davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (DC)

Per 15 USC 1681 ( a ) ( 4 ) my rights of privacy has been violated and this has been quite cumbersome due to all of this that is on this consumer report that is under my name Per 15 USC 1681 ( b ) I did not and would never give permission to put anything negative on anything belonging to me a consumer report of any sort would not should not be used for negativity you never had any permission from me which is to be in place and I never would have given permission for such allegations and negative reporting of any sort per 15 USC 1681 b ( a ) ( 2 ) per 15 USC 1692 ( f ) Per 15 USC 1681n The only Name is By : XXXX XXXX XXXX XXXX XXXX That should be on my consumer report and the only phone number is XXXX XXXX XXXX that should be on my consumer report and the only address that should be on my is XXXX XXXX XXXX XXXX XXXX county near District Of Columbia DC XXXX consumer report
Consumer complaint received 2023-03-09
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. (FL)

NOTICE REGARDING IDENTITY THEFT NONPUBLIC PERSONAL INFORMATION WAS COMPROMISED. BLOCK AND DELTE IMMEDIATELY SEE ALLEGED ACCOUNTS BELOW. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (OK)

On Friday XX/XX/2023 I received an email from XXXX XXXX at Lightstream XXXX stating that my loan application had been approved and to email her back to start the process. I did and then I spoke with her over the phone and then she sent me my loan documents. I did further research trying to make sure this was legitimate and did not find anything on this company. I then was told because my account was in the negative that they would be doing a " deposit " to make it positive and that I would need to return this money as a " good faith gesture '' via XXXX XXXX or XXXX., as you will see by the screenshots I did this several times and then they did another " deposit '' of XXXX and had me do the same thing but I had reached my limit so the next day I has to transfer the additional XXXX and that was the last payment I had to do. BUT they then deposited 2 more XXXX amounts in my account and tried to access my account and they were denied. By then the bank had noticed all this and froze all my accounts. I then had a negative balance of XXXX and the bank then transferred the XXXX that was in my savings for my sons wedding in XXXX to my checking account and that left me XXXX negative they have since removed all the fees and I am still almost XXXX in the negative. I have never seen any of the " loan money '' that I was promised. This is nothing if completely fraudulent and unbelievable. You will see from the attached documents that this looks very legitimate with all the FDIC numbers on the last page of the loan documents. I have attempted to contact all the numbers they have not responded to text, voicemail or emails.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

XX/XX/22 submitted dispute to all 3 credit reporting agencies for unknown debt listed from LVNV funding. results indicated n were verified as accurate. sent certified letter on XX/XX/22 to LVNF funding requesting verification of the alleged debt.They have failed to respond and continue to maintain this inaccurate unverifiable debt on my credit report violating the FCTA and FDCPA. I have been unable to resolve this matter with them. 
I intend to pursue legal action against them in federal court for their unlawful violations if they refuse to immediately remove said accounts.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir/Madam : My name is XXXX XXXX . I am a physician and a recent graduate of small-time law school. I am perplexed at the allowed misrepresentation by the powerful banks that are attempting to profit from money transfers between insurance companies and physicians. 

Facts : XXXX pays out approximately XXXX XXXX dollars to physicians and other medical services. The credit card companies want a part of this pie ( XXXX percent of XXXX XXXX XXXX XXXX ) by paying physicians with prepaid Visa card/Mastercards. 

I hope you understand that the medical insurance companies and the banks are violating so many HIPPA laws, violating contractual obligations, and misrepresenting the truth of the matter behind a curtain of " providing speedy payments '' to the physicians. 

1 ) Violation of HIPPA laws requires that patients provide consent for treatment, payment, and Health Care Operations Disclosure. This law allows for disclosure between banks, insurance companies, and physician offices. ( IT WAS NEVER MEANT TO SHARE PATIENT INFORMATION WITH VISA CARDS/MASTERCARDS PROVIDERS WHO PROVIDE DATA ANALYTICS TO THE FINANCIAL WORLD! ). 

Do patients know that the financial world uses client data to make financial decisions? 

2 ) Violation of Contractual obligation.

The insurance companies provide a fee schedule for any treatments provided by physicians. The fee schedule for example for EM 99291 may be {$180.00} dollars. This implies that the physician will be paid {$180.00} dollars for a particular management. However by paying in prepaid visa cards. NOW the physician is paid not {$180.00} but {$170.00} ( the Visa Card/MasterCard transaction fee of XXXX XXXX  or XXXX  transaction fees ). This may seem like a small number but over the course of the year, these transaction fees can add up to thousands of dollars in payment loss. 

3 ) Misrepresentation : I received a pre-paid card from XXXX. The document states " Patient Payment Enclosed. '' Along with this, it states, the patient 's name, address, account number, date of birth, service date, and {$180.00}. 

I personally called the patient and asked if he " actually '' paid me. The answer is NO. The patient did not pay me, the insurance company paid me! Furthermore, the patient did not agree to have his personal information shared with the credit card companies! 

4 ) Finally, the insurance companies force physicians to accept the payment by providing an expiration date on the pre-paid card. The expiration date would be only XXXX months. I have never been paid in any tender that expires in 2 months! 

I believe that the BIG Banks feel that physicians and patients are stupid and will never understand what is going on ; however, they are wrong. We are not stupid. I would like the XXXX to inquire and set standards in money transfers between insurance companies and credit card companies! 

Sincerely, XXXX XXXX, XXXX, XXXX
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

I have been a victim of identity theft for several years and its a constant battle keeping negative information and inaccuracies at bay! I informed XXXX, Equifax And XXXX as well as the FTC ON NUMEROUS OCCASIONS, that I Wanted an Extended Fraud Alert placed on my File. XXXX Has complied and processed some of my Disputes However, XXXX, XXXX and Equifax hasnt been so compliant to my disputes. All three Bureaus have disregarded the police reports Ive sent to them, The FTC Victim Affidavits and statements. I filed numerous disputes with Equifax and XXXX regarding inquiries. Any inquiry that isnt Attached to an account I did not authorize. The only Inquiry Made by me was with XXXX XXXX XXXX XXXX In XXXX of XXXX. Ive tried maintaining Freezes but somehow the fraudster steal weasels around it. Ive placed in my statements to not extend Credit or check Credit without verification of my identification. To ask for multiple forms of identification by Mail or Fax or In person only. My wishes for that hasnt been Met. XXXX has denied all of my dispute claims against the numerous Inquiries that has been made to my XXXX Report : XXXX Has denied the dispute Regarding the XXXX Account which was included in a police report, Ftc Statment and fraud Affidavit Ive sent them numerous times. They have violated FCRA 605B ( 15 U.S.C. 1681c-2 ). I have requested to have the negative FRAUDULENT Data Blocked, furnished all three bureaus ( XXXX, Equifax, and XXXX ) the proper Documentation I.e. Police Reports, FTC Statements, identity theft victim reports and statements. Due to these bureaus not correcting Certain discrepancies and fraudulent activities, Ive been Denied Access to certain Financial Products, Fair Housing opportunities, Certain Utilities, Fair Lending opportunities, Equal Employment opportunities, Business Ownership And Expansion opportunities, Life/Auto/home & Renters insurance . I Feel that another Class action should be en motion because Im certain Im not the only U.S. consumer being subjected to these Adversities Due to the CRA ( Credit reporting Agencies ) ignorance, negligence, and disdain
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

I received a XXXX test on XX/XX/2022 and the test was covered by my insurance. I have received many, many, many calls from RMP Services LLC regarding this bill, averaging 2-3 calls per day. I told a representative that I would not be paying this debt because it is not my responsibility, it is not valid, it had already been covered by my insurance, and it was a COVID test which was being subsidized by the government so I would not have had a bill even if I did not have insurance - *I did have full coverage medical insurance at the time of the test and the test was 100 % covered by my insurances*. Despite telling the representative this and to stop calling, the company has continued to call and harass me. 

I got the written notice in the mail, and tried to get more information as to why I am still being harassed and on the fraudulent debt through XXXX XXXX 's website but the account number attached to the debt letter is invalid. I have tried calling the number on the letter and have been disconnected every time a representative answers the line.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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: Bread Financial Holdings, Inc. (MD)

In accordant with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (IN)

I made a balance transfer in the amount of {$400.00} from XXXX XXXX and {$780.00} from XXXX XXXX into my Barclays account. These amounts never transferred but yet Im being charged interest on all the accounts! They never transferred but it showed they were transferred in the Barclays account! This was on XX/XX/18 and its still showing balances on all the account. Barclays has not done anything because they dont respond to my messages
Consumer complaint received 2018-02-26
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. (PA)

All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and  allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.
Consumer complaint received 2023-05-12
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. (IN)

In accordance with the Fair Credit Report Act XXXX Account : 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. 
I did not sign any document with this company, I am asking CFPB to investigate this matter, because your company failed to provide accurate information.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2023 at XXXX XXXX, I received an alert from XXXX XXXX of which I am a member, that a fraudulent account was opened in my name through Comenity Capital Bank for an XXXX XXXX XXXX Upon seeing the alert, I immediately informed XXXX that this account was not opened by me. 
About two weeks prior on XX/XX/XXXX, the first fraudulent account was opened in my name through the same bank, Comenity Capital, for a XXXX XXXX credit card. It was shut down by Comenity and XXXX the next day before any purchases were made. But it seems the same person is trying to open more accounts in my name through this same bank. 
On Friday, XX/XX/XXXX, after not hearing anything from XXXX yet, I called Comenity Capital Bank directly to inform them of the second fraud and ask them to cancel the account immediately. They proceeded to closed the account as directed and I put a freeze on my credit immediately afterwards.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (KY)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still a specific account that needs to be UPDATED. The XXXX credit bureaus must verify this account : XXXX XXXX XXXX XXXX : {$4000.00}
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2023-04-17
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX I was reviewing my credit report and noticed that their are some fraudulent activities on my credit report and the following accounts are being submitted to the be blocked and deleted from my credit report : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct : XXXX Sincerely,
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX and 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-15
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2023-03-03
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. (GA)

I received a response from the bureau stating that you complied with the CONSUMER NOTICE OF IDENTITY THEFT received by you on XX/XX/. Since XX/XX/, you have reinserted the accounts listed in this METHOD OF VERIFICATION REQUEST letter ; therefore, I demand a description of the procedure you used to determine the accuracy and completeness of these accounts.