davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without authorization used my personal identifying information to apply for goods services or Money and was successful in creating and some accounts. All is being investigated by the FTC
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I co-signed on a loan with Credit Acceptance for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact Credit Acceptance they state they will remove them and they are still not removed.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (GA)

I settled a debt with Truist on XX/XX/XXXX for {$890.00} and sent a signed settlement letter by email XX/XX/XXXX. I continued to receive debt collection notices from Truist. I called the the third party debt collection company multiple times after receiving multiple debt collection and asked them to acknowledge in their system that the debt was paid. There was no valid reason offered as to why this had not been completed other than the information was sent to a XXXX but nothing had been completed. Payment of the debt was not acknowledged in the system until around XXXX XXXX. I am now receiving another debt collection, dated XX/XX/XXXX, for the for same account for {$170.00} for unknown fees, which I believe are possible fees accumulated from the debt not being acknowledged as paid.
Consumer complaint received 2023-01-31
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. (SC)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit report account under an open end consumer report plan as late for any purpose.
Consumer complaint received 2023-01-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (NJ)

I was seen in the emergency room XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided my Insurance Information which is XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. I never received anything concerning this bill until I got a letter from cascade management a collection agency saying that I was in collections. The XXXX Billing company, XXXX XXXX XXXXXXXX XXXX XXXX never billed my insurance company or submitted it to the wrong carrier because my insurance company has no record of the claim. I was able to get the billing to resubmit the claim and my insurance company denied it because it was not billed in a timely fashion. I told the collection agency this and asked them to remove me from collections. They refuse and continue to call my home and send me letters.
Consumer complaint received 2023-01-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX # XXXX, US DEPT ED # XXXX.
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$21000.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXXBalance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc ()

Filling a Complaint to PayPal. XXXX XXXX On XXXX XX/XX/2023, I receivedXXXX In my PayPal account from family and friends and later on PayPal sent me a message to request for some information pertaining to my transaction, and I provided the information that they requested for. Shortly I received a notification that my account has been limited permanently, withholding whole the money I have in my PayPal which was channeled for XXXX bills and other urgencies. 
PayPal should stop stealing money from people. Why would they hold my money for 180 days ( 6 months ) as if am giving them a loan? This kind of scam should end. Im very disappointed with them
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report shows a collection from XXXX XXXX. In numerous correspondence with XXXX XXXX, they have failed to provide accurate documentation showing that this alleged debt has a valid reason for being reported past 7 years ( debt proof is dated XXXX, which is uploaded here ). The documents state the debt is 13 years old. 
I contacted Transunion and XXXX  and disputed the accuracy of the collection reported by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. On both occasions Transunion and XXXX has stated that the debt was verified. However, XXXX XXXX has failed to provide me with documentation to prove the validity of this debt to be less than 7 years old ; therefore it is impossible for Transunion and XXXX to have properly verified the information reported. On XX/XX/XXXX, I uploaded the letter I received from XXXX XXXX to Transunions and XXXX  dispute site and explained that this is the only proof XXXX XXXX has been able to provide regarding this debt which is already 13 years old and I ask them to delete this item from my credit report since their is no valid proof that it is less than 7 years old. Transunion and XXXX sent me a resolution dated XX/XX/XXXX stating that they investigated the information I disputed and it still shows the collection from XXXX XXXX ( report is attached ). At this point the actions of XXXX XXXX and Transunion and XXXX for failing to verify and report accurate information on my credit report is causing me monetary damages as I am unable to get approved for a professional license.
Consumer complaint received 2023-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Paid off my mortgage XXXX, XXXX. My prime equity matured XX/XX/XXXX with a different bank than my mortgage. I could not pay the balloon payment in it's entirety so I contacted Wells Fargo for assistance. I applied for assistance XX/XX/XXXX. Approved for long term assistance XX/XX/XXXX. Trial payment period started XX/XX/XXXX thru XXXX, XXXX. Started receiving new mortgage statements XXXX. Paid thru XXXX, XXXX then was told I had to do another application in XX/XX/XXXX. So I did but Wells Fargo would not take any of my payments XX/XX/XXXX thru XXXX XXXX. Took payments XX/XX/XXXX thru XX/XX/XXXX. Stopped taking payments XX/XX/XXXX to present
Consumer complaint received 2023-01-21
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. (GA)

I am aware of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I had previously disputed XXXX of the items and received a response from the credit bureau " verifying it as accurate '' without any explanation of how and completely violating me as a consumer as I know it not to be mine! 

( See Attached )
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (GA)

I pulled my credit report today XX/XX/2020 and noticed that ONE 30 day late payment was erroneously on my credit report from XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (CO)

On XX/XX/XXXX, I agreed to a payment plan with NCB for 40 % of my balance, in installments of {$130.00} for 24 months, equaling {$3100.00}. I took a picture of the offer I accepted, where I clearly circled and wrote what I was agreeing to. 

On XX/XX/XXXX, I received a payment plan agreement from them. It was for twice the amount. XXXX payments of {$130.00} for a total of {$6300.00}. This is not what I agreed to. I have since emailed and asked them to cancel the plan.
Consumer complaint received 2023-01-21
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. (AR)

ON MY CREDIT REPORT THE CREDIT COMPANIES HAS THE ACCOUNT AS CHARGED OFF, I ASKED THEM FOR 1099C DUE TO THEM CHARGING THE DEBT OFF ON THEIR TAXES. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

My credit reports generated by XXXX and Equifax on XXXX display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1.High balance, 2. Last activity and 3. Last payment which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXXXXXX Last activity XXXX XXXX  Last payment XXXX XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2023-01-21
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. (MO)

My consumer report is falsely reporting utilization that is my experience with a line of credit that was extended between me the consumer and the Company that is making the report to a non-affiliated party. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on a consumer report. You have violated FCRA 15 U.S. Code 1681 ( a ) ( 2 ) ( A ), by reporting the transaction or in this case its an experience because we are talking about the utilization on my consumer report which congress clearly states are not included on any consumer report, you have 10 calendar days to update my utilization to 10 % or below or delete all utilization from the accounts listed below. Failure to respond satisfactorily with the task on hand will result in legal action. I will also file a commercial lien with U.S Treasury XXXX IRS for collections and restitution for violating my rights and deformation of character. Your company willful noncompliance under 15 U.S. Code 1681n and criminal liability under 15 U.S. Code 1611 is not what Congress intended.
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Sombrero Capital LLC (OH)

I purchased my home in XXXX and the next year my howmwoners insurance increased and i didnt catch the increase. I received notice from the insurance company that the policy was going to get canceled. I called the mortgage company because i have my account escrowed and they had not made the payment. When i contacted them they made the payment. They did the mortgage analysis and explained how the process works when changes are made and i have escrow. I was advised that every time i had an increase or decrease the analysis needs to be done. This year XX/XX/2022 i change insurance companys and the property tax increased and the full tax for the second payment wasnt made in full and i have late fees and penalty with that. When i changed insurance companies i asked for the analysis and the person who answered the phone said she didnt know what i was talking about. I tried calling several times and didnt receive an answer. Now they sent me some projection saying i have and defiecency of XXXX and have increased the mortgage payment and that number isnt correct also they have the wrong amount for my escrow payments calculated. I am tired of these people they are unprofessional and i feel like they trying to make me deliquent on my payments and it adversly affects my credit.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (CO)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Back in XX/XX/XXXX to maybe XX/XX/XXXX I had a bank account with Wells. Never had an issues until they were authorizing transactions in my account without my consent. I went in and let them know to stop any and all further recurring transactions and that didnt happen. At the time I was a college student, so I didnt have enough money to cover all overdraft fees. Eventually, it led to me closing the account. Only to find out they had opened another account without my consent when I thought they had closed it out. From there, I just let the account be and I never went in to close it or continue having a relationship with them. I dont know what happened to my account but I never used it.
Consumer complaint received 2020-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC. (ID)

On XX/XX/XXXX I was alerted by my XXXX  credit app there was a collection placed on my credit from AFNI for XXXX XXXX XXXX XXXX  for {$560.00}. 
I did NOT receive any call or correspondence to notify me. 
I called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX spoke to Employee ID XXXX. I provided him the tracking numbers for the equipment returned on XX/XX/XXXX. He confirmed seeing the items received by XXXX XXXX XXXX   on XX/XX/XXXX and indicated I should not have any charges and they would mark for review and call me in 24-48 hours. They never did. 

I called AFNI on XX/XX/XXXX at XXXX spoke to a woman who did not have a employee #. I explained to her what XXXX XXXX XXXX  said. That this is inaccurate and I was not notified and wanted this resolved and removed from my credit. She said they would mark it " paid '' if I paid it that day. I continued to reiterate I was not legally notified and it was inaccurate. When I asked her what day they mailed me a notice she said " I see the letter was suppressed and it did not go out. I will request deletion from the credit bureaus '' I requested a letter in writing confirming that she said they would mail one. 
To date I have not received a deletion letter and it is still on my credit. On XX/XX/XXXX I received the first and only notice of collection. Still trying to collect the account regardless of my disputes and proof of tracking numbers. 

Neither party has done what they said and rectified this matter and my credit has not been corrected per the conversations. I have not had XXXX XXXX since XXXX and once I returned the equipment I was never notified of anything since. In accordance to federal Fair Credit Reporting Act 611 I am disputing the information and also reporting violation of the lack of notification prior to putting the erroneous account on my credit.