davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Century Credit & Collections, LLC (CA)

On XX/XX/XXXX I received a letter from Century Credit and Collections requesting {$260.00} from a medical bill of {$170.00}. I never received the medical bill so this is the first time I am hearing about this charge.I was moving and there was an issue with the postal service at that time. I called on XX/XX/XXXX and I spoke to possibly XXXX and asked her to drop the extra charges since I never received a medical bill and this is the first time I am hearing about charge. I told her the extra charges are unfair and she directed me back to the medical clinic. The clinic said they mailed to my new address the bill three times. Maybe its because I moved and there was an issue with my mail I did not receive any of the bills. I asked to pay the amount due and not the extra charges. The medical clinic referred me back to the Century Credit and Collections on XXXX and I spoke to XXXX XXXX. She was bargaining with me and said she can settle the account for {$230.00} when the total charges were {$260.00}. I asked her to be humane and drop the charges since I had an issue receiving mail and it was not my fault. I had all the good intentions of paying the bill. She said I have to pay the {$230.00} today or she threatened to report me and damage my credit if I do not pay. I asked her to speak to her supervisor and she refused to let me negotiate. The letter said I had 30 days to contact the agency but she was giving me only one day before she damaged my credit if I do not pay. She also refused to let me speak to supervisor and let me know my rights. She just hung up on me without trying to find a solution.
Consumer complaint received 2022-05-06
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-06
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. (NJ)

In accordance with the Fair Credit Reporting act the Accounts XXXX XXXXXXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXX ACCOUNT # XXXX XXXX they are reporting to XXXX and Experian 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 2022-05-06
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information on my credit report
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information on my credit report
Consumer complaint received 2022-05-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Acct reference # 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 2022-05-06
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. (MD)

In accordance with the fair credit reporting act XXXXdept of Ed XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, 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 2022-05-06
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)

To Whom It May Concern Equifax has been sent letters XXXX letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections accounts on my credit report that continues to update. I do not have any credit cards now but XXXX card. Yet I have XXXX hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX  Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted immediately
Consumer complaint received 2022-05-06
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. (MD)

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

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

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

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-05-06
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. (VA)

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions.
Consumer complaint received 2023-03-15
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. (AZ)

In accordance with the Fair Credit Reporting act XXXXXXXX  ; Account XXXX, Account XXXX and Account XXXX have violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

My credit report is saying I have a over the limit credit card with Capitol one with a {$200.00} limit and is saying it is over the limit. This card does not exist. I called Capitol one to confirm this card does not exist and it is still on my credit report. I have one credit card with capital one and it is showing two different accounts
Consumer complaint received 2022-05-06
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. (MI)

In accordance with the fair credit reporting act XXXX  accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.
Consumer complaint received 2022-05-06
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. (SC)

In accordance with the fair credit Reporting act US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX,, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-06
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. (AR)

I looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PASCO, Inc (MI)

All monies owed to XXXX XXXX XXXX have been paid through allpaid.com per their instruction. 

I continue to be pursued by CELCO for the same figure paid to allpaid.com, despite having explained this and providing dates and amounts of payment. I assert it is the responsibility of CELCO to confirm this debt. As of now, they have only provided an amount owed and name of alleged original debtor.
Consumer complaint received 2022-05-06
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. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-05-06
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)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-05-06
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. (MI)

In accordance with the fair credit reporting act XXXX  accounts- XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.
Consumer complaint received 2022-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (FL)

I got a procedure done at the XXXX  and i had insurance and secondary medicaid. I informed hospital to send remaining balance to secondary medicaid through phone calls and letters. XXXX sent bill to collections. Letter was sent to collections to stop sending bills due to this needing to be handled by XXXX  and XXXX and more bills keep coming in stating amount owed
Consumer complaint received 2022-09-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I closed with checking account ending in XXXX with Wells Fargo on XX/XX/2022. 

I have not received a check for the funds remaining in the account. I attempted to contact Wells Fargo twice. My first attempt I was on hold for over 2 hours without being able to reach anyone. My second attempt today connected me to a representative who hung up on me after I told him about my issue.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeal I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX ( Original CrediXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-05-06
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, REPORTING TO XXXX AND EXPERIAN XXXX XXXX XXXX ( Original Creditor : 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 a account without my written instructions
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent numerous letters for the last 4 months regarding the late payments on my credit report and how they are inaccurate and not reporting correctly. I have asked that these late payments be DELETED if not verified. I have got no responds from either credit bureau regarding my dispute letters. FCRA states the credit bureaus and creditors has 30 days to respond to all disputes, If they do not respond or can not verify then the item needs to be DELETED asap. 

Items are listed below : XXXX  : Account number : XXXX, Deletethe late payment dated ( XXXX XXXX XXXX XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days. Account number : XXXX, Deletethe late payment dated ( XX/XX/XXXX, XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX, XXXX not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX  : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX  : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX XXXX XXXX Account number : XXXX, I was never late. 

XXXX Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate Payment ( XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (NY)

I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX  ( XXXX, XXXX, XXXX  ) XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I opened an account at Webster Bank. As part of a promotion, "XX/XX/XXXX-XX/XX/XXXX {$350.00} '', after opening the premier checking account with a {$500.00} deposit, and making a direct deposit of {$500.00} or more by XX/XX/XXXX, I was to receive the {$350.00}. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made direct deposits of more than 500.. I was supposed to receive a {$350.00} bonus, credited to my checking account. The bonus was to be paid by XX/XX/XXXX. I did not receive the payment by XXXX.despite the fact that I met the requirements. I called customer service at Webster bank over 12 times, and got nowhere.