davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were paid in full ; Agent stated it would be removed from credit report upon payment. 

Account was not removed ; status showing open when it should be closed and removed from report. 

Filed a formal dispute, investigation was not truly followed as upon completion, it was still reported with mismatches. Showing open on XXXX and closed on XXXX. Also, with erroneous and mismatched open dates. 

The below laws are being violated : ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CA)

On XX/XX/XXXX I visited the emergency room at XXXX XXXX in XXXX, CA. At the hospital I provided information regarding my health insurance through XXXX. The hospital properly submitted a claim to XXXX, but the XXXX XXXX for which the doctor worked submitted a claim to XXXX in error and then referred me to a collection agency ( Medicredit ) for an amount equal to {$750.00}. When my husband and I explained the facts of the situation to Medicredit, they told us we had to address the issue with the XXXX XXXX XXXX. However, the XXXX XXXX XXXX XXXX   policy is that they will not deal with any claims that they referred to Medicredit. However, after speaking with supervisors at Medicredit and HMH between XX/XX/XXXX and XX/XX/XXXX ( and explaining to them that XXXX was willing to process the original claim so long as an itemized receipt was sent before XX/XX/XXXX XXXX XXXX submitted the claim to XXXX and paid the applicable {$20.00} co-payment. On XX/XX/XXXX, XXXX provided an Explanation of Benefits showing that ( i ) XXXX XXXX claim was processed, ( ii ) only {$140.00} of the original {$750.00} were allowable charges, ( iii ) XXXX paid {$120.00} and ( iv ) my remaining balance was the {$20.00} co-pay that I already paid. In addition, XXXX sent me a statement on XX/XX/XXXX indicating that this claim was paid and that my remaining balance was {$0.00}. However, notwithstanding the XX/XX/XXXX statement ( and the almost year of effort in resolving this issue ), Medicredit has continued to call me and recently sent me a statement indicated that I continue to owe the {$140.00} of allowable charges.
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (NC)

The original complaint was submitted back on XX/XX/XXXX when XXXX tried to bill me for equipment that was returned on XX/XX/XXXX and the case was closed by CFPB and the collection agency, XXXX XXXX XXXX XXXX XXXX, then. The original case number was XXXX. This has turned into predatory practices. The details, dates, amounts, etc related to the case are as follows : I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/XXXX. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX  tracking number of the shipping label the company sent me was xxxx xxxx xxxx. The monthly bill was usually due on the XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XXXX through the XXXX of XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. Any assistance is more than welcome. Thank you so very much!
Consumer complaint received 2022-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

I ordered phones through XXXX XXXX XXXX. They sent me out an extra phone which was never activated nor opened. They even created a new account under my name for the said account. I attempted to call to rectify the situation with a call center representative, but the representative claimed that they couldn't see the account at which time I was transferred to a manager. Upon talking to the manager I was told that I shouldn't have been charged and that the account would be closed and all charges canceled. I looked at my credit report and the debt has been transferred to a debt collector. This collection has caused some creditors to lower my credit limit and impacted me negatively. If this account isn't removed promptly I do intend on seeking legal action and recovery against XXXX XXXX XXXX and the collection agency reporting the account on my credit profile. As this account is fraudulent and I never authorized a new account to be opened in my name this account and balance was supposed to be null and void. XXXX XXXX XXXX received the phone prior to XXXX XXXX, XXXX. I called to verify and was told it would be handled immediately. I contacted the debt collection agency and they have taken no action.
Consumer complaint received 2022-07-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re : Mortgage with Bank of America Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX I found out that our property was sold by Bank of America to a third party - XXXX XXXX without any written notification on XX/XX/XXXX. An agent representing XXXX knocked on the door and informed the tenants and was given 3 days notice to vacate the property. 

We are current on our mortgage and have not missed any single payment. I logged in into my Bank of America account to find out why and I was not able to access the account any longer. I called them immediately and the representative I spoke with informed me that our mortgage was paid off as of XX/XX/XXXX. 

We are not aware nor have received any written notices regarding the sale. As of today, we still have not received anything from them. I tried to get additional information but was told that I have to request everything in writing and will take approximately 7-10 business days before we receive a response. 

We have senior tenants living in the property and giving them a 3 day notice to vacate is not acceptable. Where are they going to live and find a place in such short notice. This has put so much stress on them and on us.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MA)

I authorized a credit freeze on the Lexus Nexus with my name on it and my social security number, which they are using without my permission. Lexus Nexus acknowledged the freeze and sent me written documentation. 

They have since unfroze my account without my authorization or permission or lied about freezing my account as I am getting denied home owners insurances as a result of their negligence.
Consumer complaint received 2022-07-01
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. (MN)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX, 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
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I DID NOT AUTHORIZED THESE INQUIRIES 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
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Auto loans or leases Total balance : {$16000.00} TOYOTA MOTOR CREDIT Balance {$16000.00} Updated on XX/XX/XXXX I started a lease with Toyota XXXX for a XXXX XXXX XXXX XXXX on XXXX XXXX. By XX/XX/XXXX there was a serious retread tire problem on this new vehicle and I almost had a serious car accident. This happened within the first 30 miles of driving this vehicle. 

To make a long story short, The XXXX XXXX Elder Law Attorney sent the dealership 1 letter and I was given the option of being release from the loan and by XX/XX/XXXX this auto loan was resent. All docs were signed and my deposit was returned buy XX/XX/XXXX. Release of liability and other DMV docs are attached. 

I called Toyota XXXX Friday, XX/XX/XXXX to find out why the Toyota loan is still on my credit report, they told me that the account was closed out and it would take 3 business day to be corrected on my credit report. Toyota XXXX Loan is still on my credit report and my XXXX has already denied me for a car loan. Moved here ( XX/XX/XXXX ) to XXXX, NV to work but can not work until I get an Auto. This credit auto loan with XXXX XXXX is closed on their end but is creating a problem plus hinders me from buying a new vehicle. Please help me, I am a senior and do not need this headache.
Consumer complaint received 2020-05-22
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: TD BANK US HOLDING COMPANY (CA)

TD Bank Card Services has not reversed the XX/XX/2020 {$65.00} XXXX XXXX charge that has been disputed for more than one month. That charge has not been reversed and is included in my current balance due after logging in to their website. Each time I call or sent secure email they deflect my XX/XX/XXXX dispute to 2 later charges XXXX charges that were reversed and NOT AT ISSUE! 

Also, my TD Bank Visa card was closed in XX/XX/2020 due to suspected fraud and I was locked out of on line access ( shoot the victim? ). I was told NO NEW CHARGES WOULD POST TO THAT CLOSED CARD. Yet on XX/XX/2020 a {$8.00} charge was posted to my current TD Bank card using the closed card number! If the closed card could accept new charges then why was it closed and another card mailed to me? This is highly irregular and against TD Banks terms and conditions when a credit card account is closed TD Bank has also blocked me from sending secure messages and a Disputes department supervisor named XXXX x XXXX hung up on me when we spoke earlier this week. Previously I spoke to XXXX in Disputes department located in GA case number : XXXX. He promised that the charge would be reversed after listening to the voice-mails of XXXX XXXX which is not contesting any disputed charges.
Consumer complaint received 2020-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

After reviewing the credit profile XXXX XXXX XXXX continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?
Consumer complaint received 2022-07-01
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. (MN)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX, 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
Consumer complaint received 2020-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.
Consumer complaint received 2020-05-23
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: Convergent Resources, Inc. (FL)

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I applied for a auto loan from credit acceptance in XXXX. My loan end when my car was totaled from a accident XXXX. My gap insurance paid the remaining balance of the loan and the account was supposed to be closed and paid. All these years it has never been a problem until now.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing is refusing to offer a loan modification and only offering a forbearance due to COVID-19. The forbearance does not help me or the vast majority of homeowner 's since the balance of the 3 month forbearance is required to be paid in full at the end of the forbearance. What is the point of even offering this? 

SLS refuses to even offer the prospect of a loan modification simply stating that it 'may ' be available in the future and that they can't offer any additional information pending " a review of applicable laws and statutes ''. 

Their Customer Service has been unwilling to assist me as a homeowner simply because my loan isn't federally backed. My complaint is to try and force them to treat these loans as federally backed and offer loan modifications rather than forbearances. My original loan from 2010 was with federally backed mortgage. Due to circumstances that I had ZERO control over the loan has been sold multiple times and ended up with SLS. Now I am being penalized during a GLOBAL PANDEMIC. I find this terribly unfair and am asking for your assistance
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/20, I received my credit report and realized that there is a charge on my Best Buy credit card issued by Citi Bank in the amount of {$870.00}. I immediately called the number on the back of my card and spoke to someone out of the country who couldn't explain anything to me. I advised the agent that there is a fraudulent purchase on my card. The agent stated that he will close my account and send a new card. I kept telling him I don't want a new card, I want these charges disputed and removed. The agent then continued to repeat himself so I had no other choice but to hang up. I am tired of calling oversees to speak with someone about this. I want these charges removed and my card closed. The lack of customer service scares me to ever use this card. I was not provided with a case number, time frame, next steps, or any kind of direction. I cant even log in online to see what was purchased and where so that I may begin to put blocks on all my other accounts. Please help me get this rectified before it ruins my credit report.