davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I spoke to someone over the phone about 2 years ago and this is for a debt from 2013, which is more than 7 years and was inflated from XXXX $ which was my credit limit on the XXXX  XXXX  to over 600 . I have been threatened to be sued, called numerous times, letters in the mail. This is ridiculous.
Consumer complaint received 2020-04-07
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: HCFS Healthcare Financial Services of TeamHealth (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit
Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2021-12-16
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 am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-04-07
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: Continental Services Group, Inc. d/b/a ConServe (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). 
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2020-04-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Recently last year I was XXXX  from my job and was XXXX  for seven months straight. I During this period i was XXXX  for three months and had no money/income coming in to pay anything. I got behind on this credit card and they closed my account and charged off the debt.The amount that is now owed is {$16000.00} and that is due to the excessive interest they continued to charge me after i told them i could not afford to pay them because of my recent XXXX  job.I was put in a hard place and i dont feel like they were trying to work with me.
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: EQUIFAX, INC. (PA)

i have tried contacting XXXX, XXXX, and equifax various times within the past year challenging the 100 % accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau XXXX is reporting {$3900.00} XXXX is reporting {$3900.00} equifax is reporting {$3500.00} dates of last active do not match per bureau XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX dates of last payment do not match per bureau XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX and if you look at the 2 year payment history they are reporting XX/XX/XXXX
Consumer complaint received 2020-04-07
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. (AR)

I having been going back and forth as of late with the credit bureaus due to someone impersonating my identity and opening several accounts without my knowledge. This has truly caused a devastating financial impact on my current situation. I have submitted several pieces of correspondence including my identity theft report # XXXX, copy of my driver 's license, utility bill, and social security card. I'm aware of the 30 day time frame alloted under the Fair Credit Reporting Act the bureaus have to to provide accurate verification. The fraudulent account in question is ( Dept of Edu # XXXX ). This is account was established from the direct result of identity theft and should of been blocked within 4 days of Transuion, XXXX, and XXXX  of being notified after receiving my identity theft report from the Federal Trade Commission. Transunion has and continues to violate my consumer rights under the Fair Credit Reporting Act in regards to consumers who have been a victim of identity theft per section 609 and 611.I have provided more than the required documentation to support my claim and Transunion should adhere the FCRA laws .
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Was victim to fraud via XXXX. Made complaint on XX/XX/20 for two amounts totaling in {$990.00}. Received letter dated XX/XX/20 saying I couldnt get money back. I want to file police report if needed. I cant get ahold of person I sent money to he blocked me. He told me he wasnt going to send money back. I am struggling right now just had baby last week need this money back ASAP.
Consumer complaint received 2021-12-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

In accordance with the Fair Credit Reporting act I.C System In 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.
Consumer complaint received 2023-05-13
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. (GA)

The XXXX XXXX XXXX XXXX collection account was opened fraudulently back in XXXX. I have disputed this item as a result of identity theft numerous times, but XXXX continues to report this fraudulent account on my credit report. I mailed and faxed the company documents last year including an FTC report, identity theft affidavit, and a police report supporting identity theft. After spending countless dollars mailing and faxing this information to XXXX upon their request, they still are refusing to stop reporting this fraudulent account to my credit report. 

On XX/XX/XXXX, I reached out to the original creditor, " XXXX XXXX XXXX '' and obtained copies of legal documents including the original contract and the GAP Addendum to Installment Sales Contract. It appears that the GAP Addendum to Installment Sales Contract does not bear my signature nor the signature of the creditor or dealership representative on behalf of the creditor. It also appears that there is a discrepancy between th

e GAP insurance coverages. Attached to this complaint is two docu
ments : the GAP Addendum to Installment Sales Contract in which does not bear my signature, as well as the Calculation of Surplus or Deficiency document that reflects a discrepancy between the GAP insurance coverage amounts listed on both the GAP Addendum to Installment Sales Contract and the Calculation of Surplus or Deficiency document. This GAP contract shows that the price of the GAP coverage totaled {$790.00}, whereas the Calculation of Surplus or Deficiency document shows that the GAP insurance rebate totaled {$800.00}. This information can be found in the highlighted portions of the attached documents. Regardless, the original creditor does not have my signature on the GAP contract, which proves this transaction was not authorized by me. This information provided clearly shows inaccurate information reported on my credit file and should therefore, be permanently deleted from my credit file. 

According to the Fair Credit Reporting Act, it states, " In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As a result, promptly remove this account from my credit report.
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act all these accounts have violated my rights. 

15USC 168i section 602A States that I have a right to privavy.

15 usc 168i section 604a section2 It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-05-05
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. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act all these accounts have violated my rights. 

15USC 168i section 602A States that I have a right to privavy.

15 usc 168i section 604a section2 It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I recently disputed a collection account in my credit report per Experian results the collection account was removed but also Experian dropped my credit score XXXX points on XX/XX/ for no apparent reason. That score is incorrect XXXX points is a lot of points for nothing to change except a collection account that was removed
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (GA)

THE ITEMS BELOW ARE INSTANCES OF IDENTITY THEFT I DID NOT AUTHORIZE THESE ACCOUNTS. 
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 2023-01-06
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. (GA)

THE ITEMS BELOW ARE INSTANCES OF IDENTITY THEFT I DID NOT AUTHORIZE THESE ACCOUNTS. 
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 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Not all the information is correct on the XXXX credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

An old bill from a XXXX has been settled. 

The settlement documents were provided to the collection agency which sent a request to all three major credit bureaus to remove it from my report. 
XXXX  and XXXX have removed it. 

Experian refuses to remove the collection item from my credit report which is a violation of the Fair Credit Reporting Act, and or/ the Fair Debt Collection Act. 

I would like to pursue an official complaint with Experian and or legal action for this violation. 

Thank you XXXX XXXX
Consumer complaint received 2023-01-06
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)

Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed XXXX  years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed XXXX  years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, XXXX XXXX XXXX