davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (VA)

I had XXXX back in XXXX of 2022 at XXXX XXXX XXXX and am currently and was insured at the time through my current employer by XXXX. My insurance covered most of the cost of XXXX and there were two balances that I was required to pay which both have been fully paid for. Last month, I started receiving harassing calls from a company Capio Partners which I have never heard of. They knew my birth date and home address, so I thought they were a legit company. They went on to say that I owed a balance of {$2500.00} for XXXX by a company XXXX XXXX XXXX. I was completely dumbfounded. Capio stated I owed this amount since I was uninsured. I told the representative XXXX that they are mistaken, and I have insurance and my debts for XXXX were paid months ago. I received two more calls within a weeks ' time regarding this again. I told XXXX 's supervisor that I was sick of the harassing phone calls and that I am not paying anything because I have never heard of this company or Capio nor did I ever receive a bill from this anesthesia company. Anthem also has contacted them on two occasions stating that they can submit a bill to them, and they would review it, but all debts for service were fulfilled by them on XX/XX/XXXX with proof, including {$1700.00} that XXXX actually paid for anesthesia services. So, since this was already paid why am I continuously receiving calls? I am upset that this company somehow got my personal information and is doing false claims. I'm aware that there are numerous complaints against Capio Partners and that they can even go as far as reporting this on someone's credit report. This company needs to be stopped immediately. I want them to cease and desist calling me and saying that I owe this outrageous amount for something my insurance 100 % paid. Proof of payment is attached.
Consumer complaint received 2023-11-01
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. (FL)

I am the living man, executor, beneficiary and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

You dont have my permissible purpose to identity theft.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-01
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-04
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. (TX)

I sent credit dispute letters to XXXX, Equifax, and XXXX on XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. I have not received documentation providing the results of these investigations into the inaccurate items I disputed.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please know the information on my credit report is not correct. I've listed addresses, employers and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately.
Consumer complaint received 2023-11-02
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-02
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX  XXXX XXXX Balance : {$300000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I recently checked my credit report and noticed several items with inaccurate and missing information.These items are negativity affecting my ability to obtain credit.The consumer reporting agencies need to report all information with complete accuracy.I have highlighted the items I dispute on the attached copies of my credit reports. I am now requesting you investigate and provide verifiable proof with records that these accounts are accurate. If the accounts listed below can not be verified as accurate, I demand these accounts be deleted. 
Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 

XXXX. acct # XXXX XXXX XXXX. acct # XXXX XXXX XXXX. acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct #. XXXX XXXX. acct #. XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (AZ)

I was appointed guardian for a Chase Bank customer on XX/XX/XXXX and have been trying to access funds since that date. Chase Bank did not process my request in a timely manner and my temporary Letters of Guardian expired. When updated Letters were issued by the Court, I again attempted several times to access funds through bank appointments and repeated phone calls. I was told I would receive calls to let me know when I could close the account and never received any calls. Chase Bank assured me that I would be able to close the account, which has been vulnerable to exploitation prior to my appointment. My ward 's nursing home is now THREATENING EVICTION due to nonpayment. I have attempted to explain the urgency of the situation to Chase Bank and have had no response or assistance. When I requested to speak with the branch manager, XXXX XXXX, I was told he was in a meeting. I was not offered a call back from the manager. 
A banking appointment was granted by Chase Bank for today, XX/XX/, but was cancelled this morning without explanation. My Letters of Guardian are set to expire again on Monday, XX/XX/. I will have to wait another week for the Court to issue updated Letters and then another week for Chase Bank to set an appointment, then attempt the whole process for the third time. I was told that there was only one person who could assist me and they were on vacation. No other options for assistance was offered. 
I have now been attempting to access funds for THREE MONTHS. I have been ordered by the Court to act as Guardian and Chase Bank is withholding necessary funds to pay for my ward 's living expenses. I am unable to purchase clothing, toiletries or other comfort items for my ward  and she should not have to wait this long. Chase Bank should help it's most vulnerable customers.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am promised accuracy on my consumer credit report by federal law. Exquifax continues to report inaccurate and fraudulent information on my consumer credit report All verified information must be promptly removed as you can see in your system you can not verify these accounts. Equifax has valid my customer rights and caused damage to my ability to extend credit due to these fraudulent accounts. Federal violations committed by Equifax are as follow 15 usc 1692j, 15 usc 1692d, and 15 usc 1692f,. the following account are not accurate XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) XXXX XXXX  Reported : XX/XX/XXXX - {$140.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$140.00} Highest Balance {$140.00} Opened XXXX. XXXX, XXXX ( 1 yr, 1 mo ) This is another attempt to have these errors corrected on my consumer reports under 15 USC 1681 and removed.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

Hello, I had an unexpected death occur in my family and therefore needed to travel to attend the funeral and help with arrangements. This was unexpected and I ended up being XXXX   days late with my payment. The XXXX  I noticed this/remembered, I immediately called Comenity/XXXX XXXX XXXX XXXX I called them at the number XXXX on XX/XX/year> at exactly XXXX. I let the agent know, to which they said nothing had posted yet so there wasn't anything they could do, HOWEVER, they said to call again in a few days and an agent would be able to help me and remove the late fee for hardship. 

I followed what the agent instructed and called again at the same number ( XXXX ) on XX/XX/year> at exactly XXXX. I explained the situation to the agent that I did with the last agent and I also said I was trying to repair my credit, I have GREAT payment history with them and have always paid my card. The agent agreed that I had beautiful history with them and she proceeded to waive/remove the late fee. 

However, I called today on XX/XX/year> and spoke with an agent named XXXX. I explained everything to her as stated above and she said " there's no notes left on the account ''. I told her, an agent did remove the fee originally and that this was on a recorded phone call, as I know companies record them for training purposes. I asked if there was any way to access that so she could know the fee was originally waived. 

What she did do was issue me a {$15.00} credit toward my account, however, this was not a fee reversal and I was still going to technically be paying for said late fee. A fee to of which should not have been there, as the agent had removed/waived it for me. 

Unfortunately, the only way to prove this would be by accessing the phone recordings which I as the consumer do not have access to. It is recorded, saved and documented that this fee was removed over the phone while I was speaking TO an agent. There is no reason why I should still be getting charged this fee anyway and still have to pay it when an agent themselves removed it from my account. 

I went through a hardship and unexpected death and the company proceeds to charge me anyway with a late fee that they themselves admitted they could, would and DID remove. Regardless of there " not being notes on my account '' an agent did remove it over the phone and also confirmed when she was finished and that it was gone. 

Unfortunately with Comenity, my balance always posts on a delay. If I had seen this sooner than today, I DEFINITELY would've called IMMEDIATELY.
Consumer complaint received 2023-11-02
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. (NJ)

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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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)

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

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 XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX 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 can not furnish an account without my written instruction 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 2024-05-19
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. (MA)

The list of below have violated my federally protected rights To privacy and confidentiality under 15 USC 1681 Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.