davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Medical Management, Inc. (PA)

Bill was received for a test or lab work that I never took part in. I notified debt collector ( Financial Recoveries, XXXX New Jersey ) within 30 days that I disputed the debt. I asked them for proof of medical tests performed. They did not provide that proof, instead mailed me a print out of medical codes from a screen on their computer. In less than 30 days of the debt collector sending me the first letter they had already reported it to credit companies. ( Letter mailed to me XXXX/XXXX/2015 late charge filed on my FICO score XXXX/XXXX/2015 ). 

The bill is for " Lab Work '' from XXXX Hospital. I HAD NO LAB WORK DONE! They said my XXXX filed it. I never agreed to this. No labs were ran, and no results provided. I called the hospital and they had no records of any lab work. The debt was only {$170.00} and now my credit score has taken an unnecessary hit. I was unaware they reported the debt to FICO until my score dropped and I had to look into it. I was unaware they reported it because other than the second letter they sent me which only contained a print out of medical coding screens, they never attempted to collect the debt again. So I was left to believe my letter disputing the debt must have proven to them that it was invalid and they dropped the claim. 

I am just a hard working individual that pays what he owes in life. If this was a valid debt I would have most certainly paid it. This is unbelievable. 

I have medical insurance and my deductible had already been met for the year. My insurance company was confused to this bill when I contacted them as well.
Consumer complaint received 2019-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (CA)

Firstly I am a victim of identity theft and I did not authorized this transaction.I recently received a letter from XXXX XXXX XXXX XXXX which is attempting to collect funds for a matter that has been resolved. I already filed as victim of identity theft with the bank and as I said it was resolved. The amount is for {$20000.00}, around XXXX and again I filed a report for identity theft with bank and it has been resolved. The company is XXXX XXXX XXXX XXXX XXXX, Attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX. They also give a second address at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. Phone # XXXX.
Consumer complaint received 2024-02-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

We can't dispute issues on our Innovis online account. I've tried a few times over the past few months. It says : " Only letters, numbers, spaces, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are allowed in the problem description. However, even after I removed all punctuation marks, the dispute can't be completed. What a technology!
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I am disputing the presence of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent, indicating identity theft. I have reported the issue to the respective banks and filed a report with the FTC. 
Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I found inaccurate information on my consumer report and notified Experian via certified mail with proof of my identification and location information. Experian was to initiate a reinvestigation and remove the inaccurate information and it has been more than 30 days since notifying them and they are still publishing the inaccurate information which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-05-05
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: CAINE & WEINER COMPANY, INC. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-03-15
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX [ Account # XXXX ], have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

In addition this account is listed in a bankruptcy. Since the information is included in a bankruptcy it should not be reporting separately to my consumer report. 

Delete these accounts
Consumer complaint received 2022-10-24
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: LEXISNEXIS (GA)

This is my forth attempt connecting with LexisNexis in order to have false/inaccurate and unverified information ( bankruptcy ) removed from my credit report. According to the most recent dispute, LexisNexis stated, LexisNexis, however, is governed by the FCRA and in accordance with the requirements delineated in Section 611 of that statute. LexisNexis is stating that I failed to provide identifying information ( ID, social, address ), however they also failed to VERIFY my identity and the validity of the bankruptcy before adding the false/negative information to my report. Therefore, they are in VIOLATION of FCRA section 604 which states a Consumer Reporting Agency may furnish a consumer report, and as LexisNexis stated, they are NOT a consumer reporting agency. They are a DATA CORPORATION who has SOLD incorrect and defamatory information about me to third parties XXXX and XXXX.
Consumer complaint received 2023-02-22
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. (NM)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NM XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (GA)

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation
Consumer complaint received 2022-05-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

Rocket tried to illegally delete our {$2000.00} credit 1 week before the closing date, threatening to delay the closing or lose the house with not enough time to find an alternative lender. One week before our closing on XX/XX/2022, Rocket mortgage changed its loan estimate and deleted a {$2000.00} lender 's credit that was offered to us to make their loan competitive versus another lender. With the {$2000.00} lender credit from XXXXocket, they were able to beat the preferred lender by a small amount, so we decided to go with Rocket due to our previous relationship. But, a week before the closing they kept on uploading the wrong loan estimate for us to sign, which was missing the {$2000.00}. After taking time off and calling numerous times, our banker XXXX XXXX told us they couldn't give us {$2000.00} anymore. She couldn't explain why and didn't help us, only offering her boss XXXX for an explanation. He was hard to reach and didn't return our calls, offering no explanation. It is illegal for them to change the loan estimate after everyone signed off. They threatened to cancel our loan 1 week before closing to scare us into taking {$2000.00} less. My wife and I both took a full week off from work to research and fight this issue. We lost of a lot of salary and sleep because of this. We told them that if they didn't honor their word and go with the original agreed estimate, that we would not do business with them. Only 3 days before the closing, they finally gave us the correct final loan estimate and we were able to move towards closing. They threatened to delay our closing and scared us with the possibility of losing the house. They used illegal tactics and lied to us, but thankfully we did our research and knew what was right vs what was wrong. The CFPB needs to investigate this firm and its practices.
Consumer complaint received 2019-07-10
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. (NY)

To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX  started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX  and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Recently, I discovered inaccuracies on my credit report attributed to the Equifax. These inaccuracies, presumably clerical errors or misunderstandings, have adversely impacted my creditworthiness and financial standing. Despite diligent efforts to rectify the situation, resolving these discrepancies has proven challenging and time-consuming. As a law-abiding citizen, I believe in the importance of accurate reporting and fair treatment. Therefore, I am committed to working closely with credit bureaus and relevant authorities to correct this misinformation promptly. I remain hopeful for a swift resolution and trust that proper measures will be taken to prevent such errors in the future.
Consumer complaint received 2017-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

I XXXX XXXX and XXXX would like to dispute the payment late mark on our credit report for XX/XX/XXXX. This payment was made prior to the end of the month and not sure why you are penalizing us as if we made the payment in XXXX. We are aware that by not making the payment by the XX/XX/XXXX we would be assessed a late fee, but never in our minds would we think that by making the payment before end of month would call for a 30 day late Mark. We would have never been aware of this hitting our report if it wasnt for our new lender to bring it to our attention. We are scheduled to close XX/XX/XXXX and now that this is reflecting, we are in jeopardy of not being able to close or purchase this new home which has proper accommodations on our current handicap accessibility necessity. On XX/XX/XXXX @ XXXX we called in and spoke with customer service representative XXXX @ XXXX and per her review the payment was made in time to not reflect a 30 day late mark. She stated it appeared payment was posted into suspense and never processed for whatever reason. We were advised to send this letter to customer service through email, so that this dispute could be submitted and taken care of in a timely manor that would allow us to still move forward with our scheduled closing. Then we received an email back requested to have letter faxed. Then we followed up on the XXXX and they stated they received letter and that they were sorry, but it needed to be mailed in and could take up to 60 days. I asked to speak with management and was told no one was available and that XXXX XXXX would call me before end of day. Since XX/XX/XXXX I have made several callas and no one is able to speak or handle this matter and the last representative stated that we were misinformed and that there was nothing that could be done. Once again stated would get call from XXXX XXXX and to this day no call has been received. If you have any questions please dont hesitate to reach out to us at XXXX.
Consumer complaint received 2022-10-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

The appraiser required : " 1. ) The roof over the carport has leaked in the past, Repair roof if leaking and receive a letter from the roofing company that the roof is repaired. 
2. ) Replace rotten wood on wood deck and facial around wood deck and stain deck and steps. '' The realtor called a contractor but did not mention the leak to him. The evidence of the leak was repaired and the appraiser returned signed off on the appraisal and sent it to underwriter with the following comment. " Receive a letter from the licensed Roofing Company that the roof is repaired and leak should not reoccur. The subject property conforms to V.A. Guidelines. " Regions never the received the letter from a roofer because one was never done. The underwriter approved the loan we closed the loan. Regions feels they have no liability even though the VA specifically says " 36.4344 ( c ) VA minimum property requirements. Lenders are responsible for determining that the property meets VA minimum property requirements. The separate instructions issued by the Secretary will set forth the lenders ability to adjust, remove, or alter the fee appraisers or fee compliance inspectors recommendations concerning VA minimum property requirements. Condominiums, planned-unit developments and leasehold estates must have been determined acceptable by VA. A condominium or planned-unit development which is acceptable to the Department of Housing and Urban Development or the Department of Agriculture may also be acceptable to VA. '' The realtor told me the repairs were done, the evidence of the leak was covered up. The only way I would have know it wasn't fixed was if Regions had done there due diligence. This is a {$50000.00} repair.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. I'm looking forward that you will resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOUTHSTATE CORPORATION (GA)

XX/XX/2022 XXXX XXXX  FRAUD {$1900.00} TAKEN FROM BANK DEBIT CARD. 
XX/XX/2022 XXXX XXXX FRAUD {$500.00} TAKEN FROM BANK DEBIT CARD. 
BOTH ARE UNAURTHORIZED CHARGES. NO CONTACT WAS MADE WITH THE WITHDRAWER. 
DISPUTE WAS FILED ON XX/XX/2022 WITH BANK.
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Portfolio Recovery contacting me, calling me and my family members and sending me letters regarding {$2400.00} that they think I owe them. I do not owe anyone anything, I have node how or where they relied this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the state of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts and continue to make payments why am i being double billed buy this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. They did not even update the acorn too show I was disputing it. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX, XXXXon my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the credit Bureau about this and haven't gotten any satisfaction.