davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (MA)

I have received a debt collection letter from ARstrat regarding a debt owed to XXXX XXXX in the amount of {$560.00}. This debt arises from XXXX XXXX XXXX associated with my XXXX XXXX exam in XXXX. Under my previous insurance provider, XXXX, I was eligible for XXXXXXXX XXXX XXXX per year. Unfortunately, the billing department at XXXX XXXX 's XXXX network used an incorrect medical billing code, causing complications. Despite making numerous calls with both the insurance company representative and myself, we were unable to find a resolution. I attempted to address the issue, but my calls went unanswered. Additionally, when I contacted XXXX XXXX, they directed me to reach out to the billing department at the hospital. This matter is simply a clerical error in billing that could be easily rectified. I kindly request your office 's assistance in resolving this matter. Thank you in advance for your help.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-05-16
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. (CA)

I am writing to address the response I received from the Consumer Financial Protection Bureau ( CFPB ) regarding my complaint filed on XX/XX/XXXX regarding an inaccurate account. In your response dated XX/XX/XXXX, it was stated that I requested the account to be corrected or deleted, which is inaccurate. To clarify, my request was for the immediate deletion of the aforementioned account due to multiple inaccuracies. This decision was made based on the same inaccuracies that prompted XXXX to delete the account upon my reporting. 
I urge you to rectify this matter promptly by deleting the disputed account from my records for EXPERIAN and XXXX. The information on these accounts which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following. 
EXPERIAN Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Failure to do so will leave me with no choice but to pursue legal action. Please note that I am prepared to file a small claim of {$1000.00} for each violation if necessary. Enclosed with this letter are documents supporting my initial complaint to the CFPB. These documents serve as proof of the inaccuracies reported and the request for deletion. I trust that you will give this matter the attention it deserves and take the appropriate actions to resolve it expediently. Thank you for your prompt attention to this matter.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I refi'ed my mortgage with XXXX. I had no issue with them. They sold it to Nationstar. NS immediately tried to force me into their homeowner 's insurance. I had it already with XXXX. They then tried to force me into flood insurance. I already had it with XXXX. Now, they are sticking me with " gap '' flood insurance. They insist on {$2400.00} right away and they are boosting my monthly mortgage payment from {$700.00} to {$1200.00} a month. Repeated calls and letters are useless with them. In checking with the XXXX, they are not accredited and have an " F '' rating. They are terrible! This useless " gap '' insurance will cost me an additional {$15000.00} over the term of my mortgage and I have no right for refusal. They " claim '' I agreed through " terms and conditions '' even though that agreement was with XXXX, not them. It is forcing me to consider another refi 12 months after I just did it. This will cost me {$3000.00} but it saves me {$12000.00}. I could pay off mortgage but would get hammered XXXX by income tax. ( XXXX with withdrawl, XXXX with the boost in % income tax bracket )
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (CA)

Upon reviewing my credit report Experian is reporting a hard inquiry without my consent XXXX XXXX XXXX XXXX this needs to be removed immediately. 
I'm a victim of fraud as of XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to contest and to dispute the inaccurate reporting of items on my credit report. Upon contacting the companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the items would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the items from my report and so I request that you take immediate action to update this erroneous accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

Today, XX/XX/2023, I attempted to make a principal-only payment of {$2300.00}, according to an amortization table of my loan, which I obtained online. The people @ One Main Financial are telling me that they will NOT allow me to make principal-only payments! 
This is a VIOLATION on several levels : 1 ) I made it CLEAR to One Main Financial employees that I was going to do this, when I applied! No one said this is illegal. CLEALY it's NOT! 2 ) ALL open-ended loans in the US can be prepaid with principal-only payments! 3 ) One Main Financial is stating that, since this is a pre-computed loan, that I am not 'ALLOWED ' to make payments that avoid 'interest payment '. 4 ) OMF claims that ALL payments MUST pay interest, or it won't be computed. 5 ) ALL of what OMF is stating, while might be COMPANY POLICY, is aimed @ circumventing FEDERAL LAW, which CLEARLY allows PREPAYMENT of ANY loan, without the burden of penalties meant to harm the public! OMF 's prepayment policies are intended to benefit THEM, while harming the customer ( ME! ). I need your help in setting the record straight here! OMF CAN NOT set company policies that PENALIZE ANYONE trying to prepay a loan of ANY KIND, FOR ANY REASON, UNDER ANY CIRCUMSTANCE!
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively affecting my credit score. I have reviewed my credit report carefully and found the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2024, I mailed out letters to Experian asking for an investigation of inaccurate information on my credit report. Also, I sent documents providing my identity ... My state ID and proof of address are on my bank statement. I have attached all letters and documents sent. Experian is stalling.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (AE)

XXXX months ago, I moved from XXXX XXXX to XXXX on XXXX orders. Before I moved to XXXX XXXX, I lived in the XXXX, where I registered for a Chase Sapphire card back in XXXX. I have used this card since then in the XXXX, XXXX XXXX, XXXX, and XXXX. Last month, on XX/XX/XXXX, I bought XXXX tickets online for XXXX XXXX using this card, and Chase froze the card and did not let the purchase go through, despite being abroad in XXXX and XXXX for almost 2 years. I called their customer service to unlock the card, but it was stated that to verify my identity, I must have a XXXX phone number. I have not had a XXXX phone number since XXXX, and the one i have on file with Chase is currently a XXXX phone number. The customer service representatives would not allow another way to verify my identity and my account has been locked since. I tried calling again that day, and the customer service gave me the same response, saying that a representative will reach out to me in XXXX hours. I was never contacted by phone or email which are on file. I called again on XX/XX/XXXX, with the same responses. A representative still never reached out to me ever. I called again XXXX XXXX and was able to talk to the customer protection department, and despite answering alll of my security questions correctly, I was told I must have a XXXX phone number and a representative will reach out to me in XXXX hours. I asked to close the account, and I was told i was not allowed to since the account is locked. I was provided no other means, and the customer service hung up on me despite pleading for another way. It has been XXXX hours, after a month of trying, and Chase has locked me out of my credit card account with no way to use it or close it. I can not even use {$740.00} in travel points because i apparently must use my chase card to do so. 

I can provide all information on the account in order to get this resolved.
Consumer complaint received 2024-05-16
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. (TX)

I am writing to follow up on my previous communications regarding the fraudulent items with charge off accounts with incorrect balances that have appeared on my account. Despite my prior XXXX attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. 

The continued presence of these charge off and innacurate personal information not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the charge off accounts and innacurate personal information : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2023-09-15
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. (MO)

I am writing to formally dispute and request corrections for several inaccuracies on my credit report. I recently reviewed my credit report and noticed several discrepancies related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX an accounts which has negatively impacted my credit history. The inaccuracies include late open, late close and charge off which needs to be corrected or removed : XXXX XXXX XXXXXXXX Balance : {$530.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX Balance : {$0.00} The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

The accounts has been reported as a charge-off, which is not accurate. I have never allowed the account to reach a charge-off status, and there should be no such negative status associated with it. 

I kindly request that you investigate and rectify these inaccuracies promptly. To assist you in your investigation, I have enclosed the following documents : A copy of my credit report highlighting the inaccuracies. 
Documentation supporting the correct opening and closure dates of the account. 
Evidence showing that the account has never reached a charge-off status. 
I understand that correcting these errors is essential for maintaining an accurate credit history, which directly affects my financial well-being. I kindly request that you take immediate action to investigate these discrepancies and make the necessary corrections as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, you are required to investigate the disputed information within 30 days and inform me of the results. If the information is found to be inaccurate, I request that you provide me with an updated credit report reflecting the corrections made.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (FL)

ROZLIN FINANCIAL GROUP L at XXXX XXXX XXXX XXXX XXXX XXXX  Has been sending me collection notices in the amount of {XXXX. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
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. (AZ)

Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 

inquieies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 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.

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: P.S.C., Inc (WA)

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at Puget Sound Collections on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted PSLF  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

XX/XX/XXXX filled a dispute for Cap1/XXXX account XXXX 30 days late. Spoke with CAP1 and XXXX. XX/XX/XXXX dispute resolved and notified being fixed. 
Score goes back up XXXX or so points. 
XXXX score goes back down again and the late pops back up again on same account! 
Filed dispute and not corrected! 
If you look at my completed disputes you will see fixed in XXXX XX/XX/2023 and same dispute filled again in XXXX for same issue with results XX/XX/2023. Only this time they didnt correct! Why is this so difficult. I dont miss payments and I'm almost XXXX yrs old!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Equifax put a fraud blocker on my credit. I did not request this service. I was attempting to apply for an apartment however they can not screen my credit due to this blocker Equifax put on my credit. I call and request Equifax to remove the credit blocker. They advise I needed to mail in a certified letter with my picture ID. They advise it will take 3-5 business to remove. I advise I was going be homeless in 3 days if I couldnt apply for this apartment. The supervisor XXXX agent # XXXX was rude and disrespectful and could not help me to a resolution. She ended up hanging up on me now Im submitting this complaint.