davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

This company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Furthermore the name on the statement along with the address is inaccurate. Upon contacting the original creditor they was able to pull up an account with the name used on the statement which they claim is validation. She told me the account was closed in XXXX. However they have it reported on XX/XX/XXXX? Seems to be to me they are attempting to re-age an old debt. Not only that, but the amount they have reported is {$870.00} and the amount they have on the statement they sent me is {$870.00} I know this information has to match exactly. I am making a final goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in theyre reporting. I have attached my birth certificate as well as my drivers license. I have also included what I sent them, when they signed for it and what they sent in response to this invalid account on my credit.
Consumer complaint received 2019-02-20
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: Experian Information Solutions Inc. (TX)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX, XXXX XXXX and XXXX   XXXX
Consumer complaint received 2024-11-15
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. (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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (MO)

1 ) Citi Thank you preferred closed my credit card account with out any notice on XX/XX/XXXX. 

2 ) I reached out to citi credit card they said letter is sent on XX/XX/XXXX specifying reason to close my account. but letter should arrive in 7-10 business days. I am waiting for letter. 

3 ) There were more than XXXX $ in reward programs that card issuer owe me but i asked citi tXXXX XXXX on phone it says my rewards program money is forfeited as they decide to close my card. 

4 ) I have mostly paid all amounts in full and never went overdue for payment. 

5 ) They did not give notice in advanced to forfeit and robbed my XXXX $ money that i was trying to save as my rewards. 

6 ) For communication now card issuer is asking to complain or ask at card service support unit by mail that is so ridiculous in the world of internet. They want me to mail a complaint by letter which is rare. 

7 ) I received letter one month in advanced for checking/savings accounts closing so i could take actions properly and create another account with different bank. But that letter had nothing mentioned about credit card. Also i talked to citi credit card customer services they said closed checking/savings account will not affect to my credit card and i continued using citi card after that too. 

I am outstanding credit user and this is ridiculous from card issuer. I want justice and my money back without affecting my XXXXredit score. I have paid full balance + advanced interest charge too so that nothing can impact my credit score.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (SC)

An unauthorized Amex card was taken in my name XX/XX/XXXX and a balance of {$640.00} was run up. I have notified Amex via certified service several times. The first letter sent out XX/XX/XXXX XXXX Tracking XXXX signed for by, XXXX MAIL ROOM. 
The second letter on XX/XX/XXXX via XXXX tracking XXXX signed for by, XXXX FRONT DESK. In both cases, they failed to respond within the 30 day period of time required by law and was a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). They were also put on notice 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. I further included a notarized copy of my Identity Theft Victims Complaint and Affidavit. As of today they have never responded nor acted to my requests.
Consumer complaint received 2019-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (WA)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : EOS CCA. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, MA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and EOS CCA has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (TX)

ON XX/XX/XXXX A Process Server, Came to my home. And hand delivered a ( Citation Debt Claim Case, ) From XXXX XXXX XXXX, XXXX It states that Im being sued by the State of Texas, XXXX COUNTRY THIS ACCOUNT HAS BEEN CLOSED NOW SINCE XX/XX/XXXX THEY ARE SUEING FOR {$820.00} AND THERE WAS A COURT DATE ALSO, THAT I WASN'T AWARE ON XX/XX/XXXX .THIS PETITION WAS FILED ON XX/XX/XXXX Just trying to understand why Im being harassed at my home by a debt Collector..
Consumer complaint received 2019-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (GA)

went to see a doctor for general appointment in XXXX XXXX hospital in XXXX XXXX on XX/XX/XXXX. I confirmed before going that it was covered in my insurance. I paid XXXX $ copay when I went there, hospitaldid my x -ray without giving me any estimate and without asking. I asked for estimate and I I was told that I will have to pay only co pay. On XX/XX/XXXX I was shocked to see {$350.00} bill from hospital. I wrote a certified letter to XXXX XXXX XXXX hospital on XX/XX/XXXX ( attached ) mentioning above details and never got any response. Instead of reply I received letter from Collection company on MEDICREDIT XX/XX/XXXX. Again I wrote letter with certified mail to Medicredit on XX/XX/XXXX ( copy of letter attached ) and wrote that charges are not valid and asked them to send me documentation, agreement and other information asked in letter. But they never replied and sent me collection notice again on XX/XX/XXXX without providing me documentation any information. I sent again certified letter on XX/XX/XXXX with copy of my earlier letters sent to XXXX XXXX XXXX hospital and to MEDICREDIT and asked them again to send me verification agreement / documents that there is valid basis for claim. But again they did not provide and documents and harassing me by calling and sending collection notice. I am finding myself helpless in this situation. 
XXXX and Medicredit does not have any verification documents and threating me to report it on my credit file. Please help me to resolve this issue and take strict action against malpractice of Hospital .I REPORTED THIS AT CFPB WEBSITE Compaint number XXXX AND MEDICREDIT REPLIED ON XX/XX/XXXX THAT THIS CASE IS NOT WITH TEM, THEY RETURNED ACCOUNT TO XXXX HOSPITAL.. BUT TODAY I CHECKED MY CREDIT REPORT AND IT WAS REPORTED ON MY CREDIT FILE BY XXXX. Medicredit lied .because they were unable to produce proof. Company did not follow The Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VT)

I have made Equifax aware of the same issue on several occasions. I have a letter that was sent to me from XXXX XXXX regarding my disputes regarding hard hit inquiries on my credit report. In the letter XXXX XXXX states that they will contact Equifax and order them to remove the inquiries in question. It is very concerning that when I dispute 1st with Equifax there response will always be a standard response that the dispute in question has been verified then I dispute directly with the Creditor and the have a different answer. According to the Fair Credit Reporting Act Equifax is required to conduct a reasonable investigation. It is obvious that Equifax did not complete a reasonable investigation and therefore is in violation of the Fair Credit Reporting Act. This is my formal notification and request that Equifax remove all XXXX XXXX hard hit Inquiries from my credit report. Furthermore, if Equifax does not permanently remove the hard hit inquiries I WILL file a lawsuit in Small Claims Court no later than XXXX XXXX, XXXX for violation of the FCRA, damaging my credit scare & credit worthiness. 

In closing, I have requested Equifax to send me a copy of my current and updated credit report because I can be a victim of identity fraud and as of the date of this complains ( XXXX/XXXX/XXXX ) Equifax refuses to grant my request ... ... NOTE : This will be part of my Small Claims Lawsuit.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION (AZ)

16 yrs client. Received letter on XX/XX/19 stating bank wants to terminate relationship. No reason, no contact name, only a XXXX no. to a person ( named XXXX ) who connected me to another person who said that the letter was valid. But could give no reason.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IL)

On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to PNC BANK. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to PNC BANK requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically anxiety. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (SC)

XXXX XXXX XXXX XXXX is stating that i visited the ER and are trying to charge me {$540.00} for a visit in 2014. I have not visited any ER in the last 13 years and have had medical insurance for the last 6-7 years. There is no way that i would have been charged for this visit any amount other than my copay if anything. But i did not visit any ER in the last 13 years.
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Most of my charged off debts register last activity in XX/XX/2014. Have I past the statue of limitations? I am getting a wage garnishment assigned to me in a few days due to court is in XXXX and I now live in XXXX.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (GA)

On XX/XX/XXXX i received a letter from EOS-CCA debt collection agency stating i owed XXXX to XXXX XXXX XXXX. My subscription ran out and i did not renew it. 
Now, this debt collection agency is saying because i did not call and cancel my subscription, i have to pay this amount or they will turn it over to the credit bureau. 
I called XXXX XXXX XXXX and they said they did not turn this in for collection and that i do not owe anything. My XXXX XXXX was cut off at the end of my subscription and so i do not owe anything. Some how, seems that XXXX XXXX had to give them my information Strange thing is, the address or phone number is not the same on the internet and the letter. 
I did not get any where with the EOS-CCA collections agency. 
Please help
Consumer complaint received 2019-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I applied for and received federal student loans while I was in medical school. I made every payment on time and consistently renewed my income-driven repayment plan yearly, on time and without issue. In XX/XX/XXXX, the due date on my income-driven repayment plan lapsed because I had not received an email alerting me of the yearly requirement for renewal. Upon receiving an email on XX/XX/XXXX that there was an action required on my account, I logged in to find that, because I had not submitted the income-driven plan renewal, ( 1 ) the entire outstanding interest on my loans had capitalized ( + {$19000.00} ) increasing my principal balance by ~10 % and ( 2 ) my monthly loan payment had quadrupled ( to ~ {$2100.00} ). 

I also found that I had been sent -- electronically -- one single notification on XX/XX/XXXX to renew my income-driven plan. However, the email alerting me that I had an action pending on my account was not sent. Moreover, I received no other alerts from FedLoan servicing that I needed to renew my income driven plan. Instead, on XX/XX/XXXX, the above occurred. 

I called FedLoan Servicing several times between XX/XX/XXXX and XX/XX/XXXX to discuss the matter. I was forced to submit a one-time forbearance on my XX/XX/XXXX payment because it was ~ {$2100.00}, and I could not afford it. I was encouraged by a supervisor at FedLoan servicing to submit a letter explaining the above described circumstances in order to trigger an investigation and to revert the principal to its prior balance. I was told to expect a response in 2-3 months. 

It has been 6 months since my submission and despite two other calls to the company over that time period, I have not heard a response. 

I have been consistent and timely throughout the life of my loan. I have paid every payment required of me over the life of the loan and I had renewed my income-driven plan without lapse as well. This was an unfortunate event, not consistent with my prior character, that has cost me a 10 % increase in my principal balance and will cost me tens of thousands of dollars over the life of the loan. Also, despite the costly nature forgetting to renew my income-driven plan, I only received one notification from the company to perform this task. I formally disputed the capitalization in a timely fashion ( within days of being notified, on XX/XX/XXXX ) and have not heard back.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I have previously submitted a complaint against Bayview Loan Serving, claim # XXXX, for trying to collect on a debt not owed to them. Now Bayview Loan Serving is listing my home for sale on three different online sites ( XXXX, XXXX, XXXX ). The problem with this is that they do not own the home. The deed is still in our name and they do not have the right to title to sell. On XXXX the house ( XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ) is up for auction and currently there are two active bids. An interesting point is that on XXXX they list our address and details, but the picture of the house they show is not ours. Also as part of the purchasing agreement with XXXX, they attached Addendum " A '', which on page 6 # ( 5 ) states : NO RECORDING. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Any such recording by Buyer or anyone acting by, through or under Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the default provisions hereof. 
They are trying to sell this home with a Special Warranty Deed or equivalent, which by it's nature suggests that they do not have proper title. 
Bayview has no contractual agreement with XXXX XXXX XXXX XXXX XXXX ika XXXX XXXX XXXX XXXX XXXX, As Trustee For The Certificateholders of XXXX , XXXX, XXXX XXXX XXXX XXXX,  Mortgage Pass-Through Certificates, Series 2005-74T1, even to service the loan, let alone sell the property. The Trust is no longer registered with the Security Exchange Commission ( SEC ) and is not registered in the State of Delaware ( it's original point of origin ).
Consumer complaint received 2019-07-13
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. (TX)

I am having difficulty getting an amount of XXXX removed from my XXXX XXXX XXXX XXXX XXXX account. The account was charged off and I settled it with their collection agency. The status should read paid collection
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Inc. (NE)

In XX/XX/2018 I was having issues with my air conditioner and had XXXX XXXX out to fix the issue. The replaced a TXV valve and charged {$1100.00} which I paid promptly.

In XX/XX/XXXX I continued to have the same issues with the valve not reversing, so I called XXXX XXXX to see if the valve was under warranty. They told me they would come out to look. Giving me the impression that it was covered under warranty and making no mention of any cost.

They came out and said that they couldn't find an issue with the valve, and recommended I just get a new system, and gave me a quote for one. No fix was made to the system, and they left with no mention of cost and without having me sign for anything.

I later received an exorbitant bill for {$240.00} in labor. I attempted to call and dispute and ended up leaving a message with which I had no reply.

In summary, I paid {$1100.00} for an item that continued not to work, and they were unable to fix, and now they are attempting to charge again for not repairing the issue.
Consumer complaint received 2023-11-22
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. (AZ)

In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : 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 ). 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 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-28
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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. 1681s-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