davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

XX/XX/ 2022 I received XXXX therapy at a XXXX XXXX XXXX XXXX office to treat an injury. XXXX billing department improperly coded the bill resulting in my health insurance denying the claims. After bringing attention to this issue, my health insurance resolved the billing code and I waited for an accurate bill to arrive. I had not yet received the bill from XXXX XXXX XXXX instead I received debt collection in the mail from TRANSWORLD SYSTEMS INC XXXX I called and explained the situation in Fall 2022 and said I would not pay the debtor, I would pay XXXX XXXX directly using my health insurance savings account. I received the XXXX XXXX bill in XXXX 2022 and I promptly paid the {$270.00} bill with the payment confirmation number written on the top right corner in the attached bill ; # XXXX.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how XXXX violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports
Consumer complaint received 2020-05-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

I received a hard inquiry from SyncbXXXXpaypal  on my XXXX XXXX Credit report on XX/XX/2020 without my authorization. I do not know who this company is and where they got my information from and why they pulled my credit. I contacted paypal via mail on XX/XX/2020 informing them of the unauthorized inquiry on my credit report and I have not yet received an acknowledgment of my concern and complaint. I also called ( Syncb ) Synchrony Bank to see if they were the ones who pulled my credit report without my permission and was told they did not have no information or application on me and they could not find me in their computer / System. After unsuccessful researches and responses, please research and remove this inquiry from my credit report. 

Thank You, XXXX XXXX
Consumer complaint received 2020-12-23
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: SYNCHRONY FINANCIAL (OH)

I was a with SYNCB/WALMART customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. 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.
Consumer complaint received 2020-06-23
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. (CA)

this complaint starts with CFPB complaints including XXXX, with incorrect late payment reports. this complaint was not adequately addressed with XXXX  and other CRAs, believing the complaint was not made by me, XXXX XXXX, and therefore was not addressed. Transunion and XXXX  also have not yet adequately responded. PLEASE HAVE CRA REPRESENTATIVE CONTACT ME DIRECTLY FOR COPIES OF SENSITIVE FINANCIALS THAT PROVE LATE PAYMENT REPORTING IS INCORRECT. ( the following was my feedback to complaint XXXX ) This complaint is mine, XXXX XXXX, and was written and furnished by me to the CFPB for their assistance in correcting wrong and derogatory reporting by these creditors, Mr XXXX, XXXX, and XXXX, to the CRAs. Please assist me and the CFPB in removing all reporting by these creditors. The creditor is not adjusting the reporting to CRAs as it might reflect guilt during this civil litigation and the issues are sensitive to the mismanagement of escrow funds and violations of RESPA, namely refunding surplus escrow funds. These are the primary reasons the creditor refuses to change CRA reporting and why I, XXXX XXXX, am asking the CRAs to work directly with me and my documentation that proves the mortgage servicer has always been in receipt of the monthly payment, or more, within 30 days of the due date. I am looking forward to a representative from each of the three credit reporting agencies to contact me directly at XXXX for copies of my financials, including mortgage statements, that will not be made public or shared with any other party.
Consumer complaint received 2020-11-27
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. (NJ)

On XX/XX/XXXX I applied for a loan with with XXXX XXXX Personal Loans. They ran a credit check and I was denied. The feedback they provided is, 'APPLICATION INFORMATION DOES NOT MATCH CREDIT REPORT. ' The denial email indicated I could call Equifax. I did. The first time the call took 14 minutes and while researching my information the representative disconnected.

The second time the call took 34 minutes. The representative was able to confirm the issue is my physical address. I moved to my current residence at the beginning of XX/XX/XXXX and immediately updated my employer, bank, investment company, and changed my drivers license, wrote a letter to my recently paid off loan institution ( car loan through XXXX ), all credit card companies ( 4 of them ) as well as all other important services. 

While on this 34 minute call I asked to speak with a supervisor. The representative was unable to connect me with her supervisor and was combative and repetitive with no interest in problem solving. While on with her I opened a chat with my bank XXXX XXXX XXXX and was able to confirm they have had my address correct but they couldn't provide a date they would have notified credit agencies. 

I am a bit at a loss. I do not feel it is my job to notify a credit agency of my legal address - this is the kind of verification they are responsible for keeping accurate records of. They offered me only fax or physical mail ( with a 3 day to multi week timeline on updating my address ). In these uncertain times that is both out of date and unsecure and well as inexcusably inexpedient. 

I will be working with a lawyer to assemble a packet of documentation which in no uncertain terms clarify my address and will be physically mailing it to Equifax. Welcome to XXXX. 

I will be collecting
Consumer complaint received 2019-03-21
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: EQUIFAX, INC. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. As a result, I disputed this identity fraud with this company on XXXX, and even filed with the CFPB on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the  Fair Credit Reporting Act to proof my case. 

But until now, this company says the account is not showing but it is with just a few variations now. as I am writing to you, this company is still reporting this fraudulent account contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 

For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need to be removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened - XX/XX/XXXX I am attaching the dispute letter/documents I sent, Equifax response and my small claims forms, in case they need to reference or review.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (NC)

Our car was purchased XX/XX/XXXX. Our monthly payment was approximately {$990.00} per month. The car was in an accident and totaled on XX/XX/XXXX. 

We continued to make payments in XXXX and XXXX. In XX/XX/XXXX, XXXX XXXX XXXX made a payout of approximately {$40000.00} to TD Auto Financing. 

I called TD Auto Financing on XX/XX/XXXX, I spoke to XXXX with TD Auto Finance to make a payment. She told me they had just recieved the payment of approximately 40K and would be calling us to set up a payment plan for the truck after XX/XX/XXXX, XXXX. 

We also recieved a letter saying if we can not pay after XXXX XXXX to contact to set up a payment plan. I contacted TD Auto Finance three times since since XX/XX/XXXX. The first one was on XXXX, XXXX. The second one was XX/XX/XXXX and the third one was on XX/XX/XXXX. 

I found out on XX/XX/XXXX TD Auto Finance had a charge off debt sent to our credit report erroniously due to them saying they had not received a payment in 30 days, even though they had recieved the insurance check on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX with TD Auto to set up a new payment plan and the amount we owed remaining was {$11000.00}. 

Per my credit report, TD Auto Finance sent my account to collections on XX/XX/XXXX. At no time from the end of XXXX to XX/XX/XXXX did anyone contact me or tell me about being sent to collections. This has made my credit plummet and effected me buying a house due to their negligence.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

A : On XXXX XXXX, XXXX, Wells Fargo mailed me a check ( number : XXXX ). 
XX/XX/XXXX Husband XXXX XXXX deposited into his current account ( XXXX ) via mobile phone. 
B : On XX/XX/ XXXX, Wells Fargo debited {$25.00} from the checking account ( XXXX ) on the grounds that this check was deposited twice. 
C : I also don't have any money deposited with XXXX. I have the current month 's statement as evidence. 
D : Wells Fargo said that the money has been remitted to XXXX, so, Wells Fargo : The payee and account number of the money you remitted to XXXX? tell me. 
E : Since XX/XX/2022, I have requested money from Wells Fargo 18 times. Wells Fargo pushed it to five departments and has not given a clear answer so far. They have a bad attitude and no one takes my request seriously. 
This thing wasted a lot of my energy and time. 
F : I am now asking Wells Fargo to return this money to me.
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (SC)

I have received multiple calls from this debt collector and have explained this debt is not mine. I have also sent a letter dated XX/XX/2022. This debt collector has placed this debt on my credit report after I have given written notice that this debt is mine.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MN)

Suntrust Mortgage Company has accessed my account twice between my regularly scheduled billing cycles and has withdrawn an additional monthly payment from my personal checking account. I have a direct payment sent to Suntrust at the beginning of each month, however, they have been collecting an additional payment for {$2000.00} on the fifteenth of each month in addition to my regular payment. After a number of calls last month, they did return this amount to my checking account. Apparently though, they didnt correct the problem and withdrew the same amount this month. I have attempted to call them and have not been offered any easy solution to have them refund this payment. Needless to say, this is causing a hardship on me and my family.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The following items are reporting either inaccurately or as a result of identity theft : Incorrect Personal Information Name : XXXX   XXXX  ( XXXX  & XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX XXXX - Open Date : XX/XX/XXXX ( XXXX  ) and  XX/XX/XXXX ( XXXX and Experian ) Bal : {$9800.00}. I was never late.XXXXXXXX XXXX  - Open Date : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  and Experian ) ; Bal : {$23000.00} ; I was never late. 

XXXX - Open Date : XX/XX/XXXX ( XXXX  ) ; Bal : XXXX ; I was never late. 
XXXX/XXXX : Open Date : XX/XX/XXXX ; Bal : {$0.00} ; I was never late. 

The following accounts are a result of identity theft/fraud : XXXX   XXXX  - Date Open - XX/XX/XXXX Bal : {$450.00} ( XXXX, XXXX, Experian ) XXXX - Date Open - XX/XX/XXXX Bal : {$0.00} ( Experian and XXXX  ) XXXX  ( XXXX ) - XX/XX/XXXX Bal : {$7700.00} ( XXXX ) XXXX  - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX  ) XXXX XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( Experian ) XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( Experian & XXXX  ) UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX  THE FOLLOWING PUBLIC RECORDS IS NOT MINE : Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, XXXX, Experian ) Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, XXXX, Experian ) Bankruptcy Chapter XXXX - Discharged XX/XX/XXXX - ( XXXX, Experian, XXXX )
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

To From It May Concern, My name is XXXX XXXX. My Citibank credit card number is XXXX. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have purchased roofing materials from XXXX XXXX store on XX/XX/2018 for the total of {$4900.00}. After three days they have contacted me and informed that they no longer carry that product and they need to refund my money back to my credit card and issue me a refund receipt. I checked my credit card balance on XX/XX/2018 and there was no credit from this store so I have opened a dispute with my credit card company. 

Citibank dispute department asked for available paperwork for that refund and I have email receipts that I got from this merchant. 
I have called several times to customer service and been informed that I will not be able to talk directly to dispute department but they see my paperwork and in my next billing statement I will see that credit and I dont have to worry about anything. 

Please check all the recording and see how many times I have called if you need so. 
Yesterday I got a letter from your department that they are closing the case because the time frame in which to resolve a dispute has passed. 

I have been contacted Citibank every single week and every time I have been told to wait and been patient. Now you dispute department tells me that that time has passed and I am responsible for that balance. 

Do I have to pay for something that I have never received? 
Please see attached copy of the refund receipt from XXXX XXXX and copy of the letter that I have received yesterday. 

Please let me know how you can fix this issue. 

Thank you, Sincerely, XXXX XXXX
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

In XX/XX/XXXX, I have received a letter in the Mail from XXXX, XXXX, and XXXX. 

On XX/XX/XXXX XXXX The letter was received by someone else ), I have sent them a copy of the original debt collection letter, along with what I have received from the original collector. This was sent by certified mail article number : XXXX XXXX XXXX XXXX XXXX In XXXX, I called requesting an update, and spoke with a Mr. XXXX XXXX. Advised that I sent them the letter, and still waiting for a response, and wanted to know why that item is showing on my credit report when i have it in a dispute status. I was told that they never received the items, and I told him what I'm requesting for validation ( signed applications, and at least three statements that one must show a charge ). 

I have received three statements, but nothing showed a charge on them ( How can I verify I actually had a charge, if all I see are fees )? How can I verify that I actually signed an application for what they are collecting for, along with the interest rates? 

On XX/XX/XXXX, I have sent a second letter to them certified mail article number : XXXX XXXX XXXX XXXX XXXX One reminding them that I'm still waiting for the verification documentation, along with an initial settlement offer since. 

Today XX/XX/XXXX, I pulled my credit report, and this item is still showing on it as a collection item. It has been in a dispute status XX/XX/XXXX.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following items are reporting either inaccurately or as a result of identity theft : Incorrect Personal Information Name : XXXX XXXX ( TU & XXXX ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX  XXXX XXXX ( XXXX  ) Address : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX XXXX - Open Date : XX/XX/XXXX ( TU  ) and XX/XX/XXXX ( XXXX   and XXXX ) Bal : {$9800.00}. I was never late. 

XXXX XXXX  - Open Date : XX/XX/XXXX ( TU ) and XX/XX/XXXX ( XXXX   and XXXX ) ; Bal : {$23000.00} ; I was never late. 

XXXX - Open Date : XX/XX/XXXX ( TU ) ; Bal : XXXX ; I was never late. 
XXXX/XXXX  : XXXX XXXX : XX/XX/XXXX ; Bal : {$0.00} ; I was never late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Date Open - XX/XX/XXXX Bal : {$450.00} ( XXXX, TU, XXXX  ) XXXX - Date Open - XX/XX/XXXX Bal : {$0.00} ( XXXX and XXXX  ) XXXX ( XXXX ) - XX/XX/XXXX Bal : {$7700.00} ( TU ) XXXX  - Date Open - XX/XX/XXXX Bal : XXXX ( TU ) XXXX   XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX ) XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX & XXXX ) UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXXL XXXX XXXX XXXX TRANSUNION THE FOLLOWING PUBLIC RECORDS IS NOT MINE : Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, TU, XXXX  ) Bankruptcy Chapter  XXXX - Dismissed XX/XX/XXXX - ( XXXX, TU, XXXX ) Bankruptcy Chapter XXXX - Discharged XX/XX/XXXX - ( XXXX, XXXX, TU )