davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC (MS)

This company will call me repeatedly several times throughout the week. In addition, when they speak to me and after they verify my information they inform me that I have a debt with their office that my XXXX  sent over to them and I am responsible for it and I need to pay it. I I constantly informed them that there was a pending issue before the collection would be paid And the doctor office in question should have reached out to me so we could have settled the account. The agent and informs me that I am a bad person for not paying my bills and that I should be ashamed of myself for not one to pay the office what i allegedly owe them. The agent then went on and on and said Their legal counsel would sue me to collect is that if I didnt pay right then. I informed the agent that is not a good way to conduct business and they basically told me when they would sue me, they would take my wages from me even though I am disputing this bill with the office. I never gave permission for this third party to see my personal health information or the services/care that may have been provided to me. I was not told my information nor have a signature to validate that request.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a credit card with capital one ... I checked my credit report via credit wise and noticed a new banking account was opened on XX/XX/2021 ( reported from XXXX  ). 

I didn't open an account and I want it closed immediately
Consumer complaint received 2021-06-12
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)

I sent multiple letters to XXXX, XXXX, and experian regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 

SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX
Consumer complaint received 2023-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I went online to Transunion.com/XXXX and was not able to obtain my free credit report. I was referred to XXXX and was able to obtain a free credit report using the telephone options however was not able to obtain copy of my credit score for FREE. I have to pay@XXXX. The telephone number does not provide you with an option to speak to a live agent. 

on XXXX I was declined a credit card with XXXX XXXX ( application with XXXX XXXX XXXX ) because my FICO score is not available with Transunion. 
Why do I have to pay for my credit score? I cant even get it from my creditors that offer it for free XXXX and XXXX XXXX XXXX because they obtain it from Transunion and I do not have a FICO score available at Transunion let alone obtain credit without one. 
Are they not a credit agency? 
Shouldn't I have a FICO score available? 
Do they not screen the customers they service to ensure that they all have a FICO score, that is why we have credit correct? 
Why can not I not talk to a live person?
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (TX)

Mediation Recovery Center Inc. called me on XXXX/XXXX/XXXX  and told me they were collecting a debt in the amount of {$3100.00}. They told be I had to pay or have a mark on my credit report. I was surprised because this was the first time hearing of this.They offered me a discounted rate and rushed me to pay it. No documents were signed or formally used. They told me the debt they are collecting on is for a XXXX  5 years ago from a company that supposedly no longer exists. I had made at least 5 attempts through email and phone call to contact the supervisor but he will not return my calls or emails.
Consumer complaint received 2023-03-01
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. (SC)

In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with Freedom Mortgage and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, XXXX XXXX reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with XXXX XXXX on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

XXXX XXXX removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " 5 '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the Credit Reporting Agencies to have the " 5 '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " 6 '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from Equifax attached ). 

I have letters from XXXX XXXX stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by XXXX XXXX
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charges on my credit report related to the following accounts : XXXX XXXX XXXX Charge Off Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX OF XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge OFF Account XXXX XXXX XXXX Bankruptcy XXXX I understand that these accounts have been charged off or sent to collections, but I strongly believe that these charges are not accurate. Furthermore, I would like to point out that I filed for bankruptcy on XXXX, and as such, these accounts should no longer be on my credit report. 

I am emotionally distressed by the negative impact these charges are having on my credit score, and I am kindly requesting that you investigate these charges and remove them from my credit report. I have been working hard to improve my credit and these inaccuracies are hindering my progress. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-16
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)

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 is not accurate. This ground for removal, they also violated my right 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 : It als
o stated a Consumer Reporting Agency can not furnish a account without my written Instructions.

Also the Credit Bureaus took more than 30 days to complete my Investigation
Consumer complaint received 2023-07-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXXXXXX XXXX - XXXX XXXX  XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX
Consumer complaint received 2023-03-02
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. (IN)

XXXX, XXXX, and Equifax are illegally reporting negative information on my credit report. 
I did not consent to this violation of my privacy 15 U.S.C. 1681 SECTION 602 A - states that I have a right to privacy. 

15 U.S.C. 1681 SECTION 604 A SECTION 2 - also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692A -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 Also, my credit reports from XXXX and XXXX are reporting different, inaccurate information which they falsely claim to have verified 15 U.S.C . 1681i ( 5 ) 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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.
Consumer complaint received 2023-05-02
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. (WI)

I'm in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e Compliance procedure states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agency was in compliance with this matter. 
Please delete from my report from this agency for violating compliance procedures. 
Thank you in handling this matter.
Consumer complaint received 2023-07-21
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. (NY)

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like XXXX, XXXX and TransUnion have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither XXXX, XXXX nor Transunion has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to XXXX, XXXX and TransUnion never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, XXXX, XXXX and TransUnion are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, XXXX, XXXX and TransUnion are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of XXXX, XXXX and TransUnion reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-02
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. (CT)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I have put 2 disputes in with experien, XXXX for a cable bill from XXXX years ago with XXXX and one with XXXX for a XXXX  that was surrendered, then sold and debt was paid but still showing that I owe XXXX dollars. Experian disputed XXXX totally different accounts that I have currently in good standing! 
Now my XXXX  company is XXXX did 2 disputes on the wrong companies! 
So now what do I do???
Consumer complaint received 2017-03-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Went to Bank of America at the XXXX, CA Branch on XXXX on XX/XX/2016 to open a savings account. Manager XXXX tried to get me to open a credit card with a no balance transfer. XXXX walked out of the room and when he came back he indicated I could not borrow enough to pay off my XXXX account so I declined borrowing and had 60 days to think about it which I told him I would think about it. I did not give XXXX authorization to open up a credit account. Days later I was sent a new credit card. I contacted BoA fraud dept. and spoke with XXXX in XXXX Calif. office. and indicated someone opened a CC in my name. XXXX also could n't understand why an account was opened in my name without anuthorization. I asked Fraud to close account immediately and remove from my credit report. He was not able to do that. I spoke to Branch manager of BoA XXXX where I conference called with both XXXX and XXXX where they indicated along the lines if you speak about a credit or loan they automatically sign you up for a credit card. This was never mentioned to me nor did I ever authorize. Went to police dept. on XX/XX/2016 and spoke with officer XXXX ... case # XXXX. XX/XX/2016 Det. XXXX now on the case. During this time I received Numerous calls and emails from XXXX to myself where she sent them from her work and non-work email accounts as I had already told her I was going to the police regarding this. XXXX explained to Det. XXXX that since I already had a checking account with BoA that no authorization signature was required. Then XXXX indicated to Det. XXXX that the issuance of a credit card and account without verbal permission from the account applicant was a policy and procedure violation and XXXX had counseled XXXX regarding this. BoA told the detective that this was explained to me when in fact it was not to my knowledge. Since Det. XXXX felt there was no criminal activity and according to the penal code these items were not met. I was advised by Det. XXXX to contact the FTC and file a complaint. DEt. XXXX also indicated that BoA would delete this Credit Card completely of my Credit Reports from the Credit Bureaus. The investigation was closed and reclassified as an incident. If this happened to me as a consumer, I doubt I 'm the first person. The stress and inconvience of having to make numerous phone calls to close accounts, contact the credit bureaus and having to pay money to put a freeze on my credit when I should n't of had to go thru this in the beginning had they not wanted to meet their quota of new credit card accounts which I 'm sure is why they did this in the first place. Please also note the man ( XXXX XXXX ) who opened this account is the Relationship Manager. I have a hard time believing him or the Branch Manager XXXX that they did n't know the Banking rules on illegally opening a CC account with the customers knowledge.