davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BC SERVICES, INC. (CO)

I have a medical debt that originated with XXXX XXXX. I was making monthly payments for well over a year, maybe even 2 and when I was unable to continue, the debt was sold to BC Services Inc. Total currently due ( {$8100.00} + {$7700.00} ). Same incident but for some unknown reason, these were submitted on 2 accounts. 

When I missed a payment, it was reported to the credit bureau and when I called to rectify, I was told that nothing could be done except to pay the balance. They offered to reduce in half if I paid in one lump sum. I explained I didn't have {$7900.00} and they suggested I get a loan to pay it off. The interest was over 20 % so I was unable to get the loan. They threatened on several occasions to take me to court. 

I recently submitted this debt ( and the one associated with the surgeon from the same accident ) to a 'debt relief company ' and I am paying them $ XXXX. The total medical debt is $ XXXX. The surgeon office never submitted my unpaid account to collections. 

I have been trying to get approved for 'First-time home buying ' programs to help me purchase a home and this debt on my report has resulted in my requests being refused.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I have used a Sears charge card for many years. I have always received a paper statement and always paid my bill on time. In XXXX 2016 i used my Sears card for a purchase that I did not receive a paper statement for. After tracking this down, I found out that Sears was now sending my bills through email. I had never authorized this. In fact I would never authorize this! Not only do email accounts " go down '' or get hacked but sometimes computer viruses themselves will kill email accounts. As result, I rely on paper statements for all my charge cards. After phone calls to Sears and on line chats with Sears representatives, I am now once again receiving paper  statements. However, after paying for the purchased item, i continue getting bills for the accrued late fees and interest charges. I have made a concerted effort to resolve this but to no avail. My most recent " new balance '' due XX/XX/XXXX is for {$270.00}, ALL interest fees and late fees! This was Sears at fault. They should never have changed my account information without my consent.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

EQUIFAX : XXXX XXXX XXXX XXXX fraud not mines never had account with them, balance {$43.00}XXXX XXXX XXXX {$47000.00}, XXXX XXXX XXXX XXXX {$0.00} closed, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX balance {$59.00}, XXXX balance {$76.00}, XXXX balance ( closed, XXXX XXXX ( closed ) In the description i have listed all of the fraudulant open /closed accounts and inquaries that are not mines they all need to be removed.
Consumer complaint received 2023-09-25
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. (GA)

This is my 8th 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 an 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-17
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. (OR)

I have a State Tax Lien, docket # XXXX, being reported on my credit report under the public records section. I have sent numerous letters disputing this lien to Equifax, providing proof of their violation of the FCRA. Their response is that it is being reported correctly via a 3rd party XXXX XXXX. This is a blatant violation of the FCRA 623 ( a ) ( 5 ). If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Being that the original creditor is the XXXX County circuit Court, and they DO NOT report ANY information to the Equifax Credit Bureau ( which i have a letter stating as such from the court ), they are in violation. Also, as of XXXX XXXX, 2017 credit bureaus were supposed to remove all public records that were judgements and Tax liens if they didnt correctly have all information such as 1. Date of Birth 2. SS # 3. Correct Address 4. Correct name This record shows no such information, nor does it have 3 of the 4 needed to stay on a report. I have provided a copy of the final letter i have sent to Equifax. In it, you will see detailed information and PROOF, that this public record needs to be removed. I remind Equifax, 3rd party verification, does not constitute proof that this is valid, it proves that you are in violation of my rights as a consumer.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations.

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting and 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 an account without my written instructions.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the XXXX XXXX XXXX and 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 an account without my written instructions.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violate my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRUIST FINANCIAL CORPORATION (NY)

TO WHOM IT MAY CONCERN : I AM XXXX XXXX XXXX XXXX THAT XXXX  THIS PAST SUMMER, FROM XXXX XXXX XXXX. AS SOON AS XXXX I BEGAN XXXX  SCHOOL, AND MY XXXX BEGAN XXXX SCHOOL. A FEW MONTHS LATER MY XXXX BEGAN RECEIVING NOTICES FOR ME FROM SUNTRUST BANK, NOW CALLED TRUIST BANK, STATING THAT I OWE MY FIRST STUDENT LOAN. SHE TRIED CALLING ON MY BEHALF SINCE I WAS NOT IN THE COUNTRY, BUT THEY REFUSED TO TALK TO HER. SHE ASKED WHAT SHE CAN DO SINCE I WAS STILL IN SCHOOL, AND I WOULD NOT BE ABLE TO COMMENCE MY LOAN REPAYMENT. THEY SAID THEY WILL SEND OUT A REQUEST FOR DEFERMENT, WHICH MY XXXX RECEIVED AND SCANNED IT TO ME SO THAT I COULD GET MY SCHOOL OFFICIALS TO FILL OUT THEIR PART ALSO. MY XXXX MAILED IN MY DEFERMENT, AND ALSO TRIED FAXING IT. STILL THE CALLS, AND LETTERS CONTINUED. THEY BEGAN COLLECTIONS PROCEEDINGS, AND THIS IS ON MY CREDIT. EVEN AFTER I CALLED SEVERAL TIMES AND I APPLIED FOR A DEFERMENT WHICH WAS NEVER ACKNOWLEDGED. I PUT IN A CREDIT DISPUTE. I HAVE NOT EVEN BEGUN MY LIFE OR CAREER AS OF YET. MY CREDIT WAS IMPECCABLE. I DID NOT EVEN HAVE A CHANCE TO FINISH MY EDUCATION, AND THEY WANT ME TO FAIL. XXXX  SCHOOL IS ALREADY DIFFICULT ENOUGH, AND NOW I HAVE TO WORRY ABOUT THIS RIGHT NOW. PLEASE HELP.
Consumer complaint received 2022-03-20
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. (MD)

In accordance with the Fair Credit Reporting and XXXX XXXX Acct # 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 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (DE)

XXXX  continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with XXXX with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on XXXX. This is so unfair.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I accidently submitted a payment with wrong information and payment got returned I tried to resolve it with them and they said there is nothing I can do and my account was closed without notice then they send me letter after it was closed under my account not even an official letter informing me about the closure
Consumer complaint received 2022-03-20
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)

I have filed numerous disputes, and complaints wit TRANSUNION credit bureau, and have gotten no results. I am a victim of Identity thief, I have file a federal trade commission report, a XXXX XXXX police report, along with a copy of a letter from the united states Marshall services stating my personal information was breached.

I have also filed this same complaint and dispute with the other 2 major credit bureaus XXXX and XXXX and my file was corrected the results were the accounts were deleted. Its seems like Transunion refuses to abide by the FAIR CREDIT REPORTING ACT, AND THE FAIR DEBT COLLECTION ACT, and there laws and guidelines. These fraudulent and inaccurate accounts need to be removed as stated by statue 1621 B.
Consumer complaint received 2017-08-17
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. (NV)

This is a follow up response after reviewing Equifax 's generic response about XXXX XXXX account number XXXX. I disagree with Equifax. Who did they speak with and what was the contact number? Both XXXX and XXXX did their research and fixed the issue. Why is Equifax the only one that is not truly investigating? I want this information because I believe they are only sending a generic response changing names of companies etc. I want their contact the contact person from the creditor. I am aware of what the statue of limitations is that was never my issue.
Consumer complaint received 2022-03-20
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: Experian Information Solutions Inc. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement
Consumer complaint received 2022-03-20
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. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have a company called portfolio recovery that keeps claiming i owe them for a debt that i have never had. They have called and harrassed me at all times of day and night and when i have asked for proof of debt they were unable to provide this information. I have reported them to the XXXX XXXX XXXX  and am I currently waiting on a response from their investigation however i dont believe they are doing an investigation.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

XXXXXXXX XXXX card is falsely printing the payment due time and charging a XXXX $ late fee. When my wife pointed this out to the payment department they offered a XXXX $ credit. This is a scam, they know it and refuse to remit the fees they have fraudulently stolen. Comenity ultimate rewards XXXX. We are paying online on the due date. The XXXX et is the delinquent time for mailed payment per Company billing instructions
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America routinely blocks payment on my debit. I honestly believe at this point this is pure harassment on the part of BofA. 

This last transaction they blocked a {$290.00} transaction. The result of this block was that my order disappeared. I had spent a couple of hours curating this order. Was this order to an online XXXX site? no it was to purchase essential oils at XXXX  XXXX. 

At this point it is just clear that BofA is discriminating against me.