davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed removed.
Consumer complaint received 2019-09-20
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. (FL)

XXXX XXXX XXXX {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit
Consumer complaint received 2021-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

Dispute-Hard Inquiries : XXXX  XXXX Explanation of dispute-Decline letter from XXXX on XXXX XXXX prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries. 

XXXX XXXX couldnt be reached via phone- Sent email- Both responses were erroneous. 1stt response claimed an open acct found in my name- Clearly demonstrated inability to fairly verify accurate information, unable to report accurate info, & instructed to file a police report-I had no legal grounds to do as there is NO OPEN acc w/ XXXX XXXX XXXX only an unauthorized hard inquiry. 2nd response, found an application associated with your infor. Luckily, there was no acct created in your name. However, there was an app that was marked as fraudulent & has been blocked. Thank you again for bringing this to our attention. Said call Experian. If what XXXX XXXX alleges actually happened, by law I should have been notified- XXXX XXXX sent 0 notification of its claims. XXXX XXXX clearly demonstrates wantonness.responses that induced stress & negatively affected my credit file. 

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services (KS)

I received a bill on XX/XX/2018 for {$120.00}. The bill was placed for collection from XXXX XXXX XXXX XXXX. 

I currently have an open grievance with my insurance provider, XXXX XXXX XXXX XXXX, regarding the quality of care that I received on this visit. I am in the process of filing a complaint with the state board of healing in Kansas as well. 

I discussed the problem with an administrator months ago. Her name was XXXX XXXX, and her e-mail is XXXX. I have saved the e-mail correspondence and can provide it for your records. 

I am disputing this charge. Do not contact me at my residence or my cellular phone to attempt to collect this debt. I am also filing a complaint with the Kansas attorney general and the CFPB. I will happily supply the e-mail correspondence for your records that details what they did wrong.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX. Two accounts of the same type, marked " closed '', but were never open and never inquired about. One inquiry was on XX/XX/XXXX and the other inquiry was on XX/XX/XXXX. Then another inquiry from Captial One which is showing inquiry from XX/XX/XXXX. I have not made any attempt to apply for any of these services at any time. This is impacting my credit as a hard inquiry and I would like them removed. I have not contacted the company as I have looked up the issue online and came straight to this.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

I have a payment arrangements of {$50.00} at one point at was given a balance to pay off of {$280.00} now I been given a higher pay off amount over {$500.00} and still show on my credit report as a owe {$850.00}. I want it remove for my credit report. And I know I can pay off with way less than XXXX but I need this collection remove from my credit report. 
Please help is affecting my credit with other creditors... thank you
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (MO)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/2018 I contacted Citibank to dispute a transaction on my mastercard. Citibank refused to dispute the transaction and insisted I call back at a later time. I complained and Citibank responded by cancelling my card. They have since agreed to reopen it, but want me to wait seven days to fix their mistake which is unacceptable to me. I have several bills paid each month with this card and need it active immediately. I also need the {$51.00} charged by XXXX XXXX immediately corrected to {$48.00} that I should have been charged. 

Also I was forced to change the user name to access my account online several years ago and want it immediately changed back to the previous user name.
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (MO)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Consumer complaint received 2019-10-10
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: GREAT LAKES (GA)

I am writing this due to the non-compliance with the CRA XXXX. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the law.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (TX)

The removal of one of the inquiries was taken off from XXXX XXXX  co XXXX However, the other three were still left there. They are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
There was also a new one from XXXX which was not completed by myself on XX/XX/XXXX. 
Also, XXXX XXXX XXXX PA, XXXX XX/XX/XXXX, I have no knowledge of this. 
Also, Informative research I on XX/XX/XXXX. 
Experian Business Cred on XX/XX/XXXX, and XX/XX/XXXX. This is my personal credit account, and I did not allow business inquiries.
Consumer complaint received 2022-05-14
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)

For the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.
Consumer complaint received 2023-03-18
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. (TX)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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 reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX, XX/XX/2017 Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX 15 U.S.SC 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 an account without my written permission.
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent was not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.
Consumer complaint received 2021-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (TX)

Please be advised I requested validation of said stated debts from listed debt collector ( s ). I received a response that clearly violates my HIPPA rights.The collector ( s ) did not provide me a HIPPA release that releases my medical information to them, therefore by providing such information these companies are in violation of my HIPPA rights. Documents were received in response to a dispute asking for validation in which the listed companies have not provided me the services, charges, and cost WITH a signed HIPPA release. 
- On XX/XX/2021 I received a letter in an attempt to validate a debt from company XXXX XXXX XXXX XXXX XXXX for a alleged debt amount of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Colorado XXXX. 
XXXX XX/XX/2021 I received a letter in an attempt to validate a debt from company AR Resources , Inc. for an alleged amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, PA XXXX.
Consumer complaint received 2023-03-18
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

XX/XX/XXXX : Car Accident where vehicle financed was deemed a total loss by Insurer. 
XX/XX/XXXX : Original request for Letter of Guarantee ( LOG ) sent from XXXX XXXX to Hyundai Financial. LOG is necessary to guarentee title once bank is paid off. 
XX/XX/XXXX : 2nd formal request sent from XXXX XXXX to Hyundai : Hyundai confirmed they received the request and it would take 3-5 days for processing. 

We have called to follow up on the dates below and each time they state it will be 3-5 business days. 
XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX informs LOG was faxed on XX/XX/XXXX. XXXX XXXX stated they haven't received it and they don't have a way to contact the fax provider to request a search. 

Called several times after including today ( XX/XX/XXXX ) and still same answer of 3-5 business days. Writer initiated a compliant w/Hyundai Financial and they have not replied. Complaint now initiated w/XXXX and Consumer Financial Protection. 

Original amount financed is {$29000.00} through Hyundai Motor Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX : XXXX XXXX XXXX will pay : {$15000.00} ; GAP insurer can't move forward until Hyundai issues the LOG, XXXX XXXX pays, and all documentation is sent to GAP. 

Meanwhile Hyundai is still biling me monthly on a vehicle which they are creating a barrier to complete payment and close out loan and the vehicle is no longer in my possession. I've now started to pay on another vehicle ( 3 months later ) and can't afford to pay both payments and now I'm worried if I don't pay Hyundai they will report me for being delinquent which will affect my credit rating. This is in no way noble, honest, or reputable.
Consumer complaint received 2022-05-14
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 with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX  XXXX Department of EducationXXXXXXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-14
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX Department of EducationXXXXXXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-20
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. (FL)

The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2022-05-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (AZ)

See my complaint to CFPB number XXXX I am a retired veteran and have three types of medical coverage. ( Nationwide Recovery Systems stated to me they were just given this account on XX/XX/2022 and is currently a debt they can legally collect on and I would suffer credit damage on a debt that is collectable. The claim that I owe XXXX XXXX XXXX XXXX medical bills which is not true! That collection agency has called me on repeated numbers, my work line, cell phone line and home number up to and including 7 times per day. I have repeatedly told them the hospital and XXXX XXXX XXXX XXXX are out of business and to send me an itemized billing for the dates of service and they can not provide such a bill/invoice. I have sent them a Cease and desist notice and they have not honored this request and continue to harrass me on a daily basis. Look up your claim number that this dispute was resolved and cleared off the books as a debt that I do not owe. I am 100 % covered through medicare, XXXX XXXX XXXX ( XXXX XXXX not an advantage health care ) and also a medically XXXX XXXX XXXXn the VA system. I have NEVER had a medical bill unpaid. Please once again assist me in stopping these unwarranted harassing phone calls. They can NOT produce an invoice and detailed billing per my phone call with them.
Consumer complaint received 2022-05-14
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 XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # 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 an account without my written instructions.