davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX Several states such as Texas and Oklahoma have recently passed state legislation on the reporting of medical debts. There are restrictions either dealing with the reporting of medical debts in general, or if a pre-determined good faith estimate was issued before services were performed or after emergency services. Accordingly, I live in such a state where my right are protected from aggressive medical debt collections and their longstanding abusive effects. As in Senate Bill 1037 by Sen. XXXX XXXX, R-XXXX, and Rep. XXXX XXXX XXXX, D-XXXX, which was signed Friday by Gov. XXXX XXXX. The law takes effect immediately and represents a major step in protecting consumers from the longlasting damage that can result from surprise billing in Texas, where patients are at an uncommonly high risk of receiving expensive surprise bills. The law requires the exclusion of medical debt from a patients credit report in limited circumstances : if the patient had health coverage at the time of the health care service and if the collection account is related to billing for an outstanding balancenot including a copayment, deductible or coinsurance owed to an out-of-network emergency care or out-of-network facility-based provider. Your agency must delete all references to medical debt collections effective immediately. 

DELETE THE AFOREMENTIONED MEDICAL DEBT COLLECTION FROM ALL CREDIT BUREAUS!!! 

Thank you for your full consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

The company XXXX has put my debt In collections. I open it XX/XX/2019 & paid off any debt i owed. This new debt that is in collection I have no knowledge of. I left the company with everything paid off. Now I have a negative balance under my credit & I cant open any phone line. Im going through financial stress because of this & need it remove. I dispute the issue at-least once a month with no solution. I want to fix this issue as soon as possible. The amount is {$1500.00}. The collection agency the debt is in is called consumer outsourcing inc. this is very unfair & is a billing error.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (NY)

On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXX company for {$800.00} from XX/XX/XXXX. The debt collector is Solomon & Solomon P C ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. 

On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. 

Solomon and Solomon sold a debt that was paid off. The duplicate account, now owned by XXXX XXXX XXXX XXXX ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. 

I paid the {$800.00} debt to Solomon and Solomon, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I am writing this letter to explain my concern regarding how credit card banking companies are handling customers for their profits. I have opened Bank of America XXXX XXXX credit card in XXXX and never had any late payments. Despite being very loyal to the bank and no misues, I have received an email from the bank saying " Unfortunately your credit card account has been closed '' on XX/XX/XXXX. This is very alarming to have these type of bank side frauds after taking XXXX  and XXXX  of dollars of Interest for being their customer for 6yrs and more now.
Consumer complaint received 2022-06-21
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. (FL)

There are multiple errors on my credit report. I have been trying to fix these errors for months. These things have been re-inserted multiple times onto my account. Not only is it incorrect and erroneous however it is not permitted that derogatory items be re-inserted once they are taken off. The account of XXXX XXXX  was never late I have sent in sufficient proof showing evidence of this. I have sent how the item looks in other credit reports multiple times and this issue still has not been fixed on Trans Union. I also have a late payment showing on XXXX XXXX  self lender in which the payment was not late and the company said that they can XXXX remove it I have also tried to dispute this and have not been able to take it off. The account shows incorrect information such as name, amount owed, balance, etc. We also have some closed accounts with late payments these payments occurred during the pandemic. The accounts XXXX finance and XXXX consumer are incorrect and erroneous they do not have my valid information they have incorrect account information and derogatory items should be taken off. Last payment date in incorrect and monthly payment is incorrect. XXXX and XXXX negative items were also reinserted after being taken off. I have a loan from XXXX XXXX financial that was taken off from my report. When I call the credit bureaus they tell me to call my creditor but when I call the financier they said i I have to call my credit bureaus. Its an entire run around. I also have a loan from snap finance paid in full and would like to add to my report.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

The Attachments are pertaining to EQUIFAX 's Business Risk Grade Service only. 
This is not about a Business Credit Report Correction. All 4 Business Credit Reports that Equifax Commercial has mailed us in the past year agree with My Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA having a perfect Business Credit. 

However, in the past year, Equifax Solutions we have found out from XXXX has repeatedly reported my Bushiness ' Risk Rating as a D. Even with the perfect Credit reports that they do have. 
Further, when we have investigated this Matter over and over with Equifax and even with a Complaint to the XXXX XXXX XXXX, Equifax did NOT ADDRESS our CONCERN about our RISK GRADE WHICH HAS NOW BEEN REPORTED BY EQUIFAX FOR ALMOST A YEAR AT XXXX. This is Unfortunate. I hope that Equifax will ASK XXXX to assist. And that together, they will properly review and Correct My Company, XXXX XXXX Risk Grade from the INVALID AND DEROGATORY D RISK TO THE A/B CREDIT RISK GRADE THAT WE BOTH HAVE AND DESERVE TO BE CONSIDERED BY LENDERS, Rather than Excluded because of Equifax 's FAKE, FALSE AND SLANDEROUS D RISK THAT THEY HAVE BEEN PERPETUALLY REPORTING FOR ALMOST A YEAR DESPITE OUR REQUESTS FOR HELP FROM EQUIFAX and XXXX TO RESOLVE. That they choose to Ignore dispute our protest and our Dispute. They just blame each other. PLEASE see all of our Attachments, Proof and Etc involving Equifax, our DISPUTED D RISK RATING ( NOT A DISPUTE BUS CREDIT REPORT- A RISK RATING, THE EQUIFAX KNOWS WHAT THEY OFFER Correct?
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

I have written several times to these credit card companies since XXXX  in that these charges are fraudulent and that I did not authorize while I was not allowed in my home. IE. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These cards where at a XXXX  balance and numerous times I have written and even call the card company on the disputed charges that are now on my Credit Report. 

Also, I have informed the Credit Bureau of Identity Theft of my information that I have submit to the FTC and the Local Police and now I am receiving threats of inappropriate conduct of collection agencies calling me names and even insulted me by calling me using inappropriate language. The federal Fair Debt Collection Practices Act ( FDCPA ) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law. Being threaten that I committed Fraud and that I will be arrested ; this is a violation of this Act. LVNV Funding LLC and XXXX XXXX XXXX are both companies that have called me an threaten me with arrest due to fraud and used inappropriate language towards me. In that they were informed by the Illinois XXXX XXXX that their conduct is a violation of this Act. In that I also filed a complaint against them to the FTC for this action. 
Numerous times, I have file with the Credit Bureau and with XXXX XXXX, that the Veterans Affairs is responsible for this bill and that the VA had paid the company and still being harassed in a Debt that was the Veteran Affairs Responsibility. In accordance with the Act, this is not to be on my credit report and that its still there after 5 years of frighten with this issue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, The scoring program used by TransUnion incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years. 
-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ). 
-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %. 
-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments. 
-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts. 

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. Transunion 's new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my rightto know of what is going on with my credit report.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have had this particular account with Capital One since XX/XX/XXXX and have been making payments out of my XXXX XXXX  personal checking account since that time. In XX/XX/XXXX, Capital One put a restriction on my card and required that I either A. sit on the phone and wait for 2 hours until XXXX XXXX  could verify my account is actually mine or B. get a copy of my statement with a full account number on it, which XXXX does not provide. I have not made a purchase on that card since XX/XX/XXXX. I called numerous times to try to rectify the situation and sent them a statement not realizing it was not what they wanted and since my account was restricted, I did not realize I would be able to make a payment until after the due date. I paid the account in full on XX/XX/XXXX. They then charged me a late fee and interest and the supervisor I spoke with said she would get rid of the late fee. Since I paid it in full, I did not realize there was any type of balance on the account. Every month since XXXX, I have been getting charged interest on purchases and late fees even though I have not made a purchase since XXXX. They reported me late on these bogus interest charges in XXXX, which is my main concern, and refuse to fix it because my account is restricted. They also will not tell me why my account is restricted, other than the fact that I make payments both online on my computer and via the mobile app.
Consumer complaint received 2021-11-09
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. (CA)

I HAVE A COLLECTION ACCOUNT SHOWING ON MY CREDIT REPORT THAT NEEDS TO GET DELETED BECAUSE IT WAS PART OF MY IDENTITY THEFT CASE A FEW YEARS AGO.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

My Great Grandfather started a trust fund/XXXX  Account with XXXX XXXX for me to collect when I turned the age of XXXX. Once I turned XXXX, I had the funds in my XXXX account sent to me through a check on XX/XX/XXXX. I deposited that check through Suntust mobile deposit on XX/XX/XXXX. Shortly after, I found out Suntrust put my bank account on hold and held my check for suspected fraudulent activity.
I was instructed by Branch Manager of the XXXX XXXX Ga XXXX XXXX XXXX XXXX, to go through XXXX XXXX XXXX to prove the check was not fraudulent and once proven I would receive my funds. After going through the process of proving the legitimacy of the funds with XXXX XXXX XXXX and having all fraudulent activity and history removed from my Suntrust account I still did not receive my funds. After many months of unhelpful back and forth between XXXX XXXX, XXXX XXXX, and myself, XXXX XXXX refused to contact myself or XXXX XXXX or answer any calls from XXXX XXXX. 
After contacting SunTrust customer service, on XX/XX/XXXX, and speaking with a representative by the name of XXXX XXXX they told me that they could not help me but recommended I speak with a different branch manager. 
On XX/XX/XXXX, I spoke with Branch Manager, XXXX XXXX XXXX of the XXXX XXXX in XXXX GA XXXX He stated that I had sufficiently proven the check was not fraudulent but Suntrust refuses to realese my funds to me unless XXXX XXXX agrees to issue a Hold Harmless Letter. After XXXX XXXX  manager, XXXX XXXX, spoke with XXXX XXXX regarding the situation ; she explained that XXXX can not legally issue this type of letter for this situation.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in regards to several accounts I have with Capital One the following accounts I'm referring to is XXXX, XXXX and XXXX which has late pays reporting in XX/XX/2021. I was impacted by Covid during that time and was unable to make the payments to those accounts. I know that Fema declared a disaster and that congress passed the CARES ACT to assist consumers that are having issues.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off : XXXX  XXXX XXXX {$2600.00} XXXX {$2600.00} XXXX  XXXX {$860.00} XXXX  XXXX {$460.00} XXXX {$1000.00} XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (IN)

On XX/XX/XXXX  a payment in the amount of {$1100.00} was paid to LoanCare via bill pay through the XXXX banking app, this is a past due payment for XXXX. The payment was applied to our mortgage account however the payment changed, without my knowledge, and the full amount was XXXX cents short. Once I realized it on XX/XX/XXXX  I paid {$1.00} to LoanCare via bill pay through the XXXX banking app. Since then I've gotten letters stating I owe three months worth of payments and I will be in default if not paid by XX/XX/. I've spoken with customer service representatives on XX/XX/XXXX  and at that time nothing was mentioned about the possibility of default but I was told if I made at least one payment I would be in better standing. I've now tried numerous times to contact their call center and can not, they have no email option and I've attempted to use their contact us option on their website but I get a response back stating they can not find the payment I made.
Consumer complaint received 2023-07-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This complaint is NOT ABOUT A CREDITOR/VENDOR... IT IS ABOUT THE CFPB. 

As you are aware... I have submitted several complaints about improper/illegal use/entries and negative information being applied to my credit reports by certain " creditors '' ... 

The results of these complaints have been ... instead of you, the CFPB INVESTIGATING MY COMPLAINT... YOU SIMPLY HANDED OVER MY UPDATED PERSONAL INFORMATION, CONTACT PHONE NUMBER TO THE VERY COMPANIES WHO HAVE VIOLATED MY RIGHTS ... THEREBY ALLOWING THEM TO VIOLATE MY RIGHTS AGAIN BY CALLING ME AT MY HOME AT XXXX PM TO TRY COLLECT ON SO CALLED DEBTS FROM NEARLY SEVEN YEARS AGO. 

When I discovered the above, I called your organization to inquire about this and I was appalled ... when I asked the representative on the phone ... '' why didn't you investigate my claims? ... she stated ... '' WE ONLY ENFORCE THESE CREDIT LAWS IN SITUATIONS WHERE MANY COMPLAINTS ABOUT THE SAME VIOLATOR HAVE BEEN RECEIVED '' ... THEN, I ASKED THE REPRESENTATIVE... WHY DO YOU ALLOW THESE CREDITORS/VENDORS TO POLICE THEMSELVES? ... her response was... ( SILENCE ON THE LINE ) ... NO RESPONSE TO MY QUESTION. 

SO now I ask you, the CFPB, " WHY DID YOU VIOLATE MY PRIVACY BY ALLOWING THESE CREDITORS TO POLICE THEMSELVES? '' I WANT AN INVESTIGATION COMPLETED BY YOU, THE CFPB INTO MY FORMER COMPLAINTS AND A RESPONSE BY YOU, THE CFPB TO MY COMPLAINTS. 

I BELIEVE THAT YOU, THE CFPB HAVE VIOLATED MY RIGHTS UNDER THE FAIR CREDIT LAWS AND HAVE CERTAINLY VIOLATED MY TRUST IN YOUR ORGANIZATION... WHO IS SUPPOSED TO PROTECT MY RIGHTS. 

I await YOUR INVESTIGATION INTO MY FORMER COMPLAINTS ( WHICH YOU SIMPLY ALLOWED MY CREDITORS TO INVESTIGATE/POLICE THEMSELVES ) AND WRITTEN RESULTS OF SAME.