davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (RI)

I cant believe Im having to submit yet another complaint against this awful company. Please feel free to see/reference the laundry list of other issues Ive had with National Credit Adjusters XXXX 
After making false promises and being bullied into paying an alleged debt in full ( they preyed on the knowledge that I was trying to purchase a home ), NCA has now decided to threaten me with an alleged 7 year old debt.

We opened an investigation into this alleged debt a year ago, and the debt was found to be erroneously reported and falsely reported information. The alleged debt was immediately deleted from all bureaus. They are now threatening to re-report the alleged debt if I dont pay. 
It is against the law for credit agencies to report debt they know is inaccurate, and if the dent was found to be erroneously reported it can not be re-added.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Consumer complaint received 2022-06-16
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)

My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX XXXX Date Opened XX/XX/XXXX Bal {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Bal {$0.00}.
Consumer complaint received 2022-03-06
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. (TX)

Experian : This letter is in response to your claim that XXXX XXXX verified that the account that they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

I was pitched the JetBlue credit card on a flight recently and was told the XXXX bonus miles offer was the best that JetBlue ever offered. I assumed that was true, and so I applied for the card. Now, barely one week after having the card, I see on jetblue.com that if I apply through their website that they are offering XXXX bonus miles for the card that I just applied for. It seems the marketing pitch on board was misleading.
Consumer complaint received 2018-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I was reviewing my files on my credit report and I discovered XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have never given this company permission to have access to any of my personal medical records. I never received any medical services from this company. I would like to know how any of my HIPAA Act protected information was released and I would REQUEST a copy of any signed documentation approving this release of records! 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 to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2018-12-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (VA)

I was contacted by XXXX XXXX XXXX on my mother 's phone they said that they would be submitting my debt from XXXX XXXX XXXX  to XXXX County to serve me with a court date if I did not pay. I called this company to set up a payment arrangement for {$730.00}. I completed payments on XX/XX/17. I never received a final payment statement showing the account was paid off. I have since been contacted by another collections agency for the same debt who said that they bought this debt directly from XXXX XXXX XXXX. They did not show any records of my payments. I have since tried to contact XXXX XXXX XXXX via all 3 numbers in my submitted document. One number is disconnected and the others do not ring at all. I am very upset as I do not have expendable funds. I am now paying the new company who has the debt. I googled this company and see may complaints of the same thing happening to other people. Their address I found via one complaint form is a XXXX box. This is a complete scam and I want my money back.
Consumer complaint received 2018-12-18
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 First Finance, Inc. (IL)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Frist of a  fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX and XXXX XX/XX/XXXX which was not authorized. A formal dispute of this was first provided XX/XX/XXXX and again XX/XX/XXXX both were received as confirmed by the return receipt. A credit report current as of XX/XX/XXXX still has this inquiry listed. This is a violation of my clients federal consumer rights and a violation of the FCRA.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

BANK OF AMERICA was FULLY paid, this was XXXX  i was a kid who didnt understand money, finances or banking i was only XXXX XXXX XXXX and I paid the entire bill soon as I understood what the account being overdrawn was from. IF THIS IS FRAUD OR ABUSE PROVE IT LET ME SEE THE DOCUMENTS REQUIRED BY LAW, IF NOT REMOVE IT AS I PAID BANK OF AMERICA IN FULL AND THIS IS SINCE 2018 IT HAS BEEN YEARS EITHER FOLLOW FCA RULES OR REMOVE NOW OR I WILL SUE This item has been paid years ago since 2018 and i am trying to open a business, and start my life and you are holding me back from doing that because you continue to keep this on my record but it is FULLY PAID OFF.. This is nonsense its been years since the account was opened, I demand this be removed or i will take legal action in additon, there has been no proof or correspondence explaining where all these fees came from, how they were charged and if they were correct nor who charged them. I have filed disputes and you keep ignoring them i demand this account removed from XXXX immediately without any further delay. This is absurd, harrassful and horrible to do, in addition i was treated unfairly by staff when i questioned these fees, and no one would assist me in learning the process or explaining the fees and process. YOU failed me at this level and i am demanding that the very least you remove this from XXXX XXXX today you have punished me enough I WAAS A KID who never had an account before i had no idea what i was getting my self into. if it is not removed i will go to social media, news, and take legal action and sue you! REMOVE THIS FROM XXXX XXXX RIGHT NOW
Consumer complaint received 2022-03-06
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: EQUIFAX, INC. (TX)

Equifax : This letter is in response to your claim that XXXX XXXX ( XXXX ) verified that thepayment history that they are reporting is accurate. Equifax has allowed XXXX XXXX to report a 60 day late for XX/XX/2016 which is inaccurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-06
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. (PA)

Experian and XXXX has been reporting 0 income for the last month and Ive been getting denied for GUARANTEED APPROVAL CREDIT LINES. Its Hurting me And my businesses. Theyve been Fixing the problem for months!!! The dispute was not resolved.
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

The situation is rather simple. I am attempting to sync my credit card account with the online service " XXXX   '' ( budgeting software plus a few other features ). The creditor has blocked access to said service due to " security reasons ''. The account, and the information associated with it, is mine to decide who to trust or not trust. I have the right to access my own financial information as I see fit.
Consumer complaint received 2022-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (DC)

On XX/XX/XXXX, I received a response to my initial complaint to MRS BPO LLC where they stated that they would stop contacting me regarding a debt that I did not owe and was a result of identity theft from the previous property manager of my apartment. Since that day, they continue to email and call me to collect on this knowing that this is in dispute. This is illegal and should they continue I will will contact Utah 's Attorney General and seek a criminal complaint for harassment and pursuing a federal lawsuit for their blatant violation of the FDCPA. I no longer lived at the property during the time period they are trying to collect for as my lease ended XX/XX/XXXX.
Consumer complaint received 2022-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion : This letter is in response to your recent claim that XXXX XXXX ( XXXX ) verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.
Consumer complaint received 2020-07-26
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: EQUIFAX, INC. (TX)

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$0.00}
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On XX/XX/XXXX I made a payment on my credit card of {$1100.00} to pay off the balance on my credit card. On XX/XX/XXXX another payment was withdrawn from my checking account for that same amount showing a second payment of {$1100.00}. When I noticed the error I called Union Bank about a double payment made on the credit card. I requested the extra payment of {$1100.00} be deposited to my checking account, also held with Union Bank, from which the payment was made. Instead, the customer service representative insisted it was too late to reverse the payment to my checking account and a check must be mailed. A check was never received at either of the two addresses provided and it is now XX/XX/XXXX. I have made a series of at least three phone calls to Union Bank and I keep getting nowhere. Union Bank representatives keep resending the checks, but I have never received any of the checks allegedly sent. I again suggested the amount simply be directly deposited into my checking account, which is also with Union Bank, but Union Bank refuses to do so.
Consumer complaint received 2022-03-04
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 called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (TN)

Multiple transactions being charged for overdraft fees on XX/XX/XXXX due to a payment and deposit being pulled at the same time. Deposit was under {$100.00} and should have posted overnight. It was held until the debit had posted and until the overdraft fee was processed, then I was charged a second since my deposit was not enough to cover the first fee. Records on my end indicate that money was available prior to two overdraft fees of totaling {$72.00} being posted. After overdraft fees were posted available account balance was - {$59.00}. On XX/XX/XXXX two more overdraft fees posted during my direct deposited paycheck. Had the transaction in question posted with my paycheck there would have been no problem. Funds were held and processed all at the same time, but in an order that would post a negative balance to my account of - {$1.00} prior to my paycheck posting. Called bank and they stated they will hold funds and charge fees based on transactions, not based on the actual balance of the account. So out of the four overdraft fees posted, according to their policy I would get charged {$36.00} for overdrafting, then another {$36.00} because another transaction was moving through the account, regardless if it was a credit or debit. I have no problem with this bank prior and have been a customer for over 6 years. Money was in the account, however the order that they decided to post the transactions caused it to go over so they could milk overdraft fees from me.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (PA)

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2019, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (PA)

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXX XXXX  acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.