davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (CA)

{$200.00} Medical debt for XXXX XXXX on a XXXX. Doctor was coverage by the insurance. The lab I found was not covered being out of network. The insurance company said they would pay for usual and customary amount to the uncover lab. The lab would not take this wanted full amount. The lab said they would work it out with the insurance company for a dollar amount. The insurance company wanted to pay a partial but the lab would not take it. I contact the lab said only full retail amount would be acceptable but would contact the insurance company again to ask for full payment. Instead they sent the {$200.00} Debt to SCA collections. I explained the mix up to SCA. They would not listen. Placed debt into credit collection on my credit reports. I have over 10k in my HSA account. The money was not the issue but the amount and billing from LAB and Insurance. This should have never gone to collections. I filled a dispute with the three collection agency 's. The letter stated the information above. Two of them removed it. XXXX would not. They stated it must come from SCA collections I called them again. Asked for to remove it.They WOULD NOT remove it AGAIN. I know I spent more than {$200.00} worth of the various company 's time to trying to remove it. I paid the {$200.00} in XX/XX/XXXX. XXXX shows it closed in XX/XX/XXXX. Again This is wrong. This is holding up my new home 's  mortgage rate reduction. I have NEVER missed a payment. This all over a {$200.00}. If you need car repairs you get en estimate, If you need a service Painting etc.. You get estimate. Only in medical none emergency you can't ask for a estimate and review before you get the service. Something as to change! They can charge and use any medical supplier they chose. There is NO checks and balances.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (AL)

I had a background check done and it went back to XXXX and XXXX and I had no idea that those charges was still on my record because they were supposed to been cleared and has of a result I was denied XXXX  for the company that I applied for
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (GA)

All inquiries are fraudulent as Ive not apply for anything in the past 3-4 years so all recent inquiries from any company is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And more
Consumer complaint received 2023-05-04
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. (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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Once again i am writing this complaint after trying to reconcile with your company. I have asked for the account to be permanently removed from my credit report. I have asked numerous time for the debt to be sent back to the original creditor. I have been going the reps on top of reps to getting this issue resolved. I have told PRA i do not want to work with a debt collector that i would rather resolved the issue with the original creditor. I am now asking for compensation of {$1000.00} do to this account having a negative impact on me. I'm asking for a full removal as i have already told PRA i am a victim of identity theft and that i don't know anything about this account
Consumer complaint received 2023-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I'm a single woman that works full time. I have been making my mortgage payment fine for years on time, This company Select Portfolio servicing out of no where took my monthly payment to {$4500.00}, in XXXX of this year, they did not give me any warning, I would call this mismanaging of my mortgage on their behalf on my mortgage. I feel like I'm being preyed upon they tried to do this same thing in XX/XX/XXXX. Like in XXXX they had me feel out a ton of paper for financial assistance. Which I did not need until they increased my mortgage I was doing fine I have worked with my company XXXX XXXX XXXX now for over 10 years. I make {$80000.00} a year sometimes more or less. My loan number with SPS is XXXX they say their are no financial options for me. they are a evil l company they have done the same thing to other people I know. my Payment is now increased by {$790.00} a month. Where is a woman at the age of XXXX to come up with this extra money. I need your help, they are trying to take away my house that I have lived in for 27 years
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (PA)

This complaint shall be labeled as a follow-up to my previous complaint. I want you all to remove the erroneous items in my file for they have not affiliated with me and are inaccurate. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-09
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: Early Warning Services, LLC (NY)

Early Warning Is Blocking me From Opening Up Checking Accounts With XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this Early Warning Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My Early Warning Consumer Report. a Police Report and Identity Report from FTC Was send And Early Warning Denied the Information and al the Disputes where denied ...
Consumer complaint received 2024-04-10
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. (FL)

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 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (GA)

I've filed a complaint with this company before on XX/XX/2021 SETF/Wofc Ive sent proof police reports thats my identity was stolen Ive never obtained a loan from this company they keep verifying my loan this loan is fraud Ive never did business with this company I want this item deleted its affecting my credit negatively and causing me serious distress. This company will not accept my police report from my local agency I'm not understanding why I've sent in over 5 fraud packets, and they are ignoring me this is illegal this has been going on for 5 years I'm prepared to sue them.
Consumer complaint received 2024-04-10
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX XXXX XXXX XXXX  Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc. (MA)

So this is kickoff, it advertises that you can get a line of credit and everytime you use that credit or use their debit service they will report that you have made a payment. Now with this credit it's in store credit which is never stated until after you have made an account. Now the is inaccessible most of the time and it only offers additional services that you have to pay for. It's not a real line of credit which is what was advertised. The other part is that I paid the first {$5.00} needed to start plus an additional {$5.00} for the following month. When I looked at my credit utilization it was at 7 % despite me never actually using any of their credit and paying in advance. When I connected them asking I got a very generic message that didn't answer my question as to why my credit was utilized and about the marketing issue. My credit has also gone down since I signed up with this service.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CT)

The purpose of this letter is to outline the facts of Ms. XXXX dispute with Well Fargo from my perspective. 

In XX/XX/2018 I discovered that a significant sum of money, approximately {$7000.00}, was taken out of my XXXX  XXXX XXXX checking account without my authorization. Upon this discovery, I submitted a fraud claim with XXXX  XXXX XXXX and XXXX XXXX XXXX provided me a {$7000.00} credit while they performed their investigation. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that because my username and password had been used for the transactions, they considered that an authorized transaction, denied my fraud claim and reversed the {$7000.00} credit from my account. No money was put into my account based on my claim and I subsequently closed that bank account with XXXX  XXXX XXXX. 

After receiving the fraud claim denial from XXXX XXXX XXXX, Ms. XXXX contacted me because {$2600.00} from her savings account and {$200.00} from her checking account had been taken from her Wells Fargo account stating that it was a partial reversal of unauthorized transfers. It was only at this time that I knew where the money gone ( Ms. XXXX bank account ) when it was taken out of my account without my consent. It was at this time that I discovered that XXXX XXXX, Ms. XXXX daughter and my ex-girlfriend, had taken the money out of my account under the pretext that it was to pay bills relating to the apartment XXXX and I were living together prior to the breakup. Ms. XXXX informed me that she was not aware of the fact that XXXX and I had broken up and that she was only involved in the situation thinking that the money was to pay bills. 

Because XXXX XXXX XXXX had denied my fraud claim and because I believe that Ms. XXXX did not know that the money had been taken out of my account without my permission, I agreed to help Ms. XXXX retrieve the money that had been taken out of her account as a partial reversal of unauthorized transfers. 

During the process, Ms. XXXX and I spent an absorbent amount of time on the phone with both XXXX  XXXX XXXX and Wells Fargo on numerous occasions in a failed attempt to retrieve Ms. XXXX funds. This included having to take time off work to make calls and to visit the banks in person. Both banks have pointed to each other as the reason the funds have not been returned to her and we were unable to come to a resolution. 

Ms. XXXX has kept prodigious notes which I have reviewed and I defer to Ms. XXXX notes for additional detail regarding specific dates and times we met with both banks. 

For any additional information, please feel free to contact me at XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-16
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. (MI)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2018-08-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (TX)

I secured an auto loan through XXXX XXXX XXXX ( American Honda Finance ) in XX/XX/XXXX. I have made all on-time payments and have paid as agreed according to my contract. Due to unforeseen circumstances, I filed for chXXXX bankruptcy on XX/XX/XXXX. I contacted American Honda Finance on XX/XX/XXXX and spoke with XXXX XXXX. I communicated that I would be re-affirming the auto loan to continue to pay outside the bankruptcy. I was told that once the re-affirmation agreement was received and the bankruptcy was discharged, my onetime payments would continue to be reported to the credit bureaus. This was the deciding factor to indeed proceed with a reaffirmation agreement and not surrender the vehicle. The reaffirmation agreement was presented to me and I signed it XX/XX/XXXX and American Honda Finance filed it with the court XX/XX/XXXX. The agreement was a reinstatement of my original contract terms with Honda/XXXX  XXXX. I once again confirmed with XXXX XXXX on XX/XX/XXXX that my payments would report the the credit bureaus after my discharge on XX/XX/XXXX and was told the account would start reporting payment history after discharge. As of XX/XX/XXXX, my bankruptcy is discharged. I received an email alert from FICO on XX/XX/XXXX that there were changes to my credit report and discovered that XXXX/Honda Finance had removed my entire account history from all ( 3 ) credit bureaus. I also discovered that my score declined between 50-70 points among the bureaus. I called XXXX/Honda Finance immediately on XX/XX/XXXX and spoke with XXXX who advised me that any account included in bankruptcy, regardless of reaffirming the account and regardless of the current payment status would no longer be reported to the credit bureaus. I asked when this policy change and she stated " recently '' and could not provide a date. I was not allowed the opportunity to speak with a manger. I now have a 60 month remaining term, a balance of {$40000.00}, a monthly payment of {$880.00} and a car that is only worth {$35000.00}. I will not be able to refinance this vehicle, and my credit has been harmed with this policy change. This is highly unethical as I have made all payments on time and I re-affirmed my obligation to Honda/XXXX XXXX with the promise that my timely payments would be reported to all bureaus as before once my discharge was final.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I filed disputes with each credit agency ( XXXX, Experian and XXXX ) regarding the student loan balance with XXXX 
My XXXX loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that information is inaccurate.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You guys are reporting a fraudulent item on my credit report. Not only is against federal law, per foray section 605b XXXX XXXX XXXX XXXX XXXXXXXX is direct fraudulent Police report id affidavit along with the copy of law and two forms of identification are attached you are also breaking hippa laws.