davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/2003, opened a capital one venture credit card in error based on erroneous information on the company website, On the capital one website, they list of XXXX mile bonus for their venture one card at the beginning of the website. Also, for the exact same credit card, on a different page of the same website, in small print, list a XXXX mile bonus for the exact card. I didnt think it mattered what page it was on as long as the same website and was stuck with a XXXX mile bonus. On XXXX and XXXX talked to numerous representatives at capital one who, after talking to all of them, they agreed with me that this was either an error or some new marketing approach, and they could see why I was confused. After talking to three or four people who agreed with me, they discussed with someone higher up but I was not given the chance to talk to him. Hours of time wasted. The next morning got another call from another representative who told me my request to get the higher bonus was denied. Closed my account at that time as did not to ever associate with such an unethical company. I was told that they had millions of customers, so it didnt really matter what I thought even though I was correct I dont think Capital One should be able to market their products in a way that confuses people.
Consumer complaint received 2023-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Revenue Systems, Inc. (NJ)

The debt collection company is collecting a debt that we are contesting the validity of, with the creditor. The creditor, a healthcare provider, is trying to collect a debt resulting from a healthcare provider 's error in ordering the medical procedure. Furthermore, the medical procedure was never performed, so there should be no charge that I owe. 

The amount of {$160.00} that the debt collection company XXXX XXXX XXXX XXXX XXXX XXXX ) is trying to collect is part of a statement from the creditor ( New Jersey XXXX XXXX XXXX XXXX. ). We filed a complaint against New Jersey XXXX XXXX XXXX XXXX. ) for XXXX charges from different dates of XX/XX/2023 and XX/XX/2023. After complaining and without explaining the reason, New Jersey XXXX XXXX transferred the charge for the date XX/XX/2023 to the debt collector company, XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

The results are do to a motor vehicle accident that accrued in XXXX of 2019. I was the passenger and the XXXX  I was in was XXXX  by another vehicle. The total medical claim was for {$13000.00}. I should have not been responsible for any bills what so ever. This needs to be removed from my credit report please help resolve this for I have attempted several times. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-06
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to Nissan to run my credit check a second time. As a result of Nissan 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact Nissan, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since Nissan was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a Nissan rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Consumer complaint received 2020-12-30
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 accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX  '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!
Consumer complaint received 2021-10-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Ave Student Loan Servicing, LLC (SD)

Ive been in touch with this lender, CollegeAve, 10 times since this issue started. During Covid my father lost his job. I called asking if there was some way we could adjust the payments due to our income changing. He is my co-signer. They told me I could only defer it or make $ XXXX monthly payments. I wasnt thrilled about how low the only other payment option was, but I said I would go with that option. They put me on forbearance instead. The next month, when I went to make the payment, I called letting them know there was a mistake. I was told there was nothing they could do about it and I would have to wait the 6 months until the forbearance was up. I called 3 more times. I called again when they dinged my credit for a missed payment while I was on forbearance. After threatening to take legal action, it disappeared off of my credit report and student loan statement. I waited the 6 months to call again and attempt the {$25.00} option for the 2nd time ( or see if there were other options ) and was put back into forbearance. Again I was told there was nothing that could be done. My forbearance is up XX/XX/XXXX. I need an income based repayment plan. They have now added a year of interest to my balance. I was told my only option would be to refinance if I wanted something better suited for my income, but with my credit score alone I dont qualify for one. My co-signers credit has only taken a hit since not having work to pay his debts.
Consumer complaint received 2022-10-29
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. (WI)

On XX/XX/2018 I cosigned on a car for a family member in the amount of {$7600.00}. The monthly payment was set for {$660.00} at a fixed rate. Six ( 6 ) months later the person was able to get the loan transferred out of my name into their own name without a cosigner. I have since fought to get the original creditor to remove my name off of the file on my credit report. We have sent in proof the loan has been transferred and everything else that was requested without ay changes being made. The person has also provided them with a copy of their new loan which shows my name is not on the loan.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Consumer complaint received 2021-10-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian Credit Reporting Agency has a XXXX XXXX XXXX XXXX account in my credit files that is not linked to my name or address attached to this collection account is showing a status : Seriously Past due date/assigned to attorney, collection agency, or credit granters internal collection department.I originally mailed dispute letter to experian on XX/XX/21 included all of the supporting documents that was requested which was copies of Drivers license, social security card, police report, Identity theft Report, my full name, date of birth, current address which also reflects my address for past two years.Experian states they never received dispute letter mailed XXXX.After I was informed Experian never received dispute letter I decided to send Experian a certified letter requiring signature upon receipt.I also was able to successfully upload the supporting documents as listed above to experian 's documents upload site.Experian finally admitted to receiving the dispute letter and supporting documents that was sent via certified mail.However Experian denies receiving uploaded documents.Experian representative stated on XX/XX/21 that they received dispute letter containing requested documents on XXXX I reached out to experian due to a previous dispute of Portfolio Recovery Associates Collection account not being removed from my credit files, address that doesn't belong to me being in my credit files, and questioned the removal of the name that the Collection Agency reported to the credit bureau due to Experian representatives previously informing me that name could not be removed due to it being linked to the collection account.I spoke with a rep XXXX asked to speak with supervisor since rep response to my questions was " I don't know '' Rep would put me on hold come back to phone and claim he was unable to get supervisor.Rep even questioned me why I wanted to speak with supervisor I replied Its my Right basically I was denied the chance to speak with a superviso
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (IL)

dear 1- MEDICAL BUSINESS BUREAU claims that I owe them {$500.00}. 
they never send me any bills or comunication. I did not receive any official notification about having the bill will go to a collection! I did not hear about this company before.

2- this company harms me by reducing my credit score 47 points costing me an increase in my car loan I am attempting to take this is cost me an extra {$3500.00} in my car loan i going to take.

3- MEDICAL BUSINESS BUREAU it is unethical to do that to people the should remove this record from the credit report for unfair act and miss communication.

4- before adding something to the credit report they should have communication explaining the situation what is my rights and my obligations.
Consumer complaint received 2022-10-29
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. (WI)

On XX/XX/2018 I cosigned on a car for a family member in the amount of {$7600.00}. The monthly payment was set for {$660.00} at a fixed rate. Six ( 6 ) months later the person was able to get the loan transferred out of my name into their own name without a cosigner. I have since fought to get the original creditor to remove my name off of the file on my credit report. We have sent in proof the loan has been transferred and everything else that was requested without ay changes being made. The person has also provided them with a copy of their new loan which shows my name is not on the loan.
Consumer complaint received 2021-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

A XXXX account was opened in my name in XXXX and never paid until it was closed in XXXX. I was never aware of this until last month L J Ross and associates hit me with a collection. I called both companies letting them know i was incarcerated in XXXX and didnt get out until the end of XXXX and that i had the documents to prove it. Both companies gave me problems and never once accepted the documents
Consumer complaint received 2021-10-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I XXXX XXXX has been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any information. These accounts are also in litigation, initiated by myself. I want XXXX to delete this information and to be accountable for their illegal actions.
Consumer complaint received 2021-10-22
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc. (MI)

In XX/XX/XXXX I was applying for a loan and set up XXXX XXXX. 
I noticed on my account that I had a collection from Arbor Professional Solutions ( APS ) for XXXX XXXX XXXX of {$830.00} dated XX/XX/XXXX. 
My deceased father and I have the same name, I don't recall going to XXXX XXXX XXXX and they are out of business. 
I called Arbor Professional Solutions on XX/XX/XXXX and XX/XX/XXXX requesting proof of the debt. On XX/XX/XXXX they admitted that they had not sent any collection notices to me but that they would get it in the mail. They never sent the information. 
Arbor is still reporting a delinquent collection. 
I have written the credit reporting agencies and both stated APS claims it is a valid debt. 
On XX/XX/XXXX I sent then registered note that I had disputed the account information and requested that they had 30 days to provide proof of debt or remove the inaccurate information they are reporting. 
In that letter I stated that I would report them to the CFPB and to the XXXX  and if necessary take legal action. 
I have not received any correspondence from APS.
Consumer complaint received 2022-10-30
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, the XXXX XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX ACCOUNT # 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 crime which antedate 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: CAINE & WEINER COMPANY, INC. (IL)

I never had an account with XXXX XXXX XXXX. I also dont even know where the original debtor originated from. This is fraudulent
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

XXXX-XXXX is horrible. In process if purchasing home. I reached out to them XX/XX/2020 to settle debt. They then placed a dispute on account. Ive been calling to have dispute remove and pay debt. Its a different amount every time. I asked once paid to delete from credit report. They promised it would and it still has not happened. Its paid and still negatively effecting my credit to close on my home. Want it deleted!!
Consumer complaint received 2021-01-11
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: CBC Companies, Inc. (GA)

I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action Factual Data XX/XX/XXXX no action Factual Data XX/XX/XXXX no XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down 30 points?????????? 

I called XXXX to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. 

I spoke with XXXX Supervisor XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the XXXX card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was 83. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. 

Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in XXXX XXXX.