davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

Again, ARS are using obscene and profane language as well as defaming my character by communicating INDIRECTLY with my consumer report without my consent. I never gave these debt collectors my consent to speak to me, a consumer. Thats another violation. Having my private information in your records is another violation. Speaking about any medical information is also a violation. ARS initial validation notice, that theyre referring to, is another violation as well as mail fraud. I did not give my consent for this debt collector to communicate with me. XXXX mention, There is no requirement that the provider have permission from the consumer to place an account in collections. What FEDERAL law states this? Because according to FEDERAL law 15 USC 1692c ( a ), without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate with a consumer in connection with the collection of any debt. Now show me the federal law that states otherwise. ARS claims to never spoken to me but according to 15 USC 1692a ( 2 ) communication means the conveying of information regarding a debt directly or INDIRECTLY to any PERSON through ANY medium. ARS communicating indirectly about my consumer report with every reporting agency. Thats a violation as well as obscene and profane language, to me. ARS can not tell me, the consumer, what is or isn't obscene or profane language. ARS stating I even owe this alleged debt is obscene and profane language to me. I did not give ARS consent to do anything but remove my private information, XXXX  out the balance on this alleged account, and pay the invoice attached to compensate me for the damages pursuant to 15 USC 1692k. I did not ask for any validation and the fact ARS insist on stating I owe this alleged debt is another violation pursuant to 15 USC 1692b ( 2 ). Furthermore, Ive attached a cease and desist letter regarding this alleged debt, so there should be no communication regarding me or my consumer report, other than whats being mentioned in the cease and desist letter. I expect my check to be mailed within 30 days. Youre on notice.
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair Reporting act XXXX Account

, 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 2022-07-17
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. (NJ)

Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Experian specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. Experian is in violation of my rights as a federally protected consumer. Instead following my specific written instructions, pursuant to 15 USC 1681b ( a ) ( 2 ), Experian ignored my instructions, placed said alleged accounts in dispute status thus updating them on my consumer report. Additionally, incorrect and inaccurate names and accounts in which I have also given specific instructions for pursuant to 15 USC 1681b ( a ) ( 2 ) still remain on my consumer report.

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

On XX/XX/2021, I sent a letter to National Credit Systems demanding that they validate an alleged debt that they placed on my credit reports. I received a letter back from them dated XX/XX/2021 with documents that did not validate the alleged debt and proving that they own the debt. On XX/XX/2021, I sent them a follow up letter to provide me with said documents, yet they still did not provide them to me. 

Account number : XXXX*** Amount : {$420.00}
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPTUM BANK, INC. (CA)

Optum Financial opened Account XXXX XXXX without my consent. I never gave consent to open the account, nor should they have any of my information. They wont let me close the account without verifying said information they should have. One of the questions is if there is anyone else tied to the account... how should I know this if I never opened the account in the first place? They refuse the close the account.
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (GA)

This company did not check with person living at the address associated with this collection they were given a deposit but did not give credit on the account for the deposit..A family member lived at the address and is no longer in contact with the family..I would like to receive confirmation from XXXX XXXX  that they took the deposit off the total of the bill and they didnt charge the proper price for the XXXX..They have a class action lawsuit against them regarding their XXXX prices i can not afford to pay this bill living on XXXX and if they could send proof of my identity they took before opening up the account that would be great a copy they have of my drivers license or social security card something they accepted when opening the account and a reason why the bill is so high for a few months..And give a complete from start date to end date..
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Also Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the accounts from my credit report to prevent further damage. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX   XXXX XXXX  XXXX The date open and date of last payment made does not match the credit reports of XXXX and XXXX . This is non-factual reporting. Please remove. 
XXXX XXXX XXXX XXXX This account is unrecognizable. This account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX. This account is unrecognizable. This account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX XXXX this account shows 120 day lates multiple consecutive months. This is non-factual reporting also this account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
USBK COURT XXXX FLORIDA XXXX I called the bankruptcy court and they do not have any record of a bankruptcy under my name nor do they provide information to credit bureaus. Please remove account INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-19
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. (NY)

This is my 3rd 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. 




XXXXXXXX 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
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was looking for a chow chow dog online n I found their website i checked it out there was lots of available dogs nI finally picked that dog names XXXX. I didn't call em or anything like that cos they don't have a phone number or even an address. I ended leaving my phone number and name and email address on their website. And the next morning which was yesterday morning I got a text from them they said they are the breeder of chow chow dog that I'm looking for and then we talked ab the dog and shipping and stuff then I asked em how do I know y'all real and they took a video of the dog with a paper that wrote my name and address on it. I trusted them I decided to send them XXXX bucks ( XXXX for the dog plus XXXX shipping cost ) It was XXXX money transfer. After I sent it they asked for Hidden charges for the electric dog crate on the plane something like that and they also said the delivery company won't be able to get the dog shipped if I don't pay for that charge.i mean why didn't he tell me at first if he did I wouldn't buy the dog. At that point I realized that I'm being scammed. I decided to ask him to get my money back and he just never answer my text. 
This is the delivery company number : XXXX ( XXXX ) XXXX.they tried to call me like 8 times but I didn't pick up the phone cos Ive already known they are scammers.
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am filing this complaint because PORTFOLIO RC has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2021-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

1. Told XXXX servicer loan XXXX of financial hardship due to the COVID-19 emergency and are requesting a forbearance. 
The CARES Act grants the right to forbearance by submitting a request, it was on XX/XX/2021. 
2. XXXX XXXX sold to XXXX new servicer Rushmore XXXX XXXX. Loan # XXXX. Rushmore service ignored documentation sent over by XXXX XXXX ignored documents of XXXX XXXX as trustee executor. Ignored Cares Act and propagated false default. Would not speak to XXXX XXXX did not accept faxes letters of trustee nor XXXX and Care Act documents. Trapped this mortgage into a situation that could not be cured due to their reluctance to talk to XXXX as the trustee and look at the proper documents. 
Uncooperative did not designate fact and downright predatory in subjugating Miss XXXX no processing time before sending a default letter the first week of XXXX when supposedly there is a change of servicing and mortgage holder is allowed 90 days for processing unbelievable.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Name : XXXX XXXX XXXX
Consumer complaint received 2022-01-14
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. (IL)

I have sent written request to validate the validity of the information used to validate these accounts they have on my credit report on XX/XX/2021. I have made several calls to TransUnion. They have been very rude. I was hung up on then told " I can't help you and put on hold with no one returning to the phone. I can't understand why is it so difficult to provide me with information that show 's that these are my accounts if they have this information.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX  months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX  ( aka XXXX Payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account XXXX XXXX Credit Card XXXX XX/XX/XXXX. The account was closed and Paid in full XXXX, XXXX. The re-assigned cc number is on my credit report. I have called so many times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listing on my credit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} in XX/XX/XXXX. I did so because of interest, etc. There is a whole long story behind this. XXXX XXXX  REFUNDED THE MONEY TO COMENITY BANK XX/XX/XXXX. They stated their policy is to send to original purchase point. I have a dialogue with XXXX XXXX. I sent a USPS Priority Mail packet with all the documentation I have to Comenity Bank 's po box in XXXX, OHIO. I received a letter back that the account is closed and the balance is zero. So what happened with the {$11000.00} refunded by XXXX XXXX. I have documentation to support my complaint.
Consumer complaint received 2022-01-14
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. (NY)

I've asked Experian and XXXX to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY XXXX or 3rd PARTY company. 

I also received a letter from XXXX saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did XXXX and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (TX)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

WESTLAKE FIN, balance is {$11000.00}, and account # XXXX
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have had a Kohl 's store charge card for many years. I have always received my monthly bill through the usps. Kohl 's switched me to paperless online billing without my consent or knowledge in/about XX/XX/2021. Because I didn't get bill in mail, I didn't see it and it did not get paid on time. The email account it was delivered to was unchecked by me. When I found out that I had a payment that was over due, I paid the full amount on card immediately. I recently checked my credit report and am horrified that they reported the payment as late. At the time, when I called to make that payment, I explained to Kohl 's that I have to get my bill in paper format and that they had made a mistake by changing my account to paperless.
Consumer complaint received 2020-08-20
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. (IL)

I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I sent in complaint XXXX. Nothing was done as a result & it has been well over 30 days for this issue to be resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX XXXX {$960.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.
Consumer complaint received 2022-01-14
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. (FL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (IA)

I had a bill for {$900.00} owed to XXXX XXXX XXXX. I paid this bill directly with XXXX on XX/XX/2020. 

On XX/XX/2020, Diversified Adjustment Service Collections reported that I owed them {$900.00} to all 3 major credit bureaus. They reported this incorrect information after the date that the bill had been paid directly with the original company. This is a violation of FCRA. This lowered my FICO score by 24 points. 

I called Diversified Adjustment Services to dispute this credit reporting. They refused to help at all. Refusing to update incorrect information on a credit file after being made aware of it is another violation of the FCRA. 

Diversified Adjustment Services sent an update to the credit bureaus on XX/XX/2020 stating that the account had been paid. They did not put a note that this account is in dispuite. This is another violation of the FCRA. This further lowered my FICO score by 14 points. 

This account should never have been reported to the credit bureaus in the first place and the information should have been immediately removed after they were made aware that the reported information was incorrect.
Consumer complaint received 2020-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Greetings, A monetary transfer was made from the saving account to second mortgage internally at Bank of America on or about XXXX, said bank has acknowledge a reduction in savings total.. 

The monies transferred the transferred are not reflected or credited to the mortgage balance. 

I am looking to resolve the issue as to why the monies are not reflected on the mortgage statement and why I can not contact anyone at said bank. Numerous attempts have been which include in person at the local branch, phone calls and electronic media. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX