davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (SC)

I received a demand letter from Medicredit Inc., on XX/XX/2022. Medicredit Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Medicredit Inc., and I do not know how Medicredit Inc., received my private medical information. Medicredit Inc., does not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any type business and I have not agreed to pay/tender anything to Medicredit Inc. My HIPPA rights have been violated. 
I am not a party to any agreements that Medicredit Inc., may or may not have with XXXX XXXX. I have not agreed to pay/tender anything to Medicredit Inc. , or XXXX XXXX XXXX 
Medicredit Inc., and XXXX XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Medicredit Inc., or XXXX XXXX are Holders in Due Course. Please Cease and Desist.
Consumer complaint received 2021-09-02
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. (AL)

In XXXX of 2020, I disputed the accuracy of a late payment on my report. I disputed this account with the creditor, XXXX XXXX  and all three major credit bureaus. Unfortunately, my efforts did render a positive outcome. XXXX XXXX  never responded to my request for validation or an exemption for the one time late payment. Under these circumstance, the creditor not responding within a 30 day time frame upon receipt of my dispute, is sufficient means for deletion off my credit report. Experian XXXX XXXX  both disregarded the FCRA ruling by not thoroughly investigating this dispute properly. I'm requesting deletion based upon the fact that they did not follow procedures as outlined in the FCRA.
Consumer complaint received 2021-09-02
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. (AL)

In XXXX of 2020, I disputed the accuracy of a late payment on my report. I disputed this account with the creditor, XXXX XXXX  and all three major credit bureaus. Unfortunately, my efforts did render a positive outcome. XXXX XXXX  never responded to my request for validation or an exemption for the one time late payment. Under these circumstance, the creditor not responding within a 30 day time frame upon receipt of my dispute, is sufficient means for deletion off my credit report. XXXX  & TransUnion both disregarded the FCRA ruling by not thoroughly investigating this dispute properly. I'm requesting deletion based upon the fact that they did not follow procedures as outlined in the FCRA.
Consumer complaint received 2021-09-01
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself. I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions.
Consumer complaint received 2022-06-21
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)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX and XXXX had deleted my bankruptcy but TransUnion and XXXX are not complying to the law.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

ARS ( Account Resolution Services ) is a debt collector and ARS has been harassing me for a long time to pay a debt that I do not owe nor am I obligated to pay. ARS has invaded my privacy and used abusive, deceptive, and unfair practices in an attempt to collect a debt not owed. Ars has harmed my reputation by reporting alleged debts to XXXX, XXXX, and XXXX. ARS has used obscene language through mail communication to harass and XXXX  me. ARS has produced false representation of the character amounts and legal status of alleged debts. ARS has communicated false credit information about me with XXXX XXXX, and XXXX. ARS has furnished deceptive forms in an attempt to collect an alleged debt not owed. ARS has violated several fair debt collection practices act laws such as communicating without prior direct consent in connection with the collection of alleged debts to third party reporting agencies. ARS has used unfair practices by using symbols on envelopes in communication with me the consumer through the mail indicating debt collection. I have received adverse actions when extending credit due to the alleged debts purported by ARS to consumer reporting agencies and other individuals. I am a consumer pursuant to 15 USC 1692a3 protected under the Consumer Credit Protection Act laws which Account resolution services have violated. I have attached supporting documents and exhibits in my complaint.
Consumer complaint received 2021-09-01
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: LoanCare, LLC (PA)

All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. Loancare mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting Loancare they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.
Consumer complaint received 2023-01-06
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. (CA)

There is an account I do no recognize on my credit report from XXXX XXXX XXXX. reporting to all three credit bureau 's. I am requisition the original creditor and a full accounting from when the account was opened.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I made a deposit with a money order XX/XX/21 into my checking account. I was told that the funds would be available for me to use within one or two business days. I waited XXXX days to use my card with that account and Lord be holds my purchase was declined XX/XX/21. I went inside the bank on XX/XX/21 to sit with a teller to ask questions. I was told that some code, that I am still not sure why was placed on that deposit and I had to now wait XXXX days and that it will be placed on hold before funds are released. I asked the teller to see if there was a reason to this and what I had to do if there was anything required for me to do. What I received was still no one being able to provide to me the reason to why other than to wait XXXX days or who I can communicate with via email or phone. I also informed the teller that I been having issue with my online portal password locking me out when I normally do not use or access the account using any app or online login. I normally go into the bank personally to do business. I also notified them that my pin to my atm card was not allowing me to use the card to run transactions. I went back into the bank talked to a teller in the office and I had the worst customer service experience that no one should have to every endure. I waited contacted the customer service department XXXX phone number spoke with someone who asked me to speak with a different banker to see if they could be of any assistance. Which I did as instructed. I waited for the customer service lady to assist me while I was waiting in the common area to prepare to fill out a withdrawal sip while holding a child in my arm. I was then approached by a police officer. I didn't even have enough time between all of this to properly complete all of my transaction I wanted to do for that day. I was told to leave even though I had other funds to deposit into that account. 

I still do not understand what the issue is all of this has happened I had to go to another banking company and make another deposit using a different money order in the same amount and I didn't have any issue with that bank at all.
Consumer complaint received 2021-09-01
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. (WA)

XXXX XXXX reported a collection account on my credit, the charges and the balance is 100 %. I reached the XXXX Financial department and they acknowledge the mistake they did and they said they will delete the account from all credit bureaus. They sent me a letter confirming that they will contact the credit companies and the account will be deleted in 30 days. 

Other credit agencies deleted the item except for Experian when I contacted them and send them the letter that XXXX sent me, instead of removing the wrong account from I received a notification which says this : " Your original dispute was modified by an Experian Disputes Specialist '' First of all, they should not change or modify my dispute, and secondly, I send them an official letter from XXXX XXXX which shows that this account should not be on my credit report. 

I'm very much disappointed with Experian and how they're handling the issue.
Consumer complaint received 2023-01-06
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. (WA)

Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against XXXX XXXX XXXX XXXX ( Caliber ), and the response from XXXX  dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that XXXX XXXX XXXX will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage XXXX that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a XXXX representative to explain the reason for the new charge. It is on record that the XXXX representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from XXXX XXXX XXXX has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the XXXX XXXX XXXX ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by Caliber are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by Caliber Home Loans, relevant pages of my Credit Report from XXXX, TransUnion, and XXXX showing XXXX entry of payments as reported by XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE AUTO FINANCE you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

The inaccurate reporting has damaged my livelihood.

The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

CAPITAL ONE AUTO FINANCE is clear in violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
Consumer complaint received 2022-03-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX & XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KeyStone Financial ,LLC (SC)

I sent a debt collector company Keystone Financial a validation letter dated XX/XX/2022 wanting more information regarding the alleged debt that I supposedly owe them. A person by the name of the name of XXXX XXXX XXXX responded using obscene and profane language as well abusive threats saying that " I am past due '' and that " they are going to report to the credit bureau ''. These are violations to me as a consumer and also included is a copy of a contract which has no signatures from either party. The debt collector also has me listed as a " borrower '' for a " loan '' under the Truth in Lending disclosure which constitutes false and misleading information. Truth in Lending does not define a borrower, loan, or debt. The debt collector also did not provide the required disclosures they never provided a right of rescission disclosure, or the any disclosure that giving me the option to have my information reported to any third party and the consumer reporting agencies. This company is willfully violating my rights as a consumer under Federal law.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (NC)

A collection agency named Aspen National Collections recently started reporting a {$1700.00} debt on my credit report from XXXX XXXX XXXX XXXX. I have repeatedly asked the collection agency why they did not contact me about this account before reporting it, but they told me that they don't have to. I am fairly certain that this is a violation of collection laws. 

If they had notified me first, I would have certainly disputed it. Because I do not have a debt owed to XXXX XXXX XXXX XXXX. 

Also, I've even gone as far as asking Aspen National to send me something that proves that I have a debt with XXXX XXXX XXXX XXXX, but they just dismiss me and say they don't have to do that either. 

The only response I've gotten from Aspen National reps about this transgression is that i should dispute the account at XXXX XXXX if I feel it is inaccurate. I have done that, but Aspen keeps telling XXXX XXXX that its legitimate. So I don't really see where that's helping the situation.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

I am an attorney representing the borrower XXXX XXXX in her pending XXXX  XXXX case. XXXX XXXX confirmed plan proposes to pay off her lender PHH and her XXXX  XXXX case with a new loan on the property subject to PHH 's lien. 

Monthly mortgage statements sent to XXXX show a suspense balance of nearly $ XXXX and principal due of {$430000.00}. Yet when PHH submitted its payoff demand into the refinance escrow, the principal balance is essentially the same without crediting the suspense balance. 

I have sought information and back up documents from counsel for PHH who has previously appeared in this bankruptcy case but have received no sustantive response.
Consumer complaint received 2022-03-27
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. (LA)

In Accordance to the Fair Credit Reporting Act, convergent account number XXXX. 
XXXX XXXX XXXX XXXX number XXXX Commonwealth Financial Convergent account number XXXX XXXX and XXXX XXXX  Account number XXXX. 
XXXX XXXX Convergent account number 181085 US District Court 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-27
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-27
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. (OH)

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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