davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX   interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges XXXX or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX and State Bar associations for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of [ name of your State ] medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-10-26
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. (OR)

These are not my accounts XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately
Consumer complaint received 2023-10-26
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. (TN)

I have reached out to all three credit bureaus regarding the account that is listed below : XXXX XXXX Now this account is open but is not reporting information to each credit bureaus. I have sent in dispute letting each credit bureaus know that the account they are reporting inaccurate information. Each credit bureau has different information that they are reporting. When if the credit bureaus are getting the same information from the same furnisher, then how is that they all have different information. 

I have sent each credit bureau the credit report that shows that each of their credit report is showing different information. 

I have highlighted, sent in a dispute letter and provided them with all the information, and they are still reporting that the information is accurate, and they have updated, and it shouldn't be updated. Because they have not reached out to the furnisher about if the account is accurate or what information that need to be reported.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (OH)

On XX/XX/XXXX my car needed repair so I took it to XXXX XXXX XXXX and they charged me {$2800.00} for repair when car was picked up XX/XX/XXXX. The technician told me I could make payments so in order to pick up car I needed to pay XXXX that would leave a balance of {$2500.00}. I have made payments of {$3200.00}. I got a call today that I still owe {$2800.00} that I was in a lease for my repair bill with XXXX XXXX XXXX and the company that is collecting is Monterey Financial. I was not aware that I was in a lease for a car repair. I thought I was making payments for the repairs and now am being told that I am in a lease and if I do not pay the additional {$2800.00} that legal action would be taken. I have received messages at my work and on my cell phone from this collection company. I would like to have this resolved. I have paid the amount of the repair and do not plan on making any additional payments. I feel like I have been taken advantage of this is a high interest lease that I was not aware of. I did not sign a lease and would like this resolved and closed out. I do not feel that I should need to pay any more than the repairs.
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. (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.

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 2024-07-08
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. (NJ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute inaccurate information on my credit report provided by XXXX XXXX and reported to XXXX and Equifax. The discrepancy involves the reporting of my first late payment, which XXXX XXXX asserts occurred in XX/XX/XXXX. However, I have concrete evidence that my initial late payment was in XX/XX/XXXX. 
This misinformation has adversely affected my credit standing, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers are entitled to accurate and up-to-date information in their credit reports. Moreover, Section 611 ( a ) ( 1 ) ( A ) stipulates that inaccurate information must be promptly corrected or deleted. 
I have attached documentation clearly demonstrating that the first late payment occurred in XX/XX/XXXX, not XX/XX/XXXX. As per Section 611 ( a ) ( 7 ) of the FCRA, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, considering the evidence provided. 
Furthermore, I assert that XXXX XXXX has misled the credit reporting agencies, and their failure to rectify this inaccuracy constitutes a violation of the FCRA. Section 611 ( a ) ( 5 ) ( A ) ( i ) emphasizes the obligation of credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute. It appears that such an investigation has not been adequately performed in my case. 
In light of the evidence and the apparent violation of my rights, I request the following actions : * Immediate removal of the complete account information from my credit reports with XXXX and Equifax. 
* A comprehensive and diligent investigation into XXXX XXXX 's reporting practices to ensure compliance with the FCRA. 
* Assurance that XXXX XXXX rectifies any inaccuracies promptly to prevent further harm to my credit standing. 
I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Avant Holding Company, Inc. (NJ)

Opened Avant- credit card. Credit card is not used and balance keeps going up. My spouse has been paying thinking I use the card. Upon review of my credit cards I see the card is maxed out. Weve been paying toward a balance I do not have. Avant owes me money at this point.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (TX)

There was a charge on my card I did not make, I called and disputed it immediately, and they replaced the card and eventually it was taken off and I received a letter to call and speak with someone about it, I tried calling multiple times over and over and all I could do was leave this person a message and never received a call back from him, then just like that they put the charge back on my card, I immediately locked the card, I have not used it at all since the fraud happened it has been in a safe locked up, I called again and the lady I spook with said I would be responsible for the charge I did not make and would have to pay it. I told her to deactivate my card and cancel the account with no avail, it still did not happen. This company will not help you at all with fraud or cancelling an account.
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: EQUIFAX, INC. (TX)

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 2023-08-26
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 have disputed inaccurate personal information as in my full name and inaccurate addresses in XXXX and XXXX and now even XXXX of 2023 to no resolve. I have submitted multiple disputes of inaccuracies of an old discover card acct in collections which was resolved in the year the account was closed which is still reporting as an open account 4 years later today. Experian will not allow me to dispute these items and others without any new information however no proper investigation or request for validity or verification of said debt was ever provided to me upon request from these agencies. Only limited responses are provided in the drop down to submit additional disputes and once submitted you must provide additional information however Experian does not accept most formats of proof. This is unacceptable that the information that I provide to all agencies involved is not sufficient proof to the credit agency however any and all information obtained by Experian and additional agencies and or third parties is being updated to my credit report and it is inaccurate AND I did not provide the inaccurate information but that is the information being reported. I did not authorize any agent to report any of the inaccurate information and now Experian is not accepting my dispute to correct the inaccurate information they are now reporting it to other agencies. Which I also did not authorize. These issues are causing me to miss opportunities to work with other credit agencies due to it looking like fraudulent activity and or risky applications. This needs to be fixed at once.
Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Professionals, Inc. (WY)

XX/XX/XXXX XXXX XXXX was paid in full for a date of service XXXX. The hospital failed to bill the insurance. 

I have not received notice after the fact until I started checking my credit report along with multiple phone calls and emails with the latest being XXXX. 

I have repetitively sent in multiple times copies of receipts and bank statements showing the account was satisfied in full. 

The information has been removed from my credit reports numerous times only to have the collection company change names and re post. 

I consider all of this as a fraudulent and this needs to be permanently deleted and removed.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (IN)

I utilized Etrade/Morgan Stanley Bank account to redeem a set of Series I savings bonds from the Treasurydirect.gov. Funds credited to account and then the account was frozen. I called to inquire as to why, and they asked to verify deposits. I provided them with emails I received from treasurydirect.gov as well as screenshots showing detailed account information and redemption info matching the deposits. 

The Etrade/Morgan Stanley representative then asked for statements. I explained that these are Savings Bonds and there are no monthly statements available. They have my money frozen which I am trying to withdraw for my pending closing/home purchase coming up on XX/XX/XXXX. Please help! They are intransigent and this is theft of my money.
Consumer complaint received 2021-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I Have a report of owing XXXX  XXXX. It is on my credit report, I reported it as a fraud because I do not live in Florida, I live in the XXXX XXXX XXXX and have documents to prove that I do not live in Florida. I live in my home for 20 years in the XXXX XXXX XXXX and can show proof of it. I filed a dispute and XXXX as well as the other two credit reporting is reporting it as such. They stated in the dispute resolution that XXXX  XXXX is saying the account is valid. I am a XXXX XXXX  veteran and this is causing me additional undue stress. I have no letters or documents from them, they sent me no letters, emails, or phone calls. I just saw it on my credit report and filed a dispute to no avail. Please provide any assistance if you can. Thank you.
Consumer complaint received 2023-11-06
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)

Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and XXXX and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-12-01
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: JPMORGAN CHASE & CO. (TX)

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with JPMCB CARD, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into JPMCB CARD inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if JPMCB CARD is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter The following inquiry must be removed immediately : 1.- Creditor Name : JPMCB CARD Date : XXXXXXXX XXXX XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (VI)

The debt company name is medical data systems. The balance date is XXXX XXXX i tried emailing the company numerous times but to no avail. I called the number provided but noone answered. I called the original creditor which was advent health central florida and no file was provided when i provided my social security number.
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: CCS Financial Services, Inc. (MA)

Hi - An insurance company named XXXX XXXX sent to collections a payment for a policy that had been cancelled and replaced by another company. The collection agency continuously contacted me for payment. Simultaneously, I disputed the debt with the three credit reporting agencies. Only one agency was able to DELETE the collection from my report. 

The collection agency took a payment from my account to cover the debt and continued to report the debt as opened, with a balance of XXXX for about 2-3 months. All while I was in desperate need of access to credit. Furthermore, the collection agency that purchased the debt from the insurance company ceases to exist and can no longer be contacted.