davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (MN)

Between XXXX of 2018 and XX/XX/2018 I accrued a number of medical charges due to XXXX XXXX, a XXXX XXXX, a hospitalization, and a serious illness. 

XXXX XXXX I had both Medicare/Medicaid and employee XXXX.All of my bills were paid and deductable settled.When I ended XXXX XXXX, my co-pays were minimal. 

It took a great deal of effort on my part because both insurance entities were making error after error. It was really appalling. However, I finally documented that everything was paid. I got an email from XXXX XXXX XXXX saying my balance was XXXX. 

I got a phone call from Diversified a collection agency. They said this account was placed with them. I explained that it was paid and the rep said just wait a bit, it will drop off. 

I received two letters in XXXX from them. Both cite almost exactly the same amount owed, so two bills for over {$5000.00} total. Enclosed with each letter, I suppose as an attempt to document this claim, was a single sheet of paper with four collumns : entity name, amount, fees, total. 

There are just sums listed. No dates of service, no doctors names or procedure codes, nothing. These bills have been paid. I dont need to deal with this because its not owed. 

Further, they have not supplied legitimate documentation. I have hundreds of bills and lists of charges. How do i know what these sums represent. 

Please, please help. 

Thank you, XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diaz & Associates, Inc. (TX)

XX/XX/XXXX, I received an alert on my credit report of a collection company, when I view my credit this company DIAZ & Associates have placed a payday collections in the amount of {$800.00} from some company named XXXX. Monday, XX/XX/XXXX I received a letter in my mail from DIAZ & Associates, acct # XXXX-XXXX, file # XXXX stating that I owe a payday loan to which I know I never did. So attempted to call this company at XXXX-XXXX-XXXX to ask information about this letter, the person transferred me to the manager XXXX. I asked him what was this and when was this acct generated. XXXX gave me the date of XX/XX/XXXX and I asked him did he have paper work with my signature, copy of my id, of how was this acct generated. XXXX told me he didn't have that information and could not give me the facts of how this acct was opened. But I told him that DIAZ & Associates was the ones that put it on my credit and XXXX said yes they did. XXXX stated that he would give me the number to this XXXX but then said he didn't have it but got really bothered when he felted as if I was being rude. But I told him I have a police report from being an Idenity theft person, he said it was to old. I stated how would you put things on peoples credit and not have all the correct information they are needing. I used a curse word and hung up on him.
Consumer complaint received 2021-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

their customer service would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of unauthorized inquires and explained the situation in detail and they ( transunion ) told me I was in fact not a victim.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2019-04-26
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. (VA)

The major three credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major  reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX XXXX {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX XXXX XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXXt {$500.00} ) account 7 ( XXXX XXXX   {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX {$7300.00} ), account 10 ( XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

Call chase on XX/XX/XXXX in to XX/XX/XXXX. Account locked and no one can tell me why but to call back at a later time, while my account is locked and I was placed on hold for 15 min until the operator waited for the appropriate department to close. Now I have not access to my bank on line account
Consumer complaint received 2019-04-26
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. (AK)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ;
Consumer complaint received 2019-04-26
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. (VA)

The major three credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX Bank {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX Sec XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXX {$500.00} ) account 7 ( XXXX XXXX   {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX {$7300.00} ), account 10 XXXX XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

I enrolled in a promotion with Citibank. I upheld my part of the bargain, but they have not upheld theirs. They are refusing to credit me XXXX XXXX XXXX miles I am due for participating in this promotion. See attached letter, it explain everything, as well as supporting documents.
Consumer complaint received 2023-07-06
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. (NJ)

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX  XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

This is another problem with Experian, separate from the one I reported recently. After having problems with the company, I requested a printed credit report and received one from Experian with an error in it. An XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX does not belong to me. I have never lived there or owned property there. 

Printed on the report from Experian is listed a phone number to call if the information on the report is incorrect : XXXX. 

On the morning of XX/XX/22, I made several attempts to call this number to correct the address error. The call went to a recording with XXXXwo options : 1 ) to select a freeze or fraud alert or 2 ) to get a credit score or credit report. Neither option is what I needed and no other options were available. The recording repeated several times with only these two options and then disconnected. There was no option to report errors or to speak to a live human being. 

I also called two other Experian phone numbers that I'd used in the past when I had were problems with their company : XXXX and XXXX. Both directed to the same recorded message with the same two options. 

I want the XXXX address removed from my credit report immediately and a corrected credit report mailed to me.
Consumer complaint received 2023-07-06
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. (CA)

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, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

I have contacted Navient on XX/XX/XXXX And advised of my refusal to pay the private loan debt according to my rights under the Fair Trade Commission 805 : c. I have requested that communication cease amongst myself, co-signer and other acquaintances. Since my request I have been unlawfully contacted by Navient on XX/XX/XXXX and XX/XX/XXXX. My rights are being violated by Navient once again. Please have Navient cease all contact according to ftc.gov code 805 : c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2023-07-06
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)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

On XX/XX/2017, this debt for {$80.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allgate Financial, LLC (GA)

On XX/XX/2017, this debt for {$390.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/2017, this debt for {$520.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (NV)

I have been trying for several years to get this item removed from my credit report. I have contacted the credit bureaus and the creditor to get this item removed. Back in 2013 I was a victim of identity theft and I informed both the credit bureaus and creditor of this matter. I need this item removed immediately as It has been hindering me from moving forward with other financial matters
Consumer complaint received 2019-09-22
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)

Was denied a credit card because Experian has my credit score as " XXXX  '' - XXXX/XXXX has my score at XXXX - excellent. Additionally, Experian has listed as reasons for denial : 1 ) Lack of sufficient credit history on background - NOT TRUE - have had credit accounts since the late XXXX 2 )  Balances relative to credit limits reported on revolving accounts - NOT TRUE - I have a XXXX balance on one credit card and a low balance on 2 other accounts ( < $ XXXX ) 3 ) Number of auto trades - NOT TRUE - I have never " traded autos '' in my life 4 ) Delinquency reported on accounts - NOT TRUE - I have never had a delinquency - not once, not ever.

5 ) Number of inquiries - NOT TRUE - Transunion/Equifax report inquiry number as " XXXX '' - zero Had to waste 2 hours trying to find the real number to speak to a human being at Experian. When I finally received the number, rep was combative and unhelpful. 
How/why is this company allowed to influence decisions on credit, rates, etc., when they are grossly incompetent and indifferent? This is costing people time and money and no one seems to care.