davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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: Navient Solutions, LLC. (AL)

My complaint is that Navient Department of Student Loans Servicing are reporting inaccurate balances on my credit report. In XXXX I was attending college using my post XX/XX/XXXX VA benefits, but by error, only 80 % of my tuition was being covered. A reimbursement check was sent to the school on XX/XX/XXXX to cover the remaining 20 % of tuition that was paid by me using student loans and Pell, as I am eligible for 100 % tuition coverage. Right now, I still owe Navient for student loans that were taken out and paid to XXXX XXXX  on my behalf, even after the reimbursement by the Department of Veteran Affairs. I have included the ledger card provided by the school showing where the school has been reimbursed to this dispute letter. I was advised by my financial aid advisor to contact Navient student loan servicers and again by Navient to contact XXXX XXXX  financial aid advisors. These balances are inaccurate and I am requesting they be removed immediately from my credit report. 

I have attempted to contact all parties involved but was unable to get my issue resolved. I was only referred back and forth between the college and the loan servicers. I also placed a mail in dispute to XXXX requesting the balances be deleted due to inaccuracies but have not received a response in over 90 days, which is well over the time they have to investigate and provide me with accurate and original copies of proof of balances. I have included all documents showing my efforts to resolve this issue before filing this complaint, to this complaint
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

never received any letter in regardint debt before it went to collection now i have company calling me multiple time a day and my credit report show them now saying that i owe them {$1800.00} and anothe one for {$73.00}
Consumer complaint received 2022-06-28
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. (AZ)

Ive disputed a few times with Experian that I paid off my credit card account. The first time in XX/XX/2022 that they updated my account that it showed I had a {$0.00} balance remaining but wasnt showing paid!. Then the second dispute they just deleted the account on XX/XX/2022 causing my credit score to drop. I paid off a total amount of {$2000.00}. Ive also received from the creditor a satisfactory of judgment letter.
Consumer complaint received 2022-06-27
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. (FL)

I have attached 4 highlighted accounts which are all reporting inaccuracies to my three credit bureaus, dates are incorrect, amounts are incorrect and they are violating the FCRA by reporting these inaccuracies to all three credit bureaus.
Consumer complaint received 2021-11-03
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: HYUNDAI CAPITAL AMERICA (NM)

1. I went to the XXXX XXXX XXXX XXXX dealership ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ) to look at the new models on XX/XX/XXXX. 
2. A sales agent talked to me ( XXXX XXXX ) and requested basic information about name, phone, etc. 
3. On FOUR occasions during our talk I stated emphatically that I did not want a " hard pull '' or any attempt to obtain my credit report, as this would impact my credit rating and Fico score.

4. She agreed each time and directly told me she would not take a credit report or a hard pull that affects credit.

5. Nonetheless, she gathered enough information so that she indeed DID, deceitfully, obtain my credit report.

6. She further shielded this by NOT giving me any credit numbers, but saying I was " approved. '' 7. On returning home, I did of course discover on my various credit-following apps that there had been a credit reported pulled, AND that my credit score diminished.

8. On phoning her back the next day, she again DENIED that she had done it, or that my credit rating was affected in any way!

9. I was told that the sales manager ( XXXX XXXX XXXX XXXX XXXX ) would " get back to me. '' No one has since that day. 
10. I contacted the owner/president of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and described the situation. I have not had any response. 
I am in the process of trying to have the consequences of this illegal and deceptive action reversed at the credit bureau, but there is no resolution at this point.
Consumer complaint received 2021-10-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

Hello, I requested validation of an alleged debt from Security Credit Services on XX/XX/2021. I then responded back via certified mail requesting validation. 

This was not honored. I have not received validation after 2 attempts which span over 2 months. This is against the law. 

In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect.. 

Furthermore, A collection agency by the name of XXXX XXXX XXXX sent me a letter to collect on behalf of Security Credit Services stating that they now own this alleged debt and that they will now be solely responsible for perusing it. However, Security Credit Services continues to correspond with me illegally. 

They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reports while this account is in the validation stage Yet they continue to report it unlawfully. 

I wont this alleged debt off of my credit reports immediately.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (AL)

I have tried to contact XXXX, Equifax, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX Bank and XXXX XXXX XXXX XXXX ( Both FIVE STAR ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. XXXX XXXX  Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of The XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX Bank and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : 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  The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, Equifax and XXXX.
Consumer complaint received 2022-06-28
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. (MI)

They following inquiries were not authorized and not recognized : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-01-26
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. (AL)

I would like to have the below listed inquiries removed from my credit report. These inquiries were not authorized by me! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-07-18
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)

XXXX XXXX XXXX XXXX sold this assumed Debt to XXXX XXXX XXXX, which they then have since been reporting a collection to my consumer report. This was done with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. 


Original assumed Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX has violated my Consumer rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )
Consumer complaint received 2022-08-04
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-11-03
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 — Problem with personal statement of dispute
Company: Sequoia Financial Services (CA)

I had a medical insurance through XXXX ( XXXX ) which published contracted rates for the associated medical providers. When I received the medical service, both the provider ( XXXX XXXX XXXX XXXX LA - XXXX ) and XXXX, who listed the provider in its network, committed a fraud by charging me the rate much higher, than listed in the contract. I disputed the charge and agreed to pay only the price listed on the contract. I did pay the amount due to XXXX promptly, as I was waiting on the resolution. XXXX violated many of their own rules, including failing to notify me in advance if my charges will be different than the contracted rates with the provider, billing the lesser amount than the " XXXX XXXX XXXX '' and others. As I was waiting for XXXX 's reply to my complaints, XXXX passed my " outstanding balance '' to the collection agency, the Sequoia Financials - SF. I believe there is a collusion of at least 3 business entities ( XXXX, XXXX and SF ) to avoid paying claims and charge patients extra amounts in violation of the agreed rates. SF reported my " debt '' to XXXX ( XXXX ), the credit reporting agency, that since then has reduced my credit rating directly affecting my previously excellent credit score. This is a direct material loss that I have experienced by XXXX 's action. The total " debt '' amount is about {$500.00}, and I have been paying monthly much higher balanced. This is the matter of fraud committed against me ( and potentially other patients ) by XXXX, XXXX and SF. I have to add XXXX also to this axis of fraudulent actors because they failed to impartially investigate my numerous complaints that " bad debt '' was manufactured by XXXX and sold to SF. Moreover, XXXX gave me the wrong address to forward my complaint to the regulator agency. I can provide all supporting documentation. I ask that the fraud by XXXXXXXX-SF-XXXX be investigated by the appropriate regulatory agencies, administrative actions be taken, and that any and all fraudulent charges be removed from my account and my credit score status be re-instated.
Consumer complaint received 2022-02-06
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 (MI)

I purchased a service from a fraudulent company. Capital One finally issued a partial credit for misrepresented services that were never delivered. I received no receipts from XXXX XXXX, an affiliate of XXXX XXXX. I worked with Capital One for several months. Most of the time the representatives were in the XXXX. Initially, they claimed they did not receive the info and docs needed. Then after delivering said docs via fax and email several duplicated times, they then said too much time had passed to help me. These poorly trained 'out-sourced ' contractors seem to always have an alibi for not performing in my best interest. They did, however, credit my account for 2 of the 3 fraudulent transactions : merchant misrepresentation and delivering no useable results. Why not credit my account for all three fraudulent charges? Good question. To make matters worse they had the gaul to say, even at the supervisor 's level, to put the blame on XXXX XXXX, even furnishing me with their XXXX #. I have both employee name and ID #, as well as the supervisor 's. When I called XXXXXXXX XXXX I was informed by another person in the XXXX that Capital One 'does their own thing ' and XXXX XXXXXXXX has absolutely nothing to do with Capital One disputes. 

Hoping to finally get some help with the 3rd dispute, having been a loyal card holder for at least a decade, I now find myself searching for a more reliable XXXX XXXX or XXXX provider. Over the past several years I have never had such a long drawn-out hassle getting monies credited back to my account after falling for scams seen online. Please help me get my lousy {$35.00} back. Capital One used to be much more card holder friendly. You may refer to Capital One Case : XXXX. XXXX XXXX with account number ending in ... XXXX. I am so glad we consumers can still find help when others try to 'step out of line. ' Glad to see tax dollars go to good use. Thank you!
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (IL)

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records. 

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}
Consumer complaint received 2023-03-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

In XX/XX/2022 we did not adjust our payment to reflect the new escrow amount. I was setup on autopay through XXXX. I caught it in XXXX and called Lakeview Loan ServicingXXXX XXXX They stated that we missed the payment completely and gave me an email address to send my concerns to. I did that and they said that the payment was put into suspense and I owed {$230.00} to get it current and they would release the suspense payment. I made that payment on XX/XX/XXXX. They still say I am one month behind, but I am not. I think I still owe them {$500.00}. I have had repeated conversations with them and lots of email correspondence. I have provided all my bank statements showing that I paid every month all the way back to XX/XX/2022. Our credit is getting hit negatively every month due to this issue and I can't seem to get someone to help me. My credit score has gone down XXXX points to to their inability to resolve this issue. Please help me!
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I sent nca i debt validation letter on XX/XX/XXXX. They requested more time. I also sent them a complaint on XX/XX/XXXX, and they requested more time. They did not provide me any proof of this alleged debt. How can they say I owe a debt when they have no paperwork or any contract with my signature? Nca needs to delete this alleged debt today from all credit bureaus. They have had plenty of time to come up with the documents.
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC (GA)

Upon checking my credit using XXXX XXXX, I noticed a delinquent account from Nationwide Recovery Services for an amount of {$240.00}. The account information states that it was opened in XXXX of 2021. I check my credit regularly and have never seen this attempted collection on my account before, nor do I know what the charge is for. The original creditor is XXXX XXXX XXXX by XXXX. I did not receive any communication from them in regards to this charge prior to the opening of the XXXX account. 

I contacted Nationwide Recovery Services twice for more information about this account. The first representative was unable to locate the account. They searched their database using my social security number, my first and last name, just my last name, and any addresses that may have been associated with me. None of my information had any accounts associated with it. The second representative was also unable to locate the account. I believe this account has been incorrectly linked to me. Because it's not linked to me, I'm unable to even pay the balance and prevent the delinquent account from appearing on my credit report.
Consumer complaint received 2021-11-03
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. (MS)

XXXX XXXX is inserting the same account numerous times to my credit report as a harassment tactic. I have asked XXXX, as well as XXXX and Experian to investigate these inaccuracies through certified mail on three attempts ; to no avail. XXXX shows the same XXXX account 3 times, while Experian shows the XXXX account 2 times. I have tried to resolve this numerous times. I am being denied for credit because my credit report shows there are too many collections.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a new card with Bank of America for a balance transfer. It took BoA a number of months to show the transferred balanced. Finally BoA sent a statement in XXXX that indicated not only a balance but a late charge. 

I paid the total immediately using my chase account as well as the XXXX balance so this would have been less than 30 days after BoA claims I missed a payment. I also configured autopay at this time. 

BoA waited another month and then reported XXXX as 30 days past due! I discovered this when they sent a letter indicating they were reducing my limit. This gave me an artificial high utilization and the combination destroyed the excellent credit rating I've carefully cultivated for years chopping it to a 'good ' overnight. 

Since BoA was unwilling to fix the score I contacted two of three major credit bureaus. XXXX 's dispute mechanism seems to be broken. XXXX refuses to correct my report, siding with BoA despite my ability to show proof of payment within XXXX. 

It is impossible for a payment in XXXX to be 30 days late from a bill BoA claims was due in XXXX even if they had actually sent me a bill to indicate a payment due in XXXX ( which they did not ). 

This is BoA up to their now notorious anti-consumer tricks, manufacturing late fees and destroying people 's credit to keep them XXXX.