davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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. (WI)

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.

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.
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc. (VA)

XXXXXXXX XXXX XXXX XXXX XXXX provided services from XX/XX/2021 to XX/XX/2021, for which most of the bills were paid by my insurance. However they accumulated minimal unpaid amounts for my account. Once we found out, we paid the total accumulated balance of {$330.00} in XX/XX/2021. 
However they reported my account and me to the collection agency at some point in time and we had no knowledge about this, until recently when we applied for home mortgage. The collection agency had hit my credit score and brought my credit score from XXXX to below XXXX. Due to this we are now getting higher interest rate on the mortgage. After we found out this, we called the XXXX XXXX multiple times and provided the payment confirmation and requested that they give us a letter saying it a mistake or reserve this credit rating impacts. The manager spoke with us just once and agreed to take action and resolve this issue. But since then it been more then 1 week and the manager has been ignoring our calls. We requested to speak to the manager to just get an update on this situation. But the receptionist named XXXX never got manager on the phone. She keeps on saying she will pass on this message to the manager. Due to there mishap, they reported our fully paid account to collection agency and the collection agency damaged our credit score which will affect us financially now. The clinic is purposely ignore our attempts to get this fix with the collection agency and the credit rating agency.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

Citibank was advertising account opening bonus incentives. Promo code # XXXX. 
I attempted to open checking account on their website. 
Their system had issues that prevented me from opening the account online. 
I called on XXXX to open the account on the phone. 
I funded the account in XX/XX/XXXX. 
I called them in XX/XX/XXXX to ensure I would receive the bonus and they confirmed I would receive it in XXXX. 
I didn't receive the bonus and called them on XXXX and they said I would receive it by XX/XX/XXXX. 
I called them on XXXX and was told they needed a form from me. I sent them the form in the mail. 
I called them on XXXX and they said they received it, but still no bonus. They opened a promo dispute case and told me I would hear from them in a week. I didn't hear from them. I called on XXXX for an update. They had no update and they would request one from the investigation team and that I'd have to call back for more information. I called them on XXXX and they told me the case was closed and they determined I am eligible for the bonus and they bonus would be in my account by the end of the day XXXX. I checked my account on XXXX and the bonus is NOT there. The company used misleading and deceitful advertising. They have continued use unfair trade practices, to lie to me, cause stress, and consume my time.
Consumer complaint received 2024-01-22
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)

On XX/XX/XXXX, I sent a written request to Experian Credit Solutions informing them of two accounts reporting incorrect information on my credit report. I attached to the letter, a copy of my report and detailed the information that was incorrect on both accounts. Specifically, both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are employing the commonly used tactic of " re-aging '' collection accounts to circumvent the FCRA and allow the account to be reported for more than seven ( 7 ) years. I notified Experian of this illegal tactic and instead of actually conducting an investigation into the accounts, Experian used an algorithm-based investigation and generated an automatic decision showing the accounts as " Verified and Updated. '' However, the collection agency did not provide the information requested nor did they update any incorrect information. The collection agency simply re-submitted identical information ( still incorrect ), provided no supporting documents, and Experian validated the information. This is completely unacceptable. For consumers to trust and rely upon the Credit Bureaus, the Bureau has a duty to objectively investigate consumer disputes. Experian conducted NO investigation and simply verified inaccurate information.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Yesterday, XX/XX/XXXX, Bank of America closed my account without prior notification, I called to ask what had happened and they didn't give me an explanation, they left me without a dollar, I don't have to pay my debts or buy food because I have my money there, please help me. 
Now this will be a problem for me because it will affect my XXXX XXXX since I have a credit card with it
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Certegy Holdings, LLC (FL)

Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXI ) XXXX Date opened : XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (CA)

On XXXX XXXX, XXXX, I learned that my XXXX credit report was negatively impacted due to a collection agency posting a new collection on my report. I was shocked, and immediately called the Stellar Recovery whom was reporting the account. The amount of the collection is for {$27.00}, and it was sold to them by XXXX XXXX. I have never had an account with XXXX, and Stellar states the service address was for a home in Arizona to which I have never resided. Rather than assist me in removing the collection, they keep referring me to XXXX. XXXX is also unwilling to help since they are unaware of how to proceed, and can not locate me by my name. I have filled a dispute with XXXX, and I have also submitted a complaint with the FCC around XXXX and the lack of support.
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Phoenix Financial Services LLC (CA)

XXXX This morning at XXXX I received a phone call from XXXX from Phoenix Financial Services XXXX Rep only identified firm and some obscure medical provider and did not give more information so I thought it was a phishing scam. When I called back at XXXX, the rep was willing to offer more information on who they were, and what their relationship is to the medical debt. They claimed that they have been sending me collection notices for 3 years, none of which I have received. I had asked for them to confirm the address ; XXXX then confirmed that they had the wrong physical mail address, and was able to review my file and get the correct mail address which I confirmed. The rep then stated that they would still put a collection notice on my credit report despite that I have never received a proper notice from this firm in relationship to the debt. I made it clear that I was not refusing to pay on a debt that I supposedly owed, but I needed physical documentation to verify their claim. Again, they referred to the notices I have n't received because THEY sent them to the WRONG address for 3 years. I asked to speak to a supervisor named XXXX. XXXX informed me that they would move forward on putting the debt on my credit report profiles despite not being properly notified under the FCRA. Further, I had informed them that the debt was part of a workers compensation claim. The firm dismissed that claim, stating that my personal insurance was notified and had paid the debt. If they had paid the debt, I failed to understand why they were calling me. Again, I had asked for physical documentation to be mailed to me at the correct physical address that they finally confirmed. They also alleged that I was trying not to pay the debt. Again, under the FRCA, I was never notified of any debt collection attempts. 

As a consumer, I am very wary of phishing attempts and have been apprehensive to release or confirm personal identifying information to unsolicited phone calls. I have never refused to pay outstanding debts if I am aware of them, and this claim was made under workers compensation which I was informed that everyone that had provided medical services were paid under the claim. I informed Phoenix Financial Service of this and they said they would move forward on putting derogatory remarks under my credit profile regardless in violation of FCRA. 

This complaint is being filed in preparation that they were properly notified of the correct address, and that I will not pay any unsolicited collection attempts without reviewing who they are/what the debt is/who the medical provider was that they are representing. When I receive proper notification, I will move forward to rectify any outstanding accounts should they prove valid. If Phoenix Financial Services fails to provide such documentation, I will be exercising my rights to sue under the FCRA and also file a complaint with FTC and CA State Attorney General 's office.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX Acct # 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 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

WRONG SSN XXXX  : XXXX & XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX ) XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX Collection account. {$920.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX. 

XXXX XXXX  XXXX Account charged off. {$270.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX {$1600.00}. 

XXXX XXXX XXXX {$1200.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$6000.00} Account Status120+ DAYS PAST DUE. 

XXXX XXXX XXXX {$3500.00} Account Status120+ DAYS PAST DUE. 

Inquiries XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022, by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX/ XXXX {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( XX/XX/2022 ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-01-22
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2022-06-17
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. (MI)

Id like the hard inquiry from XXXX XXXX from XX/XX/2022 on my Experian report removed. Its a non account holding inquiry. 

I believed I was on a pre-qualification / pre-approval website when I got that hard inquiry. The website was an articles that gave a list of pre approval credit card offers that only used a soft inquiry. From what I thought was a soft inquiry a credit account was approved using a hard inquiry. I never used the card bc I didntnintentiwlly open it. 

XXXX informed me they sent a letter to all credit bureaus to remove the inquiry and any other info relating to what was supposed to be that soft pull. 

I spoke to Experian about it, they said I had to get the creditor to send that letter. 
The creditor told me they sent it to all 3 bureaus. 
I asked Experian if they received it, the rep said he couldn't tell. 
Any time Ive had communication with Experian about any matter, Ive asked them to resolve this. 
I called XXXX  XXXX since I couldnt find out if they received the letter when I spoke to their rep. I asked them if they could resend the letter or if I could get a copy I was told no. 

Id just like that hard inquiry for XXXX  XXXX from XXXX removed. Thats all. I need my inquiries for applying for credit products I want. 

Id just like that hard inquiry removed and my credit report undated ( not wait for a month to see it removed. ) Any assistance you can give to resolve this is appreciated.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (SC)

This is a written demand to XXXX XXXX who acts president of TD Group US Holdings and ceo XXXX XXXX XXXX. I am invoking my right of rescission pursuant 15 usc 1635 on any contract and account. I was not disclosed certain information about my interest in my own account, negotiating instruments, an my privacy was violated. I rescind all signatures, endorsements, and consents of the use of my information. I expect all money be returned by check pursuant 15 usc 1635. I also demand the cancelation of any contract, account, and security interest with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.
Consumer complaint received 2024-01-22
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. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Consumer complaint received 2024-01-22
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. (MO)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite many multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-06-17
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. (TX)

I noticed several accounts on my credit report that does not belong to. 

XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX