davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

On XX/XX/2017, I was admitted to XXXX Hospital, incurring medical bills from various providers. All were paid and satisfied by myself, or my health insurance company, XXXX. XXXX XXXX continued to pursue an alleged debt, even though they told XXXX that they would credit my account. They then sent the account into a collections process with Professional Finance Company ( PFC ). I  responded to PFC regarding the fact that this bill had been paid by my insurance company, but they have not removed the blemish on two of my 3 credit reports. I have written to all of the credit agencies, and so far, XXXX is the only company to remove the false information. I have also followed up with a letter to both XXXX XXXX and PFC with documentation proving that the medical amount was paid in full by XXXX. In fact, even though XXXX paid the claim 100 %, I had already submitted payment of {$50.00} which XXXX  owes to me! I am attaching the documentation to support this information. I have lived with a chronic condition ( XXXX  XXXX ) and have never had an accurate blemish on any of my credit reports. My history of paying my debts in full and on time is clearly indicated by all 3 of my credit reports. I believe the effort I've had to put into trying to clear my good name is beyond anything that should be required.
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (OK)

At the end of XXXX, Santander consumer USA repossessed my car. During this time, I have made effortless tries to try to get my car back from Santander. Every time I would call I would get a different quote or something completely different from what I was told by another representative. I have made several attempts and Still no luck. I have no idea where my car was taken too, I was never told where I could pick up my belongings, I was never notified of anything regarding the car. I know I have a right to know where the car is and at least get my belongings. I have confidential information and belongings in that car and still, Santander refuses to release information or at least my property. As a consumer, I have rights that were abused and not respected by this company. It has been a stressful process with no help. I have called multiple times with solutions and trying to come to a compromise or at least a solution. I have tried to work with Santander and have had no luck. It is XXXX and I still do n't know about my car or my belongings.
Consumer complaint received 2022-12-23
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)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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)

When I reinvestigated my credit report, there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reinvestigated my credit report, there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (SC)

This is my SEVERAL COMPLAINT that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}.
Consumer complaint received 2022-12-23
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance XXXX {$540000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-01
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. (TN)

I have contacted TransUnion numerous times about the incorrect information listed on my report. Ive called several times and always told to mail supporting documentation. Ive sent copies of identity theft reports and there isnt a way to upload this information on their site. Everything I send supporting documents they refuse to accept the documents and lie and say they received information from a third party when Im the one who sent it. Ive told them several times about this and that they keep reporting inaccurate information on my report that has been removed with XXXX and XXXX, however TransUnion is failing to abide by The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). If this is not resolved as I have tried to resolve several times, I will be filling a lawsuit and getting an attorney involved due to TransUnion incompetence and unfair credit reporting.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
*XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I pay bills the day I receive them, and I always pay my credit card bills in full. And because I am uncomfortable with electronic means, I insist on receiving a MAILED paper monthly statement. 

So when I am charged {$25.00} for a late fee, it either means that the letter carrier somehow " lost '' the statement, or the bank did n't send me one.
In the past few years I have been charged over and over for paying late. I suspect that the credit card company ( in this case Bank of America ), declines to mail a paper statement every few months to customers who pay in full their balances.
I have paid " late fees '' over and over in the past few years, and I am tired of it. One or two of those I may have misplaced and was thus legitimately charged, but the majority of them I did not receive.
Consumer complaint received 2024-03-31
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. (GA)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. 
According to15 U.S.C 1666B The timing of payments creditors 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.
Consumer complaint received 2022-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

On XX/XX/22 report # XXXX - This company, CREDIT COLLECTION SERVICES stated they couldn't locate this debt. They have also VIOLATED FDCPA by not sending out proper notices required by law to my address to inform me of this alleged/unknown debt. Instead, they reported it to the credit reporting agencies which has damaged my credit and has gotten me denied for a home loan. This account was in collection activity, and they still reported it. That's also a violation of FDCPA. This company have broken various laws. Each law broken is {$1000.00} each. I have attached my ID as proof of residence and also proof that this company stated THEY COULD NOT LOCATE THIS ACCOUNT when in fact it was on my credit. It doesn't make sense for me to 'provide '' proof of this alleged debt to your company if your the one that is reporting it? 

I have added XXXX and XXXX on this letter because they are in violation for allowing this company to REPORT INACCURATE INFORMATION. THESE CRA 'S didn't run a proper investigation.
Consumer complaint received 2018-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have been working with my loan servicer for well over a year with a mortgage I have been struggling to pay on a property that since the XX/XX/XXXX financial crisis is no longer worth what I owe on it. I have had a signed purchase agreement since XX/XX/XXXX for a short sale - not as much as what is owed, but a cash offer at current market value. Whether intentional or not, the process of trying to work with my loan servicer has been hindered by vague and ambiguous communications, mixed messages, and constantly changing demands from them. I have done and provided all that they have asked of me, yet to date they still have not rendered a decision on the purchase agreement that is now over a year old, nor have they offered any alternative resolution, or any relief whatsoever. I had wanted to include my request for assistance and accompanying documentation but that was 74 pages, and over the 10mb limit for attachments, but I am including a letter from my loan servicer acknowledging receipt of this information. I am also including a recent email from the title company who is working on the short sale, as well as a XX/XX/XXXX letter from my loan servicer notifying me that the status and my request had changed, but neglecting to disclose what the change was, why it had occurred, or what I needed to do about it. My attempts to resolve this issue were again met with mixed messages and changing demands before it was finally resolved. A letter with complete information would have clarified the issue and facilitated a much speedier resolution.
Consumer complaint received 2023-03-14
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: BMW Financial Services NA, LLC (FL)

MY CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. 

BMW FINANCIAL SERVICES Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX XXXX {$95000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX {$110000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2800.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX UPDATED XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Date opened XX/XX/XXXX ACCT # XXXXXXXX XXXX {$290.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Date opened XX/XX/XXXX ACCT # XXXX XXXX {$1400.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX {$22000.00} XXXX  UPDATED XX/XX/XXXX INQUIRY -- - XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Consumer complaint received 2022-12-23
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

Account name : XXXX XXXX University : Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX : Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX/Dept of ED : Account # XXXX Account name : XXXX XXXX Account # XXXX 15 U.S.C . 1681 Section 602 A states I have a 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 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 and other adverse items 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 ) states 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 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Churchill Holdings, Inc. (LA)

Churchill mortgage pushed me conventional loan, I was wanting VA or FHA. I was told I couldn't get a gov backed loan _ Within 15 days I was sold XXXX. XXXX XXXX, then XXXX XXXX. What do u know. This was a scam to get {$30000.00} cash out of me. 

This is an obvious move of ihands to take the Cash from me.
Consumer complaint received 2023-06-16
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. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (MD)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX