davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

My complaint is for The XXXX XXXX XXXXXXXX XXXX in XXXX KY. About a year ago I was sent there to have a medical procedure for a missed XXXX. They did not submit my claim to my insurance. They didn't send me a single bill, basically I have been waiting and told things like it can take six months for the claim to go through and they have a year to bill you. I'm still waiting on my bill about about 1yr and 1 wk after the procedure. I check my credit every couple of months and see a new collection account for {$6500.00} and that is what it was for. They never sent the claim to my insurance because that is well above what my yearly out of pocket maximum would cost. I called the billing Dept at the hospital and asked about it and they told me they can't do anything about it because of the time frame. I called the collection agency they sent it to, they picked a random address off of my credit report I guess and told me I had the wrong address on file, I have kept my address current and updated it with the hospital and everything the day XXXX had to go. I had not lived at that address in 5 years and never when I used this hospital. They are trying to tell me it's my fault because of having an old address with them, which I have never had an account with that particular collection agency either. I have used this hospital 2 times in my life and they didn't send a bill either time, just straight to collections right around the time when they won't let me fight it anymore and when it's too late to negotiate a payment plan. The first time I found out they finally sent a bill straight to collections, I found out when they froze my bank account, this time, I check my credit regularly now because I don't trust them and found it that way with nothing about it from XXXX hospital or the collection agency through the mail or otherwise yet.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, my Bank of America account was compromised and the scammer transferred {$650.00} from my savings to my checking account, then used the XXXX feature built into the Bank of America app to transfer {$700.00} to themselves. 

On XX/XX/XXXX I noticed the fraudulent activity when paying off my credit cards and called my bank to report my identity had been stolen and explain what happened. Bank of America said XXXX would investigate the issue and open a claim. A claim was never opened and this still does not address that the scammer had access to my bank account to make the transfer from my savings to checking accounts.
Consumer complaint received 2016-07-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

I purchase a Gap waiver clause with my automobile loan from the bank. The car was total and now they keep saying its my responsibility to pay the loan until the insurance company pays the bank minus my dedu. The loan was due on the day of the accident. When I found out that the car was XXXX I went to the bank on the XXXX of XXXX 2016 and reported the lost of the car, I ask should I still make a payment? and the manager of the bank in XXXX, N.Y. Told me she was going to put in a claim immediately so not to pay because it will go to the collection and they will get in contact. Now they are claiming that my insurance did not response quickly they want me to pay for the time they took to settled this matter.. They also change gap company while this was going on. When I research on the computer who was handling banks insurance claim I saw it was the same company I had my insurance XXXX and then their change it in XXXX I do n't know who their covering but its obvious its not me.. I wrote to previous about this matter and did not hear from you. Forwarding letter of my correspondence.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

While XXXX and XXXX XXXX XXXX was on cease and desist XX/XX/2022 they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.
Consumer complaint received 2023-10-20
Product: Credit reporting 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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have repeated contacted Equifax about the inaccurate information that they are managing in my consumer file as it relates to XXXX XXXX XXXX XXXX XXXX for account # XXXX with an open date of XX/XX/XXXX. I most recently disputed the information report because it is obvious the information is inaccurate just simply by comparing previous reports from Equifax. The result of the dispute from XX/XX/XXXX with a completion date of XX/XX/XXXX and conformation # of XXXX ( see attachments XXXX pages ) the XXXX XXXX account # XXXX - shows the following information item as of date reported of XX/XX/XXXX, date of last payment of XX/XX/XXXX with date of 1st delinquency of XX/XX/XXXX and date of major delinquency of XX/XX/XXXX and charge off amount of {$36000.00}. Under the account history with status Codes : XX/XX/XXXX- L, XX/XX/XXXX-L, XX/XX/XXXX- L, XX/XX/XXXX- L, XX/XX/XXXX-L, XX/XX/XXXX - L. ^^^ According to the credit report I have not made a payment since XX/XX/XXXX but the first delinquency date of XX/XX/XXXX and the date of first major delinquency of XX/XX/XXXX : Now according to the account history with status code, the account suddenly went code XXXX, which is 120-149 days past due as of XX/XX/XXXX followed by code XXXX as of XX/XX/XXXX followed by code L as of XX/XX/XXXX which according to the code key means ACCOUNT CHARGED OFF. We know its impossible to suddenly be a code XXXX or 120-149 days delinquent for XX/XX/XXXX if the a last payment date of XX/XX/XXXX as indicated solely by what the credit report states, then to suddenly just up 180 days or more past due by XX/XX/XXXX. They also show on the report that the account has a first major delinquency date of XX/XX/XXXX, but then show the account charged off as of XX/XX/XXXX again this information is obviously wrong and grossly inaccurate. Due to Equifax 's continued non- compliance with the law as it relates to deleting inaccurate information has caused me great harm that continues to build as time continues to past and they refused to correct the issues. Due to them knowingly keeping grossly inaccurate information in there records with the refusal to correct needs to be made to comply with the law and now delete and block the account from my credit file. 

They are also reflecting a social security number of XXXX which is not my social security number. I have repeatedly ask them to remove this information and again they refuse to comply. It is obvious that they have a pattern of maintaining inaccurate information on consumer and refusing to follow the laws. If this is what they are doing to me, can you imaging how they are doing others who do not speak up. I truly feel this is a class action issue affecting many Americans. 



Over the last two years, I have to constantly contact this governmental agency because Equifax refuses to comply with the law as it relates to removing known inaccurate information from the consumers credit report as evident by previous complaints filed with your agency.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX/XXXX account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST ALLIANCE HOME MORTGAGE (PA)

XX/XX/XXXX I Initiated conversation and expressed interest in locking in a mortgage with the lender. 

XX/XX/XXXX The lender confirmed that rates can be locked-in based on todays rates which were sent to me in an estimate, and referenced in the text message XX/XX/XXXX I asked the lender to make sure that rates can be locked. 
The lender responded verifying that yes, well get same rates as today.Market today hasnt changed so well be good locking in tomorrow I responded OK Several disclosures and estimates were sent to me from the lender up until XX/XX/XXXX. All disclosures up until this point listed the interest rate at the initial promised rate as discussed in conversation. 

The lender sends a loan estimate and disclosure for settlement on XX/XX/XXXX with a changed interest rate, without any notice or explanation. He later says that the market was too volatile and he had to change the rate. 

This was an act of predatory and fraudulent lending that should not be experienced by anyone. Supporting documents are attached.
Consumer complaint received 2022-04-19
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. (MS)

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

XXXXXXXX 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 which I did not give.

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 2019-11-26
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS XXXX 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-20
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)

MY NAME IS XXXX XXXX XXXX AND I AN SUBMITTING THIS COMPLAINT WITHOUT ANY THIRD PARTY SOR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon reviewing the report, I discovered inaccuracies related to my Capital One credit card account. The inaccuracies are as follows : 1. Incorrect Last Payment History : The report states inaccurate last payment date and last reported date with XXXX, XXXX, XXXX which is incorrect. 
2. Incorrect Balance : The balance owed reflected on the report with XXXX, XXXX and XXXX as a balance owed. However, It inaccurately appears despite the balance being a debt transferred or sold. 

I would like to emphasize the importance of accurate credit reporting, as it directly impacts my financial reputation and eligibility for various financial services. The discrepancies in the report are not only misleading but also detrimental to my creditworthiness.
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MI)

On XX/XX/22 I sent a debt verification letter, which I will attach. I requested MULTIPLE items to verify that it was really my debt. I do not recall this debt owed. The item they sent back was simple, did not include what I requested at all ( I attached the ONLY item they replied with ) I requested an itemized final bill, a copy of the written agreement or promissory note I signed relating to this purported debt, when the debt was obtained by CCS, the amount they purchased the debt, the creditor 's address and name etc. 

In BOLD text I requested " physical verification of the original signed consumer contract '' I also requested details on their agency if they have a collection license in my state and if they are out of state their license number.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

i am a victim of identity theft and i sent in my FTC report along with all the information concerning 15 usc 1681 to all CRAs on XXXX for it to be deleted within XXXX business days. I am requesting that they delete the information from my credit report because its not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (MS)

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 Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-04-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (DC)

On XX/XX/2022, I The consumer notified XXXX now part of XXXX of the continue billing error on account # XXXX that was not updated and got a case # for XXXX, XXXX now part of XXXX representative told I the consumer that it was still a balance due on the account of {$610.00} that I the consumer owe, I notified the representative that I sent Tender of payment pursuant to UCC 3-603 and Endorsed the Instrument WITHOUT RECOURSE pursuant to UCC 3-415 ( b ) through the mail on XX/XX/2022 and it was received on XX/XX/2022 by a XXXX XXXX, at the time the payment was {$510.00}, XXXX now part of XXXX never denied or returned my Instrument therefore accepting the Instrument and still claiming I the Consumer owe this alleged debt that haven't been validated nor verified pursuant to 15 USC 1692g- Validation of debt which is a violation of the ( FDCPA ) federal Law, XXXX now part of XXXX is in violation of UCC 3-309 ENFORCEMENT OF LOST, DESTROYED, OR STOLEN INSTRUMENT as well XXXX I the consumer ask for the supervisor and the representative transferred me over to a ( XXXX XXXX, ID XXXX ) operating out of I.C. System Inc. I thought he was a supervisor, turned out to be a DEBT COLLECTOR which is False or Misleading representation pursuant to title 15 USC 1692e ( 10 ) ( 11 ) -The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer, I the consumer never got FULL DISCLOSER of ANY of these terms, XXXX now part of XXXX and I.C. System Inc. are committing IDENTITY THEFT and FRAUD and is in violation of UNFAIR PRACTICES as well pursuant to title 15 USC 1692f. I the Consumer/Beneficiary demand account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section.
Consumer complaint received 2023-06-29
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. (IN)

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 Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX FIN Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 2022-04-19
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. (IL)

I sent Experian a letter dated XX/XX/22 to request verification of debt and HIPAA authorization. I requested the following : - The names and business addresses of each individual with whom the information was verified - The date the credit furnisher was contacted - The method of communication used to verify the information - Original contract/application with my signature - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Experian sent me the same thing that XXXX XXXX sent me, which was an itemized statement and account summary that was created by them ( XXXX XXXX ). The invoice is spelling out a specific treatment that was allegedly given, and although I am not claiming this debt, that is a HIPAA violation. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization.