davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

In XXXX XXXX, American Medical Collection Agency ( AMCA ) reported to XXXX Credit Report Agency an amount due of $ XXXX for an invoice from XXXX XXXX XXXX 

This amount was a billing error on XXXX 's part. They submitted the invoice to the wrong address for my insurance company, and when they resubmitted it, they failed to include necessary information. They continued to bill me in excess of {$900.00} for these services instead of billing me the reduced amount agreed to and contracted with my insurance company. 

It took me months to have them correct the invoice. I began communicating with XXXX at XXXX in XXXX XXXX, but the amount was not corrected until XXXX. During this time, XXXX XXXX told me that a removal of the disputed item from my credit report was impossible without rebilling my insurance company and starting over. XXXX eventually acknowledged their errors and reduced my invoice on XXXX/XXXX/XXXX to the correct amount of {$35.00}, and I promptly paid. 

I called AMCA on XXXX and spoke to XXXX, who said it was their policy to remove the item from Transunion within 45 days. I advised XXXX this was not a PAID bill issue ; it was an INCORRECT reporting issue from XXXX. She agreed and stated the company policy of a 10 business day period to remove the item from my credit. I confirmed that the item should not be marked as PAID, but should be completely REMOVED from my report. 

As of XXXX, the item was still on my XXXX report. I called AMCA and XXXX apologized and said she would investigate. As of today 's XXXX/XXXX/XXXX XXXX update, this item still appears as {$910.00}. 

Reporting a false amount to a credit reporting agency is a violation of the Fair Credit Reporting Act. I believe that XXXX XXXX as well as AMCA both violated this act. 

Today I will contact Transunion to begin a dispute process. 

For your information, there are XXXX complaints on the Better Business Bureau against AMCA for unfair billing practices.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

this debt collector enganged in abusive deceptive and unfair practices of the FDCPA which it prohibits .they furnished this account that we dont agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of ti More so they didnt follow the proper 5 step validation procedure which make this unfair practices
Consumer complaint received 2020-09-25
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. (NJ)

I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the Department of Education to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.
Consumer complaint received 2022-12-15
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2023-07-27
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: EQUIFAX, INC. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2023-07-17
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. (FL)

Someone is using my identity in the state of California, I have already reported the fraud to the state police, IRS, S.S., and the different credit companies. All new accounts are related to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in California, much less have family in that state of the nation. All these last 25 years living in the city of XXXX, Florida.
Consumer complaint received 2022-10-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have been being charged late fees, for having late fees even after I pay my required minimum account balance of {$55.00}. 

I made a large payment on my account of {$320.00} on XX/XX/2022 which was XXXX days before my payment date of XX/XX/XXXX. 

I was XXXX days late in XXXX paying my bill on the XXXX and they charged me {$41.00} late charge. I called them and tried to dispute the late fee after I just paid a large sum to them and they refused. 

Since then to current, I have been paying my minimum payment on time but they have been charging me late fees for not paying the late fees. 

That is causing my account to look like it is a delinquent account and it is not at all. 

I tried calling them again and spoke to a supervisor but they give me the same song and dance about I had a fee waived in XXXX and they wont take any late fees off. 

I do not want them to report to the credit bureaus negative on my credit history because I do have an exceptional history of payments. 

In the beginning of my account with them unbeknownst to me they dropped my credit limit for my account which in turn had a negative affect on my credit history. I would not like to have them pull something like that again so please help me to have the necessary fees waived so I can have my account in good standing like it should be.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2021 I was reviewing a copy of free annual my credit report & discovered I was victim of identity theft. Portfolio Recovery a debt collection agency for XXXX XXXX are reporting that I owe {$1700.00} to all 3 Credit Bureaus. However, I never opened an authorized account with XXXX  account. As a result I've mailed all 3 credit bureaus a letter informing them about this fraudulent account and that it is not mines along with a copy of my police report number & the detective I spoke with. And they are still reporting this fraudulent account on my credit report and all I am requesting is that this fraudulent account be removed from my credit file immediately.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Visa Credit Card. The account was paid but my credit bureaus show the account as being charged off and delinquent.. The balance shown is invalid and Bank of America has refused to correct this information on my account. This has caused my credit ranking to go down.
Consumer complaint received 2020-07-30
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)

XXXX is showing 2 items in dispute and XXXX and Experian are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.
Consumer complaint received 2022-12-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX i had someone opem a loan for {$5000.00} in my name at citi bank back on either XXXX or XXXX without my permission and Citi Bank did nothing to stop it
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I just viewed my recent credit report from XX/XX/2024 and I discovered some inquiries that I did not authorize and also have no permissible purpose. I am now a victim of identify theft I have also attached the evidence. These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b.

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY written permission to furnish these accounts.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXXXXXX XXXX XXXX
Consumer complaint received 2020-02-26
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: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I already reached out to CARRINGTON MORTGAGE SERVICES and to the 3 BUREAUS ( XXXX, XXXX and XXXX ) and notify them of their error posting of information on my report. I was never late on these accounts. On XXXX, I received their acknowledgement of the QWR and said the investigation would be complete on XX/XX/19. But they never sent a response. They are required by law under the RESPA/ Dodd Frank Wall Street amendment to provide the acknowledgement in 5 days ( research this to double check ) which they did, and then investigation results in 30 days. Which they did not. They are now in violation and must remove the 4 late pays reported. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2023-03-25
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: AmerAssist A/R Solutions, Inc. (NJ)

To whom it may concern : I requested verification of this alleged debt from AMERASSIST AR SOLUTIONS, and they did not introduce enough proof to me for this to be on my credit report. The original creditor added an addendum without my knowledge. They don't have an address that connects me to this debt. The signature doesn't match my handwriting. Neither of you has documentation to maintain this on my credit reports. Cease any credit bureau reporting and remove this account from my credit report. Please do not close it. Please remove it or face further consequences.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Earm LLC (ME)

Received vague and seemingly threatening voicemail from a local area code. Unidentifiable company, generically named representative XXXX XXXX XXXX gruff voice, curt speech like an interrogation not a customer service agent ), attempted to use my mothers XXXX real ) name to bait me into calling back at a different XXXX number. Dont know how they got it, as she doesnt have any debt and I care for her in-home. That alone is despicable. Also claimed I was a person of interest which is cop lingo for wanted and I feel uncomfortable enough now that I need to report it. 

Based on the similarities of others online ( over 100 cases I saw for the same thing or similar, all listed XXXX XXXX XXXX, I did not return the call. I dont believe this to be legitimate. Transcript below. 

Hello this is XXXX XXXX with MAC the reason for my call today is because we had you listed as a reference for XXXX XXXX. If you know who this is please press one now or hold for a message. ( Pause ) You are listed as a person of interest in an important matter that does require your immediate attention. Contact us directly at XXXX.
Consumer complaint received 2021-06-16
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. (NC)

All three of the credit bureaus only updated the file in XXXX XXXX on my credit reports which proves they were reporting incorrectly for years. None of the bureaus removed this fraudulent information from my credit report. 

This is my second attempt with the CFPB to get this removed and I cant count how many times I have asked each bureau to review this account and it continued to be incorrect. 

This complaint is a continuation of CFPB complaints submitted XX/XX/2021. 
XXXX XXXX XXXX I am under the impression that all three companies rushed through this process and reported back that the investigated and updated the accounts when they actually did nothing. 
Please assist me in getting this fraudulent account deleted.
Consumer complaint received 2022-10-15
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (CA)

I ; ve had an account at Navy Federal Credit Union for over 20 years. In XXXX I received a loan for a new car. I was discharged from the XXXX XXXX XXXX in XXXX because it was discovered that I had a XXXX XXXX  XXXX and was given 2 years to live. Due to my condition being pre existing I was not awarded service connection benefits. I became homeless due to no income and lost the automobile. In XXXX NFCU wrote off the loan. My name was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. I fought the CA for my benefits and won in XXXX. I also had XXXX XXXX XXXX in XXXX at XXXX XXXX. The VA refused to perform XXXX stating that I would not survive or it would not help, In an effort to re establish my credit I started another savings account at NFCU under my new name. 3 years ago. I had an automatic deposit of {$100.00} going into my account monthly.. I had an emergency and visited NFCU to make a withdraw from my savings account. I was told I had a XXXX balance because my money was taken out of my account to pay off the car loan that was written off in XXXX. I was never informed of this. I never received any monthly statements regarding the credit unions actions. I never signed any agreement regarding this matter. That was an old account and old debt under my former name. I told the credit union they had no right to take that action. I asked for all past statements on the account and was not given any.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

US Bank notified they were closing my account due to suspicious activity. When they investigated the situation, the fees that were charged were reversed and I was cleared of abuse. But they stated that they were still closing the account. I had to file another claim that was finalized on XX/XX/XXXX it was ruled in my favor but the account has not been closed yet and I still dont have access to my money. Im behind on my payments to my credit card, I want those fees reversed and these derogatory statements removed from my credit. I need my money now. I cant afford to wait anymore.