davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a medical account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, with a owed balance of {$1300.00}. Another medical account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a account balance of {$14000.00}. And a third medical account that does not even have a name listed for it with the account number XXXX and a amout owed of {$700.00} opened on XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (LA)

XX/XX/year>, I called Macy 's American Express to inform them that XXXX XXXX XXXX  had scammed me on the purchases of Tickets. XXXX positioned itself as the XXXX XXXX for XXXX XXXX XXXX. I immediately caught the discrepancy when they sent the charge and called their number indicated to cancel the charges. It was a foreign location, and the person could not understand English very well and kept me on the phone for almost 30 minutes. After I spoke with them, I called Macy 's American Express and informed them not to accept the charges. Macy said they could not dispute or stop the charges until AFTER they had been posted. I was told to call after the charges had been posted. This seems to be very unfair to the Consumer since AM EX received notice before the charges were accepted that it was a scam. As per the Complaint XXXX sent to you XX/XX/year>, I contacted them to not send the tickets because of the predatory additional charges in excess of {$300.00}. They did not reply to you. They sent what I assume were the tickets to me which I did not open and returned to them. I sent an email to XXXX support, and it was returned to me undeliverable. They vanished. I purchased the Tickets from XXXX XXXX XXXX within that hour with a {$6.00} service fee. My complaint to you was sent to FTC. Macy 's American Express has refused to refund me the {$470.00} XXXX charged me on this scam. I have attached their reply, dated XX/XX/year>. They have charged my account. SECOND ISSUE : As you will see in the dispute sent to AM EX on XX/XX/year>, I requested that Macy 's AM EX not to increase my credit limit automatically. If they did, I told them I would not be responsible for charges on that account. In XX/XX/year>, Macy 's AM EX increased the credit limit without my approval. It is very hard to have regulations that protect the Consumer like me. It seems that Unchecked Capitalism favors the Corporations and Billionaires. Over 70 % of American are living on credit cards and the interest rate is extremely high. The Credit Card companies are giving credit increases in order to tempt consumers into even more debt and poverty.
Consumer complaint received 2022-11-30
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-30
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-29
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (PA)

I was enrolled in Care Credit ( Synchrony Bank ) by a dental office manager and was informed that there would be no interest of paid in full within 12 months. I was not informed that the account was a deferred interest account with an APR of 26.99 %. Due to the omissions, I assumed it worked like other credit cards where you begin accruing interest after the promotional period is over. I was quite surprised when I was hit with over {$700.00} in retroactive interest as it had been accruing all along. To make matters worse, they lowered my credit limit at about the same time and the card is still over limit to this day. This is reprehensible. This card is used for large medical and dental payments. It is meant to help those who have health concerns, not to throw them {$700.00} further into debt and damage their credit score.
Consumer complaint received 2022-10-31
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. (PA)

these XXXX  are putting illegal tranaction on my report, with I do not want them on my report, I have a right to privacy, I didn't give my written consent, title 15 section 1681 subsection 602 A says I have a right to privacy, also I didn't give consent to report any charges off late payment, or derogatory information 15 u.s. codes 1681 subsection 604 A, states that, titles 15 section1692 states the debtor shall have no communcation with the consumer, I want these item deleted from my report, and a XXXX fine for each volation, XXXX and Equifax never validated the debt they never respond it been 40 days
Consumer complaint received 2022-11-30
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. (NC)

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. 

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  have 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 2018-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a credit line on XX/XX/XXXX which was approved for {$100000.00}. I made payments on the account until XX/XX/XXXX, at which point I felt behind 2 payments. On the 3rd month I reach out to the service department of Bank Of America to make a payment in full for the amount due so I could bring the account to current status. At that point I was told that the account had been charge off with no prior notice ( no mail notice, email, or phone call ), And they had all my current information. I was told their was nothing they could do for me. The only thing I could do was to pay the amount due in full {$100000.00} and that wouldn't even remove the charge off from my credit report. I have tried to make arrangements to correct this account on my credit report and bring the account to {$0.00} balance but they refuse to work with me. The only answer I heard from them was we can't offer you a settlement, you must pay the full amount, but we can't remove the charge off from your credit report. The last time I reach out to Bank of America I even requested to speak to the person in charge of the financial department to see if I could get a settlement and the answer was the same ( WE CAN'T DO ANYTHING FOR YOU, YOU MUST PAY THE AMOUNT IN FULL ).
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (GA)

I am monitorin g My Credit report and I contacted Credit Management   XXXX   XXXX ,  2017  @  XXXX  est. I have no contract with  them 15 usc 1692. I ask for a validation. Agent sta ted that I was n't in their system.
Consumer complaint received 2022-11-30
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. (TN)

On XX/XX/22 I let the credit bureaus know that I am a victim of identity theft. There is an account from XXXX XXXX on my credit report. The account is still on my credit file. Section 605 b of the Fair Credit Reporting Act requires that any information that I inform you is fraud has to be removed within 4 business days. Also, 15 USC 1681 section 604 a 2 says that you can not put anything on my credit file without me giving you permission in writing. I never gave you permission in writing. This account is listed on my file as a charge off. That means XXXX XXXX is committing tax fraud. They have sold the account and taken a tax write off.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , MO  XXXX  Phone : (  XXXX  )  XXXX  Has reported a totally FALSE debt on my credit report. Here is the explanation to  XXXX , the credit reporting agency. This is NOT MY DEBT. It does not belong to me. There is no verification or proof that shows that it belongs to me. This is a SCAM. They have DINGED MY CREDIT REPORT WITH BOGUS INFORMATION.     Midwest Recovery Systems, LLC ; Collection Reported  XXXX  ; Assigned  XXXX  ;  XXXX   XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX   XXXX  ; Amount {$850.00} ; Status as of  XXXX  Unpaid ; Date of 1st Delinquency  XXXX  ; Balance as of  XXXX  {$850.00} ; Individual Account ; Account #  XXXX  ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  : (  XXXX  )  XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (DE)

XXXX   XXXX  is attempting to collect funds from me for a delivery of water they never made. It was scheduled to be delivered but never was. This is not the first time the newer delivery driver failed to deliver to us and we were still charged. I know this for a fact because I have an HD video surveillance system. They assured me on three different phone calls that the bill would be corrected but it never was. Also they are trying to collect additional funds they are not owed for late fees.
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

i offred to have insurance pay for it as insurance was and is active however no changes were ever made. i have lupus most debt is transport and or xray services that medicaide and XXXX should have covered. its more than XXXX account with particular XXXX to be exact
Consumer complaint received 2023-05-13
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. (MO)

This is my six attempts 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are inaccurate please removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; 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 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

AFFIDAVIT OF TRUTH By electronically signing below, I certify that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX. 
TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. XXXX XXXX XXXX is competent to handle such affairs. I'm submitting this AFFIDAVIT OF TRUTH to remove the listed inquiries. I did NOT authorize and formally request that these fraudulent inquiries be immediately deleted from the credit fi le maintained under my SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX 


by XXXX XXXX XXXX dated XXXX
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Step 1 : What is this complaint about? Additional interest, fees, expenses and charges added to original debt Step 2 : What type of problem are you having? Payments had not been recorded, in payment history of collection agency, XXXX XXXX XXXX. 
Step 3 : What happened? I did not know when the bill was headed over to collection Step 4 : What  company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX XXXX  The Fair Debt Collection Practices Act was passed by Congress in 1977 to protect consumers by making some debt collection activities illegal What if the Amount Is Incorrect? 
In general, collectors may not add interest, fees, expenses or charges of any kind to the original debt. However a collector may charge an additional amount if :
Consumer complaint received 2019-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Letters Sent : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 Amounts Include : {$15000.00} Actions That Were Taken : I have contacted Equifax on several ( 4 letters ) attempts using certified mailing to ensure they have received my letters. The topic involved disputing the information that they have listed on my credit report without properly verifying the accounted information. I asked them to provide documentation, and if not properly verified, they needed to remove the account from my credit report.
Consumer complaint received 2017-09-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have attempted to contact Experian by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid for GI Bill benefits. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Experian, and they both appear as consumer credit entries on my Experian credit report, despite not being consumer credit accounts. I believe that Experian has violated the terms of the XXXX 2015 consumer credit agreement with the Attorney General of the State of Alabama that Experian signed in XXXX 2015 which stated they would not post non-consumer credit accounts into credit reports. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report. Paragraph 3C of the 31 state agreement states The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). The VA overpayment accounts were not consumer contracts or agreements and should not be posted into my credit report.
Consumer complaint received 2022-11-24
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. (CA)

I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed.

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX US DEPT OF ED, XXXX XXXX  XXXX XXXX XXXX, PA 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 an account without my written instructions.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

I recently noticed in XX/XX/XXXX that my experience credit report was changed, an unknown collection company, XXXX XXXX XXXX XXXX also known as XXXX XXXX Services was placed on my report as in collections. I disputed this with experience but I experian reported back as confirmed, no changes. I do not have any business with this collection company. I also have had no business or signed any contracts for XXXX XXXX XXXX which this collection company seems to be collecting for or possibly bought out of possible discharge or write off collection. I have never had an account with XXXX XXXX creditor for this associated account or have has any credit card with. I have never filled out a contract for a credit card of XXXX XXXX either to even be placed in collections! I had a credit card with XXXX XXXX bank back in XXXX that I closed, and paid off in settlement, paying less then owed to satisfy and close that account. A XXXX C form was filed as well. 
Somehow, this collections agency is now appearing on my credit report as being originally coming from XXXX XXXX that I never had a credit card with, or signed a credit application for. I believe that XXXX XXXX may have bought out XXXX bank and all its creditors as well as the customers accounts. Accounts like mine that were closed and paid in a settlement for less then owed and then closed are now being bought by collections companies, trying to illegally collect money from accounts that were settled from past banks. This is outrageous and is damaging my credit report as its on my credit report under collections and causing me additional unnecessarily stress and aggregation. This collection agency needs to immediately remove this collection information from my XXXX credit reports and immediately stop trying to collect money from a past creditor, XXXX XXXX who I did not have a credit card with or a contact.