davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NH)

I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2024-04-08
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I booked a hotel and charged it to my Capital one credit card for four days. On XX/XX/XXXX I arrived at the hotel. On XX/XX/XXXX I was no longer allowed to stay at the hotel. I was billed for 4 days and only allowed to stay for 1. The charge on my card is for the full amount of XXXX. The charge is fraudulent as I was not allowed to stay for the full amount of time. Capital one is refusing to credit back the money after several disputes. To be clear, I was billed for 4 nights and was allowed to stay for only 1. The merchant is unresponsive. The hotel is unresponsive. My credit card company is repeatedly denying my dispute on no grounds and is also unresponsive.
Consumer complaint received 2020-06-18
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. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

My account and card blocked on XX/XX/XXXX without justifiable reasoning. I was not notified or informed this. Upon calling customer service on XX/XX/XXXX, I spoke with XXXX, and she stated I needed to provide a utility bill or lease document. At the point, I explained prior to XX/XX/XXXX before I moved, I went into the XXXX location presented my ID, changed my address, and ordered checks. At that time, no one stated something was wrong. Two months later, my account was blocked. I called the branch in XXXX where I opened the account, and XXXX XXXX told me that I would not have access to my account unless I presented those documents. He further stated a letter was mailed on XX/XX/XXXX, and I had 60 days to show proof. I came to the bank today XX/XX/XXXX, within my 60 days, and he tried to use that as an excuse, but it held no validity because I was within my 60 days. He told me to my face they were closing my account today. As of XX/XX/XXXX, my account still has not been closed. I explained that I lived with someone, and I did not have a lease or utility bill in my name. He then went on to say this was company policy that no customer could have a UPS address, but he was not able to show me this in the company policy. I also explained can you show me in writing that Regions Bank has the authority to not release any of my funds. Upon arriving at the bank in the drive through, Mr. XXXX refused to provide any company policy that states customer can not have a UPS as a valid address nor was he able to explain how the bank could hold my money without even allowing me to take what I need. XXXX XXXX also upheld these actions, and I demand that each of you be held accountable. 

I am appalled as an XXXX American educated woman, at the unethical and illegal practices of this bank. I have been denied access to my money for almost a week, and I was not allowed any access on Monday, XX/XX/XXXX when I presented my drivers license verifying my identify. Mr. XXXX refused me access to my account without any justifiable reason. I will seek legal action because no bank has the power to deny any customer access to their funds especially with a valid ID. This is unfair and unjust. I have been a customer for over four years, and I can not believe this outlandish actions. I did record the conversation for my records. Please help. 

XXXX : Regions Bank XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Today I received an ach from the small business administration. Unfortunately at this time I am unable to open a business account. I explained this to my loan officer and he specifically told me that it would not be a problem Bank of America is unfairly trying to force me to open a business account with them and holding my funds which I really need to access. I even told the bank manager ( XXXX XXXX XXXX ) Vice President of Bank of America located at XXXX XXXX XXXX XXXX, Il XXXX that that I had documentation to prove the origin of the funds and he told me outright that he believed the transaction was fraudulent also I spoke with XXXX XXXX ( XXXX ) XXXX and she was of no further assistance and was very condescending as well. I feel I was XXXX  profiled at this particular bank which I have banked with for years. I intend to seek legal counsel and damages as well as contacting different media outlets along with the aclu.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (DC)

I have been trying to get an explanation from Chase about interest charged to my account for purchases, when there were no purchases. The most recent two statements show a purchase balance subject to interest rate, yet Chase has not been able to identify the purchases.
Consumer complaint received 2020-06-18
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)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$300.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$770.00} XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$1100.00}
Consumer complaint received 2023-05-29
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. I informed XXXX, TransUnion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ) ( XXXX ). However they stated everything was complete and accurate. That is impossible if the open date, balance, date of last activity and a few more items are incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isnt reporting 100 % accurately or repotting incorrect.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604A.2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Telerecovery Corporation (LA)

Since making the last payment that was owed to Telerecovery on XX/XX/2020. I have tried to get the derogatory remarks on my credit removed. They were contacted and were very rude about it and apparently this is common for them after a simple XXXX search. I filed a dispute through XXXX and apparently they verified to XXXX   that this is a valid debt still even though I can go on their website and see that my account is payed in full.
Consumer complaint received 2020-08-12
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. (TX)

I have been a victim of identity theft and my personal information was also compromised in the EQUIFAX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing on my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLIANT CREDIT UNION (WI)

I went to check my credit report looking into opening a new account in found multiple accounts that where in accurate fraudulent or in violation of my rights. I reached out to the companies know response i reached out to the credit for each violation. 

15 U.S CODE 1601 15 U.S CODE 1666B 15 U.S CODE 1601 15 U.S CODE 1692C XX/XX/2024 {$42000.00} XX/XX/2024 {$21000.00} XX/XX/2024 {$2700.00} XX/XX/2024 {$4800.00} XX/XX/2024 {$4900.00} XX/XX/2024 {$13000.00} XX/XX/2024 {$580.00} XX/XX/2024 {$220.00}
Consumer complaint received 2020-08-12
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. (TX)

I have been a victim of identity theft and my personal information was also compromised in the XXXX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing on my credit report.
Consumer complaint received 2020-06-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

** ( UNFAIR CREDIT** ) REPORTING XXXX RECORDS MY BAD CREDIT. I call CONFLICT OF INTRESTS Income is derived from CREDITORS NOT CONSUMERS. ( Scores provided are Bias. ) Also XXXX   Data Breach Website says MY PERSONAL INFORMATION WAS IMPACTED. The website requires hand movements my XXXX XXXX are unable to do. I am XXXX years old. Grew up pay phones I AM UNABLE TO ACCESS THIS SITE DUE TO MY XXXX. XX/XX/XXXX I had fraud on two credit cards I HAVE NEVER RESOLVED!! I AM OUT {$8000.00} ON XXXX NOW. MY CREDIT DESTROYED. XXXX Data Breach Website says IT MAY BE XXXX FOR ANY CLAIMS PAID & {$120.00} .... SERIOUSLY?? My Private DATA is now on Dark Web for MORE FRAUD.. What Laws Protect the XXXX Elderly Targets? THIS IS NOT EVEN CLOSE TO FAIR!!!
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IN)

I was in constant contact with XXXX XXXX and requested they advise all financial institutions we were in dispute and they neglected and refused to do so! This has resulted in delinquent status and late fees and payments on two of my accounts and a third now insisting I pay interest although the account has NEVER been utilized and I never authorized the opening of it. At the time I didnt know I could dispute the account entirely and was mislead since it was already open in my name and on my credit report.
Consumer complaint received 2020-08-12
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. (TX)

I have been a victim of identity theft and my personal information was also compromised in the XXXX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing on my credit report.
Consumer complaint received 2020-08-12
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: Resurgent Capital Services L.P. (NJ)

I have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX. I have always made my payments on time. As you can see, I  have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX   XXXX XXXX  XXXX XXXX  ) and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-06-18
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. (MD)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
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 submitted disputes to XXXX, Experian, and XXXX via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Consumer complaint received 2020-06-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here (VA)

From XXXX I have been receiving harrassing and repeated phone calls from XXXX XXXX in regards to my car payment that I am currently behind on Dud to Covid -19 which my hours were cut .. I asked the rep if she could assist me to help me get on track by asking if she could defer my payment. XXXX told me in a very rude way that I needed to make my payment or she was going to repo my car. I then tried to explain to her that Im doing the best that I can an just needed the assistance since Ive gotten my hours back. And she began to talk to me as if I was a child and went on to belittle my situation that I was in due to covid. I have tried to Contact her manager and she told me I could not speak to him I had to deal with her only. When I did leave a message for him to call me back he had her to call me back and she threaten to take my car if I did not pay she calls an text me repeatedly to the point that its turned into harassment. Ive asked on numerous occasions to have another rep to work with because she is very nasty and rude.
Consumer complaint received 2020-06-18
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. (AR)

I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2020-06-18
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. (AR)

DECIDED TO MAKE A BIG MOVE IN BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SO I WAS NOT WORRIED ABOUT THAT BEINGTHE FIRSTSTEP. OUTOF SURPRISE A BIG LIST OF ACCOUNTS IB HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT.
Consumer complaint received 2020-06-18
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. (CA)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$490.00} XXXX XXXX {$87.00} XXXX   XXXX {$78.00}