davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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)

n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX  Account # XXXX 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 an account without my written instructions
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (IL)

This account was paid and closed in XXXX. The credit report updated on XX/XX/2021 to show that the balance of {$170.00} was closed and paid. Today on XX/XX/XXXX I received an alert and a credit score drop due to the account showing that I have a {$170.00} increase on my credit report for Self Lender. There should be no increase as this account was paid off and closed 2.5 months ago. I have attached proof of documentation..
Consumer complaint received 2018-12-15
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. (FL)

On XX/XX/2018, XXXX pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
Consumer complaint received 2021-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (NC)

I have two accounts with American Credit Acceptance. One was for a XXXX XXXX that was involved in an accident and there was a total loss claim. There was no GAP insurance on the car. However, I was able to get another car, a XXXX XXXX XXXX with the same company. While the other was a total loss claim, I secured the new car and made payments. However, the company in question has been applying my car payments to the XXXX instead of the XXXX. They have been contacted on numerous occasions about this issue and it has yet to be resolved. I now face additional credit reporting issues and past due payment contact that is also affecting my wife as she is a co-signer on the XXXX. A company representative named XXXX, advised that they apply the payment to the first car that shows in their system. In this case it would be the XXXX. However, on XX/XX/XXXX, I called again to get this issue resolved and was advised by another rep that the XXXX account was sold to XXXX XXXX XXXX XXXX, who can be contacted at the number XXXX. However, if the account was sold to another collection agency, then American Credit Acceptance should not be applying my payments on my XXXX to the XXXX. In addition, The XXXX XXXX XXXX has never provided me with a debt validation letter with regards to the XXXX. In fact, I just found this was referred to a third party collection agency.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that REGIONS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-05-18
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. (FL)

I have had XXXX XXXX XXXX from XXXX To which I was XXXX for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc. (OK)

I received a letter from Nationwide Credit and Collection regarding a debt owed to XXXX  XXXX XXXX XXXX. I am employed by this company and did not receive notification of owed debt until I received the collection letter from Nationwide. A call to my employer, XXXX XXXX XXXX XXXX, and complaint regarding the debt collection tactics was made. My employer offered to waive the debt if my supervisor would send a letter to our billing department. Who has time for that? I paid the {$50.00} and asked that, in the future, they please invoice me prior to sending me to collections. Payment confirmation # is XXXX.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

FAIR COLLECTIONS & OUTSOURCING, INC.has placed a negative collection item on my XXXX credit report for {$4800.00}. I have never had any contracts with Fair Collections & Out or any of their clients. FAIR COLLECTIONS & OUTSOURCING , INC. has harassed me with numerous phone calls as well as emails on a daily bases. They are reporting inaccurate information on my credit reports and have failed to validate any debts that they claim that I owe. This collection is erroneous and does not belong to me. I am requesting the immediate removal of this erroneous account which is date XX/XX/2020.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

Follow-up information was requested from Equifax ( original complaint # XXXX ) to forward from me to Equifax by mail. As you can CLEARLY SEE in attached file copy of letter submitted letter sent by Equifax is not only confusing it is contradictory as it provides XXXX different XXXX XXXX XXXX to provide documentaion to them.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} Had no choice but to be admitted because of life or death situation. 

I refused help but was given it anyways Goodwill deletion. 

XXXX XXXX XXXX Goodwill deletion Affected due to Covid-19 as well as the motor went out
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

after viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own. DEBIT COLLECTION NAME, XXXX XXXX XXXX  ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Consumer complaint received 2021-03-22
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. (IL)

I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX  response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all 3 bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX Bank was sold to XXXX XXXX. As of last week XXXX XXXX forwards all call to XXXX XXXX, XXXX XXXX reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX  XXXX.
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

Mortgage Company is TIAA/XXXX  I have paid off my mortgage and am trying to get a satisfactory letter so I can sell my house. 
On XXXX XXXX received a payoff letter stating a satisfactory letter would be sent to the county. My settlement date was XXXX we,XXXX but was postponed until XXXX XXXX because the title company can not get a copy of the Satisfactory letter. Could someone please tell me is this customary. 
Is there a legal timeframe when such letter should be sent to the county? 
Thank you
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (AZ)

WE began a loan refinance with cash back. Loan Depot was the lender we were working with. They promised the loan would close the first part of XXXX. I had troubles with them with communication and the whole process. They were not quick to respond nor did they get information to me in a timely manner. WE finally closed the loan on XX/XX/2019. Today is XX/XX/2019 and they have yet to release funds to pay the current mortgage nor some of the credit accounts that were being paid off. I requested that a manager contact me on XX/XX/2019 and I still have no contact from them. Everyday they delaying in paying it is costing me more money. What can be done?
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

Delta Reserve Card had a sign up bonus offer of : XXXX Delta Skymiles + XXXX Delta MQM ( Medallion Qualification Miles ). I previously owned the Delta Platinum card, and I wanted the Delta Reserve one, which is a tier above the Platinum one. I called and was told that I could just UPGRADE my existing card to the Reserve, and that I would still get the sign in bonus, so I did the upgrade. The next time I called, I was told I WOULD NOT get the bonus since I had upgraded instead of signed up for a new one. I was obviously very frustrated by that and asked how that could be fixed, and AMEX told me they could just UNDO the upgrade and then I could just sign up for a new Delta Reserve card, and that I would get the full sign up bonus. So that is what I did, once more trusting what AMEX personnel were telling me. After I hit the minimum spend to receive the sign up bonus, I noticed I did not receive any bonus at all, so I called AMEX again, only to be told that I would NOT receive any bonus whatsoever, SINCE I HAD ALREADY OWNED A DELTA RESERVE CARD PREVIOUSLY (??? ). I created an incident ticket with them and they investigated it and listened to all my previous support phone calls again. They then came back to me and said they were awarding me the SkyMiles, but that they " had no way of awarding me the XXXX Delta MQM Miles ''. 
I called Delta, and they contacted their AMEX liaison, and double checked that YES, AMEX COULD award me those XXXX Delta MQM miles. Side note : if you try to buy XXXX MQM miles from Delta 's web page, those are worth {$3000.00} USD. This is why this is a VERY important part of the bonus for me. 
With that data in hand, I called AMEX again and createad a new incident ticket, was asked to wait up to 4 weeks. 
Waited, called again, asked to wait 2 more weeks again. Please not that every time I called them I had to explain this whole story again and waste at least 40 minutes of my time per call. 
Called again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX they promised me they would call me back in 5 business days, which they did not. At this point I was 100 % sure they were just stalling and trying to win by making me tired of this whole process, so I had to appeal to you guys.
Consumer complaint received 2021-08-11
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)

XXXX XXXX XXXX XXXX has reported an outdated balnce to 3 CRAs since XXXX. XXXX XXXX reports the alleged debt as collections. XXXX XXXX has not provided written contract with my signature. The alleged amount has been paid by the federal government and this company is trying to collect the same amount from me. On or around XX/XX/XXXX, I requested a reasonable review within 15 days to remove the derogatory remark. The last letter I sent was to its PO box in XXXX, Florida. I have not received a response from the company within 30 days of receipt of my debt validation letter.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

SINCE XX/XX/2015, XXXX XXXX PLACED A SECURITY FREEZE ON OUR CREDIT FILES, AND AS A RESULT CAUSED OUR BK XXXX THUS VIOLATED THE F.C.RA. 15 U.S.C. Section 1681g as well as the Dodd Frank Wall Street Reform & Consumer Protection Act, Title x by not answering the CFPB.GOV PORTAL COMPLIANT CORRECTLY.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Date : XX/XX/XXXX {$7700.00} I have provided Bank of America with extensive information to validate I am a victim of identity theft and that the credit card account ending in XXXX is not mine. Even though Bank of America 's investigation confirms that XXXX separate fraudulent accounts ending in XXXX, and XXXX were opened in my name and were used with the fraudulent Bank of America credit card ending in XXXX they refuse to delete and suppress the account from my record. 

Bank of America concludes that the XXXX is valid based on transactions made to the XXXX XXXX XXXX XXXX and XXXX Card, however, both of the accounts at those institutions were closed and updated accurately on my credit reports once the research revealed my information was compromised due to the XXXX XXXX XXXX and XXXX data breach which I was a victim of. Bank of America was provided with FTC and police reports confirming these findings. 

Based upon the XXXX and XX/XX/XXXX statement for the XXXX Bank of America has provided me with, a vast majority of the transaction occurred in XXXX XXXX and parts of New York I have never resided in. I have also provided Bank of America with valid proof of residency that match what is reflected on my credit reports.
Consumer complaint received 2021-02-21
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: Santander Consumer USA Holdings Inc. (CA)

Hi - I hope all is well. I am being harassed by Santander bank. Santander decided to intentionally remove my payment history after my class action settlement offer. This dropped my score 30 points. This is not the first time that they have altered my charge off trade line to drop my points out of nowhere. I have contacted them to correct this and they claim there is nothing they can do. 

Santander is in the midst of a lawsuit for their illegal business practices and intentionally reporting wrong info to CRAs yet they are still trying this with me. Please remove this account to remove the harassment from my life. 

Santander is also reporting the account differently to each CRA. Below are the dates the account is being reported to each CRA. 

XXXX : XX/XX/2017 XXXX : XX/XX/2017 XXXX  : XX/XX/2017 I have a postcard from my class action settlement which they have yet to settle and supporting paperwork for everything mentioned above. Thanks in advance and I look forward to hearing from you soon.
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (TN)

In XX/XX/2018, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX ), a healthcare provider, sent a letter requesting a payment for {$3700.00} for prescription services rendered to me from XX/XX/2016 - XX/XX/2017. It appeared this one-time healthcare provider was paying my medical prescription without my knowledge or approval. Since I left the company in XX/XX/2015, my new health insurer, XXXX/XXXX ( XXXX XXXX XXXX, XXXX, Arizona XXXX ), should have taken over with my healthcare needs.

In an attempt to resolve this matter with a XXXX XXXX financial representative, I asked a very important question as to why their company accepted the billings from a pharmacy knowing full well I was no longer a client. I was not able to get an answer. I explained to the representative I would do everything in my power to contact my current healthcare provider and find resolution in paying this debt.

I filed a medical reimbursement claim with XXXX/XXXX, including a background history of the occurrences and any monies being paid should go directly to XXXX XXXX, and not to me since I refuse to pay for services in which XXXX/XXXX should be providing.

After a lengthy battle with XXXX/XXXX, the healthcare provider finally made good on XX/XX/2018 and paid XXXX XXXX {$2900.00}. There is still a dispute of {$810.00} being owed and I am in the process of resolving this.

However, as I worked tirelessly in resolving this matter, it was brought to my attention XXXX XXXX transferred the disputed amount over to a collection agency ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ). In turn, XXXX XXXX XXXX XXXX filed the attempted collection with the credit agencies, XXXX and XXXX. This reporting has severely damaged my credit scores. On top of this, XXXX XXXX XXXX XXXX initiated 10 separate claims, each claim with a different amount, to make it difficult for me to file a dispute with the credit agencies.

Although this was deterrent for me to file a dispute, I did so anyway. I just received the results from XXXX today ( XX/XX/2018 ). After forwarding my disputes to XXXX XXXX XXXX XXXX, the findings of each claim made by them still stands even though a payment has made to their client, XXXX XXXX.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own DEBIT COLLECTION NAME, XXXX XXXX XXXX, ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Consumer complaint received 2018-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC (MD)

i received a letter via usps from big picture loans stating that i am pre-approved for a loan - " myname -- is PRE-APPROVED '' " YOU'RE ALREADY PRE_APPROVED '' " GET MONEY AS SOON AS TOMORROW '' however - after visiting the web site www.bigpictureloans.com - i find out that when entering my personal information - i am not pre approved at all - then they process a hard inquiry on me which has a negative impact on my credit score - their offer is a lie and is a fraud attempt to get one to go thru a process that demonstrates that one is NOT pre-approved at all - they should be made to change all their claims to read - pre-selected for final credit approval dont fall for this