davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
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. (NY)

I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the City of  XXXX Fire Department. 
It is a medical bill for ambulance treatment and transport to the hospital for a medical emergency on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the City of XXXXXXXX, so to my knowledge there is no date of initial delinquency. 
Second, assuming that the City of  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the  current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.
Consumer complaint received 2022-12-29
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. (SC)

Re : Account # : XXXX XXXX XXXX XXXX { XXXX } To Whom It May Concern. 
I disputed the referenced accounts above on { XX/XX/2021 }. The credit report of { Experian } shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report Thank you, XXXX XXXX XXXX XXXX Include the Following Documents - Drivers License Utility Bill
Consumer complaint received 2023-01-27
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. (GA)

Credit companies have for years refused to correct my personal information. XXXX has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after XXXX  days. 

I see that Charges offs are being added to my reports after paying the original companies, All XXXX Agencies see ( after I have called them ) this and have done nothing to remove this, again all XXXX 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and Hard inquiries should not be anywhere on my XXXX or more reports.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tri-Counties Accounts Adjustment Bureau (UT)

Account Recovery Services is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/2020 I received a phone call that a charge of {$4600.00} of had been made to my Discover Card ending in XXXX. I did not make this charge. Contacted Discover - requested cancellation of this charge and cancellation o card ending in XXXX - requested a new card. Checked my profile with Discover online - changes, unknown, to me had been made to my account. Corrected these changes. I was told this charge would be reviewed and I would be issued a new card. Rec 'd a new card ending in XXXX about 5 days later - {$4600.00} charge was still on the new card account. 
Contacted Discover - was told that they had rec 'd a call telling them that this charge was valid - I did not make a call stating this charge was valid. 
I have been receiving calls from Discover every week to 10 days requesting payment. I have denied payment. They recommended I file a report with my local law enforcement agency - My XXXX address is outside of the city limits so I am filing with the XXXX County Sheriffs Office..
Consumer complaint received 2021-01-13
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: Early Warning Services, LLC (FL)

I recently attempted to open an account with XXXX XXXX and they alerted me that i was in the Early Warning Services and I was denied to be apart of their credit union. But when I contacted Early Warning Services. They told me on the phone they dont know why they said that and they can only provide me with a Report and then I can only dispute anything i find inaccurate on the report. They were suppose to Email me and Mail me the report. I have not received any email or mail from them. XXXX provided me with detials and even a client inquiry number. However Early Warning Services told me they dont use any Client Inquiry numbers and they dont know why XXXX told me that. The letter is attached.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Self Financial Inc. (CA)

On XX/XX/year> I received an email and a text telling me I had opened a XXXX XXXX  account. I had never heard about self incXXXX let alone set up an account. Someone has stolen my identity and opened an account in my name. I called the only number listed and after providing my information the representative told me he canceled my account. I asked to speak to someone to find out what information the identity thief used to open an account. I wanted to know how this happened as I never verified an email or phone number. I wanted to know if someone needs to submit any type of photo identity to open an account. I wanted a letter stating that 1 ) The fraudulent account is not mine. 2 ) I am not liable for the account. 3 ) It was removed from my credit report. I asked to speak with someone who could help me and the customer service agent said he did not have any way to contact someone in the " back office ''. There was no email or phone number he could provide. All he could do was send a message and someone would get back to me within XXXX business days. I later received an email from XXXX. It stated " the account is valid and reporting correctly ''. The e-mail did not provide any way to follow up, no email and no phone number. I called again and went through the same process to try to talk to someone. Again I received an email that stated " we have completed the investigation and determined the account is valid and reporting correctly ''. Again there was no way to have a conversation with anyone from the bank. As it stands self continues to consider my account a valid account and they have shown no interest in recognizing the fraud occurred or helping me understand how it occured. They have also not shown any interest in helping me understand what information they have.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Atlanticus Services Corporation (PA)

I mailed a dispute to all three Credit Bureaus regarding late payments to ASPIRE Credit Card on XX/XX/2023 they received on XX/XX/2023. The date is currently XX/XX/2023 and there is still no Notice of Dispute on my XXXX or XXXX Report. XXXX posted a Notice of dispute 60 days past disputed time frame ( 5 days after investigation ) that is required by FCRA section 623. I have never received notice 5 days after their decision which also falls under FCRA section 623. That is fine of {$1.00} per occurence. Please have them remove from my credit report and fine them for blatantly disregarding the FCRA laws. Thank You XXXX XXXX
Consumer complaint received 2021-01-13
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: LD Holdings Group, LLC (TX)

I recently contacted Loan Depot regarding a mortgage refinance. I explained to them I was interested in estimating what my loan costs/feasibility would be, but that I was unwilling to have them pull my credit with a hard inquiry until we could confirm some information. Unfortunately, Loan Depot still pulled my credit with a hard inquiry without my permission. I wrote to Loan Depot and asked them to provide me with the evidence of the permission I granted ( which was never granted ). They were unable to provide this to me and did not follow up. This has caused my score to decrease and impacted my creditworthiness.
Consumer complaint received 2021-01-13
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. (ND)

I have submitted a police report and dispute to Equifax on XX/XX/2021 via fax which Equifax received and was confirmed via phone conversation with representative. I am disputing the following inquiries 1. XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX 4. XXXX XXXX XXXX. I was told it would take 30 days to dispute but according to the FCRA 605B this type of matter should take a maximum of 4 days. I am demanding the inquiries be removed from my credit report immediately as it has already been 8 days since I've submitted my information and dispute
Consumer complaint received 2023-01-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

IN accordance with the Fair Credit Reporting Act, the list of accounts below have 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NM)

Original debt showed XXXX XXXX  for approximately XXXX dollars. Then sold to Resurgent/LVNV. I tried to dispute with no success so I settled with a party representing Resurgent/LVNV. I sent a copy of the Settlement Letter, Cashiers Check, and the Postal receipt showing it was delivered to Resurgent. They will not remove the debt out of Collections on my credit report and I received a letter from them saying the evidence was not sufficient.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SUNCOAST CREDIT UNION (FL)

This account with SUNCOAST SCHOOLS FED has a balance of {$3500.00} which is labeled as a charge off account on my consumer report. As a bank I am pretty sure they filed a 1099C form for this debt I incurred to be in compliance with the IRS. Now a charge off gross or ordinary income. It is cancelled debt and its not suppose to be on my consumer report. Under Fairness and Accuracy reporting a charge off can not be reported on my consumer report and it has for the longest in return hurting my ability to live my best life. IRS said a charge off is gross or ordinary income, income doesnt get reported on report. Case Grugger V. USAA. This balance is on my equifax but not on my XXXX account so it is also inaccurately reporting and again causing me not to live my best life.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NV)

I had an account with XXXX which I disconnected since I was moving to another state. When I called to disconnect I gave them my new address in case they needed to send me any disconnect confirmation and they were supposed to update this in their system along with my new number. Now 2 years later I pulled my credit and I noticed XXXX sent me to collections without giving me the proper notice and time to pay this bill prior to being sent to collections which is against FCRA laws. I have contacted both the collection agency and XXXX Customer Service as well as their Corporate Escalations Dept to advise them I did not receive notice to pay this and now that I am aware of the bill owed I have no problem paying it as long as it is deleted from my credit once its paid. 
If my account had been properly updated I would have received this bill and paid it right away like I do with all my other accounts. I have excellent payment history and this collection is greatly affecting me.
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, Reported : XXXX XXXX, 2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (TX)

I purchased a puppy from your business on XX/XX/2024. 

I was sold a puppy under fraudulent terms, specifically that she would be XXXX registered, which is not the case. Additionally, she is not in good health as promised. I was also told for the credit i took out, there would be no interest accrued for XXXX year and would pay a minimum of XXXX per month towards the balance. However, I got the paper billing statement 4 days ago, with the bill due in 2 days notice, and 29.99 % interest rate applies immediatley! These misrepresentations are a clear breach of our agreement and violate consumer protection laws.
Consumer complaint received 2023-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

This company claims I owe a debt, but I have never had a relationship with UNITED REVENUE CORP . They illegally report 3 incorrect accounts to all credit bureaus, which is affecting me tremendously. I sent the first letter on XX/XX/22 and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that All credit bureaus and UNITED REVENUE CORP received my letter because my credit report notes that it was in dispute. My question is, Why have I noted received any validation of this account? Also, the balance is not the same as the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you still need to verify this account legally and have allowed incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This violates so many FCRA and FDCPA requirements. Also, All credit bureaus and United Revenue Corp violate HIPAA. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will seek { {$3000.00} } per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

1. The name on my credit report currently shows as XXXX XXXX XXXX and it should show XXXX XXXX XXXX XXXX 2. My current address on my credit report shows as XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX and it needs to show as XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX which is my current address. I have tried changing this information with Experian and they have been non cooperative
Consumer complaint received 2024-06-11
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

This is the 3rd complaint I have filed against this company. I called last month and the employee I spoke to THREATENED ME and my credit report. She told me that ProCollect would ruin my credit if I did not pay the full {$1200.00} dollars, when all I was calling for was guidance and help. Which is against the law, by the way, and I am in the process of speaking with my attorney over this issue and the laws this company and employees are breaking regarding threats against myself and my credit report. ( Im pretty sure the phone call was recorded as well. ) I can pay a settlement of {$500.00} to finally get this issue resolved and taken off my credit report and avoid taking legal action.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

XX/XX/XXXX @ XXXX XXXX, received a two-minute call from Financial Asset Management, where I requested no phone and to correspond in writing only. 

XX/XX/XXXX - ( still waiting for phone bill from t-mobile ). Spoke to a representative from Finacial Asset Management, I asked her why are they calling me when I requested no more calls on my cell phone. The young lady did not apologize for the call, did not say I will remove your phone she just rudely and abruptly hung up the phone on me. 

XX/XX/XXXX XXXX ( today ). I received a call from Financial Asset Management and I answer the phone and kept saying hello a couple of times and the person on the other end was quiet and would not speak. I stated very clearly Financial Asses Management you are not harassing me, and the person on the other end immediately hung up the phone. It was obvious I was documented as not to call because the person would have asked for me and would not have hung up after I made the statement that this is harrassament.