davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (SC)

Complaint against XXXX I write this letter to formally bring forth a complaint against XXXX for their failure to comply with the rules and regulations outlined in the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the issue directly with the debt collector, I find it necessary to escalate this matter to your attention. 

I sent a letter to XXXX requesting them to validate the incorrect information they are reporting on my credit file. In response, I received a letter from XXXX claiming that my information has been verified. However, the response provided by XXXXcontains insufficient validation of the disputed information and fails to meet the required standards as stipulated by the FDCPA.

As per Section 809 ( b ) of the FDCPA, debt collectors are obligated to provide specific information to validate the accuracy of the reported debt. This information includes, but is not limited to : 1. The name of the original creditor 2. The original account number 3. Documentation confirming that I am responsible for the debt 4. The complete payment history, including any
interest or fees charged 5. Any agreements or contracts that evidence the existence of the debt XXXX provided none of this required information in their response, which constitutes a clear violation of the FDCPA. I have made a diligent effort to handle this matter in good faith while upholding my rights as a consumer, but XXXX actions have left me no choice but to seek assistance from your reputable organization. 

Their failure to comply with the FDCPA is evident. Additionally, I request that they be instructed to remove the incorrect account from my credit report, as the law mandates in such circumstances. 

I have attached copies of the relevant correspondence for your reference, along with any supporting documentation regarding the inaccuracies in my credit report. Please let me know if any further information is required to facilitate the investigation.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (CA)

On XXXX I initiated a dispute with Experian representative XXXX XXXX case # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my credit file. On XXXX I received an email notification from Experian informing me my dispute results were ready. Upon checking the dispute results, Experian had concluded the account was verified as accurate and elected to make no changes to the disputed account. I challenged Experian 's findings and requested in writing in a certified letter, their method of verification and an explanantion of how Experian 's investigation resulted in that conclusion. As per the XXXX, Experian had XXXX days to respond to my letter. As of XXXX I have not received a response from Experian re : their method of verification. Because Experian has not responded to my request for their method of verification, I do not believe a thorough investigation was conducted and the account in question was not actually verified. Per the XXXX, as a consumer I am entitled to all the information in my consumer files as well as the source of that information. Experian 's inaction and failure to comply with the XXXX is a direct violation of federal law and my consumer rights. With the assistance of the CFPB, I am requesting Experian provide me with the contact info of the person ( XXXX ) ( name, address, email, phone # ) who personally verified the disputed account Experian was supposed to be investigating. As stated in my written letter to Experian, I do not consent to XXXX verification and am requesting actual contact information of a real live person who Experian verified the account with.
Consumer complaint received 2022-02-17
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: CITIBANK, N.A. (FL)

RE : XXXX XXXX XXXX XXXX Complaint # XXXX Macys account ending in XXXX ( closed ) On XX/XX/2021 I have received Macys response XXXX fraudulent macys account. On this letter the company stated that the account has been verified and it belongs to me. On XX/XX/XXXX of XXXX I've received a letter in the mail from macys regarding this same account, but this time Macy stated that they will investigate the issue. It's now XX/XX/XXXX and still no update. I will attached additional information regarding this fraudulent account.
Consumer complaint received 2022-02-17
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I have a loan with NISSAN MOTOR ACCEPTANC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and NISSAN MOTOR ACCEPTANC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-28
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry.

Very Respectfully, XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc. (PA)

I am writing to bring to your attention a concerning issue regarding a potential HIPAA violation in relation to a medical collection account that has been placed on my credit report. ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX, ACOUNT NUMBER : XXXX. It has come to my attention that sensitive medical information, protected under HIPAA regulations, has been disclosed to a third-party collection agency without my consent, leading to its inclusion on my credit report. This breach of confidentiality not only violates my privacy rights but also undermines the integrity of medical data protection laws along with the FCRA. I have NOT given consent for this account to be on my consumer reports! I have NOT had an account with MEDICAL DATA SYSTEMS nor do I owe them any money. I urge the CFPB to investigate this matter thoroughly and take appropriate action to rectify the violation and prevent similar occurrences in the future.
Consumer complaint received 2022-02-17
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. (VA)

I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-02-17
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. (VA)

I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (AR)

I have a debit card through Chime bank card. I filed a dispute with a company that I have patronized weekly/ bi-weekly with my debit card. I got services from the merchant, XXXX XXXX, in XXXX XXXX, XXXX. On XX/XX/2022, I got a full, fresh new acrylic nail set. This set is supposed to last XXXX XXXX XXXXXXXX weeks before needing a fill. Within the first week my nails were splitting. This is not normal because I have been getting my nails done for XXXX XXXXXXXX years. The nails were just not done correctly. They were filed unevenly, not enough acrylic added, gaps, lifting and therefore causing damages to my real nails. The nails were hurting and splitting in the middle of my real nail bed, I was advised to cut the nails off. My nails have to be manicured at all times for business purposes. I have a business and have lost money due to me not being able to get my nails done. I have to let the damages to my real nails grow out before getting them redone. I can not take pictures and have lost revenue. I opened a dispute with Chime Monday, XX/XX/2022, and Chime closed the dispute before the thirty days were expired not following the Federal trade Commission 's policy for disputes. The dispute was to be opened until XX/XX/2022. The dispute was closed before giving me any details.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (OH)

on XX/XX/22 I noticed my credit score dropped XXXX points due to Franklin services adding an account for {$150.00} from XXXX XXXX XXXX. I called and spoke to XXXX XXXX XXXX  and they confirmed I do not owe them for any services. I called the credit agency that is reporting it-Franklin services and explained to a supervisor XXXX that this is a mistake. It is reporting on my credit report incorrectly as an unpaid balance when I do not have any unpaid balances with XXXX XXXX  XXXX. It is showing as a chargoff/derogatory account. They never attempted to even contact me prior to this to try to collect. If they would have attempted to contact me by phone or mail, I would have had the opportunity to explain to them the situation before they put it on my credit report. This violates my rights as a consumer and clearly shows shady tactics by this company to unfairly collect a debt without giving me the opportunity to dispute it.
Consumer complaint received 2022-02-17
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: AMERICAN EXPRESS COMPANY (CA)

I had an AMEX Offer on my AMEX XXXX XXXX credit card where I'd receive {$25.00} credit for spending {$45.00} on a new XXXX XXXX XXXX membership. I signed up for XXXX XXXX XXXXXXXX membership using the card on XXXX XXXX, XXXX. The {$45.00} charge by XXXX XXXX XXXX posted on XX/XX/XXXX. Not having received the {$25.00} AMEX Offers credit, I contacted AMEX via chat feature on XX/XX/XXXX. I was told, " XXXX, don't worry, the credit will post 2-3 weeks from the time of being charge in the account. '' The credit never came. I contacted AMEX again on XX/XX/XXXX. I was told, " Since it is more than 21 days, I'll open an investigation on my end. '' Still not having received the {$25.00} credit, I contacted AMEX again on XXXX XXXX, XXXX, and the agent told me that no investigation had been created on the issue.
Consumer complaint received 2018-05-01
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. (IL)

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX   XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} not mine XXXX XXXX XXXX XXXX {$760.00} not mine XXXX XXXX XXXX XXXX {$400.00} not mine XXXX not mine
Consumer complaint received 2018-03-09
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: General Motors Financial Company, Inc. (TX)

XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX XXXX and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and XXXX that the debit was valid and would remain on my credit. XXXX  removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd. (FL)

Consumer Finance, On review of my credit reports I found out I had a collection from CBA COLLECTION BUREAU OF AMER - Original creditor XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2017 in the amount of {$4400.00}. 

I have challenged this with the 3 credit bureaus as well as the original creditor and as well the collection agency- to prove this is my account and I owe this amount. 

I have yet to receive any proof. 

I have asked the 3 credit bureaus to remove from my credit reports and its still not done. 

This is not a valid debt I owe. 

I will attach the documents I have mailed everyone via certified mail.
Consumer complaint received 2018-05-01
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 (TX)

Capital One closed two of my credit cards accounts without issuing any warning, sending any email, or a letter to me. Capital One accused me of attempting to make fraudulent transactions. I made an online payment on XX/XX/XXXX however due to the high amount of {$2400.00}, my bank did not pay Capital One and the ACH was returned on XX/XX/XXXX. However, on Monday, XX/XX/XXXX, I mailed a paper check for the same amount. The check was received by Capital One on XX/XX/XXXX and it was posted to the account the same day. 
XXXX XXXX Payment from Mail Payment- {$2400.00} Posted : Thu, XXXX XXXX, XXXX Method : Mail Confirmation Code : XXXX Then on XX/XX/XXXX, I made another payment of {$67.00}. 

Capital One without contacting me, issuing any notice, just closes my account. I called their customer service line and explained the problem, they refused to re-open the account. I explained if it was intentional of me to make a blank payment and commit fraud, I would not have mailed the paper check which was not returned by my bank, was paid by my bank, and the transaction was posted in the Capital one credit card account. 

In addition, Capital One closed a second credit card which did not have anything to do with the first credit card. When I called, the representative told me it is the system. I said it can not be system since I have three credit cards with Capital One. If Capital One is accusing juging the return online payment as fraudulent, they should have closed all three accounts. Such bad business practices from Capital One is going to ruin my credit. I never made any late payments on the credit cards, thus Capital One refused to re-open the two accounts for me. Such companies like Capital One should be investigated further for malicious business practices. This credit card companies do not care about consumers. They are just to destroy people and make us go to XXXX and XXXX. 

Now, my credit score will lose a lot of points. Capital One never email me and I found out that the two accounts are closed today XX/XX/XXXX.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (CO)

I was told to ignore debt by medical provider until it was resubmitted to the insurance company. Despite documenting this in the file, they never resubmitted to my insurance and sent my account to collections. The collections company and medical provider told me money was not owed at this time on the phone but they sent multiple letters saying I owed the money. The most recent letter says that even after dispute I owe the original amount despite the medical provider telling me otherwise. When calling to verify, I was repeatedly put on hold for unreasonable amounts of time and when I asked for a supervisor, was told no and was hung up on. When I did get in touch with them, they refused to provide anything in writing regarding the current status.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (FL)

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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2012 Balance : {$930.00}
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (NY)

They have called 3 days in a row I asked them to stop calling me I explained I am XXXX and in foreclosure and will be filing bankruptcy They said they will note the file. The 2nd day they hung up on me when I tried to explain what happened the first call. Today they threaten me with wage garnishment bank garnishment. I tried to tell him to read the note from the first call he would not listen. I cursed him out with stop calling me. They have called 3 days in a row and get more persistent. each time