davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-25
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: Capital Accounts, LLC (TX)

I received letter from capital accounts under account XXXX on XX/XX/XXXX for creditor XXXX XXXX for pay balance of {$320.00}. 
I went to get one XXXX XXXX on XX/XX/XXXX. I and my insurance paid them full admissible account of XXXX XXXX. 
After year end, they send my balance {$290.00} showing that they also XXXX  XXXX XXXX during this procedure of XXXX XXXX which was rejected by my insurance that XXXX XXXX is only done when XXXX XXXX. I was also in strong anesthesia and do not know if they XXXX XXXX. I questioned XXXX office that why no approval was obtained from me nor admissible, they simply replied sorry. 
I called and send numerous request to Capital accounts that XXXX XXXX is not done by any XXXX when we go to XXXX XXXX. Verbally they always agree with my submission but looks as part of their paid service they send this debt to credit records. It will not be out of place to mention that this XXXX has mostly been overcharging than admissible amount allowed by my insurance which was brought to the attention of Capital accounts. In nut shell XXXX has been charging me by unfair means. 
Kindly arrange to help as no XXXX XXXX is done by any XXXX  at his own when any customer goes to XXXX XXXX. 
With kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (TN)

recently I di an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items tht your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I CHECKED MY CREDIT REPORT AND NOTICED THAT THERE IS ACCOUNTS THAT DONT BELONG TO ME. XXXX XXXX IS THE MAIN ACCOUNT. THIS IS BRINGING ME GREAT DISTRESS AND I CAN NOT CLOSE ON MY NEW HOME NOW. I MAILED IN MY FTC REPORT TO ALL THREE CREDIT COMPANIES AS WELL.
Consumer complaint received 2020-12-27
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: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Many years ago ( 10+ ) I got divorced and my credit was shot due to factors including ex wife quitting her job ( before the divorce ) and us not being able to pay credit cards and other debt due to young age and all that. 

My credit was destroyed and it took me years to rebuild it and got to where I can buy a house etc. I had only one negative left on my report which was a collection for a previous credit card or something - from Portfolio Recovery Solutions. 

I decided to try to do the right thing and called them to work out a deal. They put me in touch with their " legal '' department directly with a rep. I talked to him and they agreed to take 50 % and the debt would be marked as paid and NO LONGER REPORTED to the credit bureaus. I paid them approx $ XXXX ( half of the debt owed ) and then some time later I notice on my credit bureau a new charge with UPDATED DATE with the new balance. 

I've disputed this with all three bureaus 2 or 3 items each including all the emails from the collection agency. They continued to call me, send me letters, harass me about this debt and when I explain to them what happened they just say okay we'll research it then NOTHING HAPPENS. I know that credit bureaus and collection agencies will not DELETE an item from a report when it is settled, but it should have been marked as SETTLED and the balance should NOT HAVE BEEN REPORTED and therefore by now that negative would no longer be showing on my credit!!! 

This debt is from 10+ years ago but because I paid them they updated the date to XX/XX/2016 which I am now struggling to get this removed. I am trying to refinance my house and because of this one thing it is causing issues. 

This is NOT RIGHT! 

Attached are the emails with the " lawyer '' you can see what they agreed upon. Once I Paid they ghosted me, they would not respond. I sent multiple emails with no response.
Consumer complaint received 2023-07-10
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: SYNCHRONY FINANCIAL (MN)

I am writing to file a formal complaint regarding an unauthorized inquiry made by SYNCB on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to resolve the issue. As a consumer, I am well aware of the protections provided under the FCRA. Section 604 of the FCRA clearly states that consumer reporting agencies, such as SYNCB, may only furnish a consumer report under specific circumstances, one of which includes " in accordance with the written instructions of the consumer to whom it relates. '' To the best of my knowledge, I have never provided written consent to SYNCB or any related entities to access, gather, or inquire about my credit report. Therefore, I strongly believe that the inquiry made by SYNCB is unauthorized and in direct violation of the FCRA. I understand the importance of protecting my personal information, particularly in the context of credit reports. The FCRA explicitly directs consumer reporting agencies to treat their duties with fairness, impartiality, and respect for the consumer 's right to privacy. By conducting an unauthorized inquiry, SYNCB has failed to fulfill these obligations and has infringed upon my privacy rights as a consumer. I am seeking immediate resolution and request that the CFPB thoroughly investigate this matter. In doing so, I kindly ask for : 1. Verification of the unauthorized inquiry made by SYNCB on my credit report.

2. Appropriate actions taken against SYNCB to rectify this violation of the FCRA.

3. Assurance that SYNCB will cease any further unauthorized inquiries on my credit report.

4. Compensation for any damages or harm caused by this unauthorized inquiry, if deemed necessary. 
I expect a prompt response from the SYNCB regarding the initiation of an investigation and the subsequent steps taken to address this issue. 
Additionally, I would appreciate regular updates on the progress of the investigation and any actions taken by the CFPB. Please note that I have retained copies of all relevant documents, including my credit report, for reference and potential legal action should it become necessary.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc. (CO)

I was seen at the hospital for a vehicle accident that was causing XXXX-pain issues and XXXX/XXXX XXXX. Doctor never gave me a XXXX-check, or even examined me, just offered me pain pills and discharged me. Still have pain to this day because of the accident but could never afford a lawyer to fight it in court.
Consumer complaint received 2020-12-24
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'M A VICTIM OF IDENTITY THEFT EXPERIAN IS REPORTING 2 ACCOUNTS ON MY CREDIT REPORT, IN WHICH IT DON'T BELONG TO ME. THE 2 ITEMS I'M DISPUTING ARE BELOW : XXXX AND XXXX XXXX I RECENTLY FILED A CASE WITH THE CFPB CASE # XXXX COMPANY REPLIED BACK THIS : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 


I'M MORTIFIED BECAUSE I WAS THE ONE THAT CALLED EXPERIAN ON XX/XX/XXXX AND SPOKE TO A REPRESENTATIVE THAT ENTERED MY REQUEST IN, I REQUEST EXPERIAN TO LISTEN TO THAT CALL. I AM ON THE CFPB STATING I WANT TO DISPUTE THESE ACCOUNTS DUE TO IDENTITY THEFT. ALSO I WAS INSTRUCTED BY THAT SAME REPRESENTATIVE TO UPLOAD MY INFORMATION VIA THE THEIR WEBSITE, IN WHICH WAS THE POLICE REPORT FOR XXXX, FTC IDENTITY THEFT REPORT, AND MY ID
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NJ)

Dear Ally/ Whom ever it may concern, Requst I'm requesting a copy of the credit application submitted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. Also any other documents you have regarding this matter. 
Reasons I was mislead in believing only one bank ( Not Ally ) would be making an inquiry on my credit. Also Ally inquiry was duplicated on XXXX. XXXX removed one of the Ally inquiries. DISPUTE date generated and updated XX/XX/2022 Report # XXXX with XXXX. 
In close with this letter is the denial letter sent to me by you.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor acknowledges receipt of the letter requesting no further communication, the creditor asserts its right to continue to send " servicing correspondence '' such as monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-09
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)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-07
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. (FL)

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct the following accounts from my Credit report : XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$52000.00}
Consumer complaint received 2023-10-23
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: Colony Brands, Inc. (WI)

On XX/XX/2023 I received notification that a hard inquiry hit my report Via XXXX XXXX. I contacted the company to let them know that I did not authorize the inquiry, and I was told that I would need to wait 5 days until it could be reversed. I continually tried to call the company until I was told I would have to dispute with the credit bureaus. When I disputed said information to XXXX and requested validation, I would receive a response that the information was validated. On XX/XX/2023 I sent correspondence to the company requesting validation, according the Fair Credit Reporting Act I am entitled to be shown an original contract bearing my wet signature authorizing this transaction.
Consumer complaint received 2020-12-26
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. (IL)

Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of written instructions.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

XX/XX/2021 I returned a toy from XXXX which cost me {$81.00}, XXXX refuned to AFFIRM {$45.00}, therefore I only owed {$36.00}. XXXX  contact me months later to indicate I owed {$81.00}, which I disputed. I attach all the emails and the price I paid for the toy showing the refund from XXXX. Affirm refuses to remove the bad credit off my credit report, I only owe {$36.00} that I will be most happy to pay.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : XXXX  XXXX  XXXX  # XXXX. I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.
Consumer complaint received 2022-12-27
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. (NC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (TX)

I am writing this letter to make note of a separate, yet more concerning violation of my consumer rights than the one I submitted earlier today. 

Another violation crossed yet again by " National Recovery Agency, '' which is beginning to make me question not only their motives and illegal practices with me, but also prey on the many other innocent, hard-working, law-abiding, honest, American 's who's only crime is being too busy to spend the time that I sure as heck don't have right now in putting an end to these phantom-like bullies who appear from nowhere until you're checking your credit report as usual to having a million questions with very few places to seek valid information in hopes not to walk into another scam from fraudsters like them...

This next deceitful trick from NRA is one they've only made known to me, and not the bureaus this time. The " supposed debt '' they shared with the bureas was {$1700.00}, but when I called to inquire, I was told to pay a higher amount of {$1800.00}, which was also shown in an email sent to me " per my request, '' which mysteriously ended up in my spam folder which only makes up about 1/100 the emails sent to me, as if it had been sent in a way to be flagged to stay under the radar to buy them more time which again, is not something I have ever had much time for until it's kept me up all night missing work, and now doing it all has literally made me ill... 

One other deceitful scheme that I'll mention to spare us all from another letter and to expidite the process in ultimately removing this invalid " debt '' as well as this crooked collections company from any further damages to me than they've done already is to state that just after reading the cheap response to my first letter, they updated and verified the bureaus in only an address update. Nothing else they stated they would do was reflected to the bureaus, and hidden very well in one bureaus updated report was that I agreed to pay the amount of {$1700.00} withing 1 month!!! I can't make this up!!! I never once stated, wrote, or typed any such accusations, and what would they do next if I didn't fulfill the promise they made on my behalf???

This has gotten entirely out of hand, and it needs to stop here and now. If my docter tells me that all of this sickness I'm starting to endure is due to the countless research and costly measures I've taken to make the 3 bureaus, CFPB, etc. aware of what companies like NRA are doing to me and others, then I won't be sending anymore letters. I've done all a common working man can do. It'll need to come from someone, because I can't live this way...
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2016-03-19
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Collections U.S.A., L.L.C. (PA)

I was sent to the ER after a XXXX because of XXXX and XXXX after attempts by XXXX. He told me to go there to get an XXXX incase XXXX. This bill is for that visit and I feel that since the XXXX place put me in that XXXX I should not have to pay for said visit. It should have been taken care of in their office.