davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (TN)

I called XXXX insurance inquiring about my coverage when the Rep stated that I had an outstanding balance and if I do not pay I will be dropped. I told the Rep that I had cancelled the insurance so I do not understand the balance ; she stated that it was from a previous policy and that I still had a balance that was owed. I never knew about the debt and the debt was never validated. I called in a few weeks prior to buy another policy and the Rep never did mention an outstanding balance that was owed, instead she just took my money and issued me a new policy. So if I owed a balance, why would they start a new policy on me I stated? what I ended up doing was making a payment arrangement to pay the outstanding balance off because I need my insurance. Fast forward, I went to check my consumer report and XXXX had already sold the debt or assigned it, to be collected, I really do not know, considering I never did business with the company that is listed on my consumer report or signed any contracts with the company
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TN)

I received a statement in the mail from a company I never heard of or did any business with. before I could respond to the statement to request validation ; the company had already took adverse action against me, by turning over the alleged account to the credit bureaus. the company ended up places two negative accounts on my consumer report which in return has caused me a lot of XXXX, stress and XXXX.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (NJ)

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT ASAP 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 its been while is sent the disputes
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00}
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (SC)

I am writing to file a formal complaint regarding a collection account labeled WORLD FINANCE CORPORAT account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-02-07
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 XXXX Account # 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 agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

I received a credit alert about a bill sent to debt collections. Upon reviewing the debt, I found that the company was located in XXXX states none of them being where I have lived my entire life. I then proceeded to call XXXX XXXX where they were not willing to give me any information on where the service was being provided the account number, when the account was opened, etc. This was done in XXXX XXXX XXXX. I then disputed the account with all three credit bureaus with no success.
Consumer complaint received 2024-02-07
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # 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.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-19
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-07-25
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)

The following accounts and inquiries do not belong to me. Please remove them ASAP per the the requirements of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries as as well- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma (AZ)

I highly suggest you go direct to your credit union or bank for auto loans and or auto refinance. I had no idea Credit Karma was not legit. I just removed my data and deactivated/canceled my account. I had an offer last week for 4.8 % for 48 months to refi my husbands newer truck loan. ( He did this at the dealer last summer. Big mistake. You go in with your own financing ). I accepted the offer and the broker ( a company called XXXX XXXX ) can not get me anywhere near the offered rate. They are only offering a 1 % reduction in the rate and they keep trying to sell me on extending the term to 72 or 84 months when I emphatically said I will only do 48 months. My credit score is XXXX and I have made six figures in the same job for 10 years. I just wrote letters to both XXXX XXXX and Credit Karma about their scammy bait and switch practices and while looking for the email addresss found this article about the FTC fining Credit Karma $ XXXX fir false advertising. .They are still practicing this bait and switch game and will likely be fined again or be put out of business. I guess $ XXXX was not enough to deter them. Read and share!
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent a letter requesting the removal of unknown accounts and inquiries from my credit file. Today, I discovered that according to FCRA 605B ( 15 U.S.C. 1681c-2 ), these items should have been removed no later than 4 business days after the aforementioned date. These errors are significantly impacting my credit score, and I demand immediate correction in accordance with FCRA. I previously raised this issue in my Complaints and I am reiterating my request. The specific items that require removal are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I want to make it clear that I did not open these accounts or authorize anyone else to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking the necessary steps to report it to the authorities.
Consumer complaint received 2023-09-19
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-05-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

Purchased date : XX/XX/year> Date issue reported to company : XX/XX/year> Amount : {$500.00} I was unable to use my card online for purchases, unfortunately my card was put on hold and I was told to call which I did XX/XX/year>
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (FL)

I believe the account is invalid. REGIONXXXX ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.REGION/XXXX XXXXXXXX
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I was paid out from XXXX XXXX  XXXX XXXX through PayPal and I have not received a dollar! PayPal has put my money on a tax ID hold where I provided my information and still have not given access to my money.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (CA)

I am not liable for this debt with XXXX bank. I can not open a bank account because of this inaccurate and unverifiable. [ 15 U.S.C 1681 ] due to the FCRA this account must be removed immediately.
Consumer complaint received 2024-02-07
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 2024-05-24
Product: Credit 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: TD BANK US HOLDING COMPANY (CA)

I noticed unfamiliar transactions on XXXX and began reviewing all my credit card statements, and contacted Target Mastercard immediately and submitted a claim by paper per the representatives request, Ive been following up with this matter since XXXX to XXXX, and havent received any response or update regarding my claim/ account. I keep on paying Mastercard because Im trying to buy a house and dont want my credit score to be affected, but its still affecting me because I need to pay off the balance and plus the monthly interest charges. I reported the fraud charges to the sheriffs department
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (MI)

Debt is not accurate and neither XXXX or RMS can verify the correct detailed information on the amount they are asking for. Invalid debt. AND after requesting further information bc of in accurate documentation they sent a letter 10 days later still claiming I owe their amount of debt. I was under the impression that if i dispute this debt they are not to pressure me for 30 days. They will not listen when I say the documents are inaccurate and do not show the amount they are asking. They repeatedly call when I asked them to stop. They said this isnt up for debate and I owe that amount and they are reporting me.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (PA)

These alleged accounts are being reported to my consumer report without my consent In the form of a " charge off ''. The IRS identifies a " charge off '' as income for which I should have received a 1099C. I have not received a 1099C nor does incomes suppose to be reported to consumer reports! Therefore in accordance to the FCRA, please remove these account from my consumer report. You have an obligation to protect my right to privacy and to ensure my consumer report is fair and equitable to me at all times.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hard inquiries that hurt my credit. 
Didn't authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IN)

Chime states that they closed my account back in XXXX of 2024 due to my account not being in compliance to their partner bank, " XXXX XXXX Bank ''. However, they never gave reason or explanation of the incompliance. Furthermore, Chime refuses to relinquish remaining funds due to me. Claims that of the company will only send remaining funds in the form of a check to the address on file. While my address is no longer on file and they refuse to update this information for reasons that further allows them to retain consumers monies in their possession. I have contacted this company numerous times and have received no resolution on their behalf. I have several email correspondences that kept me in a loop of contacting a support email and calling the customer service support line with no resolve for me, the consumer. Chime claims they are not able to update information on the account once an account is closed. I find this to be malicious business practices in place to keep consumer funds in possession of their organization. I am due monies in the amount of {$740.00} recorded via their accounting, however I believe to be due more than that amount as my information was compromised and also Chime was informed of this as well. I do not have access to my account and can not see or obtain any accounting data because Chime has made it impossible to do so. Violating my rights as a consumer in virtue of these acts by the company. Please advise on any remedies to have any funds due me the correct and accurate just amounts I am owed by Chime. Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I requested from Citibank that the last statement from my XXXX closed accounts should be available online so that I can download it. They were taking out money every month and those statements are available. I paid off the accounts and the accounts were closed. The last statement which would show a XXXX balance is not available. They say that the last payment is not a transaction. I would like to get the statements.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (OH)

I received excision XXXX for XXXX at XXXX XXXX on XX/XX/XXXX. I signed a Good Faith Estimate ( GFE ) the same day and paid the agreed amount ( {$11000.00}, which is a 75 % discount of the total estimated amount of {$47000.00} ). The GFE is attached. On XX/XX/XXXX, I received an electronic statement for {$2900.00}. According to XXXX XXXX, the amount of this bill is the difference between what I was quoted on the GFE and what the procedure supposedly cost, minus the 75 % discount I agreed to receive for paying in full the day I received care. The day after receiving this bill, I logged in to view the bill, but my balance was {$0.00}. The payment site said " Your balance has been updated since your last statement. '' There was no balance. ( There was an electronic statement in my account from XXXX, but I never received notification of its existence. The balance from that statement was also {$0.00}, as seen on the attached picture. ) On XX/XX/XXXX, I received an electronic statement for {$46000.00}. When I called the hospital to question the charge, they said I had refused to pay the {$2900.00} bill and, consequently, lost access to the 75 % discount, becoming responsible for the full cost of care. The representative had technical issues and we had to disconnect the call before it was resolved. I made several attempts to contact XXXX afterwards, but I was not successful. 

In accordance with the No Surprises Act of 2020, I filed a Patient Provider Dispute Resolution form with the Centers for Medicare & Medicaid Services ( CMS ) on XX/XX/XXXX. On XX/XX/XXXX, the dispute was decided in my favor ( dispute decision notice is attached ). The third party reviewing the case and CMS determined that I had paid the entirety of my debt according to the agreed upon terms with XXXX XXXX, and therefore did not owe any outstanding balance. Additionally, they decided that XXXX XXXX must reimburse me for the {$25.00} administrative fee I paid to CMS to file the Patient Provider Dispute Resolution form. XXXX XXXX did not respond. They sent my account to collections and I am still receiving calls from Hollis Cobb Associates in an attempt to collect this debt that I do not owe. I fear that my credit has been negatively impacted by XXXX XXXX 's negligence.
Consumer complaint received 2024-07-25
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>