davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In reference to the previous filing with CFPB complaint XXXX. Bank of America, has received several correspondence and official communications including those with CFPB regarding the account in question. Bank of America is fully aware the most resent address. They are fully aware the current address in not in Florida ( A LETTER I ONLY HAVE NOW BECAUSE IT WAS ATTACHED TO A BOFA COMPLAINT RESPONSE ) .. Its just a way to keep money they know is not theirs. A petty act that did n't work. CFPB, should change policies that do not allow them to interject to blatant petty maneuvers such as Bank of Americas actions regarding the refund of the credit on the account. Clearly the banking statement has a Texas address that states a credit of {$120.00} on the account. Common sense would dictate sending the funds to that address ON THE VERY STATEMENT YOU PRINTED IT ON ( SE ATTACHED ). But they choose the, lets play XXXX and try to keep the money approach. SEND THE FUNDS TO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I have noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA.

Additionally, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. 

Please contact XXXX XXXX XXXXARS to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXXARS should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I submitted a letter to Equifax to update this suspicious account. I think you have not validated the corresponding account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against this mistake. This was already included in my prior COMPLAINT : and I'm including it again. 
Please fix this account for I believe it is reported erroneously : XXXX XXXX XXXXXXXX Balance Owed : {$30000.00}
Consumer complaint received 2023-10-30
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. (FL)

To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 4 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 6 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 9 XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, FL XXXX
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I have a credit card with CITI/AA Advantage Platinum Select Card where l had a balance of {$1000.00} last month. 

In XXXX billing statement I paid this balance in FULL - in the amount of {$1000.00}, and it appears on my XXXX billing statement. 

However, despite my FULL balance was paid on time, CITI charged me {$16.00} in " interest '' on some mysterious " balance '' of {$920.00}. 

I consider CITI Card practices as deception and unjust enrichment at my detriment and respectfully request for stop such unlawful interest charges.
Consumer complaint received 2023-05-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, EQUIFAX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXXXXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} TD BANK XXXX # XXXX. BALANCE {$4900.00} TD BANK XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} EQUIFAX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXXXXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXXXXXX Closed My credit card without consent. I did not authorize my credit card to close. XXXX XXXX XXXXXXXX then reported late payments to the credit bureaus and I have never had a late or delinquent payment on my account. They told me they will correct the issue but only corrected the issue with XXXX and XXXX. Equifax is still showing delinquent and late payments. I need this issue fix asap. This is such a huge inconvenience and it is preventing me from buying a home.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consider this as my follow-up request. I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-06
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. (CA)

Both, XXXX and Equifax report and amount of {$570.00} from XXXX XXXX. XXXX XXXX is a satellite provider. The HOA where I live ( and have lived for almost 20 years ) does not allow satellite services for the residents. If a homeowner ( such as myself ) has a satellite television disc on their property the HOA will fine us {$50.00} a day.
The only television that is allowed is cable TV. Out provider is XXXX XXXX XXXX XXXX. We pay for that as part of our monthly homeowner 's dues. So why would I pay for a satellite TV service when it is illegal for us, and then pay, on top of the monthly satellite TV service fee, and extra {$50.00} a day. Plus pay for the monthly cable TV service that we are obligated to pay anyway?
Attached is a copy of an old HOA invoice for my house from back in 2016. you can see the charges for cable TV are included in the {$410.00} fee.
This bill belongs to someone else.
Consumer complaint received 2023-05-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I have mailed in disputes to experian regarding inaccuracies on my credit report and they refused to investigate because it did not seem to be sent directly by me This is a stall tactic by the credit bureau to not process disputes because they do not have the manning to do so, which is Illegal practice and they continue to do this to thousands of people every day, even after losing a lawsuit for this very reason for the amount of XXXX XXXX dollars. 
I sent a photo of my ID to prove it was in fact me sending these legitimate disputes. As well as my social security card and a utility bill. WHO ELSE WOULD HAVE THIS SENSITIVE INFORMATION OF MINES? I am the author of any letters experian receives with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a power of attorney in order to delay processing letters from consumers. I also had this written on my letters
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had a loan with XXXX XXXX XXXX XXXX opened XX/XX/2009. The account was charged off and the status was closed derogatory. I checked my credit report this month and the status has now been changed to Open-Derogatory. I called XXXX XXXX to see why they changed it to an open status, and they said they did not, and they are reporting it to the credit bureaus as closed. This has made my score drop almost XXXX points.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL) (TN)

I have sent multiple, certified letters for the company to send me other information than a bill printed off of their computer stating that I owe {$780.00} and that they demand payment now. They refuse to send me : *A validation letter *A written contract with my hand written signature on it, that includes date, amount and all of the detailed information showing that I received or agreed to receive any services. 

*Proof they are licensed to collect in my state *Provide me with their license numbers and registered agents The only thing they continue to send are letters demanding payment or they will report the bill to the credit bureaus. 

I have receipts from USPS showing that they have received my letters requesting the information that I am entitled to under the Fair Debt Collection Practices Act.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX, 2016 : I sent a payment of {$5000.00} to SLS, with clear instructions to apply {$1500.00} to my monthly payment and {$3400.00} to principal. 
XXXX XXXX, 2016 : I checked my account transaction history via SLS website saw that the amount {$3400.00} had been applied to next month 's payment and principal. 
XXXX XXXX, 2016 : I called SLS to inquire about the misapplication of the additional money sent. I neglected to get the name and ID number of the agent I spoke with. I asked why my funds were not applied as instructed. The agent 's response was that she did not know, but that she would open a ticket to have the money reapplied correctly that day. During this call, I also made XXXX phone payments in the amounts of {$23000.00} and {$23000.00}. I gave instructions for these payments to be applied towards principal. The agent informed me that the transactions would be completed this day and gave me the following ticket numbers : XXXX and XXXX. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I learned that the amount of {$3400.00} still had not been reapplied correctly and the amounts of {$23000.00} and {$23000.00} were placed in an " unapplied/suspended '' account. I called SLS and spoke with XXXX ( worker ID # XXXX ) ). XXXX said he did not know why the funds had not been applied correctly and that the tickets opened the previous day were still open with this day being the target completion date. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I saw that the funds of {$23000.00} and {$23000.00} had been applied toward principal. However, the amount of {$3400.00} was still applied to future payments and interest.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have tried Several times to Dispute inaccurate information with Experian which Experian doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Experian To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lacy Katzen LLP (NY)

XX/XX/XXXX Company : Lacy Katzen LLP File number # XXXX Date account was opened : XX/XX/XXXX Amount reported on XXXX credit report : {$24000.00} I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed, and validation is requested. The statue on this debt has expired.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following What the money you say I owe is for? 
Explain and show me how you calculated what you say I ow. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgement. 
Provide me with proof that I entered into a contract with your collection agency or your law firm. 
I am requesting Assignment Contracts. 
Copy of the original contract bearing my signature that I signed on for this debt. 
Payment history from the original creditor that show payments. 
I want the name and address of the original creditor. 
I want proof you either own or were assigned this debt. 
I am requesting an assignment contract. 
If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Tranunion recently decreased my credit score by XXXX points after receiving certified requests for historical records. Transunion has also decreased my score by mass points twice in the recent past after filing disputes and complaints to BBB and to this agency. The exactness and timing is fact proven that their malicious actions are in reactions to the aforementioned. Regardless of which model is used XXXX XXXX or XXXX the deduction is recorded as a mass XXXX point reduction without just cause. The matter has been referred to legal counsel.