davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX I requested, among other things, validation of the alleged debt. 

Choice Recovery responded to this request by sending me a financial policy. The documentation, among other things, does not validate any debt, show any credits applied, or show any explanation of charges. 

While I was disputing the validity of this debt with Choice Recovery, I also contacted the original creditor ( OC ) XXXX XXXX XXXX XXXX XXXX XXXX. The OC, in my opinion through medical negligence, botched a dental procedure than caused me personal injury. I have been advised that in Missouri a dental assistant can not seat a crown which is considered by many to be a critical part of any dental restoration procedure. I had a crown seated by someone who was not trained to the standard of care and as a result I was harmed. The dentist advised me they would fix the issue at no cost to me. I was moving and I was fed a line that they were going to get me taken care of at a " sister clinic. '' Nobody followed up with me and I left several messages for them. They told me if their " sister clinic '' could not fix my issue ( s ) then I would receive a credit and not be charged. In XXXX I spoke with XXXX and confirmed via telephone that I did not have a balance. I was advised by XXXX, the practice XXXX, that she would have to contact legal in order to send me a letter confirming all of this. I never received a letter. And they must have blocked my number or something because whenever I tried calling back to follow-up, I was either left on hold for over XXXX minutes or made to leave a message and nobody ever returned my call. 

Despite my best efforts to follow-up I received no letter from the original creditor and on XX/XX/XXXX Choice Recovery posted a collection from this original creditor - this time for an even higher amount to my credit report. 

Choice Recovery posted the collection knowing full well they never validated the debt in XX/XX/XXXX and never sent me any oral or written communication notifying me that they were going to post the account. This is a violation of my rights under debt collection and consumer finance laws.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$9100.00} XXXX XXXX {$3900.00}
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Citi AAdantage Card took my payment over the phone on XX/XX/XXXX and put a hold on it for 11 days without informing me! When I called to make the payment on XX/XX/XXXX the Citi operator said that the payment went through and I could use the card immediately. The payment went through ( confirmed by my XXXX XXXX bank records ) on XX/XX/XXXX, but the hold unknown to me, was until XX/XX/XXXX. I called several times to see why my card was declined and was told that my payment just hadn't processed yet, but no one told me that the hold would be XX/XX/XXXX, 9 days after Citi received my payment! 

The payment I made on XX/XX/XXXX was from my XXXX XXXX account which I use almost every time I make a phone payment. Citi is taking advantage of me ; I am a widow and taking care of all my business by myself. This problem has caused my credit score to decline, as I show as being max 'd out on the Citi card. Citi should be penalized for their unethical behavior and I should receive compensation for my extreme inconvenience, hours spent on the telephone dealing with their error -- and economic difficulty caused by their unethical practices.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (NC)

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. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # 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 2023-03-02
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: Experian Information Solutions Inc. (OK)

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 U.S.C 1681. Account name : XXXX XXXX XXXX account XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2023-03-02
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: Experian Information Solutions Inc. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
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. (TX)

XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account has different account numbers, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. This account is illegally reporting on my reports and I am requesting that this account is deleted from my reports now!
Consumer complaint received 2023-05-30
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-02
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. (TX)

XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
Consumer complaint received 2023-06-30
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. (OH)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4200.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (VA)

I was a student at XXXX XXXX XXXX XXXX for 3 years. I was an excellent student with some bad apples for administration. I made it to the final program where I studied constantly then the school got moved to XXXX va where I was able to get to class sooner. Eventually I got approached by administrators and he told me that they hadnt recorded my attendance for the past few months and proceeded to kick me out. 
After they moved schools they had gotten rid of the sign in sheets for our attendance and relied on teachers memories who had seen hundreds of students day and night without writing their attendance
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account was closed paid and XXXX  balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.
Consumer complaint received 2023-03-02
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. (TX)

XXXX XXXX XXXX is reporting a charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inaccuracies that are illegal. This account has different account numbers, different last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting or reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
Consumer complaint received 2020-01-08
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. (OH)

My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PROSPERITY BANCSHARES, INC. (TX)

I put to Prosperity Bank the following ... That the letter written by XXXX XXXX XXXX his invective incendiary and a tool used to Cancel me out in a very " Cancel Culture '' manner ... A tool using the powers of the pen to paint me as a criminal when I am certainly not a criminal ... I already took responsibility for things I said under duress. For a woman to do this to another woman is beyond my understanding ... I am a XXXX XXXX  on my own raising my son who is now XXXX years old ... I am small not much at all and very vulnerable ... It is awful that a woman would do this to another woman ... Aggression and rage is very plain behind XXXX 's letter ... The way this situation was handled is a disgrace and XXXX with all her education fails to get certain dates right and never bothered to check her facts ... Something a good lawyer always knows to do which is to fact check and avoid typographical errors ... I am not a lawyer though I dare say ones like XXXX and I make no claim that she is a lawyer either ... Would devour little people like me with their vile hatred and anger ... I state that the letter from XXXX is invective incendiary with intent to cause me more harm and does not intend to de escalate this already very unpleasant situation ... Whatever XXXX was taught in school she certainly never learned how to de-escalate unpleasant situations and empathy is lost on ones like XXXX ... The records show that I acted in good faith to de-escalate this siutuation ... XXXX seeks to devour me like a lamb led to the slaughter of invective incendiary responses that only serves to fuel this fire ... A fire I am trying to put to bed and put out yet XXXX insists on continuing to add fuel to this inferno of incendiary invective as evidenced in her sloppy letter that is evidence that this woman can not be reasoned with and I dare say reason has gone out the window as has empathy and common decency ... I admit my wrongs in this mess ... All I ask is to be given a chance to get on with my small life and to avoid any further interactions with ones like XXXX who would devour me if she could get away with it. That is why I can not close out my bank account with Prosperity Bank though Prosperity Bank put pressure on me to close out my bank account ... I can not do so for fear of being harmed as evidenced by the series of unfortunate events that ones like XXXX seeks to continue and to escalate and fuel ... I refuse to be complicit in abuse like that ... I wipe the dust off my feet in mystical testimony that ones like XXXX are not safe ... That ones like XXXX though highly educated are a nightmare on earth and use the powers of speech and the power of the pen to destroy little people like me ... In the eyes of ones like XXXX I am nothing but a deer in the headlights to be destroyed by the powers of her legal pen full of incendiary invective ... 

Respectfully Submitted by Ms XXXX XXXX XXXX