davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

Yes, I have called you guys multiples of time regarding my fraud transactions and you guys told me that you guys would remove those XXXX fraud transaction with the card ending in XXXX, and it's still on my statement, what the deal??? the transaction are as follows : 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 Im tired of contacting you guys and requesting for the same thing over and over.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2020-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

Medical procedure was done at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I paid the copay ( {$95.00} ) the medical center said I owed before the procedure. Afterward, I received a bill from the medical center for {$890.00}, though my medical insurance claim showed I owed nothing. It looks as if the medical center didn't get the required preauthorization. I called the insurance company and the medical center. I sent a notice to the medical center with a copy of their bill, explaining. They turned it over to collections. I sent a letter to the first collection agency ( XXXX , XXXX ) on XX/XX/XXXX, with copies of all pertinent information. Six months have passed and now I'm receiving a collection letter from a different collection agency ( Capio Partners , LLC ). So I'm writing a letter to them disputing the bill with copies of all pertinent information. How do I make this stop?
Consumer complaint received 2024-02-29
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX has been reaching out to myself several times every hour of the day even on weekends. I had resolves the problem last Wednesday XX/XX/XXXX but am still receiving back to back phone calls. I have also had several people I am not even in contact with say they've received a call regarding the situation and that they stated it was to collect a debt ( which I thought was against the law ). Also not quite sure how or why the people that were contacted were reached out to, as they have no relevance to me or the situation. I had also received messages stating that the situation would go to an attorney if it was not resolved immediately.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (HI)

XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX Virginia. 
The property was infested with Rats, Roaches and Mice. 
The parking garage had cars set on fire nightly. 
2 women were XXXX in the parking garage. 
XXXX presented to me that the property was safe and clean. 
I stayed in the property from XX/XX/2018 and vacated by XX/XX/2018 I reported these issues to the leasing department Several times. They did nothing about it. 
Rats ran in the hallways, it was a horror story. 
I paid my rent and paid for the month of XXXX as advised by the leasing manager. He advised they would keep my security deposit and he would call the situation a wash.

The Manager lied to me and did not report my payment for XXXX. 
XXXX XXXX was the owner but they sold the building in XXXX to a company XXXX. 
Both XXXX and XXXX XXXXl have no record of my holding a dept as XXXX XXXX no longer owns the building. 

A debt collection company Fair Collections Outsourcing is fraudulently reporting to the credit bureaus that I owe this debt and I do not. I have never been contacted by Fair Collections via phone or in writing is falsely reporting that XXXX XXXXXXXX  still hold the debt and they do not. XXXX does not know who I am and does not have a record of my holding a debt. 

I was a XXXX resident at that time. 

Please assist me. These people are ruining my life with false reports on my credit report
Consumer complaint received 2018-12-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with XXXX, EQUIFAX & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2023-03-27
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: CLGF Holdco 1, LLC (AR)

My XXXX XXXX account sent emails asking about my new card. I did not apply for a new " XXXX '' credit card, nor heard of it. I called the card company and the account opened was under my ss # on XXXX. The card company closed the account and are doing an investigation for fraud. No charges were made using the card as per indigo. They recommended I file an official complaint and said the will mail me verification of closed account. They were very nice and helpful.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

I have a credit reporting account with a company called XXXX that is now called Experian and some how I am not able to cancel the account with them anymore. The only way to cancel is through a call in number that no one attends even after stay on call for more than 15/20 mins. This is a scam and does not seem like the agency has any intent of canceling the accounts once enrolled.And they charge my bank account every month without any issues.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to urgently request the removal of fraudulent accounts from my credit report. These accounts were confirmed as fraudulent by the associated banks over the phone, as a result of proven identity theft. The banks have assured me that they will promptly remove these accounts from reporting. Failure to do so would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

I have sent HMC GROUP letters on XX/XX/2020, in which they didn't response, and recently on XX/XX/2020 about 3 different alleged debt of XXXX, and XXXX $ that are not mine.I mailed them off certified mail/return receipt for my record.This is stressing me out and causing me from accessing a house with the negative items on my report.I have attached copies below of the letters that i sent.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (FL)

I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
/ :. XXXX ACCOUNT NO : XXXX / :. XXXX ACCOUNT NO : XXXX / :. XXXX XXXX ACCOUNT NO : XXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.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 cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-23
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. (MA)

On XX/XX/XXXX, I sent a certified letter to Experian and XXXX to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Io, Inc. (DE)

XXXX XXXX is showing on my credit a collection in which I do not owe. I cancelled my insurance before the renewal when I was told my insurance would double due to an accident. I paid the account in full at the end of term.
Consumer complaint received 2019-03-22
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. (MO)

I'm disputing this account ( 1 ) XXXX XXXX XXXX  and asking that it be blocked from my credit report due to the fact it is not mines. I have been a victim and now my credit has been compromised. If you the reporting agency can not show physical certified documentation of such then as stated within the FCRA this account shall be blocked and permanently removed from my account. I do not have nor have I ever had an contact with XXXX XXXX XXXX, and if this company purchased such debt from an unknown and unauthorized creditor then that contract shall automatically become void. No debt owed. But in this instant matter either account is mines no way. So I'm demanding that this account be blocked immediately and permanently from my records. Section 609 & 611 can be applied to this. However, I also would like the credit agencies detailed Method Of Verification in the handling of this account. Who did your company communicate with, what was their title, what day and time did this take place, and what certified documents were presented and when was the consumer given the opportunity to verify this. Please either provide in detail or block this account.
Consumer complaint received 2018-12-10
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: Experian Information Solutions Inc. (AZ)

Experian failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (IN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-07-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

New Information Pertaining to complaint # XXXX I am enclosing the information responding to the violations to my consumer report and the laws that have be broken I request that the CFPB review the forms and hold Ally financial liable for the laws broken as pursuant to FDCPA & FCRA. Forms are attached for review. I would like to know the method of verification once a decision is made as not to close my dispute without a agreed upon result.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my serious concern and frustration regarding the delay in correcting late open accounts associated with my profile. Despite my repeated attempts and communications with your institution, these accounts have not been corrected in a timely manner, which is causing me significant inconvenience and impacting my financial standing. 

The late open accounts on my profile were brought to my attention recently, and I immediately took action to rectify the situation. I followed the procedures outlined by your institution to address this issue promptly. However, despite my efforts, there has been a delay in the correction of these accounts, and they continue to adversely affect my creditworthiness and financial reputation. 

I understand the importance of accurate and up-to-date information on my credit report, and I am deeply concerned about the negative impact that these late open accounts are having on my financial well-being. It is imperative that these accounts are corrected as soon as possible to prevent any further damage to my credit profile and financial standing. 

I urge you to prioritize the correction of these late open accounts and expedite the resolution process. I request transparent communication regarding the steps being taken to address this issue and regular updates on the progress made towards correcting these accounts. 

Furthermore, I expect measures to be implemented to prevent similar delays and errors from occurring in the future. As a valued customer, I deserve prompt and efficient resolution of issues affecting my financial health. 

Please treat this matter with the urgency it deserves, and take immediate action to correct the late open accounts on my profile. I am asking for your assisstance to correct these accounts XXXX my credit file : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00}.
Consumer complaint received 2022-06-14
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. (CA)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Centron Services (CA)

I have been receiving phone calls who are trying to harass me over the phone. They have been asking me that I have to pay some amount to someone in Montana. I thought it was a wrong number but I have received a letter today asking me to pay {$74.00} to Creditor : XXXX XXXX XXXX - XXXX MT. 
I really dont understand who they are and why are they harassing me. This is ridiculous and Im tired of their constant nagging. Please help!
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I purchased a car in XX/XX/XXXX. I received a loan with Capital One Auto Finance. I paid off the car in full, early, in XX/XX/XXXX. I received the vehicles title and later sold the vehicle. In XX/XX/XXXX I found that Capital One Auto Finance reported to my credit report that the loan was late and I owed an outstanding balance of {$27.00}. I contacted The company and they agreed they made an error. They promised to remove this negative item from my credit report. Instead of removing it they found it as a charge off. Which affects my credit report. This information is incorrect it was added over a year later after they receive full payment.
Consumer complaint received 2019-03-22
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 — Investigation took more than 30 days
Company: World Omni Financial Corp. (GA)

I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I contacted XXXX XXXX and Navy Federal on XX/XX/XXXX  because they reported my payment had been late up to 60 days, I asked them from proof of this payment history which they could not provide. This is negatively affect my credit score.