davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management (OH)

Recently while conducting a monitor of my credit report I discovered that Keybridge has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Keybridge but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, 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 Keybridge to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that 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 percieved 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 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was charged unreasonable service fees by Capital One Credit Card Company. I made a cash advance transaction from ATM Machine in XXXX on XXXX XXXX 2017. Capital One charged me extra service fees for the same transaction in violation of the Fair Trade Act.. I was charged 3 additional amounts of {$10.00} for the same transaction.
Consumer complaint received 2020-11-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (TX)

I had several problems with DHI lender and underwriting. I was told we would close on the house XX/XX/2020. Today is XX/XX/2020 and I was told on XX/XX/2020 that my Income was too high for down payment assistance. I was lied to in XXXX and was given false disclosures. I was asked to extend my lease and also to drain my 401k to pay down credit cards. As Im writing this today Ive drained all my money living in a hotel because I was told I was closing XXXX XXXX XXXX XXXX. Dhi made it impossible for us to qualify and close on the house. I was promised a refrigerator since Dr XXXX built the wrong house on the lot that we wanted in the first place. The refrigerator was already installed in the home. Ive spent over {$2500.00} extending my lease moving into a hotel and storage fees. Again Im left without a home with no where to go. DHI never wanted to sell us the home. They discounted the house and made it impossible for a XXXX XXXX couple close on the house.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (TX)

There are several inquiries on my credit that I have no knowledge of and have been hesitant as I do not want alerts placed on my credit which is causing problems for me as I have issues accessing my credit due to previous Identity theft and unauthorized access to my report causing fraudulent activity and accounts being opened
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (CA)

The company is XXXX XXXX XXXX. 
I got a letter dated XX/XX/2020, stating that I owe them XXXX. I reported this account under identity theft and possible fraud. I had no knowledge of this account. This account might have been opened by now deceased father who has the same name. I submitted the Identity Theft Affidavdit and police reports. However they are still trying to collect on this debt.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$45.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear XXXX XXXX XXXX XXXX I trust this message finds you well. I am writing to address a pressing concern regarding my XXXX XXXX account, specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account.

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted.

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision.

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications.

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance.

2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest. 
3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history.

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust XXXX XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

The company is Transworld Systems Inc. 
I got a letter dated XX/XX/2020, stating that I owe them XXXX. I reported this account under identity theft and possible fraud. I had no knowledge of this account. This account might have been opened by now deceased father who has the same name. I submitted the Identity Theft Affidavdit and police reports. However they are still trying to collect on this debt.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have called Bank of America many times to try to get a card for my unemployment benefits multiple times. They tell me they can not help me and that I have to call the third party who is in charge of the cards. When I call this number, the recording just hangs up on me after stating no one is available to help me. There are no websites or any other available way to get in touch
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

After reading the FTC website and filing an identity theft affidavit I then mailed my dispute to XXXX and Transunion notifying them that accounts were open in my name without my permission. 

I disputed the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX
Consumer complaint received 2022-08-13
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. (GA)

This is my multiple attempt to tell you that I am a victim of identity theft and I complaint to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the not worthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX WY XXXX, IN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX Balance : {$0.00} DOE XXXX XXXX Balance : $ XXXXDOE XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-07-17
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)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX PORTFOLIO RECOV ASSOC {$1400.00} XXXX
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (TX)

Last year there was an account added to my credit report from XXXX XXXX XXXX. I have never done business what this company and dont have any debt with them. I called them directly multiple times in XX/XX/2023 at XXXX XXXX to inquire about the account they put on my credit. They refused to send me any information regarding the so called balance I owe. They could not give me a ledger, invoice or anything showing I owe them a balance. The representative was very rude and told me I would have to pay anyway even if they didnt send me proof. I then disputed the claim with Experian. They did absolutely nothing. I called Experian in XX/XX/2023 directly and the representative told me anyone can put a debt in your name and there nothing they can do about it. There is no justice!! I have multiple account I tried to get help with but Experian does nothing to investigate or atleast send documentation supporting items remaining after a dispute
Consumer complaint received 2020-11-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-09-21
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. (NJ)

I am a XXXX survivor twice and can not handle anymore stress at all! 
I am a mother of XXXX XX/XX/XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXXI filed suit under XXXX XXXX Lemon Law XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of XXXX over 24 months and payments and auto insurance. FINALLY XXXX XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am a XXXX survivor XXXX and can not handle anymore stress at all! 
I am a mother of XXXX XXXX XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXX I filed suit under XXXX XXXX XXXX XXXX XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost XXXX  in that car. It would come to a COMPLETE STOP at 60 and 55mph, XXXX XXXX   callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have XXXX cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.