davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (AL)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP (IN)

I purchased a new car XXXX in XX/XX/2018 at XXXX under contract with Honda Financial services and with an account number XXXX. 
- During my monthly payment for my car, my credit scores up to XXXX - After that, I paid off my car in earlier of 5 months. When I checked my credit scores, it was dropped to XXXX... 
I don't know why my credit scores going down? please help.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XXXX, postmarked XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, XXXX XXXX of Texas as well
Consumer complaint received 2020-05-27
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. (NC)

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (FL)

YOUR COMPLAINT I paid my debt to XXXX XXXX in XXXX to XXXX. I called them and verified that all debts were paid. Balanced Healthcare receivables & XXXX XXXX XXXX XXXX sent two claims stating a balance due to collections. When contacting the hospital they are saying that I did not owe anything. Notified the collections company. I feel this is fraud by either the hospital working with the collections companies. 

I worked with XXXX XXXX  in creating payment agreements to pay my bills. Attached are screenshots and verification of payment, documentation of XXXX balance Company 's Response ( Balanced Healthcare receivables , llc ) BHRLLC reached out to our client to confirm the balances in our office. Our client XXXX XXXX reviewed and they are showing the same balances that we have in our office, they have requested any additional information the patient might have. We have the accounts as disputed in our office. Clients review : XXXX XXXX XX/XX/XXXX {$340.00} : Per the EOB, patient responsibility is {$1000.00} and shows a total of {$650.00} paid leaving {$340.00} balance. XXXX XXXX XX/XX/XXXX {$520.00} : Per the EOB, patient responsibility is {$1000.00} and shows a total of {$470.00} paid leaving {$520.00} balance. XXXX XXXX XX/XX/XXXX {$400.00} : Per the EOB, patient responsibility is {$400.00}, and no payments posted to date. 

What I have found out in addition? 
XXXX XXXX does not exist! We do not have a hospital with that name in XXXX, Fl. Documents received look very shady, no contact information is visible. 

XXXX XXXX suffered a databreach in XXXX https : XXXX I think this is fraud being claimed. I'm also contacting XXXX XXXX security team regarding this matter.
Consumer complaint received 2023-02-23
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. 

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 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 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Complaint : billing and payment regarding property at XXXX XXXX XXXX loan number ending XXXX. 

On XXXX I received an answer to my complaint where it was noted by XXXX XXXX that an amount of {$3500.00} was due.I attempted to make payment for XXXX and XXXX regarding this loan however the website wont allow payment. Ive reached out to my XXXX  for over two weeks before a response was made. In addition the portal to make payments, stated there is a payment stop on my account. 

XXXX, and XXXX payments were made to XXXX  per our modification agreement ( see attachment ) I had no problems until Shellpoint took over in XXXX I am more than willing to proceed with the payment for XXXX and XXXX total XXXX and proceed with such going forward, however, Shellpoint sent over new modified documents to my residence assuming I would sign a new agreement but I am not obligated to sign new terms, because under the fair debt collectors practice act I want my agreement with XXXX  servicing to stand. I have no interest in paying other fees and inflated monetary request. Shellpoint assumed a loan that was already with terms and that should be honored. I await a response regarding this matter preferable by email. Im respectfully asking for guidance to pay my monthly debt so I can move forward and you can too. Im only writing this complaint because it appears responding to customers is not a priority but you respond to complaints so here are. 

In addition, please validate that my modification was not completed by XXXX servicing, my documents states it was approved and payments were being accepted since XXXX. 
I am requesting proof that it wasnt completed with the private lien holder. 

Lastly, please see all proof of payment attachments, including response letter from XXXX XXXX acknowledging the modification with XXXX  servicing.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

I have reached out several times and even included the XXXX and they never could get the to respond including XXXX XXXX XXXX. No one has ever been able to reach anyone or get a response. I have been trying to let the company know that I am unable to work due to medical issues and have been placed on XXXX XXXX XXXX by my work due to my XXXX orders. I was informed by Citizens Bank ( which can not do anything bc the Citizens Pay dept is a separate company they explained ) said they do have some kind of program for people who have this exact issues and can even charge of remaining balance with benefit protection.
Consumer complaint received 2023-02-23
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. (TX)

Equifax continues to allow XXXX to furnish inaccurate information to my credit file. Acct. # XXXX. Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is over half a year difference. Due to reporting inaccurate information I want the account deleted. I am showing proof of the inaccuracy directly from my credit report.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

XX/XX/2023 When calling the Experian customer service, my credit report is not available to me online and the password reset option does not save the last password I've entered. I was asked for my social security number and they used it to apply for a car loan. The credit reporting service did not assist me in logging in properly, there is no acess online for disputing the added information to my credit report and they have added collections which interfere with my housing. It is causing a trafficking situation.
Consumer complaint received 2023-01-14
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: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX, I made a purchase at XXXX XXXX for XXXX on my PayPal Credit account. I returned all items on XX/XX/2022. PayPal credit never refunded my money. I contacted them in XXXX and filed a dispute and they said it would take at least a month to investigate. Supposedly I had paid XXXX toward this bill. I contacted them again in XXXX and they said they had no record of such disputes and theyd put it in again. I contacted XXXX who send me the copy of the return for PAYPAL CREDITs system. The returns were made in 3 different transactions that totaled the XXXX. XXXX. I sent in this information to PayPal by both fax and email. When I STILL didnt have the credit in XXXX I filed an FCC complaint and then the next day I got my credit returned. I just looked at my account and on XX/XX/XXXX I was charged AGAIN for the XXXX. I just called PayPal Credit and they said they were sorry but they found the dispute in favor of the merchant. The merchant sent me the record from PayPal so there is no way this is true. I am being charged for a return I made. PayPal has the info I sent them plus they have the return in their own system. I need this back off my account immediately.
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

on XX/XX/XXXX I had learned that my account was charged twice in the month of XXXX for my XXXX XXXX XXXX. I spoke with XXXX from XXXX at XXXX on XX/XX/XXXX his phone # XXXX. XXXX stated that I was charged twice because my insurance increased because they added my husband to my policy. I told XXXX that my husband does not drive my vehicle that is why I did not add him and we were going threw a separation. I also stated even if my policy did increase why did it charge me twice in the same month and I was told it is how days fell on automated service they have for when next payment was due. I stated to XXXX it put my account into a negative balance because of the double charges, I have my bills and there amounts on automatic payments based on my check payments. At that time I asked for them to correct the problem and they would not. So since they did not correct the problem I asked for my account to be closed and I would find another insurance provider. My account was closed and I assumed issue was resolved. On XX/XX/XXXX I received an alert on XXXX XXXX  that I had recently purchased to monitor my credit activity that a new collections was added from a collection agency Caine & Weiner in the amount of {$380.00} from XXXX. I did not receive any any information about debit or why it was owed. I called XXXX from XXXX  at number above left several messages and have not received a call back. Because of the mark on my credit score it has affected my ability to obtain the mortgage for a new home.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

On XX/XX/XXXX My NETSPEND ACCOUNT WAS SCAMMED ..... I IMMEDIATELY CALLED NETSPEND TO TELL THEM THE UNAUTHORIZED TRANSACTIONS WASN'T ME. I WAS TOLD I HAD TO PUT IN A CLAIM WHICH I DID BUT BEFORE ANY MY ACCOUNT WAS SCAMMED SO NETSPEND BLOCKED MY CARD NEVER THE ACCOUNT BECAUSE ALL WEEK I HAD UNAUTHORIZED TRANSACTIONS WHICH I CALLED EMAILED ETC TO EXPRESS THE UNAUTHORIZED TRANSACTIONS AS WELL AS HOW IS MY FUNDS STILL BEING USED WITHOUT MY KNOWLEDGE ESPECIALLY EXPRESS I HAVE BEEN SCANNED AND ALL TRANSACTIONS WAS FRAUD .... I DEFINITELY EXPLAIN EXPRESSED BEYOND MEASURE NOW NETSPEND NOT GIVING ME ME REMAINING FUNDS AS WELL AS MY RECOVERY FOR ALL THE CLAIMS XXXX... WAS TAKEN NETSPEND SENT ME CLAIMS WITH THE AMOUNT .... THERE PLAYING MAJOR GAMES.. I NEED MY FUNDS AS WELL AS MY RECOVERY ... ..THIS IS TOTALLY UNACCEPTABLE TOTALLY UNSATISFIED ... ... .I NEED IMMEDIATE ASSISTANCE ...... PLEASE
Consumer complaint received 2023-01-12
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. (CA)

I received your response in my complaint # XXXX and XXXX the one who submitted a complaint on XX/XX/XXXX. This account XXXX XXXX XXXX  is reporting on XXXX and Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX  & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX  & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me. 
XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$26000.00}
Consumer complaint received 2023-01-12
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: SYNCHRONY FINANCIAL (VA)

Tried to contact the companies in question and was told to contact the credit reporting agency.. when contacting the credit agency the passed the buck back to the company!!!! Im getting no help with this ongoing issue
Consumer complaint received 2023-03-02
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I received a letter from I.C. System Inc on XX/XX/2023 regarding a debt from XXXX that I did not recognize. I sent a letter back to I.C. System Inc on XX/XX/2023 advising that I did not recognize this debt and wanted them to provide a verification of the debt within 30 days. I have not heard anything back from I.C. System Inc since then. I contacted XXXX, which is where I currently have my service, and they had no record of this debt in their system. I put in the letter to I.C. System Inc that I didn't want this to go on my credit report and wanted to avoid that at all cost and wanted to get this resolved before then. Debt Acct # : XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with XXXX  over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.
Consumer complaint received 2023-01-12
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. (CA)

This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

My car was totaled in an accident. The insurance company handling paying off the car after the accident, called Santander Consumer USA on XX/XX/ and was told by Santander that they would not give them the Ten Day Payoff Request. Santander told them that I, account holder with them, would need to call Santander and have them send the Ten Day Payoff Request to me and then I would have to forward that to the insurance company. When I called Santander ( on XX/XX/ ), they told me that they could not send me the Ten Day Payoff Request and that the insurance company would need to contact Santander about getting it. I explained to Santander that they had told the insurance company that I would have to call and they said that was wrong. Santander said the insurance company handling the payoff would need to contact Santander and file a claim with Santander on the car and that the insurance company would need to provide a copy of the police report, the evaluation done on the car, and the settlement amount before Santander would send them the Ten Day Payoff Request. I was also told by Santander that I should continue making car payments as once the Ten Day Payoff Request was submitted to them it might take a while ( no time frame was given ) to process the request and payoff. No timeframe was given on how long Santander would take to process the payoff but the representative made it sound like I would need to make more than one payment between now and when the request/payoff was processed. They told me I would be reimbursed for any payments. I provided this information to the insurance company. The insurance company called again to try and speak with a supervisor. I do not know what date they called the second time but was told they are still having issues with Santander providing the Ten Day Payoff Request.