davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mid-South Adjustment Co., Inc. (AR)

Mid South Adjustment XX/XX/XXXX I received a call telling me that I needed to pay 33 % or my debt to avoid further action of debt collection. She statedy last payment was XX/XX/XXXX of {$10.00} and I asked if she realized it was still XXXX. She said yes. I needed to make a payment of that 33 % and set up a payment arrangement to avoid action. I told her she can not accept money from me and take action until she declines it and to have a nice day. The have never called me until my balance hit {$100.00}. 
My payments are as follows. Two accounts. 
Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$18.00} = {$95.00} - XX/XX/XXXX - {$10.00} = {$85.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} = {$55.00} Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} The company does not provide receipts, statements, or new bills. I called and asked. I was told to keep up with it until the balance was paid in full. This was XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (MD)

Received a letter in the mail on XX/XX/XXXX stating I repay a debt to XXXX in the amount of {$1700.00}. I have never opened an account with XXXX  and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.
Consumer complaint received 2020-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear XXXX, XXXX XX/XX/2020 Wire transfer from XXXX XXXX XXXX GA- Depositor ( Business partner ) in the amount of ( {$150000.00} ) was deposited to my above account, BOA place a hold and eventually notify me of closure of my account.Since then i have been calling and visiting my branch to get my balance left in the account with different stories every time.

According to the sender, he went to his bank almost every week since the above date and they told him it has been credited to Bank of America ( my account stated above. I have visited my branch time without numbers with no positive result. 

I have called time without number with no result and all they keep saying is they're waiting on somebody higher up from BOA to release my money.This has not only delay my business but has brought it to stand still. 

I would appreciate it if you send me a cashier 's check at the soonest time to my business address on file for the total amount balance in my account minus any bank charges applicable. 

I appreciate your quick response.Thank you very much. 

N : B : i have the receipt of the transaction with me and will be ready to provide that upon request, thanks Sincerely Yours
Consumer complaint received 2020-10-06
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: Bread Financial Holdings, Inc. (FL)

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Consumer complaint received 2022-04-02
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. (NC)

I have a hard inquiry on my credit report from XXXX XXXX when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-01
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: CAINE & WEINER COMPANY, INC. (IL)

This is a NEW Complaint filed on XX/XX/2021. 

I have since sent in a Validation of debt letter to the following Company : CAINE & WEINER COMPANY , INC, The information provided was unresponsive to my demands. I demanded proof that I XXXX XXXX owe you CAINE & WEINER COMPANY, INC money, the response I was given via Mail/CFPB responses is not proof that I owe you money. In fact the company name : CAINE & WEINER COMPANY, INC is not even mentioned once on any of the paper work provided. Furthermore, Please provide PROOF OF this alleged item ... Specifically the Contract, Note or other instrument bearing my SIGNATURE, before continuing any collection activities on the account!
Consumer complaint received 2021-09-13
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. 

It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2020-10-19
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)

I have not go a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Good Day, There has been opened fraudelent checking accounts under my name which resulted on my XXXX XXXX report to become XXXX 1 ) XXXX- Checking account 2 ) XXXX XXXX- Checking account 3 ) XXXX XXXX XXXX- Checking Account 4 ) XXXX XXXX - Checking Account 5 ) XXXX XXXX- Checking Account
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-02-25
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: JPMORGAN CHASE & CO. (KY)

Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.
Consumer complaint received 2018-06-21
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: LEXISNEXIS (GA)

I have reached out via certified mail to LexisNexis on XX/XX/XXXX and XX/XX/XXXX to dispute that the Bankruptcy Courts for Georgia do not report bankruptcies to credit reporting agencies. I provided a letter from the United States Bankruptcy Court Northern District of Georgia stating this fact.

I have requested that this information be removed from the LexisNexis report that has a bankruptcy showing. I have not receive any response to either of the letters after giving LexisNexis 30 days to investigate after sending each letter. 

If need, I can provide copies of the letters I sent to LexisNexis, the delivery confirmation of the certified letters and a copy of the letter from the United States Bankruptcy Court stating that they do not report bankruptcies to the credit bureaus.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-06-21
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. (VA)

Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit report.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have sent numerous dispute letters to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. Equifax has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/XXXX I was sue by XXXX XXXX XXXX for a credit card. The judgement was ruled in their favor, I contacted the company after I received my documentation from the judge to set up payments at what I could afford. The phone calls started XX/XX/XXXX - was informed they did not have the paperwork from the judge and to call back in two weeks. I attempted these phone calls again on XX/XX/XXXX and XX/XX/XXXX and was still told the same thing. I informed them that I would be going on maternity leave and would call back in XXXX to set the payments up. On XX/XX/XXXX, I called XXXX and learned they were charging me a 6 % interest that I was not aware of by anyone or have any type of documentations stating that I would be charged this interest. Contacted the judges office in which they stated the amount on my paperwork from them is what I am to pay back. I went back and fourth with this company from XX/XX/XXXX to XX/XX/XXXX in regards to the interest. They refused to allow me to speak to their legal time, told me I could e-mail them. I e-mail the address they provided and got an e-mail back this e-mail stated that I can not e-mail them because I am not apart of their approved group. I called XXXX again on XX/XX/XXXX to inform them of this e-mail and kept going back and fourth, spoke to manager by the name of XXXX XXXX to which she would not listen to anything I had to tell her, but said she would contact the legal department. On XX/XX/XXXX I spoke to XXXX again and she stated they are putting my account at the judgement amount. I told her I would like to set up payments that I can afford. She told me their polices were that I first would have to pay a down payment of 50 % and then they will do monthly payments. I first told her I wanted documentation stating that I was required to pay this, she said they did not have any. I told her I could not afford this and told her what I could afford with the possibility of paying more BUT I did not want to commit to a higher amount. She refused the amount I told her I could afford and kept telling me their policies and requirements are a down payment first. When I asked several times to see these policies and requirements, she just told me it is all internal and I said then how do I know you are even telling me the truth. I asked several times for paperwork and she refused to show me any of time of policies or requirements or even tell me where I could go to online. When I told her that I would just mail in what I can afford monthly, she informed me that they will post the amount towards my account but will probably sue me again for the judgement amount because they do not have an agreement for because she refused what I could afford at this time. I asked to speak to someone higher up then her and she said her Boss was not available and I could call back later to speak to him/her and then hung up on me.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Management Services (FL)

XX/XX/2016 through XX/XX/2016 I received a set ( 8 sessions as outpatient ) of XXXX XXXX XXXX ( XXXX ) at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OK XXXX Dept. Phone # XXXX Main Phone # XXXX Back then I had a health insurance through " XXXX '' ( Through my wife employer ). I personally paid all the hospital 's bills ( co-pays ) for each session. Then I have been harassed by " XXXX XXXX XXXX XXXX XXXX '' to pay 2 XXXX bills of : {$1400.00} and {$870.00}. So I returned back to both " XXXX '' and " XXXX XXXX XXXX '' ( where the procedures/treatments took place ), both informed me that I should Not pay separately for the XXXX as my co-pays from the hospital included every thing. Both Hospital and the insurance company assured to me many many times that XXXX was taken care of through the insurance company and the co-pay bills which I paid all in full. Nevertheless the " XXXX XXXX XXXX XXXX XXXX '' insisted to impose the bills which exceed the whole 8 treatments co-pay bills. Now these 2 bills have been passed to a collection entity called " AFFILIATED MANAGEMENT SERVICES '' which severely affect my credit report ... .Why would I pay separately to another ( contracted ) entity for a service provided by XXXX XXXX XXXX ? .... " XXXX '' is a huge medical provider, there is no logic for XXXX to let its contractors ( out sourced ) to bill directly the patients especially XXXX assured to me that these bills are not legit while the insurance company assured that they took care of all that and I am not supposed to receive bills from " XXXX XXXX XXXX XXXX XXXX '' ..Please help
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

The debt collector ( XXXX ) has falsely " parked '' old debt on to my credit report that was found to part of identity theft from XX/XX/XXXX. They have tried to " reage '' this debt onto my credit report as being opened XX/XX/XXXX and owing {$1200.00}. They have also falsely and illegally reported twice on this same account for another {$1200.00}, and have falsely said this was opened XX/XX/XXXX. XXXX recovery services has illegally harmed my credit on a debt that is not mine. XXXX  and XXXX cleared this identity theft over XXXX or 4 years ago. I have written XXXX with no response. I have asked them to remove this from my debt as I do not owe on this debt. Not only have they refused to give me information on this debt, they have now double reported on my credit report in an effort to collect more money from me. My next step is to sue them in court if this is not resolved. I have attempted to get this fixed for almost 2 years now with XXXX. They have falsely reported wrong information on my credit report with XXXX, with the sole purpose of keeping this debt " alive '', when it should have been removed from statue of limitations in XXXX and when this was found to be used from identity theft years ago. Because this information was removed over 3 years ago from my credit report I did not keep that paperwork as I thought it was final. Then XXXX parked this old debt after purchasing it wrongfully after the fact when it had been removed from my credit report. The original debtor was HSBC and had been removed from my credit report only for them to sell this wrongful debt to XXXX after it had been found to be part of several accounts used as part of identity theft. I have asked for any signatures of mine, driver license, proof that this was my account and have yet to receive anything back. Please help me get this matter resolved as I feel extorted to pay two debts on an otherwise clean credit profile while Im looking to purchase a home. After an inquiry on a mortgage is when the 2nd reporting of the {$1200.00} debt was added to my credit report. Thank you for your assistance.
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (RI)

My complaint is against Ally Bank regarding a paid in full auto loan. ( attached ) I paid the auto loan off on XX/XX/XXXX. I am still waiting for my title and lien release. I was told it was mailed on XX/XX/XXXX. I have made several calls over the past week and I am getting different information from different representatives ( who by the way are " off-shore '' ). I have also received emails from Ally Bank ( attached ) telling me it was mailed. My latest phone call was this morning ( XX/XX/XXXX ). I was told it will be another 2-3 days. Today is 10 days since I paid in full. The {$4800.00} was withdrawn from my bank account on Monday, XX/XX/XXXX. I have a deposit on this automobile from a buyer who I told that the title was mailed on XX/XX/XXXX - as indicated in an email from Ally Bank. I am totally getting the run around from representatives " off-shore '', who I feel are just telling me what I want to hear.
Consumer complaint received 2021-03-01
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-01-31
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.