davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT RESOLUTION posted a random medical bill on my credit report but I dont know this company or what they are trying to collect. Addittionally I have never done business with this company I mailed them a certified letter requesting all information about the debt. The letter i sent stated I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. I have yet to receive a response from the company
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank has been calling us multiple times a day looking for XXXX. There is no XXXX  here which we have communicated to them. They continue to call us from XXXX XXXX and XXXX. I have blocked other numbers which I do not know how to access. My husband has repeatedly told the gentleman at the XXXX that he had the wrong number. 
Calls on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These calls are from just the 3 numbers listed above. I have not included the blocked numbers as in all fairness, not all my blocked calls were from Comenity Bank.
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Someone logged in my navy federal account and signed for a loan under my name. I filled out a form with them but they said it was still my loan to pay. It was opened in 2020 and is now charged off.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid 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. (HI)

I have tried countless times to get a solution and they require you to have a certain income in order to give you one!! i dont have any money! I dont have a phone! How the XXXX am I supposed to talk to a representative and NONE of their contact forms work for people in my situation. They have absolutely no customer service available to disadvantaged customers! They say talk to their XXXX? They tell me nothing! They say call in! i explain I have no phone. They say nothing back! Secure message center?? Whenever you select the right options, it says call this number! There is no actual support!
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have a world elite mastercard from HSBC USA. I enrolled in Auto-pay on my account. I checked back on my account later and noticed that my payment was not submitted according to auto pay schedule despite auto pay being enrolled. 

I then called HSBC customer service. The customer service rep said that he recommended that I still manually check my account on the payment due date because sometimes auto-pay does not submit the payment for the first few cycles ... despite the auto-pay disclosure stating that it would submit on the next due date ..... I was charged with over {$100.00} in interest and late fees very clear false advertising.
Consumer complaint received 2024-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (MI)

We have a 20-year loan to purchase a recreational vehicle through XXXX XXXX . With the XX/XX/year>2024 payment, my husband sent an additional amount to be applied to principal. When he noticed that XXXX XXXX  had not applied the extra payment to principal but as an additional regular payment, he called the bank on XXXX XXXX, 2024 at XXXX and spoke with XXXX. 

XXXX s

tated that the type of loan we had did not allow for additional principal payments, and all overpayments were applied as future payments. There is nothing in our loan agreement that states we can not pay additional principal. Additionally, the individual in finance at the RV dealership who assisted us with obtaining the loan did not state we could not make extra principal payments even though my husband expressly told him it was our intent to make additional payments on principal. We would like to refinance, but the payoff amount seems to be the amount owed plus all interested that would be paid if we were to payoff the RV at the end of our 20-year loan and not the amount of interest currently owed.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MI)

I had account with XXXX XXXX open this account in XXXX XXXX., I'm in good standard with XXXX XXXX i was approved for XXXX dollars the company deducted my credit limit to XXXX dollar without a reason .I notice that my account was closed without noticed this adverse action my account should have not been closed according to 12 cfr 1026 ( b ) ( 1 ) ( 2 ).
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have disputed this account multiple times yet it comes back verified by XXXXXXXX XXXX. I contacted XXXX XXXX and they have no record of Bankruptcy with them. How is Experian verifying this information falsely.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

At my work email I got the following email below the line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- We've permanently limited your account 1 message Zelle XXXX Tue, XXXX XXXX XXXX at XXXX AM Reply-To : Zelle XXXX To : XXXX Zelle Logo. 
Your account has been limited Recently we have limited your access. 

Possible unauthorized account access. 
Unresolved buyer disputes or credit card chargebacks. 
We need some information about you. 
Click the button below to secure your account and regain access. 


Secure My Account
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a few accounts that I do not recognize on my credit report. I would like them to be re-investigated. My name is XXXX XXXX and not the XXXX XXXX XXXX either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please delete the following account : 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 2022-09-17
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: Experian Information Solutions Inc. (NY)

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written consent. 

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 XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

According to FCRA all unverified accounts must be verified as accurate information in order for it to appear on my credit report, or, if the accounts are unverifiable it must be removed from my credit report. 
XXXX CO XXXX account # XXXX claims that I owe XXXX XXXX As an unverified account I demand that proof of debt and also proof that the court order was presented with a seal and signed by a clerk under case law 28 USC 1961.
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX account # : XXXX has violated my rights Under the FCRA and the FDCA. 

Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE!

They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; This consumer has contacted me multiple times without consent and sent me letters. 

As well as under 15 U.S.C 1692b section 3 that states. Shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt.

Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

After breaking all of these laws and violating my rights I demand justice and for the account above to be deleted from my credit report.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good afternoon, My Kohls 's credit account was closed in XXXX of 2022 even though I made the minimum payment of {$31.00} back on the due date of XX/XX/XXXX of 2022. I then receive an email stating that my new minimum payment would be {$60.00} even though it was submitted via Kohl 's website on XX/XX/2022. I then didn't make the payments for XXXX and XXXX as I tried to get this corrected with Kohls but never did. I then make the payment of {$200.00} to keep the account current on XX/XX/2022 which was due at the time, via debit card so the payment should've been processed right then. According to my bank XXXX XXXX XXXX, the payment was never processed or attempted to be processed by Kohls. Now I receive a letter stating the new minimum balance due is {$350.00} and my account has been closed. I feel cheated and taken advantage of.
Consumer complaint received 2022-09-18
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: CLGF Holdco 1, LLC (FL)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor ay not tdreat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (FL)

In accordance with the 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.
Consumer complaint received 2022-12-21
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. (UT)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2023-04-10
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: FORD MOTOR CREDIT CO. (CA)

On XX/XX/2020, I paid off this account in full and Ford Motor Credit agreed to remove any negative marks on my credit report for this account. The amount they are claiming as a charge-off was actually the same amount that was paid to them. Therefore no money was charged off. My vehicle was totaled in an accident and the amount I paid was the deficiency amount left on the lease. Ford is insisting that this is correct. I disagree how can they continue to harm my credit for an amount of money they collected nearly 3 years ago.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (OH)

I originally contacted the debt collection company midland credit management in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize. I would like this accounts immediately remove from my Equifax credit report : Account name : XXXX XXXX. Acct XXXX. Date open : XX/XX/XXXX, XXXX charge off date : XX/XX/2022. 

I Contact the creditor and spoke with a young lady by the name of XXXX, the agent was completed disrespectful and didn't assist me in what i needed regarding the account. 







If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-12-20
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. (TX)

I received my reinvestigation results back from Equifax. They said everything was 100 % complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ). 

Because the list of accounts below is not accurate. The date open, date of last active/activity, and date of last payment are NOT 100 % accurate. 

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 They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ). 

I attach a consumer report as evidence.
Consumer complaint received 2024-03-06
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 had a late payment on an old credit card that i had not used in a year. Someone used it on my familys joint XXXX account for XXXX shopping and i was unaware of the charges. When i finally realized the charges I quickly paid the balance and closed the account. I did not realized the closed account would be marked as delinquent even though it is paid off in full.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to my TransUnion credit report true identity account my personal information is incorrect everything on there not valid cause my personal information to be incorrect I requested everything should be removed off my credit report an middle name need to be removed as it provides on state issue identity card provide by government law everything must match I requested everything should be removed off my credit report my address is XXXX XXXX XXXX XXXX XXXX XXXX that incorrect information on this report this should be my credit score due incorrect information was provided I never use any credit
Consumer complaint received 2018-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEDICAL BUSINESS CONSULTANTS, INC (FL)

Today I received a medical collection letter for {$520.00} for a bill that is not mine. The collection company name is Medical Business Consultants and the charges are for XXXX XXXX XXXX XXXX. where I have never been a patient. I will not call the number on the letter because I believe this to be a fraudulent company.