davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed to no avail the collection account appearing in my credit report under the collection company listed as XXXX XXXX the problem is I originally requested validation if the debt XXXX responded with a consent form dated a entire year earlier then the hospital bill inpatient date ... .this is not valid validation of the debt also the consent form was for a regular doctor visit not a hospital stay as bill indicated. 
I then reached out to XXXX XXXX which was the original creditor to learn that this debt which XXXX XXXX is trying to collect is actually included in a charity application I submitted to XXXX XXXX XXXX assistance before the debt was purchased by XXXX the charity application had been accepted and us still pending review thus XXXX XXXX should not be trying to collect on this debt I have enclosed the XXXX bill A copy of my XXXX XXXX billing statement which shows this account is pending review for charity assistance with a XXXX balance I notified XXXX  I was in dispute if this debt before the 30 day notice however they will not crease contact it collection on this item
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There is an account on my report from XXXX XXXX XXXX which was close closed over a year ago yet trans union is still reporting it as active. It needs to be removed. There is also information on my report for XXXX XXXX  the house was sold and the account is closed. I respectfully refuse to furnish a social security card as requested or any information that could be used in a fraudulent manner as it has been well documented that these information carries have had issues with data breaches.
Consumer complaint received 2020-07-03
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: EQUIFAX, INC. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX & XXXX ) Address : XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX ( Equifax & XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Equifax XXXX XXXX  ) ; Bal : {$780.00} XXXX  Retail - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$0.00} ( XXXX & XXXX  ) XXXX XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$570.00} ( XXXX  ) US DEPT ED - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX )  ; Bal : {$3000.00} The Public Records is incorrect information : Chapter XXXX Bankruptcy Dismissed Dated : XX/XX/XXXX ( XXXX XXXX XXXX  ) Please remove unauthorized inquiries from my credit file : 1 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 2023-03-23
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: Phoenix Financial Services LLC (MD)

Greetings, On XX/XX/2023, I received an alert that my credit report was changed. I then viewed my report and noticed that Phoenix Financial Service reported that I owed {$380.00} and it's in the collection. I do not own that account that they report to the credit agency. 
I disputed the account over three times and still, nothing happened and it continues to reduce my credit score. 

I have never received any notices from this company stating I owe a debt to them. They directly went straight to the credit bureau stating I owe the debt and placed it into the collection section on my report. I have no knowledge of where this debt came from. As of today 's date, I still don't have this information, so I am really baffled as to where they got it from. 

Note : My information has been comprised on the dark web of my social security number, and email as well. My name has been spelled many different ways on my report and I also had to dispute that also. With that being said they are in violation of my HIPPA rights by reporting medical information. Therefore, I will seek legal assistance if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.
Consumer complaint received 2020-07-03
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. (FL)

I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.
Consumer complaint received 2023-03-23
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. (CA)

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.

THE BUREAUS and XXXX 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 2020-07-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

Ive paid the loan on time except in XX/XX/XXXX. The company showed my account as repossessed and every time I would contact the company about my account status no one could tell me how to fix it. I had my car and it was not repossessed. They reported my account as repossessed for two months when in fact my account was not repossessed. On several occasions the customer service rep would keep me on the phone for over an hour reading notes and then would constantly transfer me to another person who would brush me off and tell me they would fix it and call back in 30 days. This was done several times. All calls are recorded but no one seems to know why my account shows a delinquent status. 
In XX/XX/XXXX I paid ahead for my payment due in XXXX ... in XX/XX/XXXX Ally financial reported my account as delinquent for XX/XX/XXXX. I paid early and my payment was not due until XXXX back in XXXX. This company does not report to credit bureaus properly. I requested they change the status of my account and they gave me a confirmation number and still no one has done anything to fix my account status which is affecting my life and credit score. I am unable to apply for a mortgage because this is affecting my FICO score. 
I feel that I have exhausted all attempts to correct my account with this unprofessional company with no success. My last attempt was on XX/XX/XXXX, I stayed on hold for 45 mins before someone came on the line and disconnected the call. Ally Financial is extremely unprofessional and negligent when it comes to my personal credit file. Please make them fix this.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I accidentally paid the wrong credit card in my Bank of America account. I have 3 cards, I paid {$8000.00} on XX/XX/XXXX a week later I called and asked them to transfer the payment to the other card. There has been a credit on this account for more than 6 weeks and a debt on the card I want it transferred to. I have called 5 times. I was told last week it would be handled by Friday. It wasnt! I called yesterday and they told me they would call me this am and tell me the status. The did NOT call. This is extremely excessive to transfer a credit balance from one card to another.
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (MD)

Reached out to aidvantage who has my loan from XXXX. Today when I called about my existing loan and what is the existing monthly payment going to be once the XXXX pause is over. Was told it would be {$750.00} a month. how is that possible? At the start of the pandemic in XXXX, I was paying {$390.00} a month. I was in a XXXX  forbearance periods since XXXX when I started my degree from XXXX. finished degree in XXXX. It was only until XXXX where I could consistently make payments. How can my payments now jump to {$750.00} in XXXX? I do not believe the algorithms the Department of Education Student Loan for the government is correctly calculating payment amounts and factoring in inflation and income. And the person speaking to me has a clue to explain what their application is doing to come up with an exorbitant amount of money to have to pay each month. It feels like XXXX all over again. From the XXXX settlement, my loan qualified for possibly a {$260.00} restitution payment. Never received the payment to date. If my loan had issues at XXXX, why isn't the department of education looking at my loan for correction or cancellation? XXXX already deemed my loan was treated wrong in their settlement. Why am I looking at paying even more money that I can not afford through the Department of Education? I will never get out of this loan or repay it if the monthly loan amount continues to increase and without explanation. If Department of Education is not cleaning up their systems to help borrowers, why do they exist? I want my loan looked at and someone to effectively explain the payment process.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/20, I purchased media cabinet, two bookshelves and 5 stools for {$5000.00}. West Elm contacted me to inform me that they did not know when they would deliver. I asked for a refund. They only returned partial. I had to call back because they forgot to return the media cabinet because THEY FORGOT. Then they explained that they would not return the shipping fee amount. I have spent no less than 10 hours, emailing, calling and begging them to fix my account. West Elm is totally unresponsive. I have been given the run around. I have researched online and this behavior is consistent with many complaints. They sell product and sometimes " lose '' where it is in the supply chain. They do not respond to calls and inquiriesXXXX XXXX XXXX. I am asking for a refund of the total amount in addition to the late fees and interest. Most importantly, WEST ELM AND COMENITY BANK which is their credit card MUST make my account equal to XXXX and account current. They are impacting my credit negatively.
Consumer complaint received 2020-09-04
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. (CA)

In XXXX of this year 2020 I filed disputes with XXXX, Experian and XXXX  I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.
Consumer complaint received 2023-04-03
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 (MD)

I disputed a transaction for a service that I never received for {$2400.00}. On top of this charge, the dog training company charged us a {$370.00} cancellation fee even though the cancellation was out of our hands. These charges were posted on XX/XX/22. Although I spoke to multiple employees, I received a letter in the email saying that the dispute was unsuccessful because the trainer put that we were going to use her services in the future and wanted to reschedule. After continuously trying to reschedule and not being able to get in contact with the trainer, I reached back out to see why the dispute was denied. I was told to send more information in explaining what happened and to write a letter saying that I never received the services. 2 different people told me this. I then received notification that the employees were incorrect and the matter couldn't be reopened.
Consumer complaint received 2021-07-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: STONEGATE MORTGAGE CORPORATION (CO)

On or about XX/XX/2021, I was to sign my closing documents. Unfortunately, reading the documents with the notary, the numbers that I was given, and the closing costs and my new payment were wrong. 
I was also told that my request for not having my homeowners insurance put in an impound account would be granted. That was the same as my previous mortgage company. I told the notary that I could not sign these documents. As the notary was leaving, she either called or was called by the broker, Modern Mortgage. XXXX XXXX XXXX and XXXX XXXX, representatives of Modern Mortgage, wanted to speak to me. They told me that I had to sign and that everything would be taken care of then. Foolishly, I believed what they told me. A few days later, I called and was told that they were working on everything. I was told someone would get back to me. I called the new mortgage company only to find out that I would have an impound account. I was also told that Modern Mortgage should have been aware of that. After calling Modern Mortgage several more times and being told that XXXX would get back to me with that not happening, I began to look for help. I filed a complaint with the XXXX XXXX XXXX After several attempts to contact Modern Mortgage, the XXXX  stated that they were not responding and nothing could be done. As a XXXX veteran, I trust in people who claimed to be working with the VA, only to be lied to and lose money. This should not be allowed happen to again to anyone.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

My bank account was hacked on an institutional level in XX/XX/XXXX. 

The banking institution One West Bank a subsidiary of CIT did not have proper firewall security to protect client accounts and personal data. Nor, did they have a department to clean up their negligence after the act. 

Since then, my financial life has been decimated, and CIT admits it was not my fault. 

To protect myself, I moved to another banking institution and paid off the line of credit I had with CIT. I have a letter from the VP of CIT verifying that the line of credit account now has a XXXX balance. 

Yet - somehow they repeatedly are reporting to the credit bureaus that I am late on owing them XXXX dollars . 

They have reported this " late '' account two months in a row causing my credit score to plummet from good to poor. These late marks are for XXXX and XX/XX/XXXX. 

I have made numerous calls over the past months to the supervisor XXXX, and I have emails they admit their error from CIT VP, XXXX XXXX ( emails dated XXXX and XX/XX/XXXX XXXX. 

Talking to XXXX this week - she says they can't even find on their books that I owe them {$2.00}!!! 

Therefore, this is false reporting about me, and I want to take action. I have contacted the FDIC regulated CIT. 

This is destroying my financial life as I was trying to get a loan to pay for my XXXX-year-old grandma 's medical care. 

Anyone reading this, do not entrust your finanacial life to One West Bank - or any CIT bank.
Consumer complaint received 2020-07-03
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: LEXISNEXIS (CA)

I called Lexisnexis on XX/XX/2020 to file a dispute for inaccurate information on my report ( such as : misspelled names, addresses and bankruptcy ). They did not complete the investigation within 30 days. I called back on XX/XX/XXXX to check the status and was told it was still within 30 day time frame for investigation and would be complete around XX/XX/2020. On XX/XX/2020 I had not received any investigation results and called customer service to report the non response and the rep told me that they could not print my paperwork so they had not been able to mail my results. They are in violation. I expressed in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. The rep stated that all info was suppressed and I would be receiving these results in the mail within 10 business days. I have not received anything in the mail removing the above inaccurate information I disputed on XX/XX/2020. I am asking that all inaccurate names, addresses and bankruptcy be removed from this third party Lexisnexis report.
Consumer complaint received 2020-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (CA)

The options I chose are not exactly what happened but I chose as best as possible. I was the victim of XXXX  malpractice. As a result I had to see a number of specialists, an ER visit for several days, etc. My husband arranged payment plans for all my bills. We were making regular, monthly payments with this particular creditor until XXXX when the coronavirus really hit us financially. We did fail to contact them to tell them of our hardship - it was kind of sad and embarrassing to be honest - however with utilities, et al giving hardship forgiveness, we figured these creditors would too. However, they never sent us a warning or final bill ; never tried to contact us to see what was going on - even though it should have been obvious. They just sent it straight to collections. I feel this is horrible - really uncaring and inconsiderate all things considered.
Consumer complaint received 2023-03-23
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. (FL)

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. 

I DID NOT AUTHORIZE THE FOLLOWING COMPANIES TO PULL MY CREDIT : 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 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 These companies have 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 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX  Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have received a credit report from Experian Credit bureau with a fraudulent account issued by XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX. Which is an action of fraud. I had a previous account with self dated back on XX/XX/XXXX with the account number of # XXXX which was marked Paid, Closed/Never late on my report. The Scheduled Payment Amount is consistent through in and through out, from XX/XX/XXXX til XX/XX/XXXX. The fraudulent account was created in XX/XX/XXXX which means that it was fraudulently made during the duration of my successful Paid/never late account with XXXX  The Fraudulent account also reports inconsistent Scheduled Payment Amounts of various Amounts, those of which arent even the policy of XXXX services. I disputed this issue with Experian as well and did not receive the results I deserved in this case. I would like to see this fraudulent account removed from my credit report so that I can continue on with my credit journey. Please and thanks XXXX XXXX