davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (CA)

I was insured with XXXX XXXX XXXX via XXXX. I have confirmed with XXXX XXXX XXXX  that I was covered XXXX ( with no lapse ). My treatment was XX/XX/16 during the coverage. XXXX XXXX is saying they called on XX/XX/16 and were told that I had no coverage so they never billed XXXX XXXX. I did not receive collection notices on this debt. I found out about the debt because a credit application was denied and I pulled my credit history. XXXX XXXX never submitted the claim to my insurance, they refuse to provide me the bill and medical records so that I can submit the claim. The original amount was around {$1500.00} but it is now up to $ XXXX. I believe this is an error on XXXX XXXX not submitting the claim properly. XXXX XXXX would owe the claim but since I don't have anything to submit, I can't even submitted it to them. My guess is that there maybe a SOL on submission as well. I have been trying since XXXX of this year to get the billing and records. The collection company has not provided them. XXXX XXXX says I need to contact the Collection company Progressive Management ( which I have done multiple times ). XXXX XXXX refuses to provide me proof of the bill and records so that I can submit the claim they should have submitted to XXXX XXXX. Progressive Management says the claim is to old so they won't submit it to XXXX XXXX. I am in this loop of nobody giving me the supporting documents and they have never even submitted the claim to XXXX XXXX my insurance.
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-07-15
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. (KY)

I had two suspicious collections appear on my credit report. I flagged it, and two of the three bureaus removed it after investigation. Equifax refuses to remove it, but has failed for several months now to show ANY proof of the debt. I have repeatedly filed disputes and asked them to get anything from the debt collector that shows a legitimate debt. They respond with nothing other than saying the debt collector says that its real. But no proof of any kind with my signature. Once again, it has been several months, and its affecting my ability to buy a house. I warned them that if they didnt start following the federal law I would report them to CFPB. They dont care. 

( Note : I previously submitted this accidentally saying XXXX. It is Equifax. )
Consumer complaint received 2019-07-15
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. (KY)

I had two suspicious collections appear on my credit report. I flagged it, and two of the three bureaus removed it after investigation. XXXX refuses to remove it, but has failed for several months now to show ANY proof of the debt. I have repeatedly filed disputes and asked them to get anything from the debt collector that shows a legitimate debt. They respond with nothing other than saying the debt collector says that its real. But no proof of any kind with my signature. Once again, it has been several months, and its affecting my ability to buy a house. I warned them that if they didnt start following the federal law I would report them to CFPB. They dont care.
Consumer complaint received 2023-02-17
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again, There are accounts that need verifying that are still in my report here is the account that needed investigation : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00} These accounts are inaccurate, I did not incur any late payments. Please update to pay on time.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I submitted a dispute to Equifax regarding the account for XXXX XXXX XXXX XXXX XXXX to update the debt to reflect XXXX balance or paid in full/closed as of XX/XX/XXXX. I submitted documentation to support the update request. I contacted Equifax on XX/XX/XXXX and after explaining the purpose of the dispute the CSR recommended, I submit the dispute to have the account updated quickly, it has been approximately 45 days and my Equifax dashboard is still reflecting the account balance as open/never late and displaying a balance of {$9200.00}. Again, the balance should reflect {$0.00} paid/never late. Equifax stated they would contact the creditor, XXXX XXXX XXXX XXXX XXXX, to verify the account status/balance. I also forwarded the supporting documentation that states the account is paid in full and closed via mail to Equifax on XX/XX/XXXX. I requested this account to be updated since I provided supporting documentation, specifically. Again, this is a lack of attention to detail on behalf of Equifax. If Equifax contacted the creditor XXXX XXXX XXXX XXXX XXXX, they would have confirmed that the information I provided along with the supporting document is sufficient for accurately updating the account. Each time I request the information to be updated correctly, it requires a new dispute which causes further delay.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (CA)

In an attempt to clean up my credit report I reached out to the 3 credit reporting agencies XXXX, Experian, and XXXX. I expressed to them that the accounts XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXXXXXX account # XXXX are reporting information that isn't 100 % accurate and also are violating my consumer rights with multiple violations. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I also came across the Ftc website more specifically the Gramm-leach-Bililey act and it states that XXXX different disclosures needs to be given before my information is allowed to be sent to any public record, in which I never gave XXXX XXXXXXXX nor XXXXXXXX XXXX XXXX XXXX  permission to do so. I expressed my concern to the reporting agencies as to look into the matter as it pertains to my name and affects my circumstances.
Consumer complaint received 2019-07-15
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. (GA)

Experian has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ... 


They have not provided a method of verification and the reporting information is wrong I have asked them to remove the inaccurate information
Consumer complaint received 2023-02-16
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. (MS)

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.
Consumer complaint received 2019-12-10
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: Experian Information Solutions Inc. (MO)

I enrolled in the free membership to view my credit which I was the 1st time. Once I started getting email alerts my score was no longer available. The 3 reasons listed are not applicable and the other bureaus report.

I contacted Experian and was told the same as above, then was told I needed to dispute and was transferred back into que to hold for estimated 11-15 minutes I disconnect.
Consumer complaint received 2023-12-28
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Diversified Adjustment Service, Inc. (NY)

I paid the amount in full and the balance on my credit report still have the balance showing up as unpaid. They flagged my account in collections even after making the payment in full because of that my credit score decreased. I am attaching all the documents and I requested them to report accurate information to the credit bureaus and they failed to do so couple of times. Flagging my account which was paid in full as collections doesn't make any sense and its against the FCRA law. I am willing to sue them if they don't delete it from my file.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (IN)

Truist Ban k took over Suntrust which is a bad idea. I am trying to resolve closing my account and paying an amount due on a Line of Credit. Because I moved and no Truist Bank is in my area I chose another Bank. Due to automatic payments being take from my Truist account my balance was not enough to cover the checks I had written. The overdraft protection caused the checks to go to a line of credit. In refinancing my home I thought all Suntrust Accounts were closed and I have to information on this line of credit. I get letterrs and cards from Truist and I call the numbers in the letters but I can never talk to anyone and they say " Do to high call volume we can not take your call. We will call you back. THEY NEVER CALL BACK.
Consumer complaint received 2022-10-03
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)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-10-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (GA)

Time was spent call XXXX, typing and creating dispute letters, and licking a credit reports. Time was spent going back and forth to the post office. Time was spent finding errors on my credit. Reports time was spent calling XXXX multiple times. Time was spent filling out envelopes.Time was spent printing and signing dispute letters. Time was spent filling out usps certified mail forms. Time was spent in line at the post office
Consumer complaint received 2022-10-03
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-10-03
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Online Information Service Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account 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 year 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 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

On or around XX/XX/2019, Discover sent me an email for a Promo APR of 1.9% for 9 months on new purchases.  I clicked through the link and got a message that I was enrolled.  Around 5 weeks later, on XX/XX/2019, I received a second email with the same offer.  Immediately after receiving this second email, I sent a message to Discover to ensure that the purchases I made in reliance on the offer from the XX/XX/XXXX date were subject to the promotional offer.  I was told that they did not have a record of me clicking through (which I most certainly did as I advised my mother who I support to make purchases, when she could, with Discover given the promo rate). They said they could not apply it retroactively but that it would apply starting the next day, XX/XX/2019.  Thus, I now have nearly $1,000 in purchases (as I had no previous balance on the card, or it was paid in full every month), for which they should be applying the promotional rate but are not.  Furthermore, Discover does not give any confirmation, other than the screen when you click through, that the rate was applied.  Thus, at no point was I advised, until receiving the second email, that the offer did not go through (when the web page very clearly said it was activated).  This is deceptive and misleading.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Agreement entered into XX/XX/23 with XXXX XXXX XXXX representing JPMorgan Chae Bank on two credit cards with remaining balances. I have faithfully made payments every month on the XXXX of the month and the balances are still showing fully owed.
Consumer complaint received 2023-02-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 section 602A 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 an account with out my written instructions. In accordance with the Fair Credit Reporting Act consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. At this time Equifax is reporting a collections account with only the account number, date opened and updated along with a balance. There is no other information to show this is a legit account. The account number is XXXX, opened date XX/XX/XXXX, updated on XX/XX/XXXX with a balance of {$480.00}. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (WV)

I received my final bill for my lease with Chase Auto Finance sometime toward the end of XX/XX/2018. I called Chase Auto Finance on XXXX and spoke with a service rep, XXXX, employee # XXXX regarding my final bill. The total due was {$690.00}. The letter I had received from Chase indicated that I could call the XXXX number to make payment arrangements, so I called to do so. XXXX was friendly and helpful and advised me that Chase could set up payment arrangements in the form of two payments. One payment, in the amount of {$340.00} would be made that day ( XXXX ) and the other and final payment would be made XXXX. I agreed and made my first payment over the phone that day. He advised that I would receive a call on XXXX to make the last payment. I specifically asked if this would affect my credit in any way and he told me it would not. On XXXX, I was checking my credit report and see that I have a late payment, 30 days past due on my Chase Auto Loan. This  dramatically changed my credit score. Needless to say, I was upset. I called Chase back that day and spoke with employee # XXXX. I explained to her my dilemma. She said, " Well yes, you can set up payment arrangements, but that does not mean that your account wont be past due and will not go to collections. '' I was floored by this. The letter I received initially does say the amount is due upon receipt of the letter, however, it also says " If you have any questions or need to make payment arrangements, please call. '' The letter does not indicate anywhere that although you may be able to make payment arrangements, this does not mean you will not incur late charges or that your account may be sent to collections. Also, when I called to set up the payment plan, I was told this would not affect my credit. If I had known this would be considered late and sent to collections, I would have figured out a way to pay this in full. I feel that I was misled. I had this auto lease loan for three years and never once missed a payment. I paid on time for three years. Also, on XXXX, I did make the final payment of {$340.00}, so this account is paid in full and closed. All I ask is that this is removed from credit report. I have filed a dispute with XXXX to no avail at this point. I just filed another dispute today ( XXXX ).