davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (NC)

The credit beaurues inolved are inaccurratly reporting my XXXX XXXX XXXX Account. The Account number is XXXX. I have had a repossession and it was reported to my account and I had a decrease to my credit score. However, XXXX XXXX XXXX is now reporting missed payments and keeping the account open wich is having a negative impact to my credit reports ( XXXX and Experian. XXXX XXXX is also in vilation of The CARES ACT. It is not okay for the credit beaurues mentioned to keep reporting fals information. I do not own the veichle and kow that is has been sold, XXXX XXXX is trying to double dip and continue to inpact my credit wich is very wrong. The credit beauties need to start reporting accurate information or completely remove this account as it is in violation of The CARES ACT and is causing harm to my credit report for the last 9 months. It is oreventing me from purchasing my new home.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HARVARD COLLECTION SERVICE for committing identity theft. I have never given HARVARD COLLECTION SERVICE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from HARVARD COLLECTION SERVICE before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HARVARD COLLECTION SERVICE can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HARVARD COLLECTION SERVICE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HARVARD COLLECTION SERVICE continues its collection efforts, I will file for litigation for actual damages caused and HARVARD COLLECTION SERVICE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have called TransUnion five or six times today to have these unverified inquires removed from my credit report. XXXX to have these inquires removed and they are lying to me.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (MA)

Hello COMPLETE CREDIT SOLUTION ; XXXX XXXX XXXX ; How are you happy new year to you and the family! I need your help here! 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX a debt collection notice was received from XXXX XXXX XXXX XXXX XXXX. Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company XXXX XXXX XXXX XXXX persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). 
XXXX XXXX never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). 
XXXXXXXX XXXX needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). 
According to the attached XXXX mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. 
All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing today because I am shock how poor attention and lack of investigation XXXX, Transunion, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open Transunion is XXXX XX/XX/XXXX while XXXX and XXXX is XXXX XX/XX/XXXX. 

The second error close date Transunion is reporting XX/XX/XXXX while XXXX and XXXX does not have a closing date. 

The third error account status Transunion and XXXX is reporting closed while XXXX is reporting open. 

The fourth error payment status Transunion and XXXX is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and XXXX does not have a date. 

The last error credit limit Transunion and XXXX is reporting {$2100.00} and XXXX is reporting {XXXX}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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. (WI)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items from my credit report.
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CA)

in 2019 I had a trip to the ER, via ambulance. The two who picked me up almost dropped me twice on the pavement, clearly inept and incompetent. No offense to the two young boys, but clearly untrained, no EMS degrees or any experience. They when accompanied by the local Fire Dept, never once disclosed that they were private contractors and not being someone who had been in an ambulance for decades was then meet with a XXXX dollar bill for a 7 mile ride. had I known and had ambulance company disclosed they were private contractors I would have taken an XXXX to the hospital since it was not urgent and not acute and I was not dying. 

in XXXX of 2019 I got a letter from XXXX XXXX XXXX who owns and runs XXXX XXXX a XXXX company ( a XXXX  company operating ambulances in the XXXX  ) where it is a socialized system ) I got an email I am enclosing where he, in first paragraph says he is going to write off the XXXX bucks not paid by my insurance who were billed XXXX and they were paid this, that is confirmed by both them and the collector I just spoke with. 

THIS COMPLAINT is. Also against the EMS provider since they have violated collection laws also. 

Since I never got a single follow up response about him writing off the XXXX dollar owed balance, no letters, no bills, no any sort of communication I was left with the. Assumption as would any consumer that this debt was written off. NOW 30 months later I get a call from an XXXX call center, someone who barely speaks XXXX demanding that I pay them or I am in trouble. Strong innuendo of a threat, predatory and I explained that this status on was resolved XX/XX/2019 and he yet. Still demanded payment. so I ended the call. 

CREDENCE is yet another predatory company who operates on the ignorance of most consumers and innuendo threats and or that I am in serious trouble that I will be in harms way. clearly untrained and clearly lacking in needing charm school to learn to speak XXXX well enough to communicate as well as learn the laws, which do not exist in XXXX.
Consumer complaint received 2022-03-30
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-11-30
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$710.00} XXXX  XXXX {$860.00} XXXX {$21000.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

CAINE & WEINER COMPANY INC is the collection agency, XXXX XXXX is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX XXXX XXXX ) that I am disputing the debt. I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. On XX/XX/2022, I also notified the XXXX  serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX  closed the case.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (NY)

I am writing today because I am shock how poor attention and lack of investigation Experian and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX  Account # XXXX The first error is the last verified date XXXX is reporting XX/XX/XXXX and Experian does not show a reporting date. 

The second error is the date of the last activity XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. 

The third error is date open XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. 

The fourth error is the closed date XXXX is reporting XX/XX/XXXX and Experian is not reporting a closing date. 

The fifth error is the payment status XXXX is reporting late 120 days and Experian is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Consumer complaint received 2022-03-30
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: LEXISNEXIS (TX)

File # XXXX XXXX, XXXX XXXX I received a response from the XXXX regarding the validity of a bankruptcy that is being reported on my credit report. I have sent in multiple letter regarding this public record on my credit report. XXXX, XXXX, XXXX i also received a response from XXXX regarding the erroneous item on my credit report, each time the item came back as " verified ''. I've asked how the item was verified the only response I have got was the item was " verified ''. up on further investigation on XXXX. 

Based on the information I gathered on the website it was " LexisNexis '' that furnished the erroneous item to XXXX. This was taken directly from XXXX 's website " For bankruptcy public records collected through XX/XX/XXXX, XXXX obtained information about your bankruptcy from third-party vendor, LexisNexis. XXXX I then again contacted LexisNexis about the bankruptcy reporting on my credit report and there respond was " the item is not on my consumer report ''. Now I'm lost for words. 
Based on XXXX 's website, LexisNexis reported that unverified information to XXXX. The date my credit report was updated by XXXX was XXXX, XXXX, XXXX.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have had my home mortgage with BB & T for several years now. They were not the best mortgage company that I have had- I own several properties- but they were OK. Ever since this company became TRUIST, it has been a nightmare. Their automatic payment site just does not work. For the past several months, I have called into their Customer Service line because I end up in arrears and then I get a {$40.00} late fee in addition to the fact that I have to spend an hour or more on the phone supposedly fixing things. Yesterday, I tried to log into my Mortgage account which is a separate entity from the Banking section. I kept track of the the time, and the little wheel spun for XXXX minutes before I gave up. I never was able to sign in. I tried again later with the same result only I gave up after XXXX minutes. See pic of what this looks like below. If it is not even possible to sign into my mortgage account, how I am going to see what is going on. Customer service keeps telling me that I can pay through them. I have better things to do with my life than to call them every month and sit on hold for goodness only knows how long waiting for a rep to answer. I see no reason why they can not have a method that will take the money from my credit union and put it into their system every month automatically. This nonsense has been ongoing ever since the company became Truist. The government should have some safeguards in place to ensure that Banks can not treat customers like this. The only advantage from their end is that they get to charge an extra late fee of {$40.00} every month. Every other mortgage company I have had ( and there are a bunch of them because they keep selling mortgages to each other ) has had a system that works just fine. Truist has a site that is totally non-functional in my experience. If anybody reading this has a choice of which site they can use to get a mortgage, do NOT choose Truist! You are better off with any other company in my experience. 

Every month it is a battle with Truist because nothing works the way it is supposed to work. This is even AFTER I have been " helped '' several times by Customer Service reps. One of the problems is that after the problem has been " fixed '', it does not take effect for two months so you are still left with a mess for the following month and if you try to fix that, then you have to wait for another two months. It is a never ending saga of things that can go wrong so that they can charge you {$40.00} for being late again.
Consumer complaint received 2022-08-28
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. (MS)

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

15 U.S.C 1681 Section 620 A. States I have the rights 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 2022-03-15
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. (MD)

Did not notify me of the investigation that was endured for my consumer report. I am requesting an audit of full details regarding the investigation of my complaints on my consumer report.