davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

" n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC (CA)

I paid off the debt in a settlement with the company, Bay Are Credit Service, formerly with XXXX XXXX XXXX. It was for two ambulance bills totaling {$400.00}. I called them to settle and we paid I believe {$220.00}. I cant search for the paperwork right now because my husband just died in XXXX and I have had XXXX for three months. It was off of our credit report for a long time and last year started showing up on our report again. I started protesting it through XXXX and XXXX last year and I keep getting back that the debt collector states it is a valid debt. I havent called the company because I know that if I call them it will be on my credit report longer. It is harming my credit. To have this on there and I definitely cant afford to pay it off. I am so frustrated that they arent doing what they are supposed to do and live up to their end of the bargain as I did.
Consumer complaint received 2024-05-13
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)

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report. 

PLEASE SEE ATTACHED FILE FOR COMPLETE COMPLAINT
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-30
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. (NY)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature
giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that the item being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I SENT CERTIFIED LETTERS TO ALL XXXX CREDIT BUREAUS, XXXX, EQUIFAX, XXXX AND XXXX XXXX XXXX REPORT. I SENT DOCUMENTS SHOWING MY CURRENT ADDRESS AND CORRECT SPELLING OF MY NAME, ALSO INFORMATION ABOUT ALL INACCURATE INFORMATION BEING REPORTED ON MY CREDIT REPORTS. NONE OF THE BUREAUS HAS SHOWN ME PROOF THAT THEY REACHED OUT TO ANY CREDITORS TO SHOW WHAT THEY REPORTED WAS TRUE. THEY LIED SAYING ITS VERIFIED AND WHEN I CALL THE COMPANIES, THEY SAY DIFFERENT.THERE ARE MULTIPLE ACCOUNTS I NEVER GAVE WRITTEN CONSENT TO, ACCOUNTS HAVE BEEN PAID, ACCOUNTS ARE REPORTED WITH WRONG AMOUNTS AND ARE OUTDATED. LETTERS WERE SENT FROM THE BANKRUPTCY COURTS TO PROVE JUST CAUSE. THESE CREDIT BUREAUS REFUSE TO RESPECT MY RIGHTS AS I ASKED FOR THEM ALL TO CEASE AND DESIST REPORTING INACCURATE INFORMATION WITHOUT MY WRITTEN CONSENT AND TO DELETE EVERYTHING THAT IS NOT ATTACHED TO THE CORRECT INFORMATION, ALOT OF COMPANIES ARE PULLING MY REPORTS THROUGH THIRD PARTIES THAT I HAVE NO CLUE AS TO WHY. THIS IS CAUSING HARM TO MY CREDITWORTHINESS AND CAN BE CONFUSED WITH MY CURRENT INFORMATION.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX I paid a total of {$200.00} to XXXX, a shipping company in North Carolina that was supposed to deliver my packages back to my home in XXXX. I was using the company to ship my belongings back home from XXXX and while most of my packages made it back 2 of the 5 did not arrive. Those two packages contained cards, my ID, and shoes/clothing/accessories. I reached out to the company as soon as i noticed my packages hadnt been delivered and filed a claim i then filed a claim with my bank and was given a credit. Months later, on XXXX XXXX Chase unexpectedly took the credit back with NO explanation. After I called to speak with them and even told them there was still a claim open with the company because they could not find my package Chase still refused to give me my money back. XXXX even had someone come to my home and have me sign a paper stating that all my future packages would now have to be picked up at a XXXX location, which is a major inconvenience for me. This put my account into the negatives! I have been getting the run around from both Chase and XXXX. I want my money back and thats all. Please help!
Consumer complaint received 2024-05-13
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. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
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. (MD)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX has violated my rights. 
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. 16815-2 ( 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 2024-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (TX)

I am providing this sworn statement for your consideration and I would like for you to please consider these as facts to be truthful and valid. XXXX is aware and has proof in the attachments labeled as Exhibit B. Merchants Credit Guide is in violation of several laws and are stated as follows : 15USC1692j ( a ) 15USC1692c ( a ) 15USC1692d ( 2 ) 15USC1692g ( a ) The inaccurate reporting of both my account status and payment status by Merchants Credit Guide is causing harm to my credit reputation and financial standing. All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report. 

I have attached documents showing that I requested validation of the debt in XXXXXXXX XXXX XXXX XXXX  and I just received a debt collection letter in XXXXXXXX XXXX XXXXXXXX, a year later. The balance on the last page clearly shows that there is no balance owed. It also shows that they are not the original creditor of this debt. I submitted a complaint before and they responded saying the debt was mine and they would make arrangements to help me satisfy the debt. I never signed a contract with Merchants Credit Guide and I never gave them authorization to obtain any medical records about me as that is a violation of HIPPA LAWS.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NV)

There is a derogatory mark on my credit report from Aldous And Associates for {$140.00}, apparently pertaining to a XXXX XXXX XXXX XXXX XXXX ( as per the terms of my contract ) in XXXX XXXX XXXX I was never contacted about any alleged debt, it appeared on my XXXX credit report.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION (NY)

I asked for a payoff letter for an XXXX XXXX XXXX personal home equity loan that has always been paid through automatic deduction. M & T Bank provided me with the letter, however is unable to provide me with information on a line described as " Deferred payment balance ''. This line adds {$3300.00} to the payoff amount. 
Despite numerous calls ... no one can identify or explain what this line item is for. 
M & T Bank responds they will call me back after research... however no one does. They open another 'ticket ' to research the issue when I call to follow up. 
Thank you.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

On XX/XX/, I made a student loan payment to edFinancial Services for {$2000.00} ( Payment Confirmation # XXXX ). That payment was never applied to my student loan balance but was deducted from my checking account. On XX/XX/23, I called edFinancial Services to report a missing payment. The company stated they had received the payment but lost it, so they never deducted the amount from my balance. They stated they would need 20 business days to find the payment. I expressed my concerns about making another payment until they found my previous one. They stated that since we are in a ramp-on period, there would be no penalty for late or nonpayment. On XX/XX/, I called back to follow up on the report. The representative stated they never submitted the missing payment form. They said they submitted a new one and they would get back to me within 12 days. I expressed my concerns to the representative that the full balance of my student loans would be collecting interest. She acknowledged it would be. At this point, I requested to speak to a supervisor. The representative stated the supervisor would call me back within 2 hours.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

On Tuesday, XX/XX/year>, I remembered that I had some " promotional balances '' that were going to expire soon on my Best Buy Citi Bank credit card. 
While reviewing the balances, I noticed XXXX for {$260.00} that did not seem correct. And there were XXXX more charges for {$43.00} on XX/XX/XXXX, but only one of them should be listed. I checked my Best Buy history and it did not match the promotional balance totals. 
XXXX. ) I first spoke with CitiBank at XXXX XXXX, and they informed me before disputing the transactions I needed to confirm the issues with BestBuy . 
XXXX. ) I then called BestBuy at XXXX XXXX, to confirm I wasn't missing a clue as to why these charges were here and then confirmed my concerns were correct and I needed to discuss further with Citi XXXX 
XXXX. ) I then called and spoke with XXXX at Citi Bank at XXXX XXXX XXXX she confirmed that the double charge for {$43.00} was incorrect and XXXX of them needed to be removed and she would have it removed. She let me know it was a CITIBank error and apologized. She also gave me the order number for the {$260.00} promo to investigate further with Best Buy. 
XXXX. ) I called Best Buy again at XXXX XXXX and confirm the order was cancelled and the promo balance should not exist any longer. 
XXXX. ) I called CITIBank again at XXXXXXXX XXXX, I reconfirmed that the XXXX promotional balances listed were returned and refunded to my Citibank XXXXard, but Citibank did not apply the refunds properly. 

Unfortunately, Citibank is now refusing to fix their error and they are wanting to charge me interest for items that I don't even own. I then asked to close my account and make a complaint.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-06-04
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. (NV)

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 2024-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. Mywallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. Iam concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.