davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bureau of Accounts Control (NY)

Medical billing service XXXX or laboratory entered wrong insurance identification number on insurance claim form when submitting claim. Insurer denied the claim and informed me I was not liable for amount ( {$500.00} ). Billing service waited too long to file an appeal and began sending me notices. I contacted billing service and explained situation. Also, arranged conference call with insurance company and billing service. Insurer informed billing service I was not responsible. Billing service turned debt over to collection agency. In XXXX 2015, collection agency reported debt to credit report companies XXXX, XXXX and XXXX without stating that debt was disputed and without contacting or informing me. I sent collection agency letters and proof from insurer that I was not liable.Collection agency stopped billing me. I just found out that the debt appears on my credit report and has affected my credit.
Consumer complaint received 2023-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (WA)

See previous complaint w/ XXXX XXXX and XXXX XXXX . This time, Merchants Credit Assoc. has sent the request, with the correct account number and dates of service. However, as before, I paid this bill before XXXX sent me an invoice. I have no idea why XXXX sent this same matter to multiple collection agencies before they sent me a bill, especially since I already paid it. 

I got no response from XXXX through CFPB from my previous complaint, but they did try to call me with a robot a couple of times. I usually ignore it, but when I answer, the only option they give is to pay them over the phone what they think I owe.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Capital One Auto Finance {$9100.00} XX/XX/2016
Consumer complaint received 2023-04-20
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. (TN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX, XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-10-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NY)

Date - XXXX / Amount - {$720.00} / Violations of 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S. Code 1681 ( b ) Permissible purpose / 15 U.S. Code C-2 / 15 U.S.Code 1681 for assertions/ Legal documents, Letters of Cease and DEsist / XXXX XXXX XXXX XXXX XXXX XXXX XXXX were sent and issued to XXXX XXXX, never received proper legal Notice of debt within XXXX  days / Never was sent the name and address of Original creditor / Never sent statement informing me they were assuming the alleged debt to be mine / illegal third party debt company without my permission as an authorized to report alleged fraudulent negative debt to all XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The bank on where I have my accounts XXXX Bank of America ) in one of my checking account a withdrawal was bieng made for the amount of {$24.00} dollars every month since XX/XX/2016 without my authorization to do so, I became aware on such transactions three weeks ago because this bank sent me email of this malicious transactions, I report this directly to the bank fraud dept after that they came with an answer few days later that its realy was scam but they only want to be resposible for one year only, so what about the rest.
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSG Collections, LLC (NY)

I received a notice that I purportedly owed a debt of XXXX dollars. After examining the info sent, the attached invoice showed only XXXX dollars. After a few days and consulting with the company that claims I owe the money, they claim I owe only XXXX dollars. The invoice sent by TSG Collections was for an entirely different individual with their address and name. So not only was there an incorrect amount on the claim letter, but it also had the statement of an entirely different, uninvolved person. 

I also needed to send an email a certified letter and still had to call them to be told they would give me a corrected amount. I am still waiting to receive that information despite them having my email information.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (LA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (IL)

Was involved in car accident in XXXX of XXXX, insurance paid vehicle off and I received remaining funds of pay out. Loan was closed in XXXX but was reopened stating that I n had owed more money. I contacted finance company and no one could explain to me as why loan was reopened or what money was owed after payout. After 90 days I check my credit score to see that they reported my loan standing as 90 days late and has been reporting late payments up to XX/XX/XXXX. I contacted credit bureau and they validated it each time I filed a complaint. Contacted finance company close to end of XXXX and they submitted me paperwork saltatimg loan was never late or pass due and in fact it was clear and paid off back in XXXX of XXXX. Contacted credit bureau after my findings and after their investigation again they stated that my pass due amount were yet again valid. Contact finance company again after that and they said that they were working on it but after my recent dispute again, they notified me once again that finance company reported everything as valid.
Consumer complaint received 2024-03-15
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. (TX)

My credit report was impacted by XXXX, XXXX and Experian data breach resulting in my account being compromised. There are fraudulent accounts and derogatory information on my credit account that does not belong to me. Seek assistance to get them removed. Credit reporting agency refuse to provide any resolution.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear Experian Credit Bureau To whom it may concern : Account Name : XXXX XXXX XXXX Account Number:XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a past due balance of {$2500.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

Company : Experian ( https : //usa.experian.com/ ) Experian has for the past several years denied me access to manage my credit report on their website and have not successfully delivered a copy of my credit report to me despite making such a request. Every time XXXX contact customer service, their systems are having errors or they aren't able to pull up my information. 

XX/XX/XXXX : I attempted to create a basic account to access my credit report. Encountered a vague " Oops, we're sorry! '' error page with spinning gears that told me to call support. I call support, and they tell me I have several inactive accounts ( due to my attempts last year to freeze my credit ), and that I do not have credit history and I should get a credit history if I want to create an account. On a subsequent attempt to call support I am redirected to several support people, XXXX of whom starts an escalation with their " top-tier '' department, to investigate why I can't make an account and access my credit report. 

XX/XX/XXXX : Attempt to buy healthcare using XXXX XXXX XXXX XXXX XXXX Illinois. I get redirected to an experian identity check page. I receive the vague error page with the spinning gears that tells me to call support. I call support during business hours and after XXXX mins on the line, the line goes silent and there is no response. I have to hang up due to an appointment. 

Some time in XXXX : I attempt to put a credit freeze on my account and go through the process of creating an account on experian and experience the " Oops, we're sorry! '' error page with the spinning gears. I call customer support and they walk me through creating another account, but they claim their system is having technical difficulties and the " identity verification questions are not loading. '' Therefore we are not able to continue. They ask me to call back again later. I call back again later, and the same thing happens.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX To Citizens chairman Subject : Formal Request for Compliance Information and Demands Regarding Credit Application Dear XXXX, I trust this message finds you well. I am writing to follow up on my recent communications regarding the denial of my auto loan application and to formalize my request for specific information in accordance with the Equal Credit Opportunity Act ( ECOA ) and the Federal Reserve Act Section 16 ( 2 ). 

I have carefully reviewed your recent response to the Consumer Financial Protection Bureau ( CFPB ) complaint and the details provided regarding the credit application received from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. The vehicle applied for was a XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my name, XXXX XXXX XXXX. However, my concerns persist, particularly regarding the alignment of the denial with federal regulations. 

As the denial is a significant decision impacting my financial standing, I kindly request specific details outlining how my application did not meet the credit lending criteria, as per the ECOA regulations. This information is crucial for me to better understand the basis of the denial and ensure compliance with federal law.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CO)

I have taken on tremendous amounts of debt. Currently this is what I have to my name : XXXX XXXX XXXX - {$780.00}, XXXX ( Mortgage ) XXXX XXXX XXXX Bank - {$80000.00} ( Car Loan ) Chase Bank - {$100000.00} ( Car Loan and Credit Card XXXX XXXX XXXX - {$48000.00} ( Credit Card ) Total Debt : {>= $1,000,000} I would like to challenge each of these financial agencies on the basis that the money used to create the loans was made by fake XXXX entries and therefore fraudulent. Legal precedent is just about any fraud case, including the cases against XXXX and XXXX XXXX. 

If XXXX cant inflate assets, neither can XXXX, XXXX, XXXX, or any other organization. If XXXX cant fake journal entries, neither can the Federal Reserve. 

I have public quotes from banking institutions where they admit that they are committing fraud when they create loans. 


Warmly, XXXX
Consumer complaint received 2023-04-17
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: BMW Financial Services NA, LLC (TX)

On XX/XX/11 I received a call from a debt collector asking about a past due balance from a company ( BMW Financial ) that Ive never voluntarily established credit with. It was later confirmed that someone used my personal information to establish credit without my consent.
Consumer complaint received 2021-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX  is still reporting this fraudulent information to my XXXX, XXXX, and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2024-04-08
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. (PA)

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 2023-04-11
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. (TX)

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX  a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2017-04-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Altisource Portfolio Solutions, S.à r.l. (NJ)

I have had an issue with XXXX regarding a double charge XXXX for the sample flight. After numerous and multiple conversations, they promised they would take care of this issue. After years of speaking with them and repeating my issue, they did not provide me the required information. I have filed a claim in the past, case number XXXX. I was unable to get my phone recordings or get in touch with someone. 

That said, I have been contacted by XXXX ( employee ID : XXXX ), from Nationwide Credit Inc . I have been very responsive with him and requested I get written copies verifying who is he and his company is, as well as providing me with a form in the mail. Based on the last conversation, XXXX was the company who was contacting me, now it is a different company. 

It has been over two weeks since my last contact with Nationwide Credit Inc and still no letter. I am not clear who is responsible for this case anymore.
Consumer complaint received 2023-12-12
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. (TX)

on XXXX XXXX, certified mail was set to transunion, its contents included information off alleged identity theft, US government issued identification, and a notarized letter with my signed statement stating that the information listed was not a transaction made by me. 
According to title 12 us code 1681c-2 credit reporting agency has no more than 4 days to remove any information that is identified as a alleged identity theft. 
i called transunion on XX/XX/2023 XXXX, after receiving a letter that my request was denied. i spoke with XXXX XXXX of the specialized fraud department who stated i have rights when it comes to what is being reported on my credit report. i mentioned several times that according to title 15 us code 1681b written instruction y the consumer of whom it relates is needed and was told by XXXX XXXX that i have no right to this law. 
transunion continuously disregards the Fair Credit Reporting Act as well as the Consumer Credit Protection Act.