davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-27
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. (HI)

I have disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.
Consumer complaint received 2018-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (IL)

SYNCB/JC PENNEY DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/JC PENNEY DC and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$4800.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (PA)

XXXX/TD Bank continues to report this account and it should be removed since it was first reported on XX/XX/2011 and should come off in 7 year window. XXXX  accepted an amount lower than the amount owed in a collection agreement but still continues to remove this account from my credit report. I have previously disputed as being paid and they refused to remove this and instead listed status as Updated in dispute. When I went through the collection process, I was informed that if I paid off the amount being requested, this would be removed from my credit report once paid and it has not been.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports  until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies. 

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (FL)

I had two auto loans with Navy FCU that they refinanced for me last year in XX/XX/XXXX -XX/XX/XXXX Both accounts were 30-60 days delinquent but for some reason one of the two auto loans ( one complaint is being filed about ) had a payment refunded to me on XX/XX/XXXX, which caused an additional late mark onXX/XX/XXXX. I was advised that is was transferred back into my bank account due to the account being refinanced and paid off. The refi didn't go through until XX/XX/XXXX as you can see in the attached payment history. I have asked NAVY FCU to correct this 90 days late mark on this account but they are stating that they have no way of correcting this even though admitting the error. The error being that they did not know why one auto loan processed quicker than the other or why they transferred the monies back to my account. As you will see in the payment history, the funds payment was not reversed for insufficient funds, it was merely transferred back into my checking account.
Consumer complaint received 2018-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I sent a Validation Letter and Cease and Desist Letter to this company twice and I have been ignored.This debt does not belong to me and was Deleted from Public Record Via XXXX  ( XXXX ) This Company have no respect for the law and consumer rights.I proved to one company that this debt isnt mine and ill prove it again USPS TRACKING : XXXX
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Armor Systems Corporation (IL)

I believe that this company violated HIPPA because they discussed this account and my medical history with relatives. I dont think this is something that they are allowed to do. I am asking that they withdraw this account and send it back to the original medical provider. I am appalled that they shared any information about my account or medical history to anyone they get on the phone. 
I do not wish to deal with them and I will get an attorney involved if I have too. 

I would like for them to put in a request for them to remove this account from my personal credit reports.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I took out credit in 2016. My dog was at emergency XXXX. I have been paying faithfully and then some. I noticed my bill jumped up almost {$500.00}. I have not used the card in months. When I called the company Care Credit, I was told by a lady that is the interest charged for the 18 months. I only still owed {$500.00} out of {$3000.00} ... ..come on {$500.00} interest ... ARE YOU KIDDING ME???? So I closed the account, will pay off remainder of debt. I have never heard of this scam before. I hope you can help me. This is robbery in the finest form.
Consumer complaint received 2018-05-16
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: Diversified Consultants, Inc. (LA)

I don't recognize the company XXXX XXXX XXXX date reported XX/XX/XXXX for the amount of XXXX. 
Diversified Consultant is saying owe the same amount as XXXX.. I don ; t agree  with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.
Consumer complaint received 2018-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (TX)

I have never done business with Synergetic Communications INC. I do not have a signed contract with Synergetic Communications INC. On XX/XX/2018 Synergetic Communications INC contacted me via us mail trying to collect on a debt in which I do not owe them. It is impossible for Synergetic Communications INC to collect a debt without a written contract and also to try to collect on a debt which is past the statue of limitations in the state of Texas. Texas law requires 4 years for collections on repossessions. Synergetic Communications INC has been sued multiple times for trying to collect on debt that is past the statue of limitation date. If Synergetic Communications INC places this erroneous debt that they can not collect on onto my credit I will pursue legal action. Synergetic Communications INC does not have my permission to contact me by email, phone, or is mail.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MA)

National Credit Systems, amount of {$7100.00}. Once again National Credit Systems has not responded to my debt validation that was sent to them also they have reported this account to all three of my credit reporting agency which is a violation of the FDCPA, FCRA and possible Fraud
Consumer complaint received 2018-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CA)

I took out a loan from Wells Fargo to pay for my XXXX  XXXX XXXX in XXXX. I made the first payment in XX/XX/XXXX as scheduled. The loan is for {$36000.00} private at a rate of 8 % and a Federal loan of {$5000.00}. I paid Wells Fargo on time each month for ten years and then the loan was transferred to XXXX in XX/XX/XXXX. The paperwork I have says the starting balance was {$37000.00}. In XX/XX/XXXX the loan was sold to XXXX and the balance was {$28000.00}. I called XXXX this last month and they sent me all the payment information from the date that XXXX took over the loan. I called Wells Fargo for payment information from the inception of the loan and they deny that I ever had a loan with them as did XXXX when I called them even after I explained that I was looking at a total accounting of the payments I had sent them. Using an amortization table I found on line I estimate that this loan should have been paid off over three years ago with what I have been paying each month. XXXX says I still owe {$19000.00}. I strongly suspect that when Wells Fargo rolled the loan over to XXXX ( which I believe is owned by Wells Fargo ) they started the loan over again - but when I questioned them about the loan they deny I had one with them.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX accountsfor months. The credit bureaus never reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please this has hurt my credibility..
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (GA)

Dear XXXX XXXX XXXX XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : Acct # XXXX According to XXXX and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and XXXX  on numerous letters ( Please see attached letters and their responses from XXXX  ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to XXXX any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, XXXX has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by XXXX and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2018-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

I have been dealing with this issue for over three years. I first contacted Designed Receivable Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX : ( XXXX ) XXXX, in XXXX. I informed them that I had state issued Medi-cal, and the bill should have been taken care of by them. Spoke to medi-cal office and was informed that this bill did fall under the dates of service. Then i checked my credit report in XX/XX/XXXX, and to my surprise there was the delinquent amount again. I reached out to DRS, and spoke to XXXX, he informed me that the debt was to old to be paid by my insurance company. Called XXXX, and they told me debt should have been paid and to have them rebill. Called DSR again to inform them of what i was told by XXXX, asked to speak to XXXX supervisor, he transferred me to a women by the name of XXXX at Ext. XXXX, She then informed me to contact he hospital where debt was issued. After calling 15 different numbers and getting the run around from the hospital, I finally was given a number to XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to a women named, XXXX out of the XXXX  office @ ( XXXX ) XXXX, She told me that the hospital was sold and they no longer had access to the debt, being it was before XX/XX/XXXX and I need to call the collection agency because, they are the only ones that can do anything about it. Called DSR again and asked to speak to XXXX 's superivosor. Got a XXXX XXXX on the line, we went back and forth when she finally informed me to have the XXXX office send them a document called XXXX, and she would try to get in touch with the original biller ( XXXX XXXX XXXX XXXX ) and have them re-bill my correct insurance. She also advised me that because the hospital was sold, it would be really hard to get that done. Because the account is in collection, and they are the only ones that can infact take care of this.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

A transaction for {$2300.00} was deducted by XXXX XXXX XXXX on XX/XX/18 for services that were not delivered. The company, XXXX XXXX, refunded {$650.00} of those charges and still owe the remaining balance deposit. After failed request ( s ) to reimburse the remain balance of {$1600.00} a complaint was filed with Huntington Bank to dispute the charges and obtain a refund as afforded by XXXX XXXX  consumer right to obtain a refund for " services not delivered ''. However Huntington denied the claimed based on " buyers remorse '' which was not the nature of the original complaint. Upon speaking with a representative at Huntington Bank, they resubmitted the dispute based on the actual stated reason " services not delivered '' and within 24 hours again denied the claim based on " buyers remorse. '' Huntington Bank is ignoring the reason for the complaint continually and inaccurately reporting the disputed reason as " buyers remorse. ''
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

Addendum to complaint XXXX As of XX/XX/22 I have now been charged a total of XXXX $ in overdraft fees. This is within ten days time. There has also been {$360.00} deposited in my account, which should have covered the initial {$120.00} my account was short