davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/year>, I timely paid off in full my Capitol One XXXX credit card account ending in # XXXX. Despite my XXXX balance, this month, Capitol One assessed an additional interest charge of {$8.00}. On XX/XX/year> at approximately XXXX a.m. ( eastern time ), I called Capitol One and an agent said she could remove the charge after she reviewed my account. Then, she placed me on hold for XXXX minutes but never returned. When I disconnected and called back immediately, a different Capitol One agent immediately said she could not remove the charge. She refused to stand by and honor the prior agent 's contrary statements. When I asked why the first agent placed me on hold for XXXX minutes if nothing can be done, the second agent would not give me an explanation for this, and she refused my request to escalate this matter to her supervisor or allow me to speak to a different agent. I believe the second Capitol One agent was wrong and possibly lied to me because her actions and statements are directly contradicted by the first agent. Significantly, Capitol One recorded both phone calls. The second agent confirmed the computer system shows my call with the first agent lasted over XXXX minutes. That is wholly inconsistent with the second agent immediately telling me she can not remove or waive this charge that should not have been placed on my account in the first place. This is dishonest, false and deceptive business practices by Capitol One.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (NC)

XXXX XXXX XXXXXXXXXXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Innovis credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Revenue Systems, Inc. (MD)

At the time of service, XX/XX/year> I paid XXXX XXXX the co-pay. Two weeks later I received billing requesting for payment. I called the billing company XXXX to dispute and told them that I already paid and have the receipt with me. They did not take my receipt transaction number only stated that there was a system downtime in their transaction system and could not retrieve the invoice. They said it will be resolve in 30days. After 30days, I received another billing invoice and called them again in XXXX. They said they will resolve the problem but refused to take my transaction number. 

After 60days, in XXXX the company send the debt to the XXXX collector ( Business Revenue Systems, Inc. ) I called XXXX ( XXXX XXXX billing company ) again on XX/XX/XXXX and told them my situation. They requested that I email them the receipt which I did. They said they will take care of it in 30days. 

I also called Business Revenue Systems to notify them the situation and gave them the receipt transaction number. 

The billing company negligence is causing a lot of my time and frustration. Furthermore, this will hurt and have negative impact to my credit score which I tried very hard to maintain a good credit score the last couple decades. I just hope this does not happen to other people. I learned to keep all receipts and check your billing balance frequently. Keep all correspondences in case this situation happens.
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that COMMONWEALTH FINANCIAL or any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMMONWEALTH FINANCIALor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant Mercantile Agency (CA)

I was billed by XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$3900.00} for an emergency ambulance ride I received on XX/XX/XXXX. XXXX XXXX XXXX billed the wrong insurance company. They billed XXXX XXXX, which I was not insured with at the time, instead of XXXX XXXX where I was actively covered. I was unaware that they did not have my correct insurance on file, until I received a collection notice from Grant Mercile Debt Collector in the amount of {$4400.00}. I've attempted to contact all parties : XXXX XXXX XXXX, Grant Mercile, and filed claims and appeals with XXXX XXXX multiple times with no resolve. This collection is now negatively impacting my credit, due to a bill I do not owe. The ambulance company billed the wrong insurance, resulting in a collection on my credit.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (OH)

Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Request Under Privacy Act of 1974, Fair Debt Collection Practices Act, and Fair Credit Reporting Act To Whomever It MAy Concern, Dear Sir/Madam, I am writing to demand that my personal information be removed from your databases and that I be opted out of any and all future data sharing and reporting activities as permitted under the Privacy Act of 1974, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 

Under the Privacy Act of 1974, I have the right to request the removal of my personal information from databases and to prevent its disclosure to third parties without my explicit consent. Furthermore, the FDCPA and the FCRA afford me specific rights regarding the collection, use, and dissemination of my credit information. These rights include, but are not limited to, the ability to opt out of any and all reporting and data-sharing activities.

Therefore, I am requesting the following actions be taken immediately : 1. Remove all my personal information from your databases.

2. Cease any future collection, use, or dissemination of my personal information.

3. Provide written confirmation that these actions have been completed. 

Please treat this letter as a formal request under the Privacy Act of 1974, the FDCPA, and the FCRA. I expect to receive a response within 30 days from the date of this letter as stipulated by federal law. 

Thank you for your prompt attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

On XXXX/XXXX/16 Ditech received a {$2000.00}. principal payment from me. My check had " Principal Payment '' written on it. When I checked online, I noticed that the payment had been posted as the XXXX/XXXX/16 mortgage payment. I called Ditech on Monday XXXX/XXXX/16 to advise them that they had posted my payment incorrectly. The representative advised me that they would need three business days to make the adjustment/ correction, and that I could check back to confirm that the correction has been made. 

As of today, XXXX/XXXX/16 the correction has not been made. 
Is n't it the lender 's responsibility to post payments correctly? Once notified about the error, how much time does the lender have to make the correction? 
Thank you
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (SC)

On XXXX I sent to XXXX XXXX XXXX  via mail with return receipt a letter stating all communication to be done through XXXX. Also asking for debt validation. I received a response from them. No further communication has been done because I dont owe them this debt I have no contract with them. In XX/XX/XXXX i made a dispute with XXXX about incorrect data reporting on this account. On XX/XX/year> at XXXX XXXX I received a phone call from their office. They are In violation of my consumer rights. I called them back just to verify that the telephone number was indeed their number.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (KY)

I had a large settlement check deposited into my account. After trying to retrieve the funds, Venmo froze my account and later told me the account has been deactivated. They said IF I get my money it will take 180 days.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (NV)

For the pass couple years Ive been trying to figure out whos car is on my credit report. Ive went down to the dealership where the car was bought and got info showing that its not mines n I never authorized it.
Consumer complaint received 2024-07-31
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. (NY)

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.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Monterey Financial Services LLC (DE)

I am not liable for this debt with career step, I do not have a contract with Monterey Collections Sv, they did not provide me with the original contract as I requested. 
Also it is not listed with the other credit bureaus : XXXX and XXXX, which proves it to be inaccurate reporting.
Consumer complaint received 2023-09-03
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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NY)

In Accordance with the Fair Credit Reporting Act, XXXX  account ending in # XXXX, ONEMAIN FINANCIAL dated XX/XX/XXXX, and ONEMAIN FINANCIAL dated XX/XX/XXXX. XXXX XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Most account numbers weren't included in my credit report. 

15 U.S.C. 1681, Section 604, Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (SC)

Online Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that Online Information Services and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt Online Information Services claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Online Information Services for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what Online Information Services claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Online Information Services claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which Online Information Services is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship Online Information Services has with XXXX, and advise how Online Information Services and XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer report. The alleged collection account is not mine. 

Inaccurate information : Collections ONLINE INFORMATION S XXXX XXXX XXXX940.00}
Consumer complaint received 2024-08-31
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. (MN)

I Reviewed my Consumer Reports and noticed that I had three payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  XXXX XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Somebody had put a stolen check into my account and it was never cashed and my account became frozen and I was never charged for fraud nor went to prison for fraud and Im just trying to clear my record and ask somebody tried opening a bank in another city that I have never ever heard if
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

I have recently been contacted by the XXXX agency regarding an outstanding debt in the amount of {$XXXX}. After thorough investigation and verification, I can confirm that this debt has already been paid in full and therefore, I do not owe any additional payment. 

Upon receiving this notification, I immediately called the XXXX agency on XX/XX/year> to dispute the validity of the debt. This call was recorded for quality and training purposes. During the call, I informed them of this paid debt and requested that they cease and desist any further attempts to collect the disputed amount. 

I kindly request that the XXXX agency acknowledge the resolution of this matter and update their records accordingly. I also asked they provide confirmation in writing that the debt has been cleared and that there will be no further collection efforts made against me.
Consumer complaint received 2024-07-31
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. (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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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. 

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.