davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (SC)

I have 3 accounts with XXXX XXXX. I am a patient there. I was not notified of the outstanding balance and when I would have an appointment and ask if I have a balance I am told no there is not a balance. Recently, I applied for a home loan and was made aware of the medical debt. I paid it immediately. I contacted XXXX to ask why was I not notified and asked why was it sent to collections when they did not validate the debt. I was sent to the billing office and told basically there was nothing they could do to correct the issue because it had been sent to collections. I advised that I had paid the balance with MediCredit and XXXX XXXX XXXX. They said they no longer report to MediCredit so they did not send the debt there. I have the receipt where I paid MediCredit. I feel that XXXX and MediCredit are not communicating with each other and it is negatively affecting my credit. I would like for XXXX or Medicredit to take responsibility for not notifying me before this was reported to the credit bureau allowing me the opportunity to pay it. This is abusive practices on behalf of the collection agency and negligent behavior on behalf of the creditor.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: eCon Credit LP (MO)

I OPENED an account with XXXX XXXX, and XXXX XXXX in XX/XX/2020. I set up auto pay, and for 2 months the payments were deducted without a problem. In the 3rd month XXXX XXXX and XXXX the payments were not deducted, and the ability to make the payments was not allowed on the website, In addition no one will answer the phone when you call them. As a result there are now 2-90 day late payments from NATIONWIDE ACCEPTANCE which is the loan servicer for XXXX XXXX, and XXXX XXXX
Consumer complaint received 2022-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CO)

I have not received my debit card although it has been more than the 7-10 business days allotted since the opening of my bank account with SoFi. I also received a message that my bank accounts ( BOTH CHECKING AND SAVINGS ) was frozen on XX/XX/XXXX and have been calling several phone numbers linked to SoFi. Anytime I am able to speak to an actual human, which is rare, they work for other parts of the company and state they have no ability to inform me as to why my account is frozen. They can only see that it is frozen. They always end up directing me to their Fraud Monitoring Team who has a voicemail machine acting as their liaison. Whenever I am transferred, or call their fraud team directly, their is an automated message saying that it is going to get a representative on the line for me immediately followed by, Im sorry all of our agents are busy right now, please leave a message. I have left multiple voicemails, everyday since as well as emails.
Consumer complaint received 2019-10-22
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. (VA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-10-22
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. (VA)

XXXX and Experian are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in 2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc. (TX)

This company has harrassed me with calls and threats about an alleged debt after causing personal injury to my credit report without written consent. I have sent them certified mail in attempts to cure their misconduct first notice on XXXX XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX, second notice on XXXX XXXX. Nemos Collections never supplied any proof of the debt and did not comply with Hippa Regulations along with excessive calls and threats. I have supplied a copy of a call from them which is attached on XX/XX/2022. 


A HIPAA violation is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. 

TCPA violations can often be combined with FDCPA violations, as a debt collector may use an automatic dialing system to call your cell phone in order to collect a debt. The statutory penalties for a violation of the TCPA are {$500.00} per violation and up to {$1500.00} per violation for a purposeful violation. 

The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. 1692d ( 5 ) specifically forbids a collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was a victim of identity theft, i know who the person who used my credit cards without my authorization. I recently ran my credit and have found negative credit hits that i was not aware off. I have filed a identity theft report with FTC and provided the report to my creditors and a sealed court document from the district attorney where i made the court aware of this individual stealing from me. I have reached out to my creditors to discuss my situation, they all take this complaint lightly stating i am to honor the debt. Some claim there was an investigation done in 1 week. I have demanded an investigation to be performed in detail from XX/XX/XXXX thru XX/XX/XXXX on signatures to transactions on the credit cards with no success.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I currently have my XX/XX/XXXX accounts at Bank of America since XXXX. In XX/XX/XXXX I instructed the bank that my Legal business name and tax ID # was NOT changing only my XX/XX/XXXX name and submitted all the required paperwork to have the XX/XX/XXXX changed. I was told that in XX/XX/XXXX, BofA changed their policy and I can no longer change the XX/XX/XXXX name and would be required to open all new XX/XX/XXXX accounts. I explained that 2 other banks in the area had no problem just changing the XXXX name since my Legal name and tax ID was not changing. After speaking to the branch, I then called the XXXX number and was told they will look into it. I also explained that this is fraudulent sales practices just to obtain new business accounts. I have numerous ach withdrawals that come out of the account and it is also tied to my XXXX XXXX, state sales tax etc. and this is unfair. I then received a letter in the mail dated XX/XX/XXXX informing me that I can go into the branch to change the XXXX name. I reached out to the branch again on XX/XX/XXXX informing them that I received a letter stating to go into the branch to change XXXX name. 
On XX/XX/XXXX, the manager contacted me to let me know this is a generic letter that went out to me and to ignore it and I would be required to open all new accounts as the policy changed and they can no longer change the XXXX name on the account. I will not be opening new accounts at bofa and will be moving my accounts, however, this is deceptive just to obtain new accounts to meet sales goals, I believe this is similar to XXXX fraudulent sales practices, except in this case it is not the employees doing this it is the change to their corporate policy, so therefore it makes it Legal. I will be moving my accounts, however, in the meantime my checks may not be accepted as they will be made out to the new XXXX name. I plan on taking this to the media as well to let other XXXX XXXX customers in this XXXX area know that the bank is causing harm to customers requiring them to open new accounts for absolutely no reason at all. 
Case # XXXX Case # XXXX
Consumer complaint received 2020-12-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020, I sent an letter to Bank of America Home Loans ( account # XXXX ). I advised Bank of America Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently XXXX days past due. However, Bank of America Home Loans sold the loan to another company and should be reported XXXX days past due.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

On XXXX, 2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name. 
Most accounts have been resolved and removed from my credit report. 
Unfortunately, Discover card company is continuing their attempt to collect the debt that I do not owe through collection company. 
The collection agency is a law firm named XXXX and XXXX XXXX. 
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.
Consumer complaint received 2019-10-22
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. (VA)

Equifax and XXXX are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in XX/XX/2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

I received information in the mail from Convergent Outsourcing Inc in XX/XX/2019, for a XXXX XXXX bill that is not mines, nor have, had XXXX in the past 4 years. This debt is mines. I have also disputed this inaccurate information with the three major credit bureaus. I also sent a Validation to The collection company, no response.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The fax number to reach TransUnion either directly or though XXXX XXXX ( a wholly owned subsidiary of TransUnion ) is no longer working. 

I called and was unable to get through to a live rep at TransUnion however I have spoken to a representative at XXXX XXXX and they state the no longer accept information by fax as it states on their submission page here : XXXX XXXX XXXX They have stated that the only way to provide documentation now is by mail. 

I'm a member of a large consumer advocacy group and we are seeing 100 's of complaints by consumers whose letters and disputes to the bureaus are going unanswered. 

Faxing a letter is the best way to hold the bureaus accountable next to mailing the letter certified mail which costs upwards of {$5.00} that many of us don't have to squander. 

The Credit Bureaus should be required to maintain all viable means of communication. 

And when nearly a quarter of the population does not have access to reliable internet, fax is the only reliable means to send information quickly with proof of confirmation.
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (MI)

I LEASED A XXXX XXXX XXXX AND IT WAS SOLD TO XXXX XXXX ON XX/XX/XXXX. THEY INITALLY REPORTED THAT THE PAYMENT WAS LATE BUT IT WAS NOT BUT IN REVIEW OF MY CONTRACT, I SEE THAT I WAS CHARGED FOR A WARRANTY. NOT JUST ONE BUT MULTIPLE. I HAVE BEEN ATTEMPTING TO CONTACT FOR FOR A REFUDN BUT HAVE BEEN UNSUCCEFUL. WHAT A HORRIBLE WAY TO TREAT A CUSTOMER AND THEN TO ADD INJUST TO INSULT, THEY SENT A BILL FOR A LATE FEE FOR XXXX AND THE TRUCK WAS SOLD.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (KY)

I am disputing the reporting of an account by Barclays Bank Delaware on my credit report. The information reported by Barclays contains inaccuracies and can not be verified per the requirements of the Fair Credit Reporting Act ( FCRA ). 

Specifically : 1. The Date of First Delinquency ( DoFD ) appears incorrect. According to my understanding, the DoFD should be XX/XX/XXXX, but Barclays is reporting a later date. This discrepancy is critical because it impacts the timeframe for when this negative account should be removed from my credit report. 
2. The account shows repeated monthly charge-offs from XX/XX/XXXX through XX/XX/XXXX, despite the legal requirement that charge-offs be tied to the DoFD and not repeatedly reported. This creates a misleading impression and disproportionately affects my credit score. 
3. Barclays has failed to provide any validation or proof of the accuracy of this account, including statements, payment history, or evidence of ownership. 

I have attempted to dispute this with the credit bureaus, but they have not provided satisfactory resolution, nor has Barclays validated the account. As a result, I am requesting the following actions : Immediate deletion of the Barclays Bank Delaware account from my credit report due to its unverifiable and inaccurate status. 
A confirmation from Barclays and the credit bureaus that this account has been removed or corrected. 

Supporting Information : I do not have access to account records or statements due to the accounts age and Barclays failure to provide them. This lack of information underscores the importance of their compliance with validation and accurate reporting requirements under the FCRA.
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

HI LVNV FUNINDG / RESURGENT CAPITAL ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

Emergency Room visit XX/XX/20 was billed by Hospital and Physicians office billed separately but they did not file in a timely manner with insurance. They said they didn't have ins info but the hospital did where the physical is contracted. I was not aware of this debt until 2 months ago when I signed up for XXXX and saw this. I contacted the provider who said they just got the info and it is not timely for insurance. I have asked collection company to remove it since this was not my error and not in my control. They said they sent statements out that I did not receive and did not follow up with the hospital to get info. This needs to removed from collection. Insurance company has stated this is not legally my responsibility and should be written off by per contract.
Consumer complaint received 2019-04-13
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. (MD)

On XXXX XXXX, my mortgage lender discovered an open dispute on my credit report. It was a dispute on my Auto Loan. I have not disputed this account at all in the past. Equifax corrected the error and removed the dispute however that action dropped me credit score 24 points. Equifax is unable to explain why the drop in score happened AND their systems have been down for days, unable to access any accounts. I called a 4th time to remedy and the people over in XXXX are unable to access my account due to the information I've given being inconsistent. I should not be penalized for their mistake.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is an inaccurate account on my credit profile, reporting as XXXX XXXX XXXX XXXX. I have contacted the company and disputed this inaccurate account on several occasions and the account still remains on my credit profile. The company indicates The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

The credit reporting bureau needs to provide me with documentation proving the accuracy of the account. This account does not belong to me and needs to be removed. I have not been provided with any documentation such as that which holds my signature indicating that this account is accurate and the company is in violation of my consumer rights.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WSFS FINANCIAL CORPORATION (NJ)

A joint account was opened at WSFS Bank by my Mother which the money was later taken out of to XXXX balance. WSFS charged low balance fees for several months then closed the account and filed a claim for the amount owed in there fees and charges for a XXXX balance. WSFS Bank only sent notices to my Mother 's XXXX XXXX address, only notifying her of the amount owed. WSFS did not notify me of the amount owed, even though they had my address. 
I found out about the amount from credit reporting agency when they filed a unpaid claim on my credit. This is abuse by WSFS Bank by not notifying me of such, and then putting it on my credit. I have contacted WSFS and even paid the amount, but they refuse to take it off of my credit report. This is put there in error of WSFS, not contacting me first.