davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

I contacted company on XX/XX/XXXX to inquire on the medical collection listed on my credit reports. I am unaware of this debt, have not been previously contacted by debt collector. Have contacted original creditor, who has stated I was not admitted or sought services on the dates listed on my reports, either date of service, or date assigned. I have an in-law with a very similar name ( last 4 letters of first name are exactly the same ), and feel this has ended up on my report. They constantly kept asking for my Social Security number of which I would not disclose, they asked for my date of birth which I would not disclose. Then they asked for the last 4 digits, of which I still would not disclose. I gave them my name ( not at all common ) and the amount stated that is reporting. They insisted they needed Social Security number and Date of birth, to me is asking for identity fraud reporting. I requested removal from my reports, or medical disclosure to how they have obtained as such.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

After losing my job around XX/XX/XXXX, I was struggling to get by. Then XXXX XXXX destroyed my house in XXXX Georgia on XX/XX/XXXX. My wife and XXXX small children spent two  months in a hotel before finding a rental. Our insurance was paying for the rental until XX/XX/XXXX. On or about XX/XX/XXXX we contacted Wells Fargo property loss department to get get two checks endorsed for the completion of our house. We explained to XXXX XXXX our situation on timing and we 're told she would get it so we could have the checks endorsed in a branch instead of mailing them in. After attempting to contact her several more times over a two week period we talke to XXXX XXXX on XX/XX/XXXX. Who told my wife and I that the people in the property loss department INTENTIONALLY LIE to the customers about issues like that. This was on a recorded line. After explaining that we were out of time due to the rental constraints we talked to XXXX XXXX on XX/XX/XXXX in the executive complaint department. Our checks were still not endorsed and the builder was going to put a lien on the house. We talked to XXXX on XX/XX/XXXX and he advised to send in the checks but at this point we were already out of time. We can not get our personal property out of storage and are being charged {$2000.00} for rent and {$1400.00} for rental furniture and housewares. Talking to XXXX on XX/XX/XXXX the checks are still not endorsed and they will not pay for the costs we accrued because of their lack of action. We are still waiting on resolution. We have XXXX children ages XXXX and XXXX. Our XXXX year old son who is XXXX in the XXXX this home is his permanent address. Wells Fargo still refuses to help in any way.
Consumer complaint received 2019-02-21
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. (TX)

Equifax and XXXX  are reporting me as 120 days past due on XXXX  XXXX partial account # XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Resolution, Incorporated (OR)

I have been texted repeatedly about a debt that is being collected by ACR. I have texted back to them to let them know to NOT contact me other than through US Mail, and to send me something so that I may either validate or invalidate the debt. They have repeatedly refused/ignored my requests. I have also warned them that I would file a complaint, but that seemed to to nothing. I am currently at work and can not attach screenshots of the communictions.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing an account that is reporting on my XXXX credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. Tranunion and XXXX  has deleted it since but XXXX is still reporting it. I tried to re-dispute it online again with XXXX but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on XXXX credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and transunion deleted it so should have XXXX.
Consumer complaint received 2017-07-10
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. (MI)

There are XXXX erroneous hard inquires on my Equifax credit report. Further they are additionally dubious not just because I did not initiate them but they contain no lender contact data information ( see attachment ) which is a violation of current Credit reporting regulation, in other words according to Equifax I could n't contact them to dispute these hard inquires if I wanted to ( I do ) because they refuse to post contact info or is missing due to grave error. The added rules that went to effect XXXX XXXX clearly sate all tradeline data including court data must me accurate or it must be automatically removed without question. The XXXX tradelines are : XXXX From XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX and XXXX XXXX 2017, and XXXX XXXX from XXXX XXXX 2017. All state that : " No contact information has been report by this creditor ''
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have recently obtained a copy of my credit file and there are many mistakes in my report.   According to the Fair Credit Reporting Act , Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.   I demand to see Verifiable Proofs of the accounts you listed as below :  XXXX   XXXX   XXXX   XXXX  -ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX   XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX  : Unverified account   XXXX   XXXX   XXXX   ACCOUNT NUMBER  XXXX  : Unverified account  XXXX   COUNTY  RECORDER DATE FILED  XXXX / XXXX / XXXX  : Unverified public record US BKPT CT CA  XXXX   XXXX  DATE FILED  XXXX / XXXX / XXXX  : Unverified public record Additionally, my address is  XXXX   XXXX   XXXX   XXXX   XXXX   ,  CA  XXXX  Please update.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.
Consumer complaint received 2021-11-26
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. (MI)

I have tried on a numerous occasions to file a dispute with Transunion but they will not remove XXXX collection account from doctors that's is not mine. They removed them and then the next month put them back on my report. I told them I have never seen these doctors. I was also told it's against Hippa laws any medical collection to be on my report. I don't know if that's true all I know is that these are not my doctors. And now I can't see my credit report from Transunion at all but today I was denied credit because of a recent charge off that they're reporting I had. This can't be fair at all.
Consumer complaint received 2021-11-26
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. (TX)

Complaint : ( XXXX/XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. XXXX XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX  ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trojan Professional Services, Inc. (MD)

Trojan Professional Services is a collection agency which I hold no contract with nor have received services from, however, they are reporting a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of debt from each credit bureau, as well as Trojan Professional Services via a third party company. However, I have not received adequate proof. Considering this business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof, I am not obligated to pay the alleged debt. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Outsourcing, Inc. (MD)

I would like to dispute two things with the medical collection agency Receivables Outsourcing. I first tried to verify and validate the debt with them via a third party company. In return, they sent an itemized statement that included personal details of the charge. This alone is a violation of the Health Insurance Portability and Accountability Act ( HIPAA ). Therefore, I sent a letter to Receivables Outsourcing on XX/XX/XXXX, 2017 stating the following : " 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 them to release my medical information to a third party. I am aware that the HIPAA 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.
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Please provide a 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. '' I have yet to receive a response from this company and the collection debt is still listed on my credit report making a negative impact.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (TX)

I've attempted to contact Diversified Adjustment Service to provide with a written and signed contract between myself and Diversified Adjustment Service regarding repayment, all to no avail. I sent letters to this company XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The only response I've received are statements with my name on them. They refuse to provide the written and signed contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms.
Consumer complaint received 2017-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (KS)

Starting in XXXX of 2015, nationstar mortgage company claimed that we were {$3100.00} behind. We paid this in full through our local bank via wire transfer. They stated the foreclosure was no longer a threat. We resumed our regular monthly payments of {$720.00} for seven more months. Then they claimed that we were over {$10000.00} behind on our mortgage. Our records do not agree with what nation star has. At this time we went to our local bank to get help with refinance. Our banker pulled up our account through nation star online and discovered that our payments had been raised for the third time to {$1000.00}. We had not been notified of this payment increase. Our original line of credit is a fixed interest rate. Our payments went from {$630.00} to {$1000.00}. We have went to several local banks and private people to try and get help to pay nation star off. Nobody is willing to help us due to everybody being afraid of the foreclosure. Also we have discovered through the local deeds office that nationstar has 3 mortgages on our house. A local banker stated that no financial institution will help us with having 3 mortgages on one house. This backs us into a corner to where we can not get help to recover our house. Our attorney 's records show that one of those mortgages has been paid in full yet nationstar refuses to take one of those mortgages off the deeds list. They have changed lost of things within our loan which is illegal because they are just a servicer of our loan ... ... not the actual loan holder. They have also added an escrow that we have never had and that we never agreed to. Our banker or our attorney can not make sense of their bookwork or paperwork on our mortgage. It is just random numbers and letters that do n't state what they are for. They do n't even show when a payment is made or even the wire transfer that was made for {$3100.00}. They have offered us a modification but then denied it because of my self employment as a daycare provider. Our loan is a 10 year old loan with only 3 years left. The mortgage amount went from {$30000.00} to them {$49000.00}.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX, I received an offer of 1.99 % promotional APR on balance transfers until XX/XX/XXXX. I took the advantages to advance {$3700.00} and {$3500.00} on XX/XX/XXXX after paying a balance transfer fee of 2 %. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. However, Chase Bank keeps charging me high interest rate on my purchases, I called twice to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the cash advance. I was advised to pay off the entire amount or not to use the credit card at all. 

Since I have prepaid the 2 % transfer fees, it is not fair for me to pay off the entire amount before XX/XX/XXXX. I have quit using this credit card in the last two months.
Consumer complaint received 2019-06-24
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. (OH)

I requested METHOD OF VALIDATION from Equifax, XXXX, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an e-Oscar system. 

XXXX XXXX XXXX XXXX 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 Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to  determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''
Consumer complaint received 2017-11-03
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. (TX)

I have made several attempts for this company XXXX XXXX to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact XXXX XXXX. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TN)

I received a promotional solicitation on the  American Express appli cation offering me {$100.00} credit voucher if I made a {$600.00} or more reservation using t he American Express trav el application. I selected the offer & proceeded to make a a {$660.00} hotel reservation  on  XX/XX/XXXX  t hrough  AMEX travel through my American Express app. This is on my American Express bill for  XX/XX/XXXX . Having been more than 30 days I called to check on the status and was told that no such offer existed. After challe nging this I was told the offer existed but I did not enroll. After challenging this further I was transferred to multiple individuals including  XXXX ,  XXXX   XXXX  and  XXXX . Several claim to be supervisors although none ended up being. All of the individuals claim to be able to do nothing. Finally after  two hours and  repeated phone calls the last representative I spoke to a tend a reference ticket  XXXX . So far they have refused to acknowledge this bait and switch or the fraudulent activity on their part. Please help!
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

To whom i t may con cern, After carefully reviewing my  XXXX  credit report i notice navient have  XXXX  accounts with the same balance amount of {$9900.00}, same dates and late payments which mean navient is reporting the same account 2 times on my  XXXX  credit report. I am requesting my credit report is updated with the correct information or send me my loan documents showing i owe navient {$9900.00} for  XXXX  accounts.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX