davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (TX)

On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. 

After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. 

My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). T he Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment. 
Patient Balance has been paid ( attached ) I have not received any answers to what this debt is about. I never received any letter or communication. 

The hospital had all my personal information and had my insurance information and no other claim was presented.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-01
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. (LA)

There is a collection on my account that is not only false it is NOT mine I have NEVER signed a contract with this agency I was NEVER contacted about this collection either! It is being reported that this is an open account for the amount of {$320.00}, BUT this is a collection this is a violation of my rights, also In accordance with the fair credit Reporting act XXXX Account # XXXX Security credit service, 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.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc. (CT)

I reached out to Hire Right to advise them that the information they have is inaccurate and incorrect. They stated that the information they have and received was from the credit bureaus. I reached out to all 3 credit bureaus, and none of my information matches the information that Hire Right have. I've stated and verify to Hire Right that this information is inaccurate and they must delete it immediately and I also stated to them they are in violation of my rights under the FCRA. They have ignore and denied my request and continue to report false reporting on my report and even after I verify the information is inaccurate. They are falsifying documents stating that they can not reach me, but then their mailing me out letters. I have mailed letter to Hire Right requesting a reinvestigation and to resolve my issue, Hire Right have declined my request. Due to this inaccurate information on my report I have been declined equal opportunity to housing, loans and employment.
Consumer complaint received 2023-02-28
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX Date : XXXX XXXX Amount : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (OH)

On XX/XX/2019, I received a call from XXXX on my cell phone. There was a " robo-call '' message on my voice mail stating that the call was looking for XXXX XXXX, who is my brother. I did not retrieve the message until XX/XX/19. I called the number back on XX/XX/19 for the sole purpose of telling them that I have nothing to do with any debt for XXXX XXXX, and to remove my phone number from their system, and to not make any further calls to me. The first call was placed at XXXX eastern, and was answered by a gentleman who did not, and would not provide his name, nor would he provide the name of the company he was calling from. When he answered my call, he requested my name, and I told him I would not provide my name, that he was looking for someone for whom I have no responsibility for his debt. He asked me to tell him how to get in contact with XXXX XXXX, and I told him that was not my problem. He responded by telling me that they would keep calling until I responded. I again asked for his name and the name of his company, which again, he would not provide. The entire conversation, he was talking over me, so I don't know that he heard anything I had to say, since he wasn't listening. Finally he said " have a blessed day '' twice and hung up on me.

I called for the second time at XXXX XXXX on XX/XX/19, this time I reached a woman I don't recall her giving me her name, but she did tell me the name of the company wad XXXX. I asked her what XXXX  stands for, and she would not tell me, and hung up on me.

I called for the third time at XXXX  on XX/XX/19, and immediately asked for a supervisor. I was transferred to a gentleman who told me his name is XXXX XXXX. He confirmed the name of the company is actually DRS, and that it stood for Direct Recovery Services. I advised him that this was my third call to the company, and that I am calling to advise that I have nothing to do with XXXX 's debt, and I wanted my phone number removed from their system, and I did not want any further phone calls from their company. He assured me that the number was already removed. I went through the entire thing again, asking him to confirm that my number was removed. He confirmed that it was.

Unfortunately, I have had similar issues with accounts that belong to my brother from other agencies, and it takes multiple contacts to actually get my phone number removed. I am filing this complaint because of their inappropriate tactics, they need to respond appropriately when they are called, not talk over callers and refuse to give their names and the name of their company.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX I went to paperless statements. One reason being is banks are one of the mail contributors of our forests being killed. The second being my mail constantly being delivered to the wrong address as my mail delivery person is always changing. However, bank of america continues every month to send me notices of missed payments, promotions, etc when they have been told NUMEROUS times to stop sending me paper notices. I've called and been told twice. And very rudely I might add " you're on paperless billing is there anything else I can help you with? '' Clearly I know this and they are not following it. If bank of america doesn't honor the request, why bother asking customers for permission. I want bank of america to STOP SENDING ME ANY NOTICES IN THE MAIL. I check my email, I know my bill is due, I cut up my card and I have stopped using my card and will be paying my balance off and closing the account. So for the last time I want them to stop sending me mail for ANY REASON.
Consumer complaint received 2023-01-22
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: Quick Debt Services LLC (MD)

All three credit reports are inconsistent. I continue paying down my credit cards on my credit report does not go over XXXX for the last XXXX  years has been a real inconsistent pattern with my credit report. Please investigate this situation.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon Reviewed my credit file, it appears there is a XXXX Collection in the amount of {$210.00} that have already settled. It Reappear in my credit files after it was already settle with the creditor.
Consumer complaint received 2023-03-01
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. (GA)

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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
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: General Motors Financial Company, Inc. (MI)

The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.
Consumer complaint received 2019-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

I currently have an auto loan with Ally Financial. I am near the end of my loan and am ready to pay-off the loan. Now that I am ready to pay-off my loan, Ally has added late-fees to my loan. These 'late fees ' began in XXXX thru current. However, these fees never showed in the current balance due. When I contacted Ally for an explanation of these fees and why they were never included in my current balance due they said that as a convenience to their customers they put the late fees on the end of the loan. But as a customer it would have been easier for me to pay any late fees when I paid my car note each month instead of them accumulating any late fees thru the life of my loan and sticking them onto the end of my loan. I called Ally on XX/XX/XXXX in an attempt to pay-off my loan but the pay-off amount given online was not the same as the pay-off amount given my the CSR I spoke with at Ally. I requested that the late fees be waived since my current balance due never reflected any late fees and they Ally said that you can only request that late fees be waived once over the life of the loan and I exhausted that request in XX/XX/XXXX. But I was unaware that I had late fees so how could I request that my late fees be waived when I was unaware of any late fees on my loan? Also, my payment history shows several months of over payment of my loan but the over payment amount was never applied to the 'late fees ' on the loan.
Consumer complaint received 2023-05-11
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. (NJ)

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 OF XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX CARD : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX  XXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Home Finance LLC, as a mortgage broker, issued a mortgage loan ( loan # XXXX ) using my identity information in 2007. The last 4 digit of my social are XXXX. 

The loan addresses the broker to be as Chase Home Finance LLC, XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Please provide me the information of the loan that you may have had about the loan, since it's origination up until disposition as o today, so that I can assess and recover any kind of damage it may have caused. 
Thanks. 
XXXX
Consumer complaint received 2023-02-28
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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 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 2023-02-28
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: EQUIFAX, INC. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries that appear on my credit report. Specifically, I am disputing the following inquiries : XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiries XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX, XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries I do not recall authorizing any of these inquiries and I have not applied for credit with any of these companies during the time period these inquiries were made. These inquiries are having a negative impact on my credit score and are affecting my ability to obtain credit. I am requesting that these inquiries be removed from my credit report. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your review. Please investigate this matter and remove the disputed inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Sears Matercard Requested a credit line increase from {$2800.00} to XXXX. Received a letter dated XX/XX/2023 stating that Sears had increased the credit line to {$2800.00}. The {$2800.00} was the current credit limit and there was no increase. Called customer service and was told that credit increase request was denied. Customer Service rep could not explain. why it was denied. 
I had this card for over for 40 years, have a yearly income over XXXX XXXX, a credit score over XXXX and have paid in full every month with no late payments, Based on the above I am requesting a explanation why the credit line increase was denied,