davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (NM)

I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00},, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. 
Post previous complaint, I received a letter from USBC on XX/XX/XXXX noting that the Acc # XXXX XXXX had been requested for removal from my 3 credit bureaus in which it has been removed. However once again, they sent me HIPPA violating information ( attached letters ) for the accounts listed as follows : Act # XXXX {$510.00}, Act # XXXX {$10.00}, Act # XXXX {$40.00}. In addition, the accounts listed as Act # XXXX {$34.00}, Act # XXXX {$25.00}, Act # XXXX {$15.00} have yet to be verified. As such, I would need them to delete all information of these balances from their collection agency, remove any further action of reporting to the 3 credit bureaus, and cease all contact for the above noted accounts. 
*All documentation supporting previous complaint can be accessed from complaint IDXXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (UT)

XXXX XXXX XXXX is reporting a charge off on my credit report. They went out of business and filed bankruptcy. I received a notice sometime ago that they closed all their accounts and ceased collection of them. When I tried to mail payments they were all returned. They have no way to continue paying them yet they keep reporting!
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

XX/XX/21 XXXX XXXX XXXX, XXXX appraised my house at {$800000.00}, At that time they should have automatically removed PMI since they were aware that my XXXX was less that 80 % and my equity was well over 20 %. I just came out of forebarance and they used 3 months as a waiting time for a now loan with a reduced rate from 4.375 % to a modified rate of XXXX XXXX to 3 % the going rate, and removal of PMI. Please check their figures saying I need to send them {$100000.00} to end PMI. There is a lot more to this. Please call XXXX XXXX XXXX XXXX for more information to start this case. 
address is XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (VA)

When I opened my account with M & T bank, I did so online. I opened an account with them after receiving a mailer stating that customers would receive a {$250.00} bonus 90 days after opening an account as long as they had a direct deposit linked to the account. I applied for my account online using the special code " QC '' or " QD '' can't remember which. I even entered the code in the promo code box. My direct deposit started on XX/XX/XXXX and the account was opened XX/XX/XXXX. As of this date, I have not received my {$250.00} bonus.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (CA)

Barclay 's bank has on a continuous basis called me when I have requested them to send statements and they have not. They call before XXXX and when I make a payment over the phone, it does not get recorded and they call again the next day. I have on several occasions told them not to call me after XXXX which they continued to do. Also I am never late on payments but they don't record automated payments timely and then mark me late on my credit report. For example I called Barclatys on XX/XX/2018 to pay off my account and gave them full information on the automated line and got confirmation. Looked at my credit report today XX/XX/XXXX and they marked me late again so I called and made a full payment of {$1600.00} again and my confirmation number is XXXX. This has happened over and over again with Barclays and they continue to charge late fees, report me late on my credit but in fact there automated system has a flaw. I need my credit report updated to no late payments as I have continuously made payments and now my account is paid off..never want to deal with them again. This is absolutely ridiculous.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I received a letter that I owed XXXX XXXX XXXX for unpaid debt. XXXX years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX XXXX XXXX XXXX. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I have no idea who DCI is since they have NEVER attempted to collect on this debt by, mail, email, or phone call. They have sent a collection to the credit bureaus without allowing me to properly validate the alleged debt. Also XXXX has sold this alleged debt 3 times because they have been unable to properly validate this debt belongs to be ... it 's been almost a year and they still keep trying to get me to pay on a bill that does n't belong to me. I have NEVER entered into contract with DCI or XXXX, and they both or supplying false information on me. This debt that does not belong to me is causing hardship in my life right now!
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (FL)

inquires I didn't not authorized. 

XXXX XXXX XXXX  XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22
Consumer complaint received 2022-03-03
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. (MO)

I'm a federally protected consumer and my rights as a consumer have been violated by XXXX, XXXX, and Experian. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in XXXX, XXXX, or Experian best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If XXXX, XXXX, or Experian actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines XXXX, XXXX, and Experian as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Due to the XXXX data breach there are accounts on my credit report that do not belong to me. Please see my previous complaint # XXXX XXXX in which it was found that XXXX was deleted from my XXXX credit file XXXX This account is still reporting on my Experian and XXXX reports. Since this account does not belong to me I kindly request it be removed from these reports as well. It should also be noted that this fraudulet accout appears twice on my credit reports, I am asking that they both be removed as they do not belong to me.
Consumer complaint received 2022-03-03
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. (MO)

I'm a federally protected consumer and my rights as a consumer have been violated by XXXX, Equifax, and XXXX. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in XXXX, Equifax, or XXXX best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If XXXX, Equifax, or XXXX actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines XXXX, Equifax, and XXXX as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.
Consumer complaint received 2022-03-03
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. (FL)

I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from Experian, XXXX, and XXXX on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

Experian account : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account inquires : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account inquires : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I reached out to the three credit bureaus and asked for method of verification for a Bankruptcy. They informed me that they got their information from the Bankruptcy court. I reached out to the bankruptcy court and they informed me by letter that they are not responsible for verifying or validating information from consumers credit files.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXXXXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TN)

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received.

Recent delenquency was reason for denial
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I purchased a new vehicle on  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my  XXXX   XXXX  which was Financed with  XXXX   XXXX   XXXX ,  XXXX   XXXX  obtained a 10 day payoff in order to send   XXXX   the correct amount owed. I started receiving collection calls from   XXXX    around  XXXX   XXXX  asking for payment from me I stated that I traded the vehicle in on  XXXX   XXXX  and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with Experian but they did not remove it. The Dealership overnighted the payoff check on  XXXX   XXXX  and now my credit suffers because of it.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Today I checked my credit report and I seen fraudulent inquiries and inaccurate addresses that I want removed from Experian such as XXXX XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, And XXXX XX/XX/XXXXXXXX XXXX XXXX there are also two addresses reporting to Experian that I have never lied or have no connection to, that I would like to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX and have updated to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2016-08-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This complaint is against Bank of America in North Carolina. My father died on XXXX/XXXX/16. I am the executor of the estate. The court in NC is requesting the balance in his bank account on the day he died. Sometime in XXXX I called BOA. I was told I could pick that info up at any branch. I told them they closed all the branches in XXXX XXXX, and the closest branch is a half hour away, and could they just mail it to me. They said yes, I should get it in a week. I had not received it after 2 weeks, so I went to the XXXX XXXX branch. I was told I would receive the info within the week. About a week later I received a letter stating " An authorization/instruction letter is required in order to process the request ''. I called the number to see exactly what they wanted. BOA said they must have the request in writing. On XXXX XXXX, 2016 I went to the XXXX branch. The associate there was very helpful.She faxed all the info requested by BOA, including the death certificate and letter of testamentary, which they already have on file. She called the Estate department to make sure they got everything. They did. As of today, XXXX/XXXX/2016, I have received nothing. I can not close the estate without this document from BOA stating the amount in dad 's account on the day of his death. It seams to be the estate department refusing to cooperate. I will appreciate any assistance you can give me in this matter. XXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Cease and desist ANY and ALL claims you claim you have on me under15 U.S.C. 1692cc and 15U.S.C.1692 e { XXXX } cease communications of ALL collection and debt information that you have, to any body or company other than my self by mail only this is an official notices
Consumer complaint received 2022-09-07
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: Cascade CISS Holdings, LLC (GA)

XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XACTUS XXXXXXXX XACTUS XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XACTUS-AVANTUS XXXXXXXX XACTUS-CP XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXXXXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT. 
SECONDLY, I DID NOT AUTHORIZE XACTUS OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.
Consumer complaint received 2022-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

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 XXXXS XXXX XXXX XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXXXXXX XXXX, OR CAPITAL ONE AUTO FINANCE. THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT.

SECONDLY, I DID NOT AUTHORIZE XXXX  OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.