davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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. (MI)

Subject : Notice of Default and Opportunity to Cure REF : Dear XXXX, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. **1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Consumer complaint received 2023-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (AL)

Medical Revenue Services is trying to collect a debt on behalf of XXXX. I am a 100 % XXXXXXXX XXXX XXXX who visited an XXXX XXXX for assistance. The company took my XXXX  information and did not file with the insurance company. I do not owe the balance of XXXX. In XX/XX/XXXX, the company was contacted, on XX/XX/XXXX, I received a letter from XXXX XXXX I owe the stated amount. The collection agency sent a copy of the EOB ( explanation of benefits ), medical bill, a coy of my identification and XXXX XXXX  card. The EOB did not show XXXX submitted to the insurance company for payment. It also shows where admissions placed it as self pay, instead of insurance filed. It can't be self pay, if I provided my XXXX XXXX card. There is also no signed douments showing I chose self pay versus. This balance owed is due to their clients mistake. They should submit to the VA for payment as their timely filing limit is 2 years. Technically, the information is being reported inaccurately as the XXXX facility and their representative Medical Revenue Services has not done their due diligence.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I postmarked an envelope with a check on Monday XX/XX/XXXX from XXXX, CA to XXXX, TX. XXXX was not posted until Sunday XX/XX/XXXX, a non-business day that was also one day after my payment due date. I found this very unusual and called to request an explanation, but was given none. 
I spoken to customer service agents multiple times over XX/XX/XXXX to XXXX. The company only offered in a deceptive matter to take care it but as I listened to their offer, using deceptive wording, they were only offering to split the late charge with me. That is not acceptable to me. They have refuse any request to file a complaint internally. Ive also been hung up on by agents for requesting assistance to file an internal complaint. There is a consistent pattern where every agent says there is nothing they can do to resolve this or to help me file a complaint. This bank needs to reform.
Consumer complaint received 2024-05-09
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: CAINE & WEINER COMPANY, INC. (VA)

I have asked the representative from the Caine and Weiner to provide me the original contract stating that I gave XXXX permission to share or sell my information to any other company. They have yet to do so as well as I have been receiving invoices from XXXX directly but this debt collection agency is asking me to pay over {$1000.00} to them for this debt via a credit card that XXXX Closed and I was still paying on the card and it shouldn't have been closed. It was a net XXXX account and has been assigned to multiple team members at Caine and Weiner. When I tried to work out a payment arrangement with them the were very demanding. I also asked them if they could send me something in writing via US Postal Mail and they have refused. All correspondences have been via email. I have also sent them a Cease to Desist Letter as well and they are constantly harassing me. The are in violation of the FDCPA law 15 USC 1692g and 15 USC 1692 c ( c ) and I would like to report them. I owe a balance of {$500.00} something to XXXX and they are trying to collect that and there fees. I am unable to speak to someone at XXXX to pay the debt because they sent my account over to Caine and Weiner without me giving them permission to share my info and this was not in my original application that I signed.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting on both XXXX and TransUnion information that shows inaccurate and conflicting information. Not only have I been shown any information verifying the account does belong to me and not my adult son, but I have yet to see any payment history, any documents with my name on them, or any proof this is actually my account. 
Also, the information being reported by both, is different! They both have two different open dates, and two different active dates. They can both be wrong, but they both can't be right! 

Please remove this account from my credit report, as it is hurting my score. If you are unable to verify and report XXXX percent accurate reports, I want them removed.
Consumer complaint received 2024-05-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp. (MP)

On XX/XX/XXXX, I received a call from United Auto Credit regarding a car that I " purchased '' through XXXX XXXX XXXX in XXXX XXXX I live on an island called XXXX which would require me to spend hours on a plane to even get to the XXXX let alone XXXX XXXX. I do not live nor have I been to XXXX XXXX since XXXX ( for basic training ). I explained to the agent that I did not purchase a vehicle on XX/XX/XXXX. The person had my date of birth and the last XXXX of my social security. I was informed that they will investigate and get back to me. I received a call the following morning at XXXX ( time difference ). I did not get that call, so I got on their website to speak with a live agent who then instructed me to file a police report. I then requested for any documentation of this purchase and it was emailed. I was able to do the police report with the screenshots of my conversation with the agent as well as the " vehicle contract '' I received in my email. I was only able to get the front page of the report which only stated my information, my case number, and the classification of my complaint. Getting anything else will require a detective, which I am waiting for. I was told that may take a week or XXXX. I also tried to run my credit report to see if this vehicle loan was on my creidt history, but I am unable to be identified for a credit report. I have tried XXXX different credit bureaus and I am left with the same issue... I can't be identified. 
I have done a little research of the location of the dealership on XXXX maps and the last photo was in XXXX of an empty lot. The address of the person who used my identity to purchase the vehicle in XXXX XXXX is a XXXX XXXX. 

I need any help I can get.
Consumer complaint received 2024-05-25
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. (IN)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
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. (GA)

Accounts reporting " Late Payment '' Accounts reporting " High Utilization '' Every consumer reporting agency shall maintain reasonable procedures to ensure accuracy to avoid violations per 15 USC 1681c IT IS A VIOLATION OF LAW TO REPORT TRANSACTION HISTORY!! 

THE PRIVACY ACT OF 1974. 15 USC 1681n Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

15 USC 1681 Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 15 USC 6801 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical Data Systems, Inc. (NC)

I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what MED DATA SYS company is nor have I ever had an account with this company update** I reached out to MED DATA SYS, it was stated that this company could not locate an account for me but they're still reporting on my credit profile
Consumer complaint received 2024-01-10
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: SYNCHRONY FINANCIAL (NY)

I Have Hard Inquiries On My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, And Snychrony Bank. I Have No Acknowledgement Of These Inquiries.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I received an unsolicited correspondence to my private from Portfolio Recovery Associates , LLC - who also addressed the entity as PRA, XXXX falsely stating that I owe an alleged debt to Portfolio Recovery Associates , LLC. I have no idea who this entity is that refers to the nature of their business as debt collectors. There has been no provision of an original contract or binding agreement complete with signatures between myself and the alleged debt collector. There is no validation of debt, and no consideration of written, verbal, or implied agreement between myself and this entity. That is grossly egregious, misleading, misguided, and inaccurate. It is unacceptable and concerning with regards to the abuse of misinformation and fraud on the basis of theft of identity as they have my personal information without my direct authorization, permission, or consent. This company has abused their practices and responsibility as an alleged debt collector. It is gross misconduct and abuse of the practices as a debt collector and is not tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC. (SC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a Bank of America Visa holder for approx 15yrs. I recently accepted a balance transfer offer with a XXXX APR if paid by end of XXXX. Additionally offer states a " 3 % transaction fee '' which will increase to " 4 % '' unless I contact BofA to reject by XXXX. Today, XX/XX/XXXXXXXX  @ XXXX I phoned to reject the 4 % increase and retain the 3 % fee already charged. Customer service XXXX states the policy on their end is to advise my account will be closed if I reject the 4 %. I read my offer & fine print verbatim and the terms to call with rejection of increase and nowhere on the document ( s ) is a threat to close my account if not accepted. He continued to verbalize all he could do was close my account. I requested an escalation however no manager available to speak to me.
Consumer complaint received 2024-01-08
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: CAVALRY INVESTMENTS, LLC (MA)

This company is trying to collect a debt that was NOT validated upon request by XXXX. 
XXXX then sold the " uncollectable '' debt to this collector. By virtue of laws and statutes, the failed validation by XXXX carries for the debt itself, and is DOES NOT become collectable because is was sold or purchased by a third party debt collector. The debt is still uncollectable, may not be reported, and is no longer subject to litigation by Federal laws. This company has been noticed and given 72 hours to remove any and all derogatory information from reported trade lines. failure to do so will lead to litigation by myself, the claimant, against the collector and XXXX. 

Under the guidelines and Federal laws supporting validation of debts, and the companies failure to meet the standards, I demand the derogatory information be removed with prejudice.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : Revvi Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} XXXX kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]
Consumer complaint received 2023-09-25
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX : {$280.00}.
Consumer complaint received 2024-05-09
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: LEXISNEXIS (PA)

Immediate Deletion of Unauthorized Information from Credit Reporting Agencies I demand that LexisNexis Consumer Center immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.