davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midstate Collection Solutions, Inc. (FL)

DISPUTE WITH MIDSTATE COLLECTION SOLUTIONS I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer.

This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

Professional Debt MEDIATION continues to report fraudulent items on my credit report after being advised that Im a victim of Idenity Theft, I have provided them with the Identity Theft report from Idenitytheft.gov. The credit Bureaus have removed the debit several times and Professional Debt Mediation continues to report fraudulent items on my report, I have neednt disputing this with them for about a year now. If this continues Im will sue.
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (FL)

I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation (VT)

My complaint is about the bridge crest auto financing company.in XXXX my husband and I had a vehicle rom them our second one may I add because we yad perfect credir wirh them. But we were in a total loss accident the other ladies insurance was Deemed responsible to pay the total loss I had spoken to her insurance company several different times and they stated that they would be paying for the loss of the vehicle the last time anybody was spoken to through bridgecrest was in XXXX they spoke to my husband and apparently told him that we would still owe the payment but then I spoke to them a couple days later and explained what was going on and had an insurance company talk to them or whatever letting them know that the payment was going to be paid directly to them the lady I spoke to then said that she was gon na go ahead and have the payment deferred and wait until they received the payment from the other party 's insurance for the total loss of the vehicle. I had not heard anything from the company in over 4 years and then all of a sudden I'm in the process of buying a house to find out that there was a charge off from this company On my credit report so I called the experience they explain that I needed to call bridgecrest so I called bridgecrest and the lady was extremely rude telling us that they could not contact me because they didn't have a phone number my phone number has been the same since I was XXXX XXXX XXXX I am XXXX XXXX XXXX and there is nothing that has changed except for my address and I told them that so nobody had ever tried to contact me they just automatically charged this account off which is now screwing up my chance to get my house that I'm supposed to be buying in less than 2 months They refuse to want to work with me I finally told them that if I have to off I'll bankruptcy or file a complaint since I thoug that they were supposed to notify me if they didn't get paid or notify me if the defirmate was done and give me a Chance to pay the debt but they didn't they just automatically charged off without notifying anybody and at this point I hope I told the lady it's it's like a covid disaster there's no way I can pay it I've been out of work it's covid and I'm in the process of trying to buy a house through the FHA program in Vermont But I always thought a charge off was supposed to be they contacted somebody several several several times before just charging something off we were not contacted once past that initial communication that we had in XXXX where they told myself and my wife that they were going to defer the payments to the hardship and the fact that the other ladies insurance company was going to be paying for the total loss this company is truly a scam.. the amount of the charge off is XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DE)

I opened my citibank accelerate saving account on XX/XX/2022, using their promotional offer, which saying that deposit {$50000.00} or more within the 20 days of opening the account and maintain for 60 days could get {$450.00} bonus. After I opened the account, I funded my account {$50000.00} by XX/XX/2022, and then I received the email from citibank on XX/XX/2022 saying that " Thank you for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer '', which I have attached below. I suppose this email indicates that I am already enrolled in this offer which is in conjunction with my account ( the account number matches in their email ). But until today I didn't receive the {$450.00} bonus, I have called citibank on XX/XX/2022 and they opened a case for me XXXX, after their investigation they said that my account is not qualified for this offer. I suppose this is a misleading and deceptive behavior from citibank. I have uploaded the resolution letter from them, the file that saying my account is qualified for this offer and the statement showing that I have met all the requirements.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 
Account names & account numbers as follows. 
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 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. 16815-2 ( 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 2019-12-19
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mercedes Benz Financial Services (NJ)

I received several calls from an XXXX about a car that my husband financed through Mercedes Benz Financial. I was told that the car was under the corporate name of XXXX XXXX - a business my husband & I used to own together. I advised that I was unaware of the debt and that I would contact my husband in reference to the said debt. I did. I spoke to representatives on two more occasions telling them that my husband expressed that he would like to keep the vehicle and pay the back owed monies. I was told that this was not possible. I later discovered through conversations with my husband that this vehicle was not finance through the business at all. Please note : I did not finance this vehicle at any time and did not sign any agreements with Mercedes Benz Financial. I was given financial information on what was owed on this XXXX XXXX, however I am not the owner of this vehicle, nor the borrower, nor a co-signer. 

On XX/XX/XXXX my husband came home and told me that the Co-Assistant Scout Master of our local Boy Scout Troop ( of which we are both leaders ) told him and handed him an email from XXXX XXXX of XXXX XXXX. This email went out to our entire troop and reads : FILE # XXXX / XXXX XXXX / XXXX XXXX XXXX My name is XXXX. I'm with XXXX  XXXX. I'm contacting you on behalf of Mercedes Benz Financial, requesting location information for a XXXX XXXX XXXX, and/or XXXX XXXX / XXXX XXXX XXXX. 

If you have retained an attorney to handle this matter, please provide their contact information. You can reach me at XXXX. You can reach Mercedes Benz Financial at XXXX. Please reference your file number upon contact. 



-- Thank you, XXXX XXXX XXXX XXXX  XXXX I should NOT have been included in the attempt to collect this debt and be named in connection to this debt. In addition I believe my privacy rights were violated by this debt collector and is slanderous & liable - as it is implied that I have an outstanding debt with Mercedes Benz Financial, and I DO NOT and NEVER did!
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  and Trans Union continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.
Consumer complaint received 2019-12-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) - This account is paid off. I have asked the company involved to delete this account but somehow they still have not deleted this.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorize any to make on my behalf. It is the result of identity theft. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Employer ( s ) :  XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that  information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting th
is information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$6100.00} -This is not my account.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian and XXXX XXXX continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.
Consumer complaint received 2023-01-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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 2019-12-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( XXXX ) The reporting of this account is inaccurate. I have disputed this with the credit bureaus for 5 or 6 times already but they still have not removed this account from my report. I have indicated in my letters the reason why they need to delete this account. First, the date opened and closed is inaccurate. Second, the balance owed is incorrect. I do not owe them {$340.00}. I have asked them to validate this account but their response is misleading.