davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

My name is XXXX XXXX XXXX. This company named XXXX XXXX XXXX has falsely reported a collection account to my credit report that I do not owe!!! The account is titled XXXX XXXX for approximately {$1600.00}. I've contacted the hospital and they've stated to me that I don't have any outstanding balances and that everything was paid in full. My name is XXXX XXXX XXXX. I have all my receipts to backup my statement. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Florida 's Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of XXXX law. Please note that the these liabilities are under the penalty rules of the HITECH Act. DELETE THIS ACCOUNT!! The account is listed under XXXX XXXX. This account needs to be removed off of my credit reports ESPECIALLY TXXXX
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have recently been contacted by this debt collector over 15 times. This debt was charged off over 10 years ago. It is already way over the Status of Limitation for debt collection. I have informed them many times that they can not collect on this debt and they continue to harass me call me at all times of the day and sending me messages. 

Despite me telling them they are NOT allowed to collect on this debt they continue to do so.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number. 

XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXX XXXX XXXXXXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX XXXX fraudulently reported accounts and XXXX inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX on XX/XX/XXXX * Creditor : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX Equifax fraudulently reported accounts and XXXX inquiries on my credit report. 
* Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX
Consumer complaint received 2020-11-23
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. (CA)

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I XXXX  not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I submitted a FTC report to Experian on XX/XX/XXXX, and 5 items were deleted/blocked from the investigation. Experian has violated my rights under the FCRA 15 USC 1681i ( 5 Day reinsertion notice ). Under the FCRA, Experian never notified me by email or US mail between XXXXXXXX and XX/XX/XXXX of any reinsertion within 5 days of reinserting the information. I uploaded a request to remove previously disputed items that were reinserted on XX/XX/XXXX. Experian failed to comply under 15 USC 1681i ( 5-day reinsertion notice ).
Consumer complaint received 2023-05-20
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. (TX)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX : XXXX, US DEPT OF EDXXXX : 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 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 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo put a lock on our XXXX  card and refused to give us a reason as to why. I understand an account can be closed for any reason a bank choses but to not give us a reason after being a good customer for 5 years, never a late payment, and to eventually close the account and send it to the " deceased '' dept is totally unacceptable customer service by the fraud dept. 
Due to a stolen check at another bank, I had to have my checking acct closed and re-opened with a new number. Caught in the changeover was my XXXX  payment ( {$2500.00} ) so a check got returned to my bank. As soon as I discovered this, I called WF and explained the situation and made payment directly from my new account. The pymt was received before the due date. Then my card was locked. Numerous attempts to try to find out why were never answered. They asked for another pymt and proof the pymt cleared and said they would lift the restriction, but when I complied with their request, they still would not unlock. I told them I would probably close the account and was told, they were " thinking about closing it anyway '' ( no reason given ) and the next I knew I was reported as " deceased '' on XX/XX/23. This might have caused numerous complications in our lives had I not been on top of this. Don't they need some kind of proof before declaring someone deceased? 
I feel it was vindictive on the part of the fraud mgmt ( but I have no proof ) other than the was they spoke with me on the phone. Customer service was beyond horrible in the fraud dept. If you pay your bill in full and are never late and take the cash back they offered, apparently they don't want your business.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (MD)

Discover Bank has placed a restriction on my XXXX Account. I have called Discover with no solution. 

XX/XX/2023 at XXXX Spoke with XXXX and requested to disassociate/deactivate my phone number from Discover and XXXX. Representative stated that she had done this request. 

Couple days later, I am still not able to use XXXX with my other banking institutions due to my phone number still being linked with Discover. 

XX/XX/2023 at XXXX Spoke with Discover specialist XXXX , and she stated that the request was not fully completed and that she had to read me some disclaimers in order to disassociate my phone number and that it would take 15 days for this to be completed. 

XX/XX/2023 at XXXX Spoke with supervisor XXXX , mentioned that she confirmed that everything that Discover could do had been done on their end. There is nothing else that they can do. At this point, I still can not use my XXXX with another institution. No resolution found. She mentioned that my phone number was " deactivated and unblocked, '' and that I should not be encountering any issues trying to use XXXX with another bank. 
On this day, I also spoke with XXXX, a second level supervisor from XXXX who confirmed that my phone number shows that it is still restricted by Discover. 

I called XXXX XXXX XXXX to request a consumer report and they confirmed that Discover restricted my phone number due to " violation of XXXX Services Agreement, '' of which none of this was disclosed to me because everyone I spoke to from Discover confirmed that I should not be having any issues. 

I am currently lost for words and frustrated with this issue. I will be reaching out to Discover corporate ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) once I get my consumer report.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I had two accounts with Pentagon FCU one was a credit card and the other was an installment loan. The first one, the credit card, has comments stating that I never made a payment. I believe this to be inaccurate but the none the less I do owe this debt. The second account, installment, shows a balance of {$66.00} on one bureau and zero on the other two. I have gone to the bureaus asking for confirmation of the debts. The only response I have received is that it was verified. I sent letters to Pentagon directly and got no response. In my frustration I decided to settle the two accounts in hopes of getting them removed. I sent a letter in XXXX with a settlement offer and again received no response. I called them around the end of XXXX and they said they would not talk to me I had to send my request in writing and it had to be faxed. I wrote anther letter with the settlement offer and faxed it directly to them. It has now been two more months with no reply. I called them again and they said they have no record of me and would not assist me. They can't find me but they continue to report negatively on my credit report.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

I have called Convergent Outsourcing multiple times to verify my debt via phone and they insisted on reporting the collection on my credit report which I did not authorize and that violates my consumer rights. On XX/XX/XXXX, I received confirmation via green return receipt that Convergent Outsourcing Inc. received a letter from me stating to provide me the contract with my original wet signature that obliges me to pay this alleged debt. I received the recent mailing from them that was also backdated 10 days from my receipt, and I am also pretty adamant in checking my mailboxes. They claim to verify the debt with a copy of the billing statement from the " so be '' original creditor XXXX however, this is not what I asked for and is in violation of 15 USC 1692 ( FDCPA ). The alleged debt of {$270.00} as they claim is not mine. I am still a customer with XXXX now and my service still works and it is weird how this debt pops up as mine out of nowhere. I believe there has been a mistake. I called Convergent Outsourcing Inc. today to let them know of my actions to forward this issue and complaint tot the CFPB and XXXX XXXX has said she will dispute again in there system but I am not sure of the effort.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is utilizing an incorrect name I've reported it 3 times to this agency, and has it attached to my credit report. A file a dispute on XXXX it was completed on XX/XX/2022. Notifying that Account # - * The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE and that If an item states " Deleted '', we have removed it from your credit report and taken steps, so it does not reappear. It has never been deleted of report and when I reached out twice, they stated I have to refile a dispute. That the collections agency replaced it on the credit report. I have checked every day since the XXXX we are on the XXXX it has never been removed of the report. I ask to speak to management I was placed on hold and hung up on both times. They are reporting inaccurate information even when we provide written documentation, and they find and confirm that it is inaccurate they continue to report it.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Account XXXX : XXXX XXXX : XXXX I would like to get a full refund for the defective printer that I returned XX/XX/2020. I provided Capital One with all requested information on XX/XX/2020 regarding the dispute however they still billed my account. please see attached paperwork.
Consumer complaint received 2023-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC (NC)

On XX/XX/XXXX I disputed a collection from A-1 Collection agency on my XXXX credit report. On XX/XX/XXXX the collection was deleted as a result of the dispute, with confirmation number XXXX. On XX/XX/XXXX the collection reappeared on my credit report. I did not receive notice from XXXX within the 5 day window as required by the FCRA. The collection was deleted as a result of the investigation dispute, not as a result of non-communication, ( wherein a collection can be reinstated if the agency responds within 35 days ). Therefore, this reinsertion is incorrect and must be deleted as stated in the result of the dispute.
Consumer complaint received 2021-04-07
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. (LA)

Equifax ; XXXX XXXX XXXX XXXXre reporting incorrectly that I am ( 90-120 ) days late on the XXXX XXXX AUTO partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, Equifax XXXX XXXX XXXX XXXX  are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2019-02-19
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: eMoneyUSA Holdings, LLC (MO)

XXXX XXXX XXXX. The account is still showing active on my report and its not mine. This account is lingering on my account after I have let them know that someone in my old apartment complex has found my old Id with my social on it and refuses to give it back. Subsequently my taxes were compromised for two years and I am in the process of buying a home and this old account is prohibiting me from doing so.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.
Consumer complaint received 2015-06-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (PA)

Took out a loan with One Main Financial for {$5000.00} but it was reported to the credit bureau as almost {$10000.00}. It was the interest if the loan was paid back as scheduled but that interest is n't due except what is due at the payment due date. I have paid a lot of extra payments but the loan still is reported as if only a full balance of interest and principle is still due. In other words they are over reporting to the credit bureaus the amount of the loan and they are still only showing the payments I have made as principle and not lowered the amount because interest would be a lot less. I have made about {$2000.00} payments in less then 4 months so interest on the loan would be considerably less if they are allowed to report the future interest as balance due on the loan.
Consumer complaint received 2020-11-29
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)

Recently I was sent a letter saying that my debt was validated. Which I find to be outrageous simply because the debt is not my debt. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Providing anything less than this is a violation! Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2024-01-19
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX  XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year>.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wife received a phone call from a spoofed XXXX # to her cell phone at approximately XXXX ET on XX/XX/23. The number appeared as XXXX. XXXX also stated " BANK OF AMERICA. '' Bank of America 's legitimate # is XXXX. Coincidentally, my wife had lost her Bank of America debit card earlier that day and assumed she was receiving a call about potential fraudulent activity. 

The impersonating agent that spoke with my wife identified himself as XXXX XXXX from XXXX, Texas and provided an employee ID # : XXXX. They even have a fake XXXX Profile : https : XXXX The impersonating agent claimed that my wife 's Bank of America account was used to make an {$800.00} XXXX purchase and also a {$3500.00} transfer. The agent claimed they were able to stop the {$800.00} XXXX purchase in time, but that they needed her to setup a XXXX recipient to get the {$3500.00} transferred back to herself. They led my wife through steps to create a XXXX recipient ( as herself ) through her Bank of America mobile app, then transferred {$3500.00} to the recipient ( thinking it was herself ). 

We opened a claim with Bank of America less than 2 hours later at approximately XXXX ET. Regulation E of the Electronic Fund Transfer Act protects for unauthorized transfers ( 12 CFR 205.6 )