davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Priors, and neither updated response did or, does not comply to ( properly ( claim of ) validated debt ) all requests within several attempts at disputes to invalid debt collection practices ; 1 ) Proof of your right to own/collect this alleged debt. 2 ) Balance claimed including all fees, interest, and penalties. 3 ) Contract bearing my personal signature. Yes, its a FDCPA violation which you insist to report to credit bureaus ; XXXX, XXXX and XXXX to your gain in self agreement that its okay to attack and damage my character validated statement at disputed claim. 

Requests for validation of collection been ignored beyond the refusal, to provide myself ; not presented. I now reserve the right to sue your company for the violation of my consumer rights to alignment myself with both ; FDCPA and FCRA seeking damages if, when warranted with Estoppel defense. Under no sanction if patient ( myself ) was or wasnt provided services by medical provider ( XXXX XXXX XXXX XXXX ) at your company expense ; to an attempt to collect a false debt. Within what obligated rejects, to state against in response the demands of evaluation to disputed accounts : # XXXX ( {$990.00} ) and # XXXX ( {$660.00} ) as mentioned ; in denial to prove valid informative ; at request. 

How could we specify in jurisdiction such amount in complete validated stated We are not in possession of medical records, treatment notes, diagnosis, or any other information that would be considered a HIPAA violation. which to the understanding ; the company been aware of this inaccuracy due to XXXX by Silence. You agree with myself on all grounds of termination of this debt to cease all invalid debt collection practices, damages, including harassment in the response to no resolution ; deletion notices to all credit bureaus, notified of this no later than 15 days. This stops now, or lawsuit processed under no hesitation within discussions in due respect need for received.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

Today, XX/XX/2021, without any warning and without any valid reason, Synchrony Bank closed ALL of my credit card accounts with their institution. I have never missed a payments with any of my accounts and I have never had a late payment with any of my accounts. My credit utilization on all of the credit card accounts is relatively low and my current credit score is XXXX. Synchrony will not answer any of my phone calls and the chat reps only give a generic response. This is predatory lending and bad business practice. This purge of all of my accounts will negatively and severely impact my credit profile as well as my credit scores. I have also filed a complaint with the XXXX XXXX XXXX.
Consumer complaint received 2022-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WI)

On XX/XX/2022, my monthly private student loan payment was due. The student loan servicer is Navient and the payment due was {$770.00}. Unfortunately, I forgot about it and did not make the payment at that time. On XX/XX/2022, Navient called me at XXXX am, XXXX am, and XXXX am. I answered the call made at XXXX, but the caller hung up on me. I immediately called them back to figure out who had been calling me all morning, only to find out it was Navient, calling me about the 6 day late payment. When speaking with the Navient representative, I was told they ( Navient representatives ) are authorized by Navient to call people every hour to ask for payment, which is what they were trying to do to me. I told them to stop calling me and that I believe hourly calls to be a violation of FDCPA and WI 427.104 ( 1 ) ( g ) - communications and collection efforts made with the intent to harass the debtor. I believe it is also improper to call and hang up upon the debtor answering the phone without identification, as they did during the XXXX am call.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Starting in XXXX I began receiving notices that my property taxes were unpaid ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Tx XXXX ). At first I disregarded thinking the mortgage company had paid the taxes but eventually I got worried and call the County Office.  They said the taxes were unpaid. I contacted Dovenmuehle Mortgage regarding this issue ( XX/XX/20 ) and sent them the last tax bill I had received. They did nothing. I have since sent them 5 messages through their website, three emails and called them three times. Each time they said the problem is solved but then I get another bill. Now I got a delinquent Tax Warning from Lawyers ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). I just called Dovenmuelhe AGAIN and I talked to a supervisor ( XXXX, who refused to give me her last name but says her employee number is XXXX ) but she refused to send me anything in writing ( not even an email ) acknowledging that they are taking care of the problem. She also refused to give me an extension number or any other phone number of who to call. She says I have to continue calling the call center ( I have spent at least 10 hours on the phone with them this month ). All she said I can do is wait, which is the same thing I was told last week, and the week before and each time I called. I have emailed the company 3 times and also sent them messages through their website ( 5 times ) but I have not received ANY kind of reply. She has no explanation on why ANY of me " secured '' messages were unanswered. In the meantime my credit history is getting ruined and I have a lot of stress from them not paying my taxes. The money is on my account on escrow, so this is NOT a matter of not having the money.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had a Capital One credit card since XX/XX/2013, and recently received a notice from XXXX, a settlement agent, supposedly notifying me that I am a member of the class in the Capital One Customer Data Security case. That notice is attached. 

The notice was sent to my address, but with a celebrity 's name, the former XXXX player XXXX XXXX ( XXXX XXXX XXXX  ), who played for the XXXX XXXX XXXX XXXX XXXX, instead of my name. 

I have lived at this address for many years, and it is the only address associated with my Capital One account. My name is the only name that has ever been on my Capital One account. I have no connection to XXXX XXXX in any way, shape or form, and am not even an XXXX fan. 

I have contacted XXXX twice by phone at the number provided ( XXXX ) to resolve this discrepancy, and it has refused to assist. Its representatives will only say it sent notices to names and addresses provided by another party. I have requested contact information for that party so I can investigate and correct what appears to be a data entry error, identity theft or fraud, and XXXX has refused to provide that information. It has no information as to how or why a retired XXXX star is shown as living at my address. 

I have also contacted Capital One itself, with the same results. Capital One will not confirm whether or not I am a member of the class, and it can not /will not explain how XXXX XXXX XXXX connected to me. 

I have been the victim of numerous other data breaches as well as a computer hack from overseas, and I take the security of my personal and financial information very seriously. Consequently it is extremely important to me to get to the bottom of this matter. 

If I am a member of the class in this lawsuit, I certainly want what I am entitled to under the settlement.
Consumer complaint received 2021-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

Resurgent attempted to collect a debt they did not own. They filed an abstract judgement on my homestead property. They attempted to garnish my bank account which is not legal in Tx. I got an attorney XXXX XXXX we negotiatedo the debt. I paid on it for 3 years per agreement payment to Attorney XXXX XXXX. They stop cashing my checks XX/XX/XXXX. I called debt collector attourney numerous times no response. Called my attorney no response. I sent another cfpb XX/XX/XXXX # XXXX lawfirm did not respond
Consumer complaint received 2021-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction.
Consumer complaint received 2022-07-11
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. (WA)

I have been submitting multiple written complaints about & to Experian regarding the fraudulent information being reported on my file. The last one being sent to Experian on XX/XX/2022 with complete attachments of my personal information including the Police Report. This Complaint was submitted through the CFPB to inform Experian that I am a victim of identity theft. And the accounts listed below to DO NOT belong to me. I had no idea how they were opened, I did not benefit from them being opened nor do I have any knowledge who opened, how they were opened or any additional knowledge about these accounts. I do believe it was a family member & I did report it to the authorities & am submitting a report from the local police depot where the theft took place. I need the following accounts removed/blocked from my file. I have contacted ALL data furnishers to inform them of the issue as well & they all agreed to block/remove them from my credit. I'm growing tired of Experian 's lack of FCRA laws. I feel they have violated 605 ( b ) not to mentioned 616 & 617 by willfully noncompliance. Please see they are held to the highest legal standard. Please removing the following accounts from my report. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX ... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
DIVISION OF CHILD SUPPORTXXXX  Account XXXX XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 

I'm attaching all the necessary information pertaining to the theft/incident along with identity theft reports, my photo ID & address information.
Consumer complaint received 2022-05-06
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. (MN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXX 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 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I signed up for the Bank of America XXXX XXXX XXXX card ( upgrade ) in XX/XX/XXXX and was told that I have 90 days to spend {$1000.00} to get a {$200.00} cash rewards. However, I have not received the {$200.00} despite spending over {$1000.00} during the first 90 days. 

The reward period is supposed to be XX/XX/XXXX to XX/XX/XXXX but Bank of America 's computer system insists that it ended on XX/XX/XXXX instead ( 78 days ). 

The multiple Bank of America agents I talked to on the phone confirmed that I have spent over {$1000.00} by XX/XX/XXXX [ see attachments ], but under {$1000.00} by XX/XX/XXXX ( the incorrect end date ). They agreed that the date range is incorrect and I should receive the {$200.00}. 

However, the reports that they filed for me resulted in two exact same letters from Bank of America [ see attachment ], stating that the period is from XX/XX/XXXX to XX/XX/XXXX so I am not qualified for the {$200.00} XXXX  XXXX. 

With a fear in my mind that these things would happen, I actually called on XX/XX/XXXX and the agent confirmed with me that I have spent over {$1000.00} and will be receiving the bonus.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

On XX/XX/2021 someone accessed my Coinbase Wallet Transferred all my XXXX  holding to XXXX  then transferred my XXXX  to this external XXXX  account that is not mine : XXXX They stole $ XXXX from my Coinbase Wallet. I immediately locked my account when I discovered this occurred. I have tried to request help from Coinbase by already creating two service tickets and have not heard back from them. I called Coinbase and their support could not help me and told me I need to wait from an email from them and they will only communicate via email. This is unacceptable from a company Coinbases size.
Consumer complaint received 2022-07-11
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. (NV)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a fraudulent charge on my account from XXXX XXXX for the amount of XXXX the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. 
Please remove this from my accounts immediately
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I have contacted Wayfairer several times regarding purchase and they have failed to explain a {$360.00} charge on my account. I was charged {$570.00} on my account for an item I purchased on XX/XX/XXXX which increased my balance from {$460.00} to {$1000.00}. The purchase was on a deferred interest promotional plan that was set to expire on XX/XX/XXXX. Since I did not pay off that item in time I was charged an additional {$130.00} in interest, which I understand. But at the same time that interest hit I was also charged an additional {$360.00} for that same item purchased on XX/XX/XXXX, and Wayfairer has not adequately or fully explained what that additional {$360.00} was for. So by XX/XX/XXXX, Wayfairer has charged me {$1000.00} for {$570.00} purchase I made on XX/XX/XXXX of XXXX. And they won't explain why. As I said, I understand the {$130.00} in interest but I urgently need I need to understand and see where I agreed to be charged and an additional {$360.00} for my XX/XX/XXXX purchase.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I paid XXXX/XXXX  directly and by law, they must recall the account from Convergent Outsourcing , Inc . Therefore, Convergent Outsourcing, Inc. has no legal reason to be reporting on my credit reports and must delete.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a complaint with the XXXX and this affected my ability to get employment. My rights are being violated. Please Help me! 

I asked Transunion to fix this problem I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I would like monetary relief per violation of my rights 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation. 


XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Please fix these problems
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 2021-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX I sent my first dispute letters to all three bureaus XXXX Experian, XXXX, and XXXX  XXXX requesting validation/ verification for the following two XXXX XXXX accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report.

Following my dispute letters TransUnion removed the two accounts from my credit report. Experian and XXXX  continued to report inaccurate information. 

XX/XX/XXXX a letter from the XXXX Municipal Court XXXX XXXX District of PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived. 

I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation XXXX exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above. 

XXXX XXXX XXXX is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore Experian, XXXX, and XXXX  are liable for violating FCRA 15 usc 1681. 

I have never received communication from XXXX XXXX XXXX stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc 1692
Consumer complaint received 2022-06-29
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. (TX)

On XX/XX/2022 I put in a complaint with CFPB on TransUnion for reporting a debt that does not belong to me. That same very day, XX/XX/XXXX, they went into my credit file and reduce my credit score by XXXX points saying it was because I had XXXX accounts that reduced balances and XXXX account that increased. Then 5 days later, XX/XX/XXXX, they reduced my credit score again, but this time by XXXX points, stating that a credit card decreased balance and one credit card increased. Then on XX/XX/XXXX, 3 days after the last decreased of my credit score, TransUnion decreased my credit score again by XXXX points, stating a decreased in a credit card and one increase in a credit card was the reason. 
This is truly done out of spite to me, as it is malicious and discriminatory. This hurts my credit with any creditor and causes me to have to pay higher interest. They not only are doing this deliberately, because they have decreased my credit score by almost XXXX points, I am in jeopardy of losing or being declined for my home mortgage. 
This is a willful and deliberate act by the credit bureau. See attached.