davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

Please tell me who I can contact to pursue XXXX XXXX health group legally. I have been going to this office for years and I have always had my wellness visit covered at XXXX XXXX. My last visit I did not see my normal doctor I saw his nurse practitioner who instead of billing my wellness visit as such she decided to bill it as excessive bleeding which I did not have excessive bleeding at all. I just went in for my normal ob/gyn visit. The nurse practitioner asked me why I still had my monthly cycle at my age and I told her that I guess it is not my time for it to stop. She suggested an ultrasound and I asked why when My doctor already ran all pertinent test XXXX years ago and everything was okay she said it was just to be safe. She never told me it would not be covered and no one from their office ever told me it would not be covered or billed as my wellness visit. Months go by and I get something on my credit from an agency trying to collect on a medical bill that I was not aware of I contacted The billing dept at XXXX XXXX XXXX and they apologized and told me it was an error. They even sent me emails showing this was to be removed from the agency and reviled as my wellness visit. XXXX XXXX XXXX handles their billing and refused to adhere to the doctors request and the billing teams request to remove this from my credit report and bill it correctly. They are in violation and I have the emails to prove it.
Consumer complaint received 2020-10-17
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. (VA)

Hello, XXXX is reporting inaccurate information on my credit report with Experian. XXXX  and XXXX  is reporting exceptional payment for my account history. XXXX is reporting with Experian negative payment history for the following accounts : date open XX/XX/XXXX, balance $ XXXX-Current was past due 150 days. The second account date open XX/XX/XXXX, balance {$7300.00} and is reporting as Current was past due 150 days. The third account date open is XX/XX/XXXX and the balance as {$2100.00} and is reporting as Current-was past due 150 days. Im requesting to have the information reported correctly with Experian as exceptional payment history. The way that the account are reporting with this credit bureau is incorrect and is hurting my credit score. Thank you.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America sold my loan to XXXX XXXX. I am closing escrow on that property, and I am unable to get my payoff amount from either party, and have been told it could be weeks until that information is available for me. I am in financial straights and need to be able to access my loan payoff amount to close escrow.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Back in 2006 I filed bankruptcy. The hearing judge took it back to court and reversed it. I have been to the county clerk and the federal office on bankruptcy. neither show it. Now I have contacted them several times in the last6 years. Equifax is yet to remove it. I also have inquiries on my report I did not authorize and they told me they could do nothing about it.
Consumer complaint received 2017-02-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants' Credit Guide Company (IL)

XXXX did not submit my claim in a timely fashion to XXXX XXXX XXXX XXXX ... .they later sold my account sending ALL OF MY MEDICAL INFORMATION ... everything I was treated for WHICH IS CLEARLY A VIOLATION OF HIPAA LAWS WHICH clearly states that my individual and identifiable health information should be private UNLESS I GIVE PERMISSION to release ... I DID NOT GIVE PERMISSION ... AND THERE IS NO SIGNED CONSENT TO RELEASE MY INFORMATION
Consumer complaint received 2015-10-27
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

Recently rush card had an outage or system update I 'm not sure really, but I did n't notice until I noticed that money was drastically taken off my card without my approval. I have tried contacting them numerous times but the only thing I was getting was a pick up and hang up.which was very odd. That 's when I got online to see if maybe there was another phone number available and seen that there were so many complaints, and so I happened to come across the consumer financials phone number. All I want is my money back as soon as possible. I have XXXX kids and I 'm a single parent and every penny I work for I DONT approve of it just being tooken away I mean who would? ... ..
Consumer complaint received 2023-03-17
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. (KS)

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX ac # XXXX XXXX XXXX XXXX  ac # XXXX XXXX XXXX XXXX  ac # XXXX Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena.

2. In accordance with the written instructions of the consumer.

3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; Use of Consumer Reports for Employment Purposes Section 604 ( b ) ; 15 U.S.C. 1681b ( b ) Section 604 ( b ) has specific requirements for persons, such as financial institutions, that obtain consumer reports of its employees or prospective employees prior to, and/or during, the term of employment. The FCRA generally requires the written permission of the consumer to procure a consumer report for employment purposes. Moreover, the person must provide to the consumer in writing a clear and conspicuous disclosure that it may obtain a consumer report for employment purposes prior to procuring a report.

Prior to taking any adverse action involving employment that is based in whole or in part on the consumer report, the user generally must provide to the consumer :
Consumer complaint received 2016-02-17
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Delta Management Associates, Inc. (OH)

XXXX from Delta Management calls my family and place of employment- Does not call me- stating that he is issuing a warrant on me. He calls and requests information from my place of employment without stating a reason. He has shared my ss # with people he has talked to. I spoke with him once on the phone at my plae of employment. He requested information from me and wanted to " verify '' who I was without telling me who he was or why so I did not share any information with him.
Consumer complaint received 2023-03-17
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. (WI)

After reviewing my credit report I inform you that I am NOT responsible for listed accounts as I have been a victim of Identity theft. 

I have already notified both my local police department and the federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please delete the following accounts from my credit report immediately! 

XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Regards, XXXX XXXX XXXX ( Agent/Beneficiary ) Without Prejudice, All natural Inalienable Rights Reserved
Consumer complaint received 2022-02-08
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)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES and or bankruptcy from my credit report immediately.
Consumer complaint received 2016-06-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

Hello, I opened my CitiGold checking account with a promotional code to receive XXXX Thank You points and now am being told I wo n't receive them. I have been told by multiple citi agents via chat and phone that I did in fact sign up the correct way, completed the required 2 bill pays and would receive the points within 90 days ( XX/XX/XXXX ). Since then I have only been billed the $ XXXX monthly maintenance fee and received no points. One agent refunded my first {$30.00} fee and even promised me an additional XXXX points for the troubles. He then sent this information to what they refer to as " research '' and research denies it telling me I wont be getting anything because they do n't feel that I should. This is a scam and awful that they are doing this to people.
Consumer complaint received 2020-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MT)

I have been attempting to make principal reduction payments with GM Financial so that I can pay off my loan early and lessen the amount of interest I pay. There is no option to make a principal reduction when logged into my account online. I messaged a customer service associate for help and they told me to just make the payment and message them to apply it to principal. When I then did so they said they would apply to principal but could not provide me a confirmation. I asked how I could verify this and they it would appear on my statement. There is no statement available later than XXXX in my account online and when I view payment history there is no breakdown. Every time I try to follow up with customer service they do not answer my question and when I clarify my question they stop responding. I then tried to submit a complaint on this issues on the GM Financial website and it gave me a message that said my complaint could not be submitted and to call customer service. The problem here is that their customer service will not answer the phone. As a consumer I am entitled to transparency with my account, verification of how my payments are being applied, and account balances including principal and interest amounts, which I am not receiving any of.
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Brookshaw Management, LLC (WA)

I received a call from a restricted telephone number with the caller identifying themselves as XXXX XXXX. He stated that he was calling about a pending claim with my name and would be showing up at my listed address if I failed to call XXXX with pending claim # XXXX. They did not state what the claim was about or who I was calling at the given number.
Consumer complaint received 2015-11-02
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (MD)

I had a student loan back in 2002, was finally paid off this summer and now I get a statement from citibank/XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that Citibank/XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called XXXX XXXX XXXX XXXX XXXX , XXXX . Their infomation is- XXXX XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX . XXXX XXXX, MD XXXX XXXX thank you in advance for any help you can lend to me.
Consumer complaint received 2023-03-17
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 contacted XXXX XXXX XXXX and advised them that they are violating my federally protected consumer rights by not providing me with the correct form to opt out of credit reporting. I have advised them several times that this is a violation of the privacy act. Also, this is a form of identity theft since I did not authorize them to report private information to a third party entity. XXXX XXXX XXXX has not asked for my consent verbally nor written to report such transactions to the credit reporting agencies.
Consumer complaint received 2016-09-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WESTERN UNION COMPANY, THE (VA)

On Thursday, XX/XX/2016 I made money transfer in the amount of {$500.00} through the Western Union wire. For some reason, the wire was placed on hold but the funds were still removed from my account. When the receiver when to pick up the funds from Western Union, they were told I needed to provide identification via facsimile. I felt this was a phishing expedition as I have never had to do this before using their services and sending it to this receiver. Each time I call Western Union to cancel, I am told I need to provide documentation or identification, I informed my bank and they are dumbfounded suggesting that I work with Western Union. Western Union is indicating this is a government requirement to have the sender to provide identification, the MTCN # is XXXX. There is a huge language barrier from each individual that I speak with regarding this matter.
Consumer complaint received 2023-03-17
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

In XXXX I was issued a final bill and paid the balance of $ XXXX dollars in a money order to the complex within the 30 days as required. I then began to receive nonstop phone calls from a collection agency, XXXX XXXX XXXX, stating I owed them a balance. This was the same dollar amount and description as the unpaid balance left with the apartment complex. <P/>After going back and forth with XXXX XXXX at The XXXX at XXXX and XXXX XXXX with XXXX XXXX XXXX I was assured this would NOT be reported and it was an error on the apartments that was now under new management. ( Please see the attached email thread ). <P/>It is now over three months since I 've contacted and tried to resolve this issue, and unfortunately this matter has still not been resolved. This was posted on my credit report a week before The XXXX at XXXX forwarded me the email thread between them, XXXX XXXX XXXX and XXXX XXXX XXXX ( please see the attached email ), and it has still not yet been removed off my credit report. I 'm demanding this be taken care of, seeing that this was not my error. The balance was paid in full and I request an immediate removal of this debt off my credit report.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Collection Service, Inc. (OR)

I have an account that is placed in collections for a medical bill, I have no way to get a hold of the company where this is from due to not receiving any bills from this at my add. I do n't know when this bill was applied since I have n't been at a hospital in a long time, I have n't had any emergencies occur. I 'm also not able to place a dispute as my XXXX does n't let me it says I need a account number that I do n't have, please help me out. Thank you
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian is reporting my Personal Information inaccurately, and I demand it be corrected immediately. Delete these Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is not 100 percent accurate and must be deleted. 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 person knows or has reasonable cause to believe that the information is inaccurate. This is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) and Experian does not have my consent to share my personal information with anyone or any corporation. This is a violation of my right to privacy, 15 U.S. Code 1681b. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Says that a person shall not furnish any information relating to a consumer to any CRA if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I am a Veteran, I purchased a home in XXXX Texas. Wells Fargo held the loan. After 7 years of on time payments. I was unemployed. I was entered into a Wells Fargo Loan Modification program. Within 3 months, I was in Forclosure.
Consumer complaint received 2023-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solutions - XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Incorrectly reported what it seems to be a medical bill from XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. I have tried numerous times to have the collection removed from both credit agencies. They have admitted this debt belongs to someone else. They are requesting a copy of my credit report. I have a problem providing that information to them, and I do n't feel comfortable sharing so much confidential and private information. They claimed it is my responsibility to prove they made a mistake. I am willing to share a portion of my SS # and a copy of my XXXX.