davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accscient, LLC (TX)

I have reached out to Nationwide Recovery Service and XXXX XXXX XXXX XXXX ( under XXXX XXXX ) multiple times over the last 2 years to get these debts removed from my credit report that were already paid. 

Back in XXXX my XXXX  was in the XXXX and XXXX claimed that they provided care for my XXXX  for anesthesia and Iv. My XXXX  never needed XXXX XXXX XXXX and never saw the doctor listed as the primary care doctor for the XXXX. A year later in XXXX XXXX in charges were placed on my credit report. My insurance ( XXXX XXXX ) paid for these charges but XXXX or XXXX never confirmed with the credit companies that they were paid. After filing multiple disputes they all came back as met fcra requirements Im not sure how this is possible when no one has been able to contact anyone from XXXX and XXXX continues to say they do not own that company and are not aware of accounts in my or my XXXX  name. 
At this point in time I feel like these are fraudulent claims, seeing as I am not the only person who has had issues like this with XXXX  or XXXX XXXX XXXX XXXX. 
I have the EoB proof from XXXX that these were paid, and the checks were cashed 3 days after they were received. Yet still show as I need to pay them on my credit report. 
I have additional documents with all the charges that were paid.
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

The lender has failed to respond to our QWR and Notice of error request sent onXX/XX/XXXXand are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

First I would like to say how much I dislike first national bank. I just had XXXX  XXXX a week ago and I am recovering in the hospital. They give me a call today about my car loan so I called them back. I know I missed a payment due to the fact I am not working because of my XXXX. My payment is {$850.00} a month and I pay {$860.00} a month. I have paid a total of XXXX to first national bank. The girl was but basically threatened me about not paying a late fee. She had no care about me having XXXX. She different offer a payment option, didnt offer to wave the fees nothing! Basically just hassled me! I could not believe it. Like just let me skip this payment, IM NOT WORKING DUE TO XXXX! I need to switch loan companies. This bank I would never ever bank with. I have the title to my bronco, like let me tell you how much I want to pay because you XXXX people sent me the title lol. I am demanding a skip payment. I will pay the stupid late fee of {$90.00} but let me skip a car payment. They say they cant but you know a manger can do it.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I pulled my report on XX/XX/XXXX from XX/XX/XXXX. I noticed that my loan with XX/XX/XXXX XXXX was showing seven missed payments from XXXX XXXX XX/XX/XXXX. I did not miss any payments during these times. XX/XX/XXXXXXXX Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date
Consumer complaint received 2023-06-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I do not have a contract with Portfolio Recovery Associates, they did not provide me with the original contract as I requested.

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.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-03-22
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. (OR)

I disputed the payment history and past-due balance with XXXX XXXX XXXX  for a Visa card Id opened. After investigating, XXXX XXXX XXXX agreed to remove the entire account balance, reopen the account and remove all 30/60/90 late pays from my credit reports. 

XXXX XXXX has indeed removed the account balance and reopened the XXXX card, but my XXXX  and Experian accounts still show the late pays. My XXXX report was corrected and now shows the account as paid on time with no late pays. 

The XXXX and Experian accounts have not been corrected despite my disputing the payment history twice with each credit reporting agency. I dont know if thats the fault of the creditor or the two credit bureaus that are refusing to update my payment history.
Consumer complaint received 2022-11-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THIS IS NOT A DUPLICATE REQUEST. THE COMPANY HAS 4 BUSINESS DAYS BY LAW TO REMOVE IDENTITY THEFT AND IT HAS BEEN WELL OVER THAT TIME.

Please read and respond. You are required to remove this instance of identity theft from the consumer report or provide the written acknowledgment and authorization provided by the consumer stating that they are opting into credit reporting at the time of signing up to this account. This authorization must have been clear and provided inconspicuously to the consumer. If you are unable to provide this acknowledgment and authorization by the consumer, or if it was not clear and conspicuous at the time of signing, then you must remove this account from their report. It has been over the four days given by law.

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I did not give Bank of America specific written permission or the right to share my personal, private financial information that the consumer reporting agencies have on record, and Bank of America did not provide me with clear and conspicuous written disclosure that specifically gave me my rights and options for opting out of credit reporting. Therefore my rights are being violated, my privacy is being violated. I am demanding that you follow the law and that you block and remove the account identified as being identity theft and that it be removed from my consumer reports immediately.

I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction is not information related to any transaction by me as the consumer : BANK OF AMERICA | ACCOUNT # XXXX You are required to do what I am asking and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the FCRA this company XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
Consumer complaint received 2022-11-27
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 these companies, XXXX XXXX XXXX Account # XXXX and XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXXXXXX Account # 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 Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I upgraded my old phone and mobile carrier ( XXXX XXXX XXXX XXXX XXXX  phone- ( XXXX ) XXXX ) to a new phone with a new mobile carrier ( XXXX XXXX XXXX ( XXXX ) XXXX ). I reported my new telephone number to Bank of America ( hereinafter BofA ) on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I explained extensively to BofA via phone, and, at my local BofA branch-at the insisting of the BofA phone customer service representatives, whom claim, your contact info can not be upgraded and as a result your BofA online banking services are locked indefinitely. Bank of America has refused to update my new telephone number and is locking me out of their BofA Mobile Online Banking App. BofA has, subsequently to my civil procedure communication with them, ( BofA ) insisted, and insists, that I go to my local branch with my identification to see local branch agent ( s ) whom will then contact other BofA customer service representatives elsewhere to validate my identification, so that I can gain temporary special access to my BofA online banking featuresat my local branch only. I have important automatic bill payments and one time monthly bill payments to schedule and manage regularly and need to regain access to my BofA Mobile banking App to receive important security alerts and two-step verification codes via text or email whenever I log-in to my BofA mobile banking App like I was doing before I upgraded said old phone to said new phone. I even requested to BofA to change my text 2-Step verification codes to email 2-verification codes, and BofA denied my request and continues to refuse to update my new telephone number for online banking purpose. I have filed other complaints against BofA for other wantonly malicious torts BofA has perpetrated against me, before. This is my fourth complaint I file against BofA and the XXXX  different intentional tort BofA has wantonly maliciously perpetrated against me. I have been keeping a meticulous banking responsibility with BofA for XXXX years to date living on a [ earned income entitlement ] XXXX XXXX Social Security XXXX Income, and I have [ verbally ] repeatedly asked Bank of America to cease and desist their harassments and infliction of emotional distress against me. I am requesting that my telephone number be updated immediately, so that I can keep a vigilant safety management of my checking account security with Bank of America via their online banking mobile app. Thank you for timely addressing this very important legal matter that is in accordance with my legal rights, per the United States Code of Federal Regulations.
Consumer complaint received 2022-11-27
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. (TX)

I have reached out to experian and XXXX  several times trying to resolve an issue within my credit file. My personal information was exposed in several data breaches including XXXX data breach the ost well known. Since my information is in the hands of the XXXX XXXX there are several accounts on my credit file reporting that I never opened and never gave consent or permission to be opened under my name. Most creditors have already resolved the issue for me but there is a few stilll remaining that are not following the law and are not investigating. I reached out firectly and they cant give me any inforation due to the fact i cant answer secuirty questions about the account when it was opened. This is not right and is a violation of my rights.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX XXXX, I am contacting you today because I have a collection on my account for a company called XXXXXXXX XXXX XXXX  account number XXXX I have been going back and forth for this company for a while now. Today when I got in contact with them I was told that they no longer hold the collection to my account. They stated that they sent it to a company called XXXX XXXX  XXXX XXXX. Then when I tried to get in contact with them I got hung up on. Then when i called back I got a voicemail stating it can take a few days to hear back. I just want to be done with this already. please help investigate.
Consumer complaint received 2023-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Associates, Ltd. (OH)

In XX/XX/2018 I had XXXX XXXX. After XXXX XXXX years, a company call Collection Associates LTD contacted me in writing that I owe {$3400.00}, XXXX XXXX XXXXXXXX XXXX. I requested phone numbers to XXXX XXXX XXXX and all phone numbers are not valid numbers. ( XXXX ), ( XXXX ). XXXX XXXX XXXX website states that they are permanent closed. Talk to Ohio Attorney General and they it sound like a scam.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Management Control, Inc. (TX)

I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2022-11-21
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$160.00}
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

I am writing this letter to formally lodge a complaint against Lexis Nexis Risk Solutions for reporting significantly inaccurate and erroneous information to my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Lexis Nexis Risk Solutions is responsible for providing consumer reports, including details of motor vehicle accidents, traffic tickets, personal identification information, and other relevant data. However, the information that has been associated with my report is profoundly incorrect and unrepresentative of my personal and driving records. 

To outline the severity of this issue, the incorrect details on my consumer report include motor vehicle accidents that I have never been involved in or have any relation to, traffic tickets that I have never received, several incorrect names, addresses, Social Security numbers, identification numbers, and phone numbers that are not related to me in any capacity. 

These gross inaccuracies have had serious implications on my financial health, personal reputation, and most importantly, my insurance premium with XXXX, which relies heavily on this data to determine my insurance rates. The incorrect data from Lexis Nexis has caused undue stress, financial burden, and has been a considerable inconvenience, as I am now tasked with correcting these errors ( my yearly insurance premium increased from ~ {$1400.00} to ~ {$3600.00} ). 

I have attempted to resolve this matter directly with Lexis Nexis Risk Solutions, but unfortunately, to no avail. Therefore, I am now seeking your assistance to investigate this issue and to require Lexis Nexis Risk Solutions to rectify the inaccuracies promptly.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (LA)

I applied for a student secured credit card XX/XX/2019 ( est ). I was rejected, but I continue to receive junkmail soliciting me to apply again. Even after I opted out on the optoutprescreen website and contacting them I still receive snail mail credit card prequalify solicitations
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I transferred {$8800.00} in a SAME DAY transfer to my Capital One 360 account. At the end of the business day, they said they still couldn't find the money. I called XXXX XXXX ( who I transferred the money from ) and they confirmed the money had been sent. I logged in online to confirm that the money was gone and that they had completed a same day transfer. Capital One still won't give me my money, which is a problem because I have credit card bills due tomorrow and I don't want to get charged interest and late fees.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My current mortgage loan servicer, Nationstar Mortgage, illegally and/or erroneously reported to the national credit bureaus in XXXX XXXX that my current mortgage is {$34000.00} past due. This amount they reported includes {$32000.00} of deferred principal that is not due/payable until the loan matures in XXXX/XXXX/XXXX. This deferred principal of {$32000.00} was granted in my mortgage loan modification with XXXX XXXX effective XXXX XXXX, XXXX. This fact of {$32000.00} deferred principal, which is not currently due or past due, is stated in the attached HAMA Loan Modification Agreement under item XXXX on page XXXX XXXX. This illegal reporting caused my current credit union provider, XXXX XXXX XXXX, to deny my application for a {$25000.00} car loan in XXXX XXXX.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.