davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
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 (CA)

XX/XX/XXXX I have sent out certified letters disputing the errors on my credit report. 
asking for proof that I owe debt. and to show me the validity of debt.. 
XX/XX/XXXX they sent me letter saying i am aware they represent doctors that they confirm theres an outstanding balance with no further information like i requested. 
except a bill. 
XX/XX/XXXX I send a second letter Stating that is not enough that I have rights and i have given them over 30 days to remedy situation. Since they can not give proper validation to remove from my credit report. 
XX/XX/XXXX they send me same letter in response. That I am aware they represent doctors. and they have confirmed it is valid and i am aware the balance is outstanding. 
I have disbuted with credit bureas the credit bureas are not doing proper investigations I make phone call to the agency regarding this and ask to remove. 

XX/XX/XXXX they send me yet another letter same as the others. I am aware they represent doctors. the debts are outstanding ... ..they are also over 5 years old They were my fathers he passed away. I have also told the statutes of limitations are over please remove. there are many resons to remove from my credit report 1 not mine i have not lived in florida since XX/XX/XXXX 2. they will not send me proper validation or anything which i lsted in attached letters according to facta FDCPA Fair Credit Reporting Act Violation of Fair Debt Collection Practices 3. statutes of limitations are over. 

I tried calling the agency on bill they had no records and would not speak to me due to HIIPA laws
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CT)

I previously had an old collection for XXXX XXXX on my credit report which I diputed due to the account not being mine. the collection was deleted from my credit report in XX/XX/XXXX. In XX/XX/XXXX I received several notifications through my credit monitoring phone applications the I had a new collection on my credit report. Upon researching I noticed it was XXXX XXXX   trying to collect a debt in the amount of {$780.00} for XXXX XXXX. I have never had XXXX XXXX, so Disputed the collection and I got a response stating the collection is " accurate '', which it definitely is not, again I have never had XXXX XXXX services. Convergent is stating the debt is from XX/XX/XXXX which again is completely false. I tried reaching out to XXXX XXXX and was unable to get any information from them.
Consumer complaint received 2018-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

i submitted my information to equifax via fax at XXXX and XXXX on XX/XX/XXXX. I called back to verify twice to make sure my documents were recieved and processed on XX/XX/XXXX. Rep verified and retrieved the docs i submitted and told me my information was not processed as of yet with no real reason. SHe verified that equifax had got it on XX/XX/XXXX. I called back on XX/XX/XXXX to inquire about my updated reports and rep explained to me that my information was never processed from the mail room. I requested that all the information i disputed need to be deleted cause the 30 day window had expired to do so. They said they not allowed to do that even though my rights under the FCRA has been violated. I checked back with equifax on XX/XX/XXXX and still nothing has been resolved. I am requesting that the information be deleted due to negligence and violations.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

After working so hard building my credits history throughout the years. I have some of my pay off credits account closed by creditors, due to the accounts not being active, without my consent. 
Due to the creditors closing my accounts that have been paid off in full, I the consumer will lose all the payment history and credits records. I want to know what are my options in this case as a Consumer? 
Due to long term of unemployment or being underpay, its became harder and harder for me as a consumer to keep up with my regular monthly payments. By doing so, I am going to find myself into the following issues : Without having a job and paying my landers I will be sued by creditors, Banks, and negative information will be reported to the credit bureau. And If I am a renter I will be evicted from my apartment. And If I am a home owner, I will lose my home and facing the harassments from the banks and going into foreclosure. 
I the consumer will have a harder time to buy, rent, or get an approval for a new credit cards in future due to negative reports. In America we can pay our Monthly bills only if we are working. Since XX/XX/2008, Most us In the United States of America, have no jobs, or we are working but underpay. 
So, My question is Do we need credits reports to be better citizens in this country? 
If so, Why the consumers, are the victims on borrowing, being scams, and poor credits rating. Despites of paying your bills in past?
Consumer complaint received 2018-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

A couple months ago I received a phone call from a gentleman claiming to be from Wells Fargo. I was told that money had been deposited to my account by accident and needed to be sent back via money transfer. To verify I checked my account balance, it showed more money than what was originally in the account. Therefore, I made the money transfers ( one on XX/XX/XXXX for the amount of {$1900.00}, and one XX/XX/XXXX for the amount of {$1900.00} ) as told by the Wells Fargo representative. When I noticed by accounts were over drawn I contacted Wells Fargo. Wells Fargo determined that deposited monies were fraudulent in the form of fake sequential checks. It wasn't until after I had sent the money, that the bank rejected the fake checks, leaving my account overdrawn nearly {$3000.00}.
Consumer complaint received 2023-05-27
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

The Fair Credit Reporting Act 15 USC 1681 section 602 specifically states that consumer reporting agencies must uphold fairness, impartiality, and the consumers right to privacy when dealing with personal information. Both XXXX and XXXX are consumer reporting agencies, and as the consumer, I have the right to control how my private information is handled. According to 15 USC 6801, financial institutions must protect the privacy of their customers. In this case, you do not have my written consent to share or report my information. Under 15 USC 1681 section 604, any furnishing of my consumer report must be done with my written instructions, which you do not possess. Furthermore, I revoke any implied or previous consent immediately. Under 15 USC 6802, I should have been given the option to opt out of sharing, which was not communicated to me. Lastly, according to 15 USC 1681C, reporting adverse items older than seven years is illegal. You have violated multiple sections of federal law by reporting this account, and I expect this account to be removed from my report promptly.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

A couple of months ago I called Citibank to make a credit card payment over the phone. The agent would not accept my credit card payment. Instead, he told me there were several fraudulent transactions on my credit card account and that I would be receiving a new credit card. The company never sent the new credit cards, and they closed the accounts demanding money and trying to ruin my credit.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (SC)

I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (OR)

On XX/XX/XXXX I found that I was the victim of identity theft and I did not recognize the debt on my credit report. Upon researching my credit report and speaking with Perfection Collection and XXXX, I was able to find out a person that shares my same name had a debt with XXXX XXXX XXXX. A person with my same name in XXXX, XXXX did not pay {$2400.00} ; XXXX charged off the debt to a third party collector. The third party collector was Perfection Collection LLC. 

At that time, Perfection Collection LLC erroneously applied my social security number to the debt. I only share the same name as the responsible party. 

Since XX/XX/XXXX I have been in contact with XXXX and Perfection Collection LLC without a satisfactory resolution of this incorrect debt. 

I did not sign up for that account, that debt is not mine, and I am not legally liable for the debt. However, because of Perfection Collection LLCs mistake and XXXX inability to fix the originating account ; I have had a negative credit impact. It has negatively affected my credit score and my ability to make credit decisions. 

I have also tried to supply sufficient evidence including my driver 's license and employment verification that this is not my debt. Neither company has been able to resolve the situation. Perfection Collection LLC sent me a copy of the XXXX contract. It is clear that it is not my signature. This has not been solved by either XXXX or from Perfection Collection LLC. Both of these companies are responsible for having wrongly applied this debt to my credit report, and not sufficiently fixing it. 

I have asked both companies for a letter stating that this is false so I can submit it my credit reports. They have failed to do so. 

Third party collection company Perfection Collection LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX phone : XXXX and the originating creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone XXXX.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (NY)

I am writing in an effort to get my mortgage servicer, and by extention, my PMI provider, to automatically cancel my monthly mortgage insurance premiums. I have been in touch with AFR-American Financial Resources on many occasions over the past several months. Initially to request that my PMI be cancelled once my LTV reached 80 % and then, because they were making my life so difficult, I decided to wait until it would be automatically terminated. Or so I thought. My understanding is that, as long as my account is current, and my payment history has been clean, and my Loan to Value ( LTV ) breaches 78 %, the PMI is required to be terminated immediately. I called at the point that it reached 78 % and was told many reasons why it was not applicable. One representative told me that I had not reached the chronological midpoint of my amortization schedule, and that until that happened I would not have the PMI automatically cancelled. Another told me that they received some indication that the value of my home had decreased in value from the point I had taken the mortgage, and for that reason I would not be able to cancel or terminate the PMI. My understanding of the Federal Law is that once I breach 78 % LTV ( it is now 75 % ) they are obligated to terminate immediately. I do not believe either of those reasons are relevant in this case. Those are items that come into play if I am requesting that my PMI be cancelled ( at LTV 80 % ) My fear is that this is not an isolated incident, and that many other folks are having the same experience, perhaps less able to pay this unfair and added charge, Even if it turns out to be 1, 2, or 3 additional payments past the 78 % LTV mark, if you consider the number of potentially affected mortgages, we could be talking about tens of millions of dollars in unwarranted payments. Thus the size of this potential windfall might be a motivating factor in delaying the required termination process, which of course sets up the possibility of a class action offense. There is much more detail that I could provide, and several unkept promises from the service desk during this unending process, but the information mentioned above are the key facts.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC (MD)

Mariner Finance is distributing misleading advertising that appears designed to take advantage of consumers with low financial education, low literacy, or low English proficiency. They mailed me a offer for a personal loan disguised as a " check '' that, to someone unfamiliar, would appear as a real check similar to a paycheck or reimbursement. I feel this likely traps many people in high interest loans that they do not understand. They even state in the fine print that if you cash this check they will send additional checks from time to time that represent additional loans. This is predatory, and will ensnare consumers in high interest debt that they do not understand. I received this misleading advertising on XXXX
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

On XX/XX/2018 I sent the final payment to XXXX Credit Card ( phone XXXX ) to complete a 12 month special promotion. They claim they did not receive my check so I agreed to send a another check by overnight mail. They then cashed both checks, the one they claim they did not receive plus the one I sent overnight. 
They said they would send an electronic transfer to my checking account for the over payment. They have not done that as of today, although they said it would be an immediate transfer to my checking account. 
The amount I am owed is {$2200.00}. I have also incurred costs of late payment fee and USPS cost for overnight mail. 
In trying to resolve this issue, I have dealt by phone with two supervisors who 1. Lied about not receiving my first payment and 2. Lied about returning the overpayment. 
My payment record for over 40 yrs with XXXX, XXXX, XXXX is without blemish and I have credit score over 800. However, this is the second time Ive experienced this problem with XXXX  special credit promotions when they claim to not have received the final payment on time, so I accept personal criticism for being fooled twice. I believe this practice by XXXX Is intentional so that they can bill a late fee plus accrued interest. I sent the final payment in ample time to meet their required date. They of course can claim they did not get the check, how can the customer argue or have proof that XXXX did have the payment on time?
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I filed a complaint against Select Portfolio Servicing a few months ago. As a result of this complaint SPS agreed to work with me and to allow me access to homeowner programs that they had blocked me from in the past. I have had a change in financial circumstance and am in a better position to qualify for these programs. We did as they requested and submitted a full package for review to SPS 30 days prior to our upcoming sale date. However, SPS is stating that they refuse to even look at the package because it was received less than 37 days before the scheduled sale date of XX/XX/XXXX. We feel that SPS has not been straight or forthcoming with us. We had not been given a deadline prior to the submission of the updated documents and had been told that they would work with us.

We suffered a true hardship a few years ago but have slowly rebuilt ourselves financially and have applied for help over and over with SPS.  When we finally got them to respond we were offered a repayment plan that raised our payment significantly. We dont know how they came up with these figures, or what type of financial information SPS was looking at, but there is no way that we could enter into that agreement. After months ( that dragged into years ) of attempts to get their attention we were finally able to get reviewed for assistance last summer. However, we were denied due to " not being able to create an affordable payment. '' Through repeated phone calls we found that this meant that we did not have sufficient income. We tried to get information as to exactly what type of income calculations were used and what inputs were used for this evaluation. We never received any of this information. Our property is a three-unit triplex, and we have renters in the other two units, and my husband and I live in our unit along with our XXXX grown sons. We have owned this property for 20 years. 

After the denial in XX/XX/XXXX and the failure to provide us with the income and input information we wrote SPS a letter and also contacted several regulatory agencies ( including the CFPB ). We explained that our financial circumstances had changed and that we want a new review to be conducted based our current and correct income. I am self employed in XXXX  and my business is continuing to grow. My wife has worked as a XXXX XXXX XXXX for 7 years. We receive rental income from the additional units and my XXXX adult children are starting to contribute. We have the financial means and income to afford a reasonable payment and deserve a new review. In fact, when SPS responded to us they encouraged such a review, and a new package was submitted on XX/XX/XXXX. However, their agents told us that they would not even LOOK at our package, because it was received less than 37 days before our scheduled sale date ofXX/XX/XXXX. We have been playing these games and dealing with obstruction by SPS for  far too long!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

XXXX evrthing seem good my cell phone my XXXX went XXXX and started acting funny didnt make much of it so I lefy iy alone and it seemed to me I would have to nuy a anew XXXX XXXX move all my accounts my XXXX and other information was XXXX and then use against my will here is the result of this XXXX move XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.