davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

Acct : XXXX XXXX account nubmer : XXXX I have contacted XXXX numerous times about the amount I own them and this still have not been resolved and has not been turned over to a collection agency. I had their internet service a total of 5 days, at the time of installation, the tech only installed internet service, I subscribe for TV service as well, the tech told me he didn't have the boxes for tv service. So I called XXXX  and they said the only time they could come out to install the TV service was 2 weeks later. I then called XXXX XXXX XXXX  and they were out 2 days later to install my internet service, that same day I called XXXX and canceled my internet service and canceled the TV service install, I shipped back the internet modem and wifi extender to their corporate office. I then contacted XXXX several more times because in the system it showed I still had TV service, I asked them about this and they said the bill would be corrected with the 1st bill. When I got the bill it was still showing {$120.00}, I think called XXXX back and they kept telling me they could not help me because I was disconnected for non-pay, I explained to them I couldn't be disconnected for non-pay because I canceled the service 5  days after, only the internet was installed. A supervisor called me back and I went over me only having internet service install and that the TV service was never installed, as well as if I had had TV service installed there should be Serial numbers of the boxes in their system, which they do not have in their system, yet I'll say this once again I've never had their TV service. I have never received a corrected bull which XXXX said I would get, instead I get the collection notice from cfpb. I will not pay for something I never received, all of my interaction should be recored in the notes and on a recored line with XXXX. If anything I own for at best a month of internet service which should be anymore then {$30.00} or {$40.00}.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

After surviving XXXX XXXX XXXX. I ended up paying {$15000.00} in medical bills out of my own pocket. Most of these bills I paid immediately. I made sure to avoid ALL medical debt. Yet, after 6 months I start getting calls from EOS. A collection agency based in Texas, even though I 'm in NY state. 

After I deal with the confusion everything is cleared up, or so I thought. A year later they call again. It 's the same two bills. I sent in more specific information. Another year goes by and they call again. By this point I 'm very angry. I have XXXX XXXX, in XXXX call them directly! I 'm left alone for all of XXXX. 

Then inXX/XX/XXXX they call again. I mail them the copies of the bills I paid out of my own pocket all those years ago. This is some crazy frivolous XXXX. We 're talking {$82.00}. I finally consult a lawyer for free and he says it 's fraud. I do not have the money to sue, I became unemployed from the illness. Luckily doctors finally found the problem and put me on the right medicine. I 'm working my way back to a normal life, with a good paying job. 

They are n't stopping anymore. They keep calling with more devious ways to fool me into giving them my personal information. I went to the hospital and printed every receipt I could find on top of the ones I have. I was instructed to never speak with them again. But it does n't stop. Please seek justice on behalf of the many who ca n't afford legal action.
Consumer complaint received 2022-10-07
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. (TN)

XXXX ( XXXX XXXX ) closed XX/XX/2018 sold account to XXXX XXXX XXXX XXXX, I ask them to produce a itemized and detailed contract or agreement to pay with my wet signature and was not provided any type of documentations to prove I owed this debt. XXXX XXXX XXXX XXXX then re-aged the debt meaning they intentionally gave false information about the age of this debt in question. Transunion, XXXX, XXXX all failed to remove this fictitious account from my credit report.
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

In Accordance with Fair Credit Reporting Act Comenity Bank has violated my rights for the below accounts 1. ) Comenity Bank/LNBRYANT Account number XXXX Date opened XX/XX/XXXX XXXX. ) Comenity Bank/NY & CO Account number XXXX Date opened XX/XX/XXXX XXXX. ) Comenity Bank/VICTORIA Account number XXXX Date opened XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-30
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. (IL)

I have unpaid Bills and A judgement that has nothing to do with me I have court papers saying I couldnt even go near XXXX XXXX XXXX XXXX XXXX IL. And bills are in my name there and a judgement was sumbmitted. On or About XX/XX/2019 and I have court papers saying I couldnt come there Me and my aunt have the same first and last name different middle Initals. I moved and never had an eviction I wasnt even the lease holder
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (VA)

As previously reported, XXXX ( also known as an affiliate company XXXX ) charged my debit card for services that I didnt approve or authorized. 

These charges were fraudulent hotel reservations. This company has violated and compromised my financial and personal records. In addition to the emotional, time consuming and debilitating of having to contact so many agencies to ensure that damage controls happens. 

Im tired of disputing fraudulent charges that arise from mishandling of my information. More government protections should be available. Also penalties to ensure this doesnt happen to anyone else.
Consumer complaint received 2022-10-07
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. (VA)

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 : # 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 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 of 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 2022-10-07
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (FL)

Southern Management systems XXXX XXXX XXXX First reported XX/XX/15 Debt ant {$770.00} I called the above mentioned company and was violated my rights FCRA being advised I must give my contact phone number to speak with an representative before anything could be discussed. I disputed this debt with all 3 major credit bureaus in which one of the bureaus have deleted. The service I received when calling in was very unprofessional and did not allow me to communicate with the debt collector to resolver this matter.
Consumer complaint received 2022-02-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MO)

I have an account with Chrysler Capital with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX, XXXX and XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses.
Consumer complaint received 2022-02-19
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: CMRE Financial Services, Inc. (OH)

On XXXX XXXX, 2018, CMRE Financial Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, CMRE Financial Services has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2022-02-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (KY)

XXXX needs to immediately stop trying to collect and report on this debt that is not owed and at no point ever did I owe the amount they are trying to collect. The account was resolved with XXXX XXXX. I sent an email requesting validation of the debt and no response was provided now about a year later they have started reporting the debt on my credit report of which it needs to be removed immediately or legal actions may be taken.
Consumer complaint received 2021-09-25
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: CITIBANK, N.A. (NY)

I was charged for a service I did not receive in my Citi MasterCard by XXXX XXXX XXXX XXXX in the amount of XXXX on XX/XX/21 of which I was never given a receipt. XXXX XXXX  XXXX XXXX  XXXX also charged my husband 's Visa credit card XXXX. When he complained to his XXXX XXXX Visa credit card, the dispute was resolved immediately to his favor, based on services not rendered and on a nullified Proposal. I filed a dispute with Citi Cards and complained to youngs water and sewer but they only credited me a portion of that amount and not the full amount. The pending amount was XXXX. I then complained to Citi and there was much confusion given their disputes operate in XXXX and there is a language barrier. In fact, one of their dispute reps stated that there was confusion with the investigators and after speaking over the phone with me helped to clarify. This rep also stated that it would help for the investigators to call but they did not. I made repeated calls to Citi disputes and while over the phone I clarified many times this issue with them confirming over the phone that I am not responsible and that no services or products were ordered, they responded with differing information then closing the dispute claiming I was responsible, then reopening the dispute multiple times. to finally stating that because the merchant refuses to issue a full refund, I would have to pay the remaining {$2800.00} when services were not rendered. Citi has closed and reopened this dispute multiple times going back and forth with me and the vendor who has violated visa and MasterCard rules with making fraudulent statements of services not rendered and products never ordered by XXXX and claims of a restocking fee. Citi after 4 months is now saying I will be charged for the portion the vendor has refused to refund my account ( XXXX ). When in fact I never received any services or products nor have I received a receipt for the charge youngs water and sewer placed on my credit card. I provided all documentation to Citi including the false claims evidence. I never received the final details from Citi as to their investigation and how they arrived at their conclusion given the evidence I provided. Other than the dispute rep stating that the merchant and merchant refuses to refund me the full amount.
Consumer complaint received 2022-02-19
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: American Profit Recovery, Inc., Marlborough, MA Branch (OH)

On XXXX XXXX, 2019, AMERICAN PROFIT RECOVERY added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 
According to the FCRA, American Profit Recovery has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

i see there is a XXXX XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response OTDA REPORTING AS A CHARGE OFF
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (NY)

I moved from XXXX to XXXX in XXXX. I opened a bank account under Huntington National Bank because there were 0 XXXX XXXX XXXX XXXX  in the state of XXXX. I moved back to XXXX and closed the account in XX/XX/XXXX. They even sent me a check for the remaining balance in my account! 

But twice the bank has called randomly demanding {$150.00}? And saying that my closed account I literally can not even view anymore has insufficient funds and piling up late fees. Im furious. Ive called 8 times and everytime someone assures me the it should be fixed now. Ive absolutely had it, and know 200 % I owe them nothing. This is a complete scam and Im literally not tolerating it for another minute.
Consumer complaint received 2022-12-05
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

In early XXXX I entered financial hardship and became late paying my American Express credit card account. I closed the account in XXXX of XXXX with an outstanding balance and already late on payments. American Express reported my account with late payments / delinquent then soon after in collections / charge-off. Years later, the payment history on my account was removed from XXXX ( earliest payment history record available as of today ) through XX/XX/XXXX. This payment history was previously reported as late, then updated to " no information ''. American Express has reported the date delinquent on the account as XX/XX/XXXX - more than

15 moths later than the actual date of delinquency. This allows the account to [ fraudulently and unethically ] remain on my credit reports for 7 years from the " date delinquent '' and impedes the CRAs from determining the actual date of first delinquency as advised by FCRA 623 ( a ) ( 5 ) ( B ) 5 or the factual date first delinquent. It is my belief that American Express is purposely and knowingly using unethical and illegal collections practices whereby they remove payment history from consumer accounts and choosing a significantly later date of reported delinquency than the 'actual ' - preventing the consumer from having the account removed from their credit reports thereby continuing to negatively impact their ongoing credit worthiness and financial health.
I can include a copy of my credit reports showing the missing information if required - but prefer to not attach it at this time ... only if it is necessary.
Consumer complaint received 2022-02-19
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. (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B