davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (AZ)

I was authorized by my healthcare provider ( XXXX ) for 30 visits with a Nutritionist. I was sent to see XXXX XXXX at XXXX XXXX, XXXX. I went to my first visit, paid my co-pay and saw Ms. XXXX for approximately 10 minutes. She gave me a pre-printed list of recommended diet tips and scheduled me for a follow up appointment approximately 30 days later. I returned 30 days later, paid my co-pay and spoke to Ms. XXXX for another 10 minutes and was rescheduled for another appointment approximately 30 days later. A couple of weeks later I received a bill from XXXX for {$310.00}. I called XXXX to see what was going on and they said XXXX was " balance billing '' me and that I was not responsible for the charges. I also found out that XXXX was submitting the wrong billing codes for payment. I was then connected on a 3 way call by the XXXX representative who explained to XXXX XXXX billing department the issues and how to resolve them. The XXXX representative seemed disinterested and like she was only half-listening to the XXXX representative. We ended the call thinking that the issue was resolved. A few weeks later I receive a collections notice from National Recovery Agency on behalf of XXXX for the {$310.00}. I call the collection agency to explain the situation and it falls on deaf ears. They will only listen to responses from XXXX. I called XXXX again, we 3 way call XXXX again and re-explain the situation and, again, think it is handled. I continue to receive harassing phone calls from the collection agency and the situation has not changed. I again called XXXX and filed a grievance on XX/XX/2019 ( reference # XXXX ) regarding this claim for service ( Claim # XXXX ) and was told that the investigation would be completed within 30 days. In the meanwhile, I had planned to refinance my home in order to help pay for my daughter 's coming of age party and find that this collection has caused my excellent credit score to drop to approximately 150 points. This will significantly affect the terms and cost of any loan I wish to obtain and has essentially destroyed any chance of me obtaining an affordable loan. I live on a fixed income and my credit is the only way I can afford to survive. I have an excellent payment history and my credit was flawless until this collection was put on me. I feel that I was deliberately and maliciously harmed by the actions of XXXX and do not want to see them harm anyone else in this manner.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I was booking a flight on the XXXX XXXX website. There was a promotional offer, which offered a {$200.00} discount if I applied for a Citi / AAdvantage Platinum Select card and paid for the trip through the card. I applied for the card and received an email almost immediately to say that I was approved. Unfortunately, the email said it would be 7-10 days before the card arrived in the mail. I called XXXX XXXX to ask how I was supposed to take advantage of the promotion, since the flight reservation would be held for only 24 hours. They explained that Citibank should have given me a temporary number with which to pay for the flight. They transfered me to Citibank to receive the temporary number. Citibank said they would not give me a temporary number, and that I would have to wait until I received the card in the mail, at which point it would be too late use that card to pay for my flight. The only reason I applied for the card was to take advantage of this offer, but the process is structured so that it is actually impossible to take advantage of the offer. The promotional offer is a complete fraud.
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

Dear Commonwealth Financial System After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2023-03-26
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. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 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.

15USX 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since XX/XX/XXXX I have been attempting to access an online account through Transunion to be able to freeze/unfreeze my credit report and other tools but I am being told online that my account is locked. I spent over an hour on XX/XX/XXXX, an hour on XX/XX/XXXX, half an hour on XX/XX/XXXX, and about half an hour today ( XX/XX/XXXX ). I was told my account would be fixed but as of today it is still locked. When I spoke to a supervisor today I was told my account is locked permanently and there is no way for them to ever unlock it and if I need help with anything regarding my account I have to call them, which is a huge inconvenience.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2018 I sent in a dispute letter to XXXX asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (FL)

Despite several attempts at disputing a collection account with Absolute Resolutions Corporation, they continue attempting to collect an account for XXXXXXXX XXXX. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I received an text todayXX/XX/XXXX, saying unusual activity on a card with AFCU. I do not have an AFCU account. I looked at my credit report saying that I owe {$920.00} on credit cards. I looked at all my credit cards and only owe {$550.00} on my XXXX card. I do not have any other cards that I owe on and do not have an AFCU account. Someone has opened an account with AFCU and I do not know how many cards. This was not me.
Consumer complaint received 2022-07-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I called XXXX to inform them that I have been negatively impacted on my credit report. Although I made my payment in full on the website, they stated the reason for the negative impact was due to interest that was not paid. I explained to them that the interest was not reflected in the payment request online. Had it been reflected, payment would have been made. The person ( XXXX ) in Consumer Credit Specialist Department agreed but stated the only way she can discuss making the change with the credit bureau was if the mistake was done by a third party. 
I believe this is unfair since the bill did not illustrate correctly. Please have XXXX update my credit report and remove my negative impact.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Upon review of my credit reports with XXXX, XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/XXXX ) with the three credit bureaus. XXXX  deleted said account. XXXX  and XXXX  responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail, claiming that they had completed their investigation and determined the debt to be valid, attaching only a letter written by the company they purchased the debt from ( XXXX XXXX  ), stating that they sold the referenced account to Portfolio Recovery Associates, LLC on XX/XX/XXXX. 

I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/XXXX, asking them to validate this debt with evidence bearing my signature, and they failed to do so. Their subsequent responses have only included the same letter referenced earlier. 

It seems that Portfolio Recovery Associates, LLC is attempting to commit fraud, because the date they purchased the debt is the same as the date opened listed on my credit report, which doesnt make any logical sense. 

It also seems they are trying to take advantage of consumers XXXX  of the law and their rights, by reporting debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request deletion of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
Consumer complaint received 2022-07-27
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has not followed the law as stated above and below. In addition they reported missed payments in XXXX and XX/XX/XXXX when the account was CLOSED PAID IN FULL in XXXX of XXXX. 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 or 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 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

XXXX and Experian responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if XXXX  should be shut down. They are extremely shady and dishonest. 

Experian refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my report!
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (DE)

I signed a lease with XXXX XXXX in XX/XX/XXXX for one year. But, in XX/XX/XXXX my father-in-law said he would help us with a downpayment for a house and we were approved for a new construction house with a move-in date of XX/XX/XXXX. Per Delaware Law, if you are going to move into a house with full ownership, you can break your lease with a written request as long as you give 60 DAYS notice. So, on XX/XX/XXXX I informed XXXX XXXX in writing that we would be vacating the apartment on XX/XX/XXXX. 
Written notice to break the lease was given with 68 Days notice!!! But, XXXX XXXX keeps insisting that I owe the rest of lease and the security deposit covered by XXXX. 
XXXX XXXX sold the debt to HunterWarfield collection company to collect for {$2800.00} for rest of lease and also sold the XXXX debt to HunterWarfield as well for {$750.00}. They totally disregarded my email request to early term the lease on XX/XX/XXXX. I do have a copy of that written notice.
Consumer complaint received 2022-07-26
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has not followed the law as stated above and below. In addition they reported missed payments in XXXX and XX/XX/XXXX when the account was CLOSED PAID IN FULL in XXXX of XXXX. 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 or 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 2022-07-26
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. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2019-09-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CA)

I want to see if I could negotiate my debt. I have an account from XXXX XXXX that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?
Consumer complaint received 2019-09-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc. (LA)

NCB Management has called my place of employment after on the XXXX website I was ensured that my job would not be called for any reason. My phone rings 4 to 5 times per day with these people. If I dont answer they should just report the debt to my credit report. This is harassment.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In spite of my disputes directly with Equifax, XXXX and XXXX, they have all failed to update my respective credit files with respect to my XXXX account since the end of XX/XX/2022. This has adversely impacting my credit profile and thus my financial health. Further this failure to update my XXXX account is in violation of the Fair Credit Reporting Act, which legally obliges credit providers as well as credit reporters to make prompt regular monthly reports with fail!
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Although a complaint has been issued previously on XX/XX/XXXX, I have NOT received method of verification documents as requested from Experian. They are reporting that I have late payments on the following account : XXXX  which is inaccurate and they have not provided how they verified this information to be true. In addition, all 3 bureaus are reporting different information which means that the information was NOT properly verified and is not 100 % accurate. 

If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

On XX/XX/2018 I sent in a dispute letter to XXXX  asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.