davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (NJ)

I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2018-11-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc. (OH)

On XX/XX/2018 I was taken to XXXX XXXX Hospital ER seen by the ER doctors who admitted me. Upon arrival, registration came to my room to assure they had the proper insurance information/address on file, scanned in my insurance card, and my drivers license. My XXXX Insurance is covered by XXXX XXXX XXXX XXXX XXXX through my retirement company, XXXX. My drivers license had the correct address XXXX, OH. The hospital billed XXXX XXXX XXXX XXXX XXXX for the date of serviceXX/XX/XXXX-XX/XX/XXXX ; and received payment in full. My insurance card/license both were scanned in the ER Room by the hospital registration. I never received any bills at my address, never received any phone calls until XX/XX/2018, when I got a call from XXXX XXXX XXXX XXXX telling me that the XXXX Hospital ER Doctors sent me to collections for {$1100.00}. I told XXXX in collections, I have insurance, my insurance will pay all of that bill, & my insurance card/drivers license with my address were scanned in the ER room upon arrival. It was discovered after our in depth discussion XXXX billing for ER doctors errored, they never billed my insurance company, & had a non existent address on file for me that I have not resided at in over 3 years. Since the ER doctors work in the ER room at the XXXX Hospital, & they scanned my health insurance card/drivers license with all the right info for payment to be processed there was no reason for them to not have billed my insurance carrier. XXXX told me she will try to put the bill through to my ins but if they don't pay it due to the time lapsed for billing I am going to be liable for this bill. I called XXXX billing spoke to XXXX, she stated they billed XXXX XXXX directly, & it was rejected by XXXX they stated I had other health insurance coverage. I told her my XXXX coverage is under XXXX XXXX XXXX XXXX XXXX & that card was scanned in the ER at XXXX Hospital XX/XX/18. She stated they sent a notice to XXXX MI where I have not resided in over 3 years. I told her XXXX Hospital has my accurate address they scanned my license/insurance on XX/XX/18. She stated there was nothing they could do its in collections its up to them to get payment from insurance, or me to avoid it going on my credit report. I called XXXX Hospital Billing supervisor who told me this is error of XXXX Billing for the ER doctors at XXXX Hospital for failure to use the accurate insurance information/address that they have on file which was scanned in XX/XX/18 in the ER Room.I called my ins company to see if XXXX billed them for XX/XX/18 they stated they did not. I was told to contact XXXX billing tell them to send the bill to them with explanation they billed XXXX directly. I called again, talked to XXXX, she stated they wont rebill anything the collection agency has to, it is up to me to work with them to prevent the unpaid bill going on my credit report.
Consumer complaint received 2024-03-23
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. (PA)

Student loans totaling {$48000.00} 1st- high balance {$16000.00} 2nd- high balance {$13000.00} 3rd- high balance {$10000.00} 4th- high balance {$7700.00} 5th- high balance {$8000.00}.

I have submit request to the credit bureau to items removed or some sort of action be taken otherwise. Request were submitted through credit bureaus.

These loans were granted during the time at her educational institution ( approximate time of acceptance until XXXX  )
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint COULD NOT DEPOSIT BECAUSE ATM CARD NOT WORKING. BANK INFORMED AND VERIFIED ACCOUNT IN GOOD DTANDING AND WROTE OFF FEES AND ISSUED NEW CARD. 1-DUE TO SCHEDULING ATM ONLY AVAILABLE BANKING METHOD 2-CALL TO BANK RE MALFUNCTIONING CARD DOCUMENTED AND BANK WAS CLOSED. HAVE DOCUMENTED MSSAGE FROM BANK. 3-WAS TOLD ALL IN ORDER - WAIT FOR REPLACEMENT CARD, 4- CARD MAILING NOTICE SENT-HAVE DOCUMENTATION E-MAIL. 5-WROTE CHECKS - MAILED- WENT TO ATM WITH DEPOSIT BUT NEW CARD WOULDNT WORK. 6-CALLED BANK AND TOLD ACCOUNT WAS FORCED CLOSED ON XX/XX/31 BECAUSE AN AMOUNT OF {$2.00} WAS OWING AND ACCOUNT WOULD NOT BE REOPENED, BUT " GOOD NEWS '' IS THAT THEY WOULD NOT COLLECT THE {$2.00}. 7-THEY DIDNT CARE IF IT WAS ONLY XXXX OWING AND IT WAS TOO BAD NO NOTICE WAS EVER SENT. 8-THEY SAID I COULD OPEN ANOTHER ACCOUNT-AND IT WAS TOO BAD ABOUT THE OUTSTANDING CHECKS! 9-THEY SAID THEY WERE NOT OBLIGATED TO LET ME KNOW THEY HAD CLOSED THE ACCOUNT!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NY)

I am writing to file a complaint against Truist Mortgage for falsely reporting that I discharged my mortgage with them in XXXX in bankruptcy, while living in North Carolina. This is a LIE and this error needs to be removed from ALL 3 credit reports ( XXXX, XXXX, and XXXX ) immediately! 

I sold my home in North Carolina that was financed by Truist Mortgage in XX/XX/XXXX and the lender was paid COMPLETELY in PERFECT standing. 

This false information has caused me to be denied a mortgage by another lender, which has damaged my credit score and reputation. I demand that Truist Mortgage correct this error as soon as possible and send me a written confirmation that they have done so. 

If this error is not fixed within 30 days, I will seek the assistance of my NY Attorney General and pursue legal action against Truist Mortgage for the damages they have caused me.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

I was contacted by LVNV Funding LLC about some alleged debt in my name. I have had fraud on my account through the XXXX XXXX and also by several other methods. When they reached out to me, I was not given notification as required for this debt. As soon as I seen it on my credit, I disputed it and won. It was removed off my credit. 30 days later, XXXX of the said debts re-appeared. XXXX was for XXXX and XXXX. The XXXX was removed for over a year and now has reappeared. Neither debt was verified as requested, I was not given any validation of this debt as I requested multiple times. I asked them to stop contacting me about this debt and they still continue to contact me. How can you remove debt for over a year and then its put back on my credit without verification, proof that the account was properly transferred to their ownership and that they are legally able to collect such debt. I have fought the inaccuracy with All three credit bureaus. This has ruined my credit and life. I can not get a house or anything for that matter. They have the debt as being opened when it should be listed as closed. They have the opened date in XXXX of XXXX, when this alleged debt was opened in XXXX. They have the age of the debt as being 1 year and 4 months old when that is incorrect. They are rotating putting the accounts on my credit. At first both amounts where on my credit and I disputed them. The XXXX debt was token off my credit for over a year. Now they took the XXXX debt off my credit and now putting the XXXX debt on my credit only. Are they allowed to toy with my credit like this? They are posting past due when the account is not past due. At what point are they not allowed to do this, All I ever asked for is verification of debt with my signature and proof they the Authority collect said debt. I " asking if someone could look into this please. Again All i am asking for is verification.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (NC)

On or about XX/XX/2024, I disputed the {$740.00} ( XXXX XXXX XXXX XXXX dollars and XXXX cents ) charge posted on XX/XX/2024 ( See attached ). The credit card company was sent a copy of my letter that requested a refund from the merchant ; otherwise, there would be a charge back to my credit card. Meanwhile, the card issuer did not give me a temporary credit for the amount. Furthermore, during today 's telephone conversation, the employee said that my dispute was denied on XX/XX/2024. However, she could not provide any documentation to support the merchant response to my letter. Still further, she said that is was " not our job to contact the merchant for you. " Lastly, this was a flagrant violation of the Fair Credit Billing Act ( FCBA ) that provides, among other things, temporary credit, card issuer help the consumer with the merchant, and the disputed amount be charged back to the credit card when the merchant fails to respond. ( See attached )
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

CapitalOne suspending the BillPayer portion of its app. The resulted in my ebills not showing up, so I no longer know what is owed and when payment is die for these vendors. As a result, I missing paying a quarterly bill from XXXX and had to pay a fee for the late payment. 

CapitalOne provided no notice that BillPayer would be suspended and ebils would no longer be available. I suspect there are other CapitalOne customers who experienced the same thing and have also suffered economic loss ( i.e. fines and fees for late payments ). 

CapitalOne can not say when the BillPayer will be available again.
Consumer complaint received 2023-12-17
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: BARCLAYS BANK DELAWARE (NY)

There are inquiries that I do not have accounts to or apply to. I would like them removed. 

Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card I only have a bank account with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-25
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: Resurgent Capital Services L.P. (IL)

Both XXXX and LVNV Funding are reporting false information on my credit report. According to their records I have a charged off account with XXXX XXXX XXXXXXXX XXXX as of XX/XX/2023. I did not have an account with XXXX XXXX at that time and have not had an account with the company in quite a while. These XXXX companies have failed to provide me with an itemized list of what these charges they are claiming I owe are for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that comenity bank XXXX XXXX has sold this alleged debt to this company.
Consumer complaint received 2018-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (SC)

A medical collection was placed on my credit reports by XXXX XXXX XXXX. The medical account was fraudulent and was removed on XX/XX/2018 in the amount of XXXX. The original creditor was XXXX XXXX XXXX. 

I received an alert stating a collection was placed on my credit file. A company called XXXX XXXX has placed the same collection on my credit reports. I have never heard of this company nor did the company give me any notice or right to dispute, had they did what they are required to do according to the XXXX they would have known that this is a fraudulent account. What XXXX  XXXX is doing is illegal!!
Consumer complaint received 2024-03-16
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. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (KS)

I signed up for CareCredit through Synchrony Bank on the advice of my XXXX at XXXX XXXX to obtain XXXX. After signing up I paid diligently until the principal was paid. Suddenly I received a bill for XXXX more dollars for not paying the added " payment insurance '' that I supposedly signed up for. I do not require payment insurance and would not have chosen this option. Nor did CareCredit alert me that I was not making payments on a very high interest rate additional fee for insurance. Right as we were ready to close the account because we had paid, we received the additional billing information. When I called CareCredit a man offered to close the account for XXXX. I disputed paying CareCredit XXXX, a randomly made up number. When I said I was not willing to do that, the man laughed and said " it is not that much money. '' The conversation was so strange, and it has become clear that I have been misled, and a victim of deceptive credit card enrollment tactics and that CareCredit is a criminal enterprise.
Consumer complaint received 2024-02-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I have requested that the company cease and desist all communication the company is not authorized to collect a debt from me I do not own a debt with them! They refuse to stop reporting on my credit. I have revoked all rights for them to communicate with me
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I am filing a formal complaint against Marcus by Goldman Sachs regarding inaccuracies in the reporting of my account account number XXXX. 
Upon reviewing my credit report with XXXX, XXXX, XXXX I have discovered that the account in question is reported as a charge-off. However, I believe this information is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : I wrote a dispute letter on XX/XX/2024 regarding this charge off account. Marcus by Goldman Sachs responded with a verified letter stating the history of the payments made. I did not dispute any of the payment history or whether this account at one time belonged to me or not. I was disputing the fact that Marcus labeled this account as a charge off. This account statutes are inaccurate. 
Inaccuracy of Charge-Off Status : The account has been inaccurately labeled as a charge-off. I dispute this status, as my understanding is that a charge-off is considered income by the IRS, and income is not meant to be furnished into my consumer report. Therefore, reporting this account as a charge-off is misleading and violates the accuracy requirements of the FCRA. 
Violation of FCRA : The Fair Credit Reporting Act clearly outlines the obligations of creditors to report accurate and up-to-date information. The inaccurate reporting of a charge-off status on my account not only misrepresents my financial situation but also violates the FCRA, which mandates that consumer reporting agencies and creditors provide accurate information. 
I kindly request that the CFPB investigate this matter and take appropriate action.
Consumer complaint received 2024-02-17
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: Grain Technology, Inc. (TX)

I recently reviewed my consumer report and I noticed that there were XXXX late payments and XXXX late payments with Grain Technology Inc., and XXXX late payments with XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in XXXX XXXX XXXX ( XXXX  ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with Grain Technology Inc. for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.
Consumer complaint received 2024-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America Credit Card Billing/ Fraud Department XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2024 Re : Dispute of Fraudulent, Unauthorized Credit Card Charge Claim ID : XXXX To Whom it May Concern : On XX/XX/2024, I was traveling in XXXX, XXXX XXXX, XXXX XXXX I stopped for gas and paid the attendant with my Bank of America credit card. Unbeknownst to me, when I asked for a receipt, he turned around and must have inserted my card for a few seconds into a different handheld card reader. That evening, when I stopped at my hotel and had wifi again, I received emails about the two charges which were one minute apart. 

The one for gasoline was the expected {$40.00}. The other was for a horrifying {$1100.00}, to XXXX XXXX XXXX XXXX. I have no idea what that is, and yes I tried unsuccessfully to XXXX it. I immediately called B of A that same day and reported the unauthorized charge, within eight hours of its occurrence. I had to use my travel companions phone since mine doesnt work internationally. We didn't have a good connection, but I tried to explain as best I could what happened. 

My claim was denied. When I got home, I called to appeal and later received the same form letter of denial. Needless to say, I am unhappy. I did not make this charge. I was at a gas station and it would have been impossible for me to rack up such a charge there ( one minute after buying gasoline, while sitting in my rental car ). The representatives I spoke to could not even tell me what I supposedly purchased. 

I believe that this unauthorized charge should have been flagged as pending since it is so out of character with my usual charges ( limited to hotels, restaurants, gas, and rental cars ). I only use this card when traveling internationally. I have been a customer of Bank of America for many years and this is the first time this has happened. I did have something similar ( different bank, similar amount ) happen several months ago at a local restaurant, when my card was brought to the kitchen. XXXX immediately listed the charge as pending, and when I communicated with them that I did not make the charge, they dropped it from my account. I think that Bank of America should have done the same, especially since it was such a large amount. 

Bank of America advertises XXXX liability for fraudulent charges, yet is holding me accountable for a very expensive charge I did not make. The Fair Credit Billing Act limits my liability to {$50.00}. Therefore, after two phone appeals, I am putting my concerns in writing and reporting this incident to the Consumer Financial Protection Bureau. 

Please contact me if you have any questions. I am still expecting this unauthorized, fraudulent charge to be credited to my account. 

Sincerely, XXXX cc : Consumer Financial Protection Bureau
Consumer complaint received 2023-04-14
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. (IL)

XXXX 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. This company has stated numerous times I have no account with them, so reporting to my credit report is illegal. Ive tried to solve this problem several times with all three credit bureaus. First I was sent someone elses personal information which is a violation under the FCRA. This account has stated, I have no account with them so please remove this account from my credit report.