davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NV)

My health insurance was having trouble getting a correct bill from the medical provider XXXX XXXX XXXX. They finally got a final bill AFTER I was sent to collections. They never gave me the opportunity to pay prior to going to collections which I explained to both the Provider and the Collection Agency. After months of going back and forth and proving I should've had a {$0.00} balance I ended up just paying with the promise that they would delete this from my credit since the accounts should've never been there to begin with. Now a month later they STILL have not deleted the collections and refuse to. They refuse to give me any information to their CEO to escalate the issue and they refuse to give me their corporate info so I could file a complaint with them directly.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TX)

I was contacted on XX/XX/2020 from EOS CCA about a debt in the amount of {$2400.00} from XXXX XXXX. This account was closed and charged off 3 years ago. I no longer owe this debt. I have contacted them to provide documentation of this debt from the original creditor and have not been provided the detailed documentation of this debt so far.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau (UT)

I am writing to address a matter of significant concern regarding an account held with your institution. Upon reviewing my credit report, I discovered an account listed under the name " Knight Adjustment Bureau, '' which I believe to be a result of identity theft. 

I want to emphasize that this account is not mine, and I have never authorized any transactions or activities associated with it. It has come to my attention that I have been a victim of identity theft for a while, and this unauthorized account only adds to the challenges I have been facing. 

I am taking immediate steps to rectify this situation, including contacting your institution to dispute the validity of this account. I kindly request your assistance in investigating this matter further and taking the necessary actions to remove this fraudulent account from my record. 

Enclosed with this letter are copies of relevant documents supporting my claim, including reports filed with law enforcement and credit bureaus regarding the identity theft incidents. 

I understand the gravity of this situation and appreciate your prompt attention to resolving it. Please keep me informed of any progress made regarding this matter, and feel free to contact me if you require any additional information or clarification.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (SC)

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-06-15
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: BARCLAYS BANK DELAWARE (CO)

On XX/XX/2022 Brclysbankde made an inquiry with my XXXX  credit report. I did not recognize the inquiry. Infact I was not even familiar with this particular financial institution. Therefore I am hereby writing to have this inquiry and all account with Brclysbankde removed.
Consumer complaint received 2017-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I was placed into Collections for an ER visit on XX/XX/2016. I did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Services has reported my payments as being late for the from XX/XX/XXXX- XX/XX/XXXX and again in XX/XX/XXXX. After speaking to them over the phone I was told that they reported this in error and would change the late payments to Paid As Agreed and it would reflect Current Status on all credit Bureaus. It's currently still reporting as late which is having a impact on my credit score.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I am writing to file a complaint with capital one in regards to my walMart rewards card. I am reaching out as I have gotten my account back in good standing and they are still refusing to let me use it. When I call to ask why they state they will not allow me to access my account due to my late payments which I have resolved. Also when I make a payment they purposely use accounts that are closed to avoid having to allow me to use my credit. When I asked them when and why havent they notified me that my account is in a restricted access status they say theyve sent me notices Ive never received them nor did I agree to allow them to do this to my account. Why wont they allow me to access the credit limit?
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been having issues with this collection agency for sometime. They refuse to show any documents or the original contract. The account still reports inaccurately to my credit report and I have sent them a letter stating that there are many errors with the way it is being reported to all 3 credit bureaus, from the account status being reported as open when it is a collection and a collection account CAN'T be open if it is an account that was already charged off. To payments being reported as well or late payments being reported when the account is a collection how are there payments being made? There are many errors and I want it removed from my credit report.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-06-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (NY)

I have a lease with honda financial services -- for my XXXX XXXX the lease is up today XX/XX/XXXX I have been trying for weeks to contact Honda about returning my vehicle, I have no heard back there phones and emails seem to be not working, I tried my local honda dealer asking about returning my vehicle -- they said I need to call Honda financial I  explain that I have tried. I tried to get an end of lease vehicle inspection and again not able to-I wish to return my vehicle and I no longer want to pay for my lease term please I need help
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-08-12
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. (TX)

I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF 2 ACCOUNTS ( XXXX XXXX XXXX  and XXXX  XXXX XXXX NA ACCOUNT ). I had disputed this issue with Trans union bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The accounts are visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. 
Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received an offer letter to make a settlement payment of a debt of {$310.00}. 
I called the number on the letter and spoke to a rep. I requested a proof the debt belonged to me along with original creditor. 

I never received the requested information but the agency continued to call me. When I asked the rep to provide the information I requested so that I may verify the debt, she yelled at me and stated they have the right to sue me. 

I never received proof the said debt belonged to me. 

I spoke with two reps the second rep I spoke to was in XX/XX/2020.
Consumer complaint received 2020-08-12
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: RateGenius Loan Services Inc (ID)

Today XX/XX/2020 I visited RateGenius.com/refinance to check rates without having my credit pulled ( I am in the middle of qualifying for a home this week ). The site specifically states " Shop for a better auto loan with no impact to your credit score. You could lower your monthly payment and save some serious cash! '' This was the only reason I chose this site. I couldn't have any pulls on my report. I never had to supply my ss #. Sure enough and hour later, I have not one but two credit unions pulling my report thousands of miles away. I contacted customer service ( after having to freeze all three bureaus ) and she  stated by hitting submit I authorized this. I showed her the website page and what it states. No response. I asked for no further credit inquires and for the removal of the two on there and she said no.
Consumer complaint received 2016-02-06
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: EMBRACE HOME LOANS (FL)

I received an unsolicited loan offer in the mail and noticed a statement at the bottom that appeared ( but did not state so ) to be a consumer warning that offered an opportunity to opt out of unsolicited credit offers. When I called the number, the short message sounded official but I was immediately asked to enter my social security number to proceed. I did not because the recording did not identify who exactly I had called.
Consumer complaint received 2020-08-12
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: EQUIFAX, INC. (OH)

im tired of explaining and consumer finance. gov is just as negligent as equifax. im fed up And feel I have grounds to file suit for negligence along XXXX  damages for not fixing my credit resulting in my loss of a vehicle plus nemerous othrr costs. i have a company trying to unravel equifax failure to report timely XXXX  accurate info and theve informed me its been over a yr since they reported and thats incorrect information. who do i contact to to pursue a suit?