davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (NJ)

The source of this debt is a visit to the XXXX hospital. My wife was XXXX of 5 months at the time. She XXXX. All the literature states that if that happens, one should get checked asap. 
Therefore we went to the closest XXXX. Our XXXX plan has a coverage for XXXX visits with {$100.00} copay. 
We were admitted through the XXXX and taken to XXXX ( XXXX XXXX XXXX ) on a wheelchair without asking anything. Her insurance information was taken when admitted. 4 months later the hospital sent us a letter saying they were experiencing lack of cooperation from the insurance company. 
The insurance company has gone as far as stating that the XXXX should have contacted them before sending us to XXXX XXXX XXXX. The hospital ( logically ) argues in a situation of XXXX where there is a XXXX there is no time to waste on bureaucracies. 
When we called the hospital about the debt, they said there was nowhere to specify that the XXXX XXXX XXXX treatment was provided through the emergency room on the system. However, they said the insurance company should know all XXXX XXXX XXXX interventions are emergencies, as they are never scheduled. 
The insurance on their end argue that if the invoice does not specify that it is an emergency room situation with its corresponding code, it is not covered as such. 
We 've discussed with the hospital and they said the system does n't have that code input - it is either XXXX & XXXX or emergency room, but it can not be emergency XXXX XXXX XXXX, and the best they can do is put it as a note in the invoice. 
We 've gone as far as coordinating several calls between XXXX payments department and the XXXX financial departments to clarify the situation, and have reached a stalemate. XXXX claims they can not pay without the XXXX code, and XXXX say they can not do it on the system. I even have recordings of these calls where hospital agents admit it 's not our fault but they can not do anything about it. 
I 'm afraid there is nothing more I can do, but it is not my responsibility to pay the bill for something that is clearly a systems issue between the insurance company and the XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive file several complaints with CFPB and disputed this account on several different attempts with both XXXX and TransUnion to get this issue resolved and this will be my LAST Attempt before taking matters to the courts. 

XXXX and TransUnion is in violation of my FCRA rights. XXXX and TransUnion are NOT verifying this account and flat out lie when they say they are. 

I have contacted the furnisher at the same address that XXXX & TransUnion both have listed on my report. I Also have WRITTEN DOCUMENTS from that furnisher stating that this account CANT be verified with them because they DO NOT Verify With ANY credit bureaus. So who are XXXX and TransUnion getting there information from if not the account furnisher?? 

Furthermore it is a violation of my FCRA 15 U.S. Code 1681b - Permissible purposes of con ( a ) In general Subject to subsection ( c ), any consume reporting agency may furnish a consumer under the following circumstances and no other 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes I never gave XXXX or TransUnion any written consent to report anything on my consumer report. 

Instead of DELETING the account when I originally disputed in XX/XX/2023. XXXX and TransUnion constantly state they will send results in mail and generate the same Verified As Accurate letter with NO written proof or procedures on how they verified. Which further lets me know its not being verified.

By law this account must be DELETED & I expect this to be done 5 days of receiving this complaint DO NOT send me a generic message! DO NOT tell me it was verified as accurate, without WRITTEN PROOF of where you got this information or my next step will be seek monetary damages in small claims courts!

Attachments : 1 ) My letter to the furnisher asking for proof 2 ) the furnisher written response that they do not verify 3 ) third party XXXX account deletion due to violation
Consumer complaint received 2016-09-02
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Sentry Credit, Inc. (IL)

I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a collection manager and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my bank. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: CREDICO. INC (SD)

I faxed as well as supplied the clerk of courts in XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received one letter from them at the correct address which was valid up to XX/XX/XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating hills laws.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I had requested that this account be verified and I have not seen any proof from you thet it was. I need all correspondence between you and creditor regarding the previous dispute including the data provided to you that this account is accurate. 

Transunion : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove any information that the creditor can not verify I understand that under 15 U.S.C Sec 168 ( a ) you must complete this reinvestigation within 30 days of receipt of this dispute.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CO)

In my previous case Wells Fargo said they were unable to find any trace of my account. I was using my married last name which is XXXX I have been divorced now and I have court approval to use my second middle name XXXX instead of my first name XXXX. Wells Fargo has all the paperwork since I submitted all of it to them. 
My complaint is regarding account XXXX I've opened this account at the branch on XXXXXXXX XXXX XXXXXXXX XXXX a friend referred me the Wells Fargo employee name was XXXX. Shortly after I deposited a personal check at the Wells Fargo on XXXX XXXX  using the ATM. The check was held for almost a month I was making trips back and forth the family member who wrote the check confirmed it cleared even offer to show proof but Wells Fargo held the money. My bill were late I had to borrow money pay for my bills and late fees. This whole situation was extremely stressful because I was living on my own and I saved up some money and gave it to this family member who gave it back to me because I needed the money yet Wells Fargo would not let me accessed. I went to the branch literally every other day. I have a XXXX  account if they are going to put a hold on your money it tells you I got nothing from Wells Fargo instead I was treated like a fraud. In XXXX I went to the branch on XXXX near XXXX XXXX for a transaction I was lured into opening XXXX additional XXXX  accounts because of all the benefits mind you I was XXXX old at the time and the benefits was for XXXX  under XXXX ( I found that out later ). After I opened those account when I deposited money into an account I get charged NSF fees in a different account. I was charged roughly about {$250.00}. I remember going to the branch on XXXXXXXX XXXX XXXXXXXX about those fees and that's when I was told I didn't even qualify for the benefits of the XXXX  accounts to begin with. I had to juggle make deposits here transactions here to avoid maintenance fees. This whole thing was horrible experience. I closed all the XXXX  accounts and then the checking I didn't have a WF checking account for at least XXXXyrs I opened one last year XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2017-01-31
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I have a lease agreement with Toyota/Lexus Financial Services. Due to an unforeseen temporary XXXX and XXXX my loan has become delinquent. I contacted numerous customer service representatives to request a loan deferment which is advertised in the finance options provided by the company. Unfortunately, I was charged {$300.00} per deferment month, which is excessive and XXXX of the required payment. I adhered to the agreement, paid the fee and signed the forms. Yet, my account still reflects a severely delinquent payment status and the agreement has been unjustly withheld by an account representative allegedly in the " Lexus Executive Corporate " offices in California. I was provided with a XXXX XXXX number and a recorded message left by a XXXX XXXX XXXX I attempted to return the call but only spoke with a hostile male representative who in prior days refused to provide truthful account information regarding my balance and a viable and fair solution to bring my account current. In essence the male representative was deceptive and only provided a predatory payment solution with interest rates that reflect the discriminatory rates which sparked the XXXX XXXX dollar class action discrimination law suit. Lexus/ Toyota practices regarding individuals with minority profiles has not changed. In fact the tricks and lies prevent consumers from incurring excessive fees and repossession. I am a certified educator who has conveyed to the company that I am seeking to finance my vehicle through my credit union. This is not possible if Lexus Financial refuses to allow me to bring my account current with the agreement verbally and documented. The account representatives are participating in fraudulent practices such as refusing to provide accurate account information regarding payments due. In fact, I have had my account reported delinquent due to a monthly payment of {$16.00} owed and the information intentionally withheld to " force " my account into a full demand for payment status. The interest has is more than XXXX points. My car was obtained in XXXX of XXXX. I am seeking to have XXXX full payments added to the balance ( months of XXXX & XXXX ) partial payment for XXXX {$250.00} accepted, XXXX XXXX, XXXX payment accepted paid in full by XXXX XXXX, XXXX. The XXXX payment due by XXXX XXXX, XXXX. This will allow my payment to become current and obtain fair financing by my credit union.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

On XXXX/XXXX/XXXX I contacted XXXX XXXX and paid the final bill of {$1800.00}. Then over 1 year later starting in XXXX XXXX we started be contacted by ACEI to collect the final amount of {$470.00} ( +/- ). We have not only confirmed that our balance is paid in full with XXXX but I also have a final statement. I have explained this to ACEI and they do not accept that. Not only was I not made aware that this went to a collection agency but I also do n't agree with their added fees.
Consumer complaint received 2016-08-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MS)

I purchased this home due to tax ( XXXX ) I have reached out to the mortgage company for a remedy they have been uncooperative in providing me a clear title to the home # XXXX nor can Citi provide any original loan documents as the origination branch was closed. I was told bye the collection agent there was no proof of the loan via documents
Consumer complaint received 2017-03-18
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I received a letter dated XXXX/XXXX/XXXX from Credit Acceptance in regards to my initial letter to them disputing a credit inquiry that was on my XXXX credit report. They stated that this was confirmed. I never applied for any loan product with company or any affiliates. The inquiry is dated XXXX/XXXX/XXXX. I do not have any loans with them
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :