davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (CA)

CENTRAL FINANCIAL CONTROL/SYNDICATED OFFICE SYSTEMS HAS A DEBT LISTED ON  XXXX ,  XXXX , AND  XXXX  .THE   DEBT  IS FROM ABOUT 5 YEARS AGO FOR  HOSPITALIZATION  AT  XXXX    XXXX   XXXX     XXXX     XXXX  IN  XXXX   CA.The ac count number is  XXXX  .I unde rstand that CFC has  a    XX/XX/XXXX  CONSEN T ORDER and that my case i s one of  them from   XX/XX/XXXX - XX/XX/XXXX   that  CFC was required  to forgive and send abo ut 100 dollars t o me of the  XXXX  dollar portion of the fine they were required to pay for not doing debt validation notices.CFC HAS NOT DONE THAT and has verified recently with the credit bureaus ... .so they continue the same behavior during the consent order supervision period.
Consumer complaint received 2024-08-14
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. (NC)

This company XXXX XXXX XXXX is in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX is reporting inaccurately.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I investigated XXXX XXXX through Equifax Credit Bureau and the item was deleted. Please send me the policy and procedure on deletions from the credit bureau. Why after consumers go through a XXXX 45 day investigation and the items are deleted, all of a sudden the item appears on the credit report again. So unnecessary and frustrating!!!!
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Palm Beach Credit Adjustors, Inc (FL)

I have asked Focus Financial Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am trying to dispute negative credit reporting from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to reach custodial parent mother to stop billing for child that was no longer in her care, but living with father ( me ). Mother failed to respond to repeated phone call and letters from both XXXX and myself. Consequently, the child support payments were reported as late or delinquent when NO PAYMENT should have been even billed. I made NUMEROUS requests to XXXX for updates, request to file/change court order, without success. Please note that before this rather unfortunate situation, my account was in good standing with all payments current and NO ARREARS OWED. This began in XXXX and continued up until Child turned XXXX yrs old in XXXX, and XXXX finally stopped billing. Please help.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX has my previous account ( XXXX -- ended in XXXX 2014 ) in collections ( XXXX, phone : ( XXXX ) XXXX, partial accountant number XXXX ) because XXXX states I signed a contract for reactivation of XXXX of my XXXX cell phones ( XXXX ) on XXXX XXXX, 2014 which made me break the original contract by getting XXXX new phones/contract with XXXX on XXXX XXXX, 2014. 
I DID NOT SIGN A REACTIVATION CONTRACT WITH XXXX. 
XXXX WILL NOT PROVIDE THE CONTRACT SUPPOSEDLY SIGNED BY ME. 
All credit companies have this incorrect information in the amount of {$310.00} and XXXX refuses to show documentation of this supposed documentation. 
I have been disputing this incorrect charge since XXXX 2014!!! 
I signed a contract with XXXX on XXXX XXXX, 2014 when all three phones were no longer in contract with XXXX. 
Now XXXX has bought out XXXX ; so XXXX is now XXXX. 
The new " XXXX '' is updating all XXXX XXXX clients with giving them new Android XXXX XXXX 
I can not received new XXXX because of this incorrect collection statement on my credit reports .... EVEN THOUGH IT IS XXXX 'S FAULT. 
My credit score has suffered immensely because XXXX refuses to provide the documentation that I supposedly signed a reactivation contract. 
Unbelievably, some of my insurance premiums went up because my credit score went down because XXXX will not provide the documentation. 
I can not get a lower interest rate on refinancing my house because my credit score went down because XXXX will not provide the documentation. 
This incorrect collection accusation is causing havoc in my life not to mention if it is not taken off my credit reports, the incorrect collection will follow me the rest of my life. 
Again, I have been disputing this incorrect accusation since XXXX 2014. 
If XXXX can not provide the 'signed contract of reactivation '' which I did not sign, then they need to recognize a mistake was made on their part somehow, somewhere, sometime and admit to it. 
When I call XXXX, Customer Service says they can see where I have reactivated the phone on XXXX XXXX, 2014 but they can not find the contract. 
I say, " If you can not provide a signed contract, then you have no proof to accuse me of signing the contract ''. Customer Service says I am right, but there is nothing they can do as it is already in collections. EVEN THOUGH I BEGAN CALLING THEM XXXX 2014. 
Please request XXXX to provide the contract, or copy of thereof, with my signature on it or admit this collection charge is in error and remove it from my credit reports. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-01-31
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I had a lease vehicle through Ally Financial. Once the vehicle was turned in, I was charged for damages that I felt were inappropriate. After several appeals within Ally were unsuccessful, I sought outside mediation services. Once Ally was contacted by the mediator, I received a call from them offering me a settlement if I cancelled mediation. I accepted their offer in order to put the matter to rest. However, what was not disclosed to me during that phone call was that they were not waiving the remaining portion of the disputed amount, but were going to report it as forgiven debt to the credit bureau. This was never disclosed to me, nor was it ever mentioned that accepting this offer could adversely affect my credit score. When I called them after learning that my credit score dropped, they said that the only thing they could do would be to re-open the account and report it as paid in full if I sent them the rest of the disputed amount. I believe that this type of bait-and-switch tactic is both fraudulent and unethical. I would never have cancelled mediation services had they disclosed all of the terms of their offer to me at the time it was made.
Consumer complaint received 2016-08-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

Please refer to Consumer Financial Protection Bureau Case number : XXXX. 
Wells Fargo Home Mortgage is maintaining that we are one month behind in our mortgage payments. I have reviewed the final account statement from XXXX XXXX, Executive Resolution Specialist for Wells Fargo. My bank account payment records and my Wells Fargo online records both match the statement of account that she sent me. The only difference is all our payments are listed as " Unapplied Funds ''. Why is that? 

I 'm reattaching the statement from the bankruptcy court that I attached to the original complaint. It clearly states that the house was surrendered to my ex-wife through our divorce. It also clearly states that no money was held by the bankruptcy court from Wells Fargo. 

Also, XXXX XXXX did n't even address the fact that 2 payments were made in XXXX XXXX! 

Further, the court did not tell Wells Fargo to reverse that XXXX XXXX payment and then only partially apply it to the mortgage as stated by XXXX XXXX. 

This whole mess, which we have been trying to work out with Wells Fargo, has gone on for years now! It is nothing more than an accounting error on their part yet they refuse to fix it. At this point I am looking at it as outright fraud on their part! 

XXXX more points : 1 ) I have spoken with the VA and they tell me Wells Fargo has reported us as " On Time '' a couple months this year ( as well as several other times during the period they have been tell us we are behind ). 
2 ) Since XXXX XXXX we have made 48 complete payment when only 47 were due during that time period. 

Their argument that we are a month behind makes absolutely no sense! We are a month ahead and we want that 2nd payment made in XXXX XXXX back and have our account show that it is current!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to request the removal of the following accounts from my records, as they do not belong to me : 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 Additionally, I believe that the inclusion of these accounts may be in violation of 15 U.S. Code 1681c, which mandates that certain types of information must be removed from consumer credit reports after specific periods. The continued presence of these accounts on my report could be in violation of these requirements.

Please remove these accounts from my credit report and update your records accordingly. If you require any further information or documentation to process this request, or if you need to address the potential violation of 15 U.S. Code 1681c, please let me know. 

Thank you for your assistance. 

Best regards, XXXX XXXX
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (MN)

I had requested an Investigation against the Hard Inquires on my credit report, they got back to me with several documents stating they have removed the Hard Inquires off my credit report. I had to check my credit report once again and noticed they are still on my credit report and have sent them several letters requesting them to fulfill their promise based on their documents that they would remove the Hard Inquiries as there should only be a total of 3 Hard Inquiries on my report.

I have filed now several complaints and they are not removing the Hard Inquiries even though they state they DID remove them, but they did not. I need these removed and would like proof that they really did remove them VS saying they are going to do it.

This is wrecking my credit by keeping these fraudulent Hard Inquiries on my credit report. I need them removed ASAP.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the successor trustee to the XXXX XXXX XXXX XXXX XXXX ( certificate of trust attached ). My late aunt had XXXX accounts with Bank of America, XXXX checking and XXXX savings ( attch XXXX ). Both accounts are labeled as owned by the trust. But the bank says that only the checking account is owned by the trust ; the other is personal to my late aunt. They refuse to release the funds unless I go through probate, which will cost the trust around {$10000.00}. I can't believe that my aunt would have directed the bank to change the title on the savings account but not change the ownership. Clearly Bank of America made the mistake, and now refuses to correct it. 
The bank also made me create a new checking account with a new tax id. It was supposed to be free, but now they are charging the account {$25.00} per month because there isn't enough money in it. The money is in the savings account which they refuse to close and transfer to the new account.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

I have attached an FTC Report. Please remove these inquiries from all credit bureaus.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (OH)

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 :
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with Experian on an inaccuracy back in XXXX. I have yet to get a response and this dispute was with regard to a public record that is preventing me from getting a loan. I sent in proof that the account was taken care of. Actually the account was entered in error to start with. I need this taken off of my report so I can move forward
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

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  XX/XX/XXXX XXXX XXXX XXXX not be furnished on my consumer report as they are in VIOLATION!!!! 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

A fraud account was opened with XXXX XXXX XXXX XXXX with a balance of XXXX.The fraud account was opened in XXXX, FL in XX/XX/XXXX . A fraud dispute was opened with XXXX XXXX and proper paperwork was provided. The original investigator assigned to case was XXXX, contact number XXXX ext XXXX regarding fraud account XXXX fraud account was resolved in my favor and it was reported to XXXX and Equifax. XXXX has removed the fraud but after several disputes with Equifax , they will not remove it. The first dispute letter was mailed to Equifax on XX/XX/XXXX. Since then it was mailed 2 more times, on XX/XX/XXXX and XX/XX/XXXX. The last attempt was not unsuccessful.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has failed to conduct a proper investigation each time I submitted a request for an investigation. The first request I sent they received on XXXX/XXXX/XXXX. I did not even receive a response back. The second request I sent, they received on XXXX/XXXX/XXXX, I did receive a response but they did not address my request for method of verification which is my right under FCRA Section 611 ( a ) ( 7 ). In fact, when I disputed the bankruptcies and they verified it, the date of verification still shows XX/XX/XXXX instead of the current date at the time they claimed they verified it which should have been XX/XX/XXXX. I also recently sent them a request to re-investigate the bankruptcies requesting who specifically verified the information. I faxed my request in on XXXX/XXXX/XXXX and I got a response back dated XXXX/XXXX/XXXX having them verify it again with no change and still showing the same date of verification from over a year ago ( XX/XX/XXXX ). In addition, this time I also sent them a letter I received from the Bankruptcy court stating that they do not report nor verify information with the credit bureaus which I sent over to them as a part of my dispute. They did absolutely nothing. I also disputed an auto loan that they are reporting as charged off. I sent them a copy of my XXXX report showing the same trade line as paid as agreed and still no change. Bottom line, Transunion should have deleted all of the items that I requested an investigation on in my first letter ( received XXXX/XXXX/XXXX ) because they did not respond back within 30 days. In fact, they did not respond at all at that time and according to FCRA 611 ( 5 ) ( A ) they have to promptly delete any information they are not able to verify and by them not responding the first time, they needed to remove all items that were disputed.
Consumer complaint received 2016-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The Best Service Co.,Inc (CA)

I have had a checking account at XXXX XXXX XXXX XXXX many years ago that had some fraud activity on it. some one unknown to me had used my debit card and charged transaction on it on the gambling site which made my account over drawn. I had reported that to the XXXX XXXX XXXX XXXX fraud department and disputed the charges and i got my account credited and soon i closed the account and opened another checking account with another bank. and apparently they had reversed the charges and sent me to a collection agency by the name of THE BEST SERVICE COMPANY. I had contacted this collection agency and explained to the agent that the money trying to collect from me is due to identity theft and I asked them for the debt validation which I have not received any response back from them as of yet. they have cost me a great deal of high interest rate and in my last job I could not get promoted because of this company and that is why I am here with your help get this problem resolved.
Consumer complaint received 2017-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

I had went to pay my student loans today and when I looked at the statement I had noticed that my payment had doubled. I had expected an increase in payment as our income had become higher, but the amount is more than I can afford. I had reached out to Nelnet and they advised me that they could not lower my payment amount because my wife has a forbearance on her account, which is no longer true. I had tried several times to get this payment lower to an affordable amount and found nothing from Nelnet but a lack of honestly and professionalism. I have paid my bills on time and asked that they kept them below {$300.00}, and they would not assist me. This is after I had a conversation earlier this morning and was told that it would be {$280.00}. I believe that they are predatory and dishonest and would like to transfer to another servicer.