of multiple laws set forth by Congress. According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), a consumer report should not include information solely related to transactions or experiences between the consumer and the reporting entity. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) stipulates that a person shall not furnish information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Furthermore, under IRS guidelines, a charge-off is considered gross or ordinary income and should be reported on a 1099-C form if the debt is greater than {$600.00}. Since I did not receive a 1099-C for these amounts, the reporting of these accounts as debts is inaccurate.

I have also revoked any authorization previously given under the Privacy Act of 1974 and the FCRA, and I am opting out of any further reporting as outlined under 5 U.S. Code 552a and 15 U.S.C. 6802. 

I request that you investigate these accounts and correct or remove the inaccurate information from my credit report. Please provide a written response within 30 days regarding the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX - XXXX XXXX. 

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Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/year> I sent over a payment to Chase, they refused to accept my form of payment, I have no received any written response nor a form of resolution, below are laws that they are violating. 

Under 15 U.S.C. 1666 ( b ), part of the Fair Credit Billing Act ( FCBA ), consumers are provided with the right to dispute billing errors, including unauthorized charges, errors in the amount charged, or charges for goods or services that were not received. This statute lays out the procedures for disputing a billing error and the obligations of the creditor when handling such disputes. 

A creditor shall not, prior to the end of the time period allowed for payment of undisputed amounts, report that an amount or amounts in dispute under this section are delinquent because the amount or amounts remain unpaid. ( 12 CFR 226.13 ( e ) ) Regulation Z, part of the Truth in Lending Act ( TILA ), governs the time of payment and ensures transparency in credit and billing practices. It includes rules on dispute resolution, billing error correction, and the time limits for creditors to respond. 

The payment due date must be clearly disclosed, and any penalties for late payments must be specified. 

Disputes over the timing or application of payments are covered under the dispute resolution procedures mentioned in 15 U.S.C. 1666 ( b ).
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-02
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. (MS)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (OH)

I opened a checking account with Truist Bank on XX/XX/2023. I made {$500.00} opening deposit to this new Truist account. The account I transferred from to make this opening deposit showed that {$500.00} was transferred to Truist on XX/XX/2023 Starting from XX/XX/2023, I couldn't access my Truist account online. I called them first as their website stated " Your online access has been restricted for security purposes. To resolve this issue, please contact the Truist XXXX XXXX at XXXX. '' The representative told me on phone that I needed to go to a branch. I then visited their branch the same day. I was then told that my account was closed but they didn't give me back the {$500.00} opening deposit. 

After 2 weeks, Truist have never returned my opening deposit of {$500.00} still. Additionally, Truist has added an item to my XXXX report which could harm my credit report and future application for accounts/cards. 

I am requesting Truist to return my opening deposit of {$500.00} and remove the item from my XXXX report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-02
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-02
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. (PA)

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. 
XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX,. has violated my rights. 


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 2024-09-02
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.