davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Health Care Management Services, Inc. (GA)

I had a mamogram at XXXX XXXX on XX/XX/XXXX ; albeit, I had insurance at the time, they refused to cover the expense. I didn't have the full amount to cover the debt and eventually, Northside transferred the debt to an outside collection agency ( HSI Financial Services LLC, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX GA XXXX ) XXXX  sent me an offer to settle the debt for {$170.00} since I had faithfully made payments toward the {$750.00} debt. I opted to accept the settlement and paid the amount, as directed by the collection agency to ( HSI ) on XX/XX/XXXX. Once paid, {$190.00} was to be written off. I requested a Settled in Full letter and I was told it would be sent. I communicated with XXXX XXXX and her supervisor XXXX and XXXX. I saved all the email communications in case you need to verify. 

Fast forward almost a year later, XX/XX/XXXX. I received a Debt Notification from XXXX, XXXX XXXX XXXX, XXXX GA, XXXX. The letter stated I owed a debt to XXXX XXXX in the amount of {$170.00} for services received on XX/XX/XXXX. I spoke with XXXX XXXX, made her aware the debt had been paid. on XX/XX/XXXX, I received another notice from HSI stating I now owe them {$190.00}! This is illegal! I am FURIOUS and refuse to deal with this exploitation any longer. Who has the time to fight these battles? Obviously, HSI kept the settlement money, didn't report the payment to XXXX XXXX, and thus, XXXX XXXX assigned the debt to a new agency ; ( XXXX ). This is bad business and total harassment.
Consumer complaint received 2021-01-27
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. (TN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-27
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. (AR)

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX {$400.00}
Consumer complaint received 2020-08-27
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. (TX)

I am writing as a requisite to validate the information regarding specific items in my credit report in line with the FCRAs section 609. You are required by federal law to verify any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would like to confirm that these loan issuers obtained my information according to the law by requesting that they avail the sources of information to me. 
This set of information should include the identity of the person who made the request, my original contract and agreement and any other supporting documentation. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts That said, if youre unable to verify this information, please delete the items from my credit report since their accuracy can not be validated.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (MO)

XXXX Chase bank- a collector from Chase bank called and told me that I owed a debt for my deceased roommate ( not a relative ). The collector told me that they were going to put a lien on my property ( car ) and bank accounts until the debt was paid. 

I told the debt collector that I didn't know anything about the debt. I told them that I do not owe his debt and that he is deceased. 

This call upset me so much, I went to the manager of the apartment and told her what happened. She helped me call chase to report this. During this process the person at Chase hung up on my manager twice. She finally got through to the manager, XXXX XXXX. 

The agent was rude to me and rude to my manager. I want to report this because I do not want it happening to others.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I received a copy of my credit reports from all three credit reporting agencies. I noticed that there was a debt on there for cable services for an apartment that I never lived at and I have filed a complaint for that as well as my signature was forged on a utility billing addendum and I have provided proof that it was not me that agreed to that debt. I have contacted all three credit reporting agencies and they had the collection agency send a copy of a cable bill but as I said, there is nothing with my signature on it and anyone with your personal information can sign up for cable services or any utility service for that matter and not show identification. I never lived at the address where services were rendered and I need that debt to be removed from my credit report.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK ()

Hello, on XX/XX/2022, I deposited the funds required for opening an account with East West Bank of XXXX {$2800.00}, and then received an email from East West Bank indicating that my account was unilaterally closed. I then consulted East West Bank customer service, and they told me that my account was closed and that my funds had been returned the same way. But my wise account has not received any refunded funds so far. Please help me to check.
Consumer complaint received 2022-07-07
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. (GA)

I was confused about some reporting on my credit reports among the XXXX bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all XXXX  bureaus with my concerns. 

Equifax responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! XXXX responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (KY)

I XXXX my application, appraisal and money order to Nationstar to have 20 acres of property released from my current mortgage on XX/XX/2021. After not hearing anything back about receiving the application, I called and was told the application with the appraisal was received and the money order was cashed. I followed up with multiple calls and never got an email response from the agent handling my account. On XX/XX/XXXX, I received my first and only correspondence to date from the agent. In this correspondence there was an appraisal request in reference to a property that was not mine. It was a different customers name and information in a different state. I immediately replied letting the agent know and reminding them that they had my appraisal and even directing them to the page that stated the land value appraisal. I never received a message back. I have called 3 times and I have sent emails, the call center people have also emailed the agent each time on my behalf. They do not have anyway to get into phone contact with the agent and I have asked if I can speak with someone in her department, but they are unable to. 

This process is holding up our construction and the lack of communication and poor customer service, from the agent is unacceptable. The call center people have been great, but are not given the tools necessary to help. If I knew this was going to be so poorly handled, I would have refinanced with another company.
Consumer complaint received 2022-08-08
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. (IL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my file 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXXl XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have been a Lowes Credit Card Holder since 2005. I have never missed a payment and my credit is outstanding. I have been a loyal customer for all these years and this is what I get in return from a Bank ( Synchrony ) I trusted to care about my needs as a consumer. How hurtful that is to know that I am not being treated like I should. They gave me an option when opening the card that I could add an authorize user if needed. Because I added authorize users Synchrony bank should not have closed my account. If I am assuming all responsibilities of this card, then it should not have been an issue. If you didnt want me adding authorized users, then I shouldnt have been given the option. I feel I have been treated unfairly and discriminated against. There was no reason to close my account, however you did so for a reason that I disagree with. I am sure that I am not the only Lowes credit card member who added users to their accounts, and they still have their account open. They could not find any reason to close my account so they came up with this. They are trying to ruin my outstanding credit and limit me.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Request all nquiries be removed from my credit files account ASAP. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the Human Intelligence Collector course in XX/XX/XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the Unit Presidential Citation, the Global War on Terror, the XXXX XXXX XXXX, the Combat Life Saver Badge, and Qualification Badges for the XXXX Rifle and the Hand Grenade. 

Submitted a police report identifying the high number of fraudulent inquiries number out times. Only several inquired are valid hard inquiries. I need all removed except XX/XX/XXXX and XXXX from all three credit files ASAP.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Legal name is XXXX XXXX XXXX on Florida Drivers License. 
XXXX XXXX XXXX XXXX XXXX FL XXXX has been my legal address for 12 years. 
My ONLY phone number is XXXX. 
NAMES MUST BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX All of the above information needs to be removed immediately. None of this information on my EXPERIAN credit report is correct. Please confirm in writing all incorrect names have been removed. All incorrect address and phone numbers have been removed.
Consumer complaint received 2022-08-15
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. (NJ)

You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Below is the inaccurate item : Late Payment XXXX XXXX # XXXX
Consumer complaint received 2022-04-27
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. (CA)

I have submitted request to Transunion for an updated credit report XX/XX/2021. Transunion submitted a credit report to me at my request. However when I contested all the inquiry especially the bankruptcy they refused to assist me and demanded that I re-supply documentation for identification in order to even investigate the inquiry. The bankruptcy should had not been reported, I had not given my consent
Consumer complaint received 2022-04-27
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. (TX)

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

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Volvo Car Financial Services U.S., LLC (CT)

RE : VOLVO CARS In XX/XX/XXXX, I received an offer from Volvo   Cars XXXX, CT to end the current XXXX XXXX  Volvo lease and " lease a new Volvo ... .and we will waive up to 6 remaining payments on your current lease. '' the offer was for 24 months new lease, didn't specify an amount to be paid at signing, and the offer expires on XX/XX/XXXX. 
I discussed the offer with Volvo Cars XXXX, but they didn't have a car to match the XXXX XXXX which I've leased from them. However, they gave me quotations for similar cars in case they can get one from other Volvo agencies based on 24 months new lease, and insisted on {$5200.00} at signing, because that was the sum I paid when I had the XXXX lease. However, and since my lease ends on XX/XX/XXXX we agreed to talk again after XX/XX/XXXX on he assumption that a matching car is available at Volvo Cars XXXX, CT. 
Eventually, on XX/XX/XXXX I returned the XXXX XXXX, and signed a new lease for 24 months at {$390.00} per month and paid {$5800.00} at signing., with the salesman referring to his Manager to give me answers and assurances that this is the best they can do for me based on the XXXX " not so clear '' offer. I was denied the request to extend the lease to 36 months, and to reduce the {$5800.00} payment. 
To my surprise, on XX/XX/XXXX I receive a " SPECIAL SAVINGS OFFER '' from Volvo Cars XXXX to lease a XXXX XXXX Car which matches exactly the same car that I got on XX/XX/XXXX, which matched the XXXX leased car. That offer expiring by XX/XX/XXXX has now specific terms " Lease XXXX XXXX XXXX XXXX  for 36 months {$3600.00} due at signing at {$370.00} per month ''! 
Immediately, on XX/XX/XXXX I sent letters and e-mail to : - Volvo   Car Financial Services, One Volvo XXXX, XXXX, NJ XXXX ( they have their name on the promotional offer ) - Volvo Cars Financial Services, XXXX XXXX. Ph : XXXX XXXX XXXX XXXX Re:XXXX Account Number. ) - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CT  XXXX Ph : ( XXXX XXXX I complained that the new lease is a grossly unfair transaction, as Volvo XXXX took advantage of my loyalty to Volvo, did not advise me of the XXXX offer, denied me the 36 months lease, and grossly over estimated the amount paid at signing. 

I received a letter from Volvo-Alabama dated XX/XX/XXXX stating " we appreciate your patience while we research your concerns ... '', and by a letter dated XX/XX/XXXX they rejected my request. I received no responses from Volvo Cars XXXX or New Jersey. 

I appreciate your interference to address my copmlaint, since the actions by Volvo Cars involve false advertising, and unfair trade practices Thank you! 


XXXX I have documents to attach to my complaint.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (LA)

I was informed I owed a debt of {$3900.00} from a XXXX  account. This account was opened in XX/XX/2004 in which I was XXXX years old. The owner of this account my grandmother passed and this account has appeared on my credit report 7 years later.
Consumer complaint received 2022-08-20
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. (FL)

Account name : XXXX XXXX XXXX XXXXXXXX Acct # It does not provide the account numbers for these cases ; There is XXXX in total. 

15 U.S.C. 1681 section 602A states ; I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

604A section XXXX states ; A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (FL)

I have attempted to contact Equifax in regards this unknown inquiries in my report and they suggested to contact each of those individual companies to fix the issue, the problem is since I did not made those hard inquiries, I can not get a hold of anyone. Below are the inquiries that I did not authorize. 

- 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 2020-08-27
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. (IL)

On XX/XX/XXXX of this year I sent letters to XXXX, XXXX and TransUnion to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.