davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc. (TX)

On XX/XX/2016, XXXX XXXX XXXX reported a medical balance in the amount of {$2800.00} to all credit reporting bureaus through their collection agency R.S. Clark and Associates. 
This happened after repeated attempts by me to contact them about a procedure that was botched by the doctor. R.S. Clark and Associate sent several letters to me threatening to report it to the credit bureaus if not paid in full, which they did. 
I went in to XXXX XXXX office for one XXXX  on my knee and was talked into having 5 procedures on my XXXX  ( as a medical necessity according to XXXX XXXX ). He was paid over {$11000.00} for these procedures and during the last procedure ( which happened to be the only one I asked for ), he failed to completely numb the location or remove the XXXX XXXX ( which was XXXX ). I went back and told them and was ignored. I have before and after pictures showing no change, just bruising. I am not going to pay for a failed result.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (TX)

I leased a car from Mercedes Benz in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, XXXX and XXXX
Consumer complaint received 2023-02-16
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/XXXX, I XXXX XXXX XXXX open a XXXX-credit card with Navy Federal Credit Union . Fast forward to XX/XX/XXXX I was dealing with hardship, so I reached out to Navy Federal Credit Union, and they decided to give me 2 months payment free to catch up on my payments. In the two months I lost my credit card, and I didn't know due to me not using it because it was maxed out. Two months later I go online to naveyfed.com to start making payments again but my account was locked. I called them to let them ask why my account is locked, they stated that I spent {$24000.00} over my spending limit. I stated to them How is that possible!!! 
1. My account was locked due to hardship and maxed to spending limit. 
2. how did you guys allow the thief to spend {$24000.00} over my limit 3. Why didn't the fraud department catch the transaction while they were taking place?
Consumer complaint received 2023-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The ending of XXXX XXXX XXXX has notified me that credit accounts were being opened under my information and affecting my credit score. 
Starting since, XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Capital One XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (FL)

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, 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 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 2017-11-24
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Seterus, Inc. (OR)

Every month on the second of each month, Seterus company calls to tell us they want their payment and how do I want to pay. We do owe them money however we have never been late on a payment and every time they call we ask them to stop calling us we are not late on our payment, I then have them verify that and ask them what is my due date and what is the grace period. Due date is XXXX of each month with a 10 grace period. I ask them are you a debt collection company they tell me yes. I tell them again please stop calling me. They continue to call my cell and my husband cell monthly if they do not have their payment on the XXXX of each month. This is a violation.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I hope this message finds you well. I am writing to bring to your attention a distressing matter involving identity theft that has significantly affected my financial situation. Upon reviewing my credit report, I uncovered an unauthorized account opened in my name with Credit Collection Service. It is crucial to clarify that I have never initiated or authorized any account with this entity. 

The presence of this fraudulent account has resulted in substantial damage to my credit report and, consequently, my overall financial well-being. I am deeply concerned about the adverse impact this might have on my financial health and credibility. I am certain that this unauthorized account is a direct consequence of identity theft, and I am taking immediate steps to rectify this situation. 

I have already taken initial actions by contacting Credit Collection Service to dispute the account and have filed a report with local authorities to report the identity theft incident. However, despite these measures, the impact on my credit report persists. As a result, I am reaching out to request your assistance in resolving this issue. 

I kindly request your support in investigating and swiftly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the restoration of accuracy to my credit history. 

Attached to this email, you will find all relevant details regarding the fraudulent account for your reference. If further information is necessary from my end to facilitate the resolution of this matter, please do not hesitate to contact me. 

I am fully committed to cooperating with your team to expedite the resolution of this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and support. 

Sincerely,
Consumer complaint received 2019-07-10
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. (UT)

Ihavenotbeenprovidedwiththeoriginalcontractwithmysignedsignatureforaccount#XXXXXXXXXXXXXXXXXXXXproperlyverifyingthisaccount.Experianneedstoprovidethatdocumenttome.IftheycannotprovidethatdocumenttheymustdeletethisaccountimmediatelyforNon-VerifiedAccount.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I tried depositing my paycheks at the CapitalOne Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  but was told I needed to furnish a government issued ID card which to my knowledge is illegal in the State of XXXX XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ragan & Ragan, PC (NJ)

I received a debt collection letter from Ragan & Ragan PC ( copy enclosed ) regarding a debt that is not mine which I previously disputed with XXXX XXXX XXXX ( copies enclosed ) who failed to validate under the FDCPA and FCRA. XXXX XXXX sold a debt that was not validated to Ragan & Ragan PC. 
When I received the letter from Ragan & Ragan, which was originally sent to the wrong address, I immediately replied via certified mail ( receipts included ) advising them this debt was not mine. Today, XX/XX/ I received another letter from Ragan & Ragan demanding payment and claiming a copy of a loan agreement that does not contain my signature or any other identifying information, constitutes as debt validation. They have also stated I have 7 days or they will assume I dont have any other validation requests. These agencies abuse consumers because we dont know all the laws that are set in place to protect us. Im filing a complaint so that CFPB protects my rights and this agency stops its illegal and abusive practices. 
Ragan & Ragan PC File No XXXX XXXX {$9100.00}
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Last month I filed a dispute for bankruptcy reporting inaccurately on my consumer file. You sent me a response back that it was verified and you got your information from Pacer. I went to Pacer to compare the information you are reporting on my consumer file to make sure it was accurate as you stated. However, the information is still not accurate. The name of the court & the county is inaccurate. 

Now I know I have a right as a consumer to accurate information on my credit file and for reinvestigation. This inaccurate information you are reporting is hurting my ability to obtain credit. 

Now I wonder if you actually did an investigation or not. Did you even look into the information or did you quickly label it as accurate/verified?
Consumer complaint received 2023-03-07
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX XXXX XXXX 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 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

XXXX XXXX XXXXXXXX XXXX claimed I rented property from them in XXXX in XXXX with an original balance owed of {$17000.00}. I can prove that during Covid I was living in my parents home in XXXX I reached out to them to have this debt removed from my credit record in XXXX. They didn't even have any of my personal information like phone number or address. 
They then sold this debt to other collection agencies of which I have also requested they remove the debt as it is not my debt. They have all refused resulting in the current total due of {$18000.00}. I have since filled a police report regarding this fraud and have hired an attorney.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, 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 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 2017-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

letter dated XX/XX/XXXX from XXXX XXXX is another lie again this accoun cliam that was filed in XXXX about atm card ending on XXXX was closed on XX/XX/XXXX and I never recieved a new card specially ending inXXXX. This claim was filed and on XX/XX/XXXX you approved the claim and stated the credit for {$1800.00} was permanent however I also contacted the bank and explained that whom ever did all this fraudelent was the same peson who withdrew on XX/XX/XXXX a {$600.00} tlr counter withdraw with license and a debit card ending on XXXX and on XX/XX/XXXX a counter withdraw of {$2100.00} and another for {$1.00} on same date with same identification. what bother me is the fact that the bank never consider the fact that I spoke to them and the claim included those counter withdraws with my license and the debit card ending on XXXX. I never had that debit card period and futher more based on the letter you sent dated XX/XX/XXXX stating that this fraud that took place had to be reported to the bank within sixty days claim # XXXX and that the claim was outside the time period this claim was initiated by the bank and use the 60 day to denied the claim to get away with it. HERE IS WHAT MY ATTORNEYS HAVE SAID IF SOME ONE USE THE XXXX DEBIT CARD AND THE BANK AGREED ON XX/XX/XXXX THAT THE ACCOUNT WAS USED BY SOME ONE AS FRAUD AND AGREED THAT THIS WAS FRAUD AND DID THE PERMANENT CREDIT HOW IN THE WORLD DO THEY NOT AGREE THAT THOSE WITHDRALWS WERE ALSO FRAUDELENT AND NOT MADE BY ME SPECIALLY IF THERE WERE NO FORM OF CONFIRMATION # XXXX ON THE ACCOUNT SPECIALLY IF A DEBIT CARD THAT WAS USE ENDING ON XXXX THAT WAS NEVER MINE OR NEVER HAD THAT DEBIT CARD AND NO INDICATION OF ANY TYPE ON THE STATEMENT AT ALL OTHER THAN IT WAS A TLR COUNTER WITHDRAW AND I COULD VERY EASILIY TRANSFER ALL AMOUNTS TO MY OTHER CHECKING ACCOUNT THAT HAD BEEN USE TO TRANSFER ALL KINDS OF CREDITS TO THE XXXX ACCOUNT.Ii CALLED AND REQUESTED COPIES OF THE CLAIM AND THE COPY OF WHOM EVER I SPOKE TO REGARDING THE 3 WITHDRAWS THAT TOOK PLACE ON XX/XX/XXXX AND XX/XX/XXXX. THE BANK HAS BEEN TRYING TO GET AWAY WITH WHAT HAS TAKEN PLACE. SPECIALLY IF ALL IF ALL I NEEDED TO DO WAS THE TRANSFER AND CERTANLY NOT ON A TLR COUNTER WITH A DRIVER LICENSE AND DEBIT CARD THAT I NEVER HAD AND IS THE BIGGEST LIE THAT HAS TAKEN PLACE ON AN ACCOUNT THAT WAS DONE FRAUDENTLY AND APPROVE BY THE BANK. SPECIALLY IF THE BANK WAS THE ONE WHO CLOSED THIS ACCOUNT SPECIALLY WITH A {$2100.00} AND ANOTHER FOR {$1.00} ON SAME DATE. THAT IS CRAZY AND THAT IS WHY MY LAWYERS ARE VERY INTERESTED.
Consumer complaint received 2023-01-06
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. (IL)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I noticed om the contract that too manypayments were listed on the contract. I contacted the dealership and told them and they told me to bring the car back to sign a new contract. When I arrived they told me that my {$600.00} down payment was not enough and that I had to put down an additional {$600.00} and that I needed to sign additional documents. I refused and gave them the vehicle back. 
The car was not reporting on my credit at that time. 
2 weeks later, I received an alert displaying a new account from XXXX XXXX with a {$12000.00} debt. 
My down payment was not returned by the dealership although I returned the car within 5 days. 
Now this new auto loan is displaying on my credit report which is preventing me from obtaining an auto loan as well as a loan for a home. 

I have sent a cease and desist letter to the dealership ( which has been ignored ) as well as contacted the Illinois Stated Attorney. 
I have disputed this account with all 3 credit bureaus and this account still has not been removed. 
I am at my wits end!!! 
Please help
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This Credit Reporting Agency are showing a XXXX  XXXX and XXXX  XXXX bankruptcy on my credit report they have stated that the data Furniture of information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court, and they have sent me a letter which I have attached, clearly stating that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate bankruptcies with other outside companies. I have challenged this information repeatedly with all the credit bureaus, and they have refused to remove the information from my report. These companies are falsely reporting this information and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in has cost me several opportunities for employment with very reputable. The display of this information also caused me to lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

TransUnion has failed to perform the duties mandated by section 605B of the FCRA. They also failed to provide evidence of their counterclaim, which was specifically requested in the initial request letter, as well as the demand to comply letter, which was forwarded to them upon dishonor when they failed to perform duty within four ( 4 ) business days of receiving consumer 's request to block and remove information resulting in identity theft.
Consumer complaint received 2023-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Galaxy Capital Acquisitions, LLC (NC)

I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ).

Prior to receiving the attached collection letter from XXXX XXXX XXXXXXXX  dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever. 

I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( GALAXY INTERNATIONAL PURCHASING , LLC, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA. 

There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate.