davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I sent a certified letter in response to a listing on my credit report pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) for a claim for disputed and validation is request. 

I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in the matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I asked them to please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter. 

I asked them to provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. Instead, they sent me a computer print-out that does not even have my signature. My point is that they have failed to prove this account is mine. I did not request a " verification '' that they have my mailing address, I requested a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them.
Consumer complaint received 2018-10-30
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX , XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Consumer complaint received 2018-03-30
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: MEDALLION MORTGAGE COMPANY (NC)

I reached out to these companies about inquiries that are on my report I in fact do not recognize I had a fraud alert on my credit report due to identity theft I have mailed letters to these companies and requested verification and have not received back yet
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX.

I have attached What these items are :
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Inaccurate account appearing on my credit report the account. The account is past the date of first delinquency and needs to be removed. Account is a XXXX  acoount # XXXX.
Consumer complaint received 2018-03-30
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: SYNCHRONY FINANCIAL (CA)

I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE on the XXXX submission process as well as the FCRA
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (TN)

This is a robocall so I am unable to talk with anyone. They call everyday and sometimes twice a day. As I have never heard of this company, and the call says the company is Monarch Recovery, I XXXX and it is listed as a collection agency. I know they are calling the wrong number as I have no debts except a mortgage, which is not behind, and my credit rating is XXXX!!!
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Tribal Lending Enterprise, Inc. (WA)

I am from Washington state, XXXX, I was borrowed a money from XXXX XXXX XXXX institution a year ago about {$500.00} dollars on principal amount.I was paid the {$500.00} dollars in a short term period and they ask me an interest which is almost {$1000.00} dollars. This is beyond my situation. I didn't know about this lender before about their non license business which they are conducted in washington.This lender XXXX XXXX XXXX  insult me by many call and I am asking now a serous investigation must be taken by this lender how they are working their business and their beyond interest charges.
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Walwick, Inc (WA)

My husband had a XXXX in XX/XX/2014 and there were some problems with the insurance card in file was the same insurance company but not longer the current insurance. 
I had several calls to the medical billing department about my insurance did not received these medical claims for this XXXX this was going on for several months. Then went I received the bill from them it was incorrect amount cover by they insurance they went back and for and to be honest a forgot about this bill. Time past then I received a collection notice from XXXX XXXX XXXX XXXX I talked to them about the amount see to height after insurance paintments. It was other medical bill that I just payed with the same collection and I was waiting for them to clear my credit before paid this bill. Time past by and they stop to contact me until I checked my XXXX XXXX   and I found a balance of {$1500.00} plus I did not understand. XXXX  told me I owned this medical bill for my husband I want to pay it but they want me to contact the XXXX. I called them and they are charging interest on my account when they had stop their collection letter only after I call them they send me one. They are not willing to work with me and want to keep change interest.
Consumer complaint received 2018-11-01
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. (TX)

Experian reportedly verified a Bankruptcy file date on XX/XX/2018. By law, I have the right to request and receive the following information regarding how that information was verified. If that information from the XX/XX/2018 investigation is not received, Experian is in clear violation of FCRA laws and the item must be deleted. ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. The CRAs must respond to my request within 15 days and provide the information.
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I was formerly a XXXX  customer and decided to switch to XXXX in XX/XX/XXXXor XX/XX/XXXX. Then I contacted XXXX  via cellphone stating that I canceled my insurance and showed proof via email that I was a XXXX customer ( the representative told me that if I didn't show proof that I switched then I would be charged which I promptly did. The representative then said that I didn't have to pay any amount because I called in to cancel and that I was already insured. ) Now I was getting strange phone calls and emails stating that indeed I owed them money for cancelling or I didn't show any proof of insurance. I now have no vehicle because it was totaled in an accident and we are currently involved in a lawsuit because I have XXXX and the other person involved has XXXX   insurance.
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (FL)

On my billing statement dated XX/XX/18 there is a line item for " EARN TAX '' in the amount of {$35.00}. I have emailed GM Financial twice to receive an explanation of what this charge could be for and have yet to receive a reply elaborating why I have this additional fee on my account.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX, XXXX and Experian are reporting misinformation On my credit report. XXXX XXXX should show a XXXX balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX  balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.
Consumer complaint received 2018-02-15
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 (NV)

Capital One had opened an account for someone in my name and I disputed the account but they refuse to close the account when I notified them I did not open the account. I tried to reason with them but they only wanted me to pay on the account. I was told that whoever had the account had made payments at times on the account and that the account would continue to be reported to my credit file. Therefore I ask what must I do to get it closed and I was told to pay the balance owed and than they could close the account, so I did. I have checked my credit file and the account is still being reported to my credit files all ( 3 ) credit bureaus.
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (KY)

This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from  Enhanced Recovery Corp.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) t o protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt an d HIPAA author ization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.       XXXX   XXXX   XXXX   XXXX   needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XX/XX/2016    amount {$720.00}
Consumer complaint received 2018-03-30
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. (NE)

the following items I have been disputing has not been removed from by credit report on XXXX as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX  to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The account is listed as delinquent and claims that I owe them {$290.00} I had a secured card that I submitted {$250.00} as a security. I am a XXXX veteran and had to relocate for health reasons. I went to close out the account and was told that I had to pay them to close my account. I had to pay to open the account, I financed the account, and now they say I have to pay to close the account. I wrote and told them that I would pay them if they would show me anywhere they loaned or gave me monies or credit. I provided ALL the credit and now they lie and say I am the debtor. They never responded to me yet they keep this negative report on my credit record and it is causing me great anguish as it overly interferes with my life, liberty, and the pursuit of my happiness.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (NM)

On or around XX/XX/2017 I attempted to make a payment on my credit card with Navy Federal credit union. I recently switched banks from Navy federal to XXXX XXXX in mid XX/XX/XXXX. When attempting to make a payment i was only aware of one XXXX XXXX account linked to my Navy federal account, which was the account I used to make a payment on my Navy federal credit card. The problem is, is that Navy federal attempted to make that payment with a closed account that was linked to my Navy federal account from nine years ago. I was never Notified via Email which is what XXXX XXXX the business operations specialist is claiming their form of communication had been done through, however after speaking with a representative at the branch they stated my email notification was turned off and was not able to send an email. I also never received notification through my online banking which is another form of communication aside from email. It was not until mid XX/XX/XXXX that I got notification and that was not from Navy Federal that was from XXXX XXXX   showing that I had a late payment after my credit score dropped 65 points due to them reporting a late payment. I have tried to make this right and get down to the bottom of this misunderstanding with Navy Federal but they are not willing to fix this. I was told they were sending me a letter explaining why they could not fix this and still after 12 business days have yet to receive any form of communication regarding this matter with Navy Federal other then their initial response stating they sent an email notification when this first took place.This is my second complaint I have filed with CFPB regarding this matter. Navy Federal has taken no responsibility and refuses to make this right. Complaint Number from First complaint XXXX
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Two weeks ago Citibank stole over 1 million of my and my wifes XXXX XXXX, which were earned over a 40 year relationship with the bank, by closing our credit cards without notice. Citi asserts that once a card is closed the points are forfeited. But we did not close the cards! We were completely blindsided and were not offered an opportunity to access our points prior to their shocking action in terminating our cards without notice. Despite having absolutely clean credit records compiled over 40 years of banking with Citi, we were neither given a reason nor the ability to challenge whatever faulty logic they used to cancel our cards and usurp all the points we had earned over a lifetime of business with Citibank. It is appalling, and wrong, for Citibank to confiscate assets without a ) providing a specific reason, b ) allowing for a prior discussion to prevent wrongful closures, whose impact negatively affects consumers and c ) most importantly, does not allow consumers to access and dispose of their hard-earned points prior to a secretive analysis by a bank to close accounts. We can demonstrate that the value of the over 1 million points Citibank stole easily exceeds {$50000.00}. The combined annual fees on the cards Citibank closed approaches {$2000.00} ; Citibank has not offered to refund those either. Further, Citibanks precipitous action has harmed our near perfect 45 year credit history, which will cause irreparable harm to our finances. Without appropriate and immediate relief, we will pursue every avenue to recover substantial damages from this wanton act by Citibank in closing our credit cards and seizing our valuable Thank You point assets.
Consumer complaint received 2018-03-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF THE WEST (CA)

During the loan origination process I requested the due date to be XXXX of each month. The loan documents were drawn and the date was set for the XXXX, however I was assured the due date would be changed. The date was not changed and starting on the XXXX of every month I receive numerous calls about being past due. I have requested the date be changed as promised but have been told the account is past due therefore it can't be completed. This is just a method to be able to access a late fee in the amount of XXXX. I want the due date change as promised and all late fees waived.
Consumer complaint received 2018-03-31
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. (FL)

I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a XXXX XXXX  collection on my account that is not mine. I have called XXXX XXXX telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.