davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (VA)

I recently obtained a copy of my credit report which was 30 days ago and i seen a lot of medical debt reporting to my credit report and as allowed under the Fair Debt Collection Practices Act, I sent out a variety of letters requesting the credit bureaus to allow me to validate the alleged debt. Also told them to provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  that is located in XXXX, VA to release my medical information to a third party or any other Collection agency 's. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Also told the credit bureaus to provide a breakdown of fees including any collection costs and medical charges - Also told the credit bureaus to provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar   verification is unacceptable. 
i also told the Credit bureaus that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. As of today which is XX/XX/XXXX I have not received any respond letters from either credit bureaus
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> I requested lawful verification to validate NETCREDIT proof of claim. To date I have yet to receive any lawful verification or any original documentation in support of their claim. I am a consumer a natural living man and i have XXXX given rights and rights under the FDCPA, FCRA and other applicable laws. Transunion is in violation under the FCRA reporting unverified information on my credit file. I hereby put Transunion on NOTICE of their dishonor violating my consumer rights under the FCRA for failure to lawfully verify information reported by XXXX. If Transunion do not remove or delete unverified information from my credit file after notifying Transunion of such unverified information. Transunion will be in violation under the FCRA for willful noncompliance and/or negligent noncompliance under the FCRA. This is your FINAL NOTICE to remove or delete unverified information from my credit file or I will file a federal lawsuit or arbitration to resolved harm caused.
Consumer complaint received 2021-03-10
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. (TX)

Experian representative told me I had to contact each company myself to get 7 fraudulent/unauthorized inquiries removed from my credit report. Fair credit reporting act states that the burden of proof belongs to the credit bureau. That means that by law, he should be the one to prove the data I have disputed as legitimate and if he cant then it must be removed from my report.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I have had a first and second mortgage with Colorado Housing and Finance ( " CHAFA '' ) XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy. My mortgage was not discharged and subsequently the delinquency was included in a promissory note in XX/XX/XXXX. 
I have made ALL my payments for my 1st and 2nd mortgages. However, CHAFA has not provided a 1098 for my first mortgage for XXXX, nor do they provide a monthly statement of my first mortgage, nor to they report my payment history to the credit bureau of my first and second, despite in XXXX my 2nd was being reported, not the first and now neither is reporting. Clearly, my pay history with my mortgage would raise my credit score significantly for a refinance and despite maintaining a XXXX credit score I am unable to get a more favorable rate. CHAFA has gone back and forth as far as allowing me online access. 
I called on XX/XX/XXXX and left a message with the legal department. No response. 
I called customer service today and was advised they are unable to provide me online access and can only mail the requested documents ( despite the 1098 was due XX/XX/XXXX and the monthly statements have not been provided at ALL ) thus I am unable to complete my taxes and it puts a further delay my ability to refinance.. In fact, last year when I attempted to refi my home CHAFA refused any cooperation with me or the mortgage associate I was working with.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-05
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: Experian Information Solutions Inc. (SC)

The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. XXXX was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit report.
Consumer complaint received 2021-03-05
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. (SC)

The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. XXXX was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit report.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CIBC BANCORP USA INC. (WI)

I would like to put a formal complaint against CIBC BANK USA A check, where I was the payee was stolen and my signature was forged. I tried contacting the bank so they could help me create an affidavit to send to the bank of first deposit, but they declined to help me. I did not receive any of the benefits of the check. 
Amount : {$520.00} Check number : XXXX
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX TransUnion, XXXX, and XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need immediate attention I took the action of sending dispute letters regarding inaccurate and unknown things on my credit report on XX/XX/2021. I have not received a response and its been well over 60 days. This is absolutely unacceptable Ive been through enough hardship especially during this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Local Data Recovery, LLC (TN)

On XX/XX/XXXX I contacted LDR Group at XXXX, as a result of LDR contacting my brother and leaving a message on my voicemail. XXXX XXXX left a number to contact him with my file number. XXXX XXXX was very aggressive when speaking to me. He asked me to confirm my last four SSN, I refused. He then asked me to confirm my DOB I also refused. I asked XXXX XXXX what was this in reference to, he told me a credit card account XXXX XXXX XXXX XXXXXXXX. I then told XXXX XXXX that this debt was an old debt. XXXX XXXX then told me that I had just paid XXXX on this account. I told him that was not true. XXXX XXXX then told me that I would be sued for the debt. I told XXXX XXXX that I could not be sued for a debt that was over 6 yrs old. I told XXXX XXXX that I did not want to be contacted about this debt and to not verbally contact me. I asked XXXX XXXX for a mailing address that I would use to address this matter. XXXX XXXX refused. I asked multiple times and XXXX XXXX still refused. I then disconnected the call. 

XXXX XXXX XXXX acct XXXX XX/XX/XXXX, first date of delinquency was XX/XX/XXXX. The High balance was {$460.00} The Account was charged off XX/XX/XXXX After several unsuccessful attempts to get a mailing address, I was finally given the address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. After checking the address I realize that I was given the address of the XXXX XXXX After my own research I found the company address as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

My daughter visited a doctor in XXXX where she is a college student. The doctor sent the bill to a previous address. The doctor turned the bill over to Wakefield and Associates in XXXX, TN. She told them to contact me ( her mother ) as I was responsible. They are still contacting her. I have contacted Wakefield at least 7 times in the past 8 months requesting a written statement for the bill. Last night ( XX/XX/XXXX ) I spoke to XXXX who claimed he sent me a bill on XX/XX/XXXX. I told him I never received it and once I received it I would be happy to pay the bill. I have a credit score in the high 700s and  always pay my bills in a timely manner.

Wakefield and Associates are contacting my daughter even though she has told them to contact me. They will not send me a written statement.

Wakefield and Associates phone number is XXXX.
Consumer complaint received 2018-10-16
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent a letter to Experian, asking them to investigate certain accounts on my credit report. They were supposed to responds within thirty days, but they have yet to do so.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (TX)

I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges that I am unaware of. I have noticed that this company is also reporting inaccurate amounts to credit bureaus.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a XXXX card listed as a charge off on my credit reports which has not been removed even after disputing and proving its inaccuracy. The charge off is listed as {$800.00} on XX/XX/XXXX and an open date of XX/XX/XXXX, but with pays as agreed status through XX/XX/XXXX and payments listed through XX/XX/XXXX. There is a {$0.00} past due in XX/XX/XXXX, and an {$800.00} balance on a {$300.00} limit listed in XX/XX/XXXX. This is all obviously incorrect and the negative information should have been removed, but it has not.