davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (GA)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I never gave your company consent to use my consumer report to furnish unauthorized hard inquiries. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  I cant apply for credit, my ability to apply for credit is tainted
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (IN)

I ordered a phone from XXXX XXXX it was suppose to be next day delivery I never received it so I called the merchant and they told me they don't operate on weekends so they said that it would take 4 days longer so they canceled it because they couldn't refund just the overnight fee i have been constantly trying to resolve the situation the merchant says they have sent it back to Chime i have called multiple times
Consumer complaint received 2023-03-29
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)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-10-06
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. (TX)

In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX ( XXXX ) # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX 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 reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
Consumer complaint received 2021-07-22
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. (NC)

I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2019-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (FL)

I am reporting this company for past and future loans that they are giving to unsuspecting people. They offered me a XXXX dollar loan tonight with click bait buttons and they want people to pay 9 monthly payments of XXXX dollars on such a loan. I got this offer on XX/XX/2019 then received a call where they tried to push right back into this ridiculous loan agreement. I told him to go wait by a banana boat ...
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have hard credit inquiries on my credit report that I didnt authorize. I need ALL of them removed since I was a victim of identity theft ; 15 U.S.C 1681G Law violation.
Consumer complaint received 2015-06-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

continue my refinancing, I pay off the equity line to Wells Fargo Bank, they charge unknown amount of {$720.00}, call they why charge, they said " you are forclosure, '' I told them I pay off the Equity Line, they said that they will investigate. 
But I got a letter ( attachment ) listed for closure in 2008. 
This was muntrue, I never have forclosure. 
Please check in this, I do not owe them any money. 
Thank you
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a letter from Capital One that states that they are reporting a specific name and address to my credit file in regards to an account on my credit file and XXXX verifies this account as accurate. I have disputed the accuracy of this information numerous times stating that this account does not belong to me and must be removed from my account. It has been removed from my XXXX and XXXX accounts because it does not belong to me upon checking and verifying my personal information with XXXX, the information that Capital One is reporting does not exist on my credit file. How is this account accurate if the information that the creditor is reporting does not belong to me? XXXX is either lying about this account or not conducting thorough investigations. According to Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) if during a reinvestigation there is information that is deemed to be inaccurate after prior investigations claim that it is inaccurate, this information must be promptly removed. XXXX has continuously verified this account as belonging to me yet the creditor is reporting information to my credit file that does not belong to me and does not exist. This is a clear violation of my federally protected rights as a consumer and this account must be deleted immediately.
Consumer complaint received 2022-10-06
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. (GA)

XXXX XXXX and XXXX  monitoring found me in these following data breaches : XXXX  Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XXXX, and XXXX Reported XXXX. I am disputing the following information due to it being incomplete and inaccurate. I've submitted disputes for the past 10 months with documentation supporting my claim of identity theft. 

This Credit agency has refused to comply and do their just diligence with removing fraud from my credit report. I've requested they show me how my claim was investigated which is my right under United States law, this was completely ignored thus violating my rights and breaking the law. Each time I Called the company directly to speak to a specialist after I explained the situation I was hung up on my their representatives,
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I went in and purchased some Items from CONNS. Some of the items that I purchased were not at the store location, and I was instructed to go by their warehouse and pick up the remainder of the merchandise. The warehouse did not have my items in stock as well and I was told that it would be shipped to my home. Also, CONNS added rental insurance in the amount over XXXX to my account. I brought it to their attention and they stated that due me having rental insurance it would come off. Months and years went by, I am paying on my merchandise, and never received my items that were listed on my contract from CoNNs but they want me to pay for them. Also, they never took off the rental insurance XXXX. I believe the contract is non/void due to them not keeping their promises of giving me the items that I agreed to pay for on the contract. I believe this is fraud.
Consumer complaint received 2021-05-10
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. (MI)

I am writing to delete the following information in my file. the items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the heft of my identity to the federal trade commision and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible. 

XXXX XXXX - XX/XX/2021 - {$240.00} XXXX XXXX {$9600.00}
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX sent me a letter dated XX/XX/XXXX that I owe them {$15.00}. They gave me 10 business days to pay. I received this letter XX/XX/XXXX and I payed them {$15.00} same day morning XXXX. I have receipt with confirmation number XXXX dated XX/XX/XXXX. 

I received letter from the Collection Company dated XX/XX/XXXX. It means that XXXX put me to collection before the 10 days period had expired.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CO)

sent all identity theft documentation requested by XXXX, proving my residence for last 6 years also social security documentation proving I am XXXX I do not need or never bought cable at address I never lived at or know about.
Consumer complaint received 2023-03-29
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX AR XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX 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 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On the XXXX of XXXX I obtain a copy of my Experian report and noticed some incorrect information. 
I am writing to request an investigation of the following : Inquires : 1. XXXX XXXX XXXX XXXX Inquiry Date :  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquire Date : XX/XX/XXXX Dispute Reasons : This was disputed and keeps coming back on my credit file. Please update information and remove these credit inquiries or provide me with documents baring my signature
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

The Office of the Attorney General has put an acct paid as agreed account on my credit file on XXXX for {$14000.00}. This is not my account and have no records of any child support. 
I disputed this item in XX/XX/year> and this items was removed once before.
Consumer complaint received 2023-03-29
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am filing thsi complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. 

I I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf.
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My service lender has been over charging me for lender forced escrow insurance payments since close of escrow. I have called and spoke to the representative but issue wasn't resolved. I called back and spoke to a supervisor and I requested a full audit on my loan, and no records were provided. I have uploaded my insurance declaration policy fully paid onto my account. The lender acknowledged receipt and I received 2 letters that states they are removing the escow insurance, but they still continue to over charge me for insurance..they have caused so much anxiety and stress for me as it's taking so much of my time.