davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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. (NC)

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. 

Accounts 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 

I looked at my TransUnion credit on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i ( 5 ) they're suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they're suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPTUM BANK, INC. (FL)

Subject : Urgent Resolution Required : Discrepancies in Billing and Charges Dear OPTUM I hope this message finds you well. I am writing to address several unresolved issues regarding my recent billing from Optum XXXX XXXX 
On XX/XX/2024, I visited my primary medical provider and paid the {$25.00} deductible using my XXXX credit card. The transaction was processed on XX/XX/2024, with reference number XXXX. Despite this payment, I have continued to receive bills for the same visit. 
I have been in contact with XXXX XXXX XXXX XXXX, to whom I have sent multiple emails with attachments clarifying this payment. However, as of XX/XX/2024, I have not received a detailed explanation regarding these charges. 
My primary concerns are as follows : 1. Unjustified Charges : There is an additional charge for " Brief Emotional/Behavior '' amounting to {$7.00} that I did not receive nor was it discussed during my visit. I was informed by XXXX XXXX 's office staff that this charge should not be included in my bill. 
2. Non-Acceptance of Credit Card Payment Proof : Despite providing proof of payment via my credit card statement, which clearly shows the {$25.00} payment covering my deductible, the company has not acknowledged this evidence. 
3. Threatening Communications : I am receiving intimidating notices labeled as " FINAL NOTICE STATEMENT '' without any detailed explanation or justification of these charges. 
I respectfully request the following actions : A thorough review and correction of my bill, removing any unjustified charges. 
Acknowledgment of my credit card payment and adjustment of my account accordingly. 
An end to the threatening communications and a proper resolution to these billing discrepancies. 
Attached, please find copies of the relevant bills, correspondence, and proof of payment for your review. I am under considerable stress due to these issues and would appreciate your prompt attention to resolve this matter. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-09-28
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: Experian Information Solutions Inc. (ME)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Can you look Into this matter
Consumer complaint received 2024-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

COMPANY PROMISE TO REMOVE FROM CREDIT REPORT BUT COLLECTION IS NOW BACK ON CREDIT REPORT AFTER IS HAS ALREDY HAS BEEN REMOVE THAT ALONE IS VIOLATION
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (SC)

The Branch Manager XXXX XXXX XXXX, has been combative, difficult, and enjoys the going back and forth. She has been nothing short of unprofessional and lacks customer service skills. As on more than one occasion, she has discussed the opening of a trust account and its matters within the main customer service area of the branch. She has remained in my space after being asked to back up, and ignored the request for me to speak with someone else other than her. Further, as a person who deals with XXXX ( XXXX XXXX XXXX XXXX  ), as a veteran who honorably served the country, having to experience this while in a Bank, caused emotional distress in that moment and every interaction with her prior too. She further taunted me by informing another Banker, who was willing to help me, to not help me ; as I requested to speak with or get contact information regarding speaking with her boss.
Consumer complaint received 2024-09-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (WA)

I received a notice of a Trustee sale scheduled for XX/XX/XXXX in XXXX XXXX near the end of XX/XX/XXXX from XXXX XXXX XXXX which is XXXX XXXX XXXX. XXXX XXXX is trying to hold a Trustee Sale of my Private Property on behalf of Shell Point Mortgage Servicing and NEWREZ LLC. I returned the Notice to XXXX XXXX, letting the know that this was FRAUD and requesting validation of the Debt. I have been in communication with Shell Point Mortgage Servicing asking for the same information since XX/XX/XXXX and I have filed multiple complaints that seem to be ignored along with all of my affidavits, and validation of Debt requests. XXXX XXXX has not responded to any of my communications. My Private Property is still listed on multiple foreclosure sites and random people are knocking on my door and harassing my family along with taking pictures of my Private Property. it is Unlawful to auction off my Private Property without Due Process. The sale of my private property has not been decided in a Court of LAW. 
18 U.S. Code 241 Conspiracy Against Rights 18 U.S. Code 242 Deprivation of Rights under the Color of Law 15 U.S. Code 1692 ( d ) Harassment and abuse 15 U.S. Code ( e ) false and Misleading Representations 15 U.S. Code ( f ) Unfair Practices 15 U.S. Code 1692 ( f ) ( 6 ) ( a ) states there is no present right to the possession of the property claimed as collateral through an enforceable interest 15 U.S. Code 1692 ( g ) Validation of Debts 15 US Code 1 Trusts, ect in restraint of Trade Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. 
I have been disputing this Debt due to multiple Loan number filed with my county as well as reporting different loan numbers on my credit report all with the same date attached. As well as multiple companies sending me statements in the mail, I have XXXX different addresses from Shellpoint Mortgage Servicing and NEWREZ LLC.
Consumer complaint received 2024-09-26
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. (MD)

This account was charged off. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history and a violation. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated rights 15 USC 1681 ( e ) b. I am demanding a deletion of the following accounts as they are affecting my credit profile tremendously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (HI)

I sent Navient a very thoroughly completed School Misconduct Application ( see attached below ) with many examples of obvious misconduct. I also included articles about misconduct and bad practices that Navient and the XXXX XXXX had been participating in for years. I also included the effects that these student loans have had on my physical and mental health as well as how it has affected potential job prospects. Despite all of my supporting evidence that I submitted, I was denied without any explanation. 

My application was denied with no explanation, opportunity to appeal or provide more documentation. They just sent a generic letter ( see attached below ) that said, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I reached out to Navient asking them to provide reasons why I was denied and what documents they need from me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Velocity Portfolio Group (MD)

I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
CKSPRIMEIN FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

I spoke with a representative at Amex customer support named XXXX on XX/XX/year> to confirm that I would be receiving the {$200.00} statement credit after spending {$1000.00} on my card in the first 90 days as that was what the mailer said that I received when I signed up for the credit card. I spoke to XXXX today on XX/XX/year> who said she is a supervisor and was not assisting me and would not pull the notes from my previous call on XX/XX/year>. I also contacted the customer support center before that to also confirm that this offer I received in the mail was legitimate and they also confirmed several times to me that yes I will receive that statement credit as long I spend the required amount which I did. She confirmed to me that I will see that statement credit on my XX/XX/XXXX statement but I just received my credit card statement today and that credit is not there.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I contacted Chase about filing a dispute against the XXXX XXXX XXXX XXXX XXXX XXXX. 

When I called to start the dispute they told me that it was past the window to do so. However, the rules given by XXXX are " '' a dispute for merchandise/services not received must be processed no later than XXXX  days from the transaction date XXXX 120 days from the last date the Cardholder expected to receive the services ( as long as it doesnt exceed 540 days ). '' I brought this to their attention and provided the rules and the receipt of when I purchased it. They told me they would look into it, but never get back to me. 

I sent this another message on XX/XX/XXXX ( they said the same thing ). And now I sent it again on XX/XX/XXXX 18th
Consumer complaint received 2024-09-18
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: CAINE & WEINER COMPANY, INC. (GA)

My identity was compromised because of the XXXX  data breach and the millions of Americans who identity was stolen from the XXXX data base account XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE ALL COMPROMISED ACCOUNTS. THESE ACCOUNTS ARE NOT MINES THEY HAVE BEEN CAUSING MY LIFE STRESS AND VERY PAINFUL TO BARE, THIS IS ILLEGALY AND I SHOULD NOT BE LIABLE FOR THESE ACCOUNTS
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TX)

There is a recording that was sent to XXXX XXXX, in all fairness to the employee, i will not upload it with this complaint. This recording was Tuesday XX/XX/XXXX aXXXX XXXX XXXX, XXXX called me on XX/XX/XXXX to tell me that the modification was denied. When we discussed making a payment before the end of the month, no late charge was discussed, so based on you i reached out to a friend and borrowed just enough to make the payment before the end of month and now you are telling me that i will still be late because my payment will go to the late charge before anything so i am still short on my payment. I am not upset because I was denied, I think it's unfair and eventually unless something changes, this loan will go in default or some other method of working through it. I am upset because you and the other lady last year kept telling me things that weren't true and then when it blew up in my face you told me that you didn't know. How do you expect me to know the rules of your company, i thought we were talking to resolve the issues, but every month you and the other lady told me this would be a permanent deviation and then when that didn't happen I was told oh the next one will be, this went on for 12 months. I don't like feeling like I have been treated like a fool. I have tried to work out something with the XXXX, Tennessee team and I was mislead and other options that were available to me before, are not now. They didn't do anything to assist me when I was laid off from my job and as I try to rebuild, they aren't doing anything to assist me. And every time i think we have this under control it blows up in my face, and all i was told by the employee, is " I didn't know how the process worked '', then i was called on XX/XX/XXXX and asked if i could pay the remainder of XXXX before the end of month, i said no, i didn't have it. I called a friend o XX/XX/XXXX and they loaned me some of it, the remainder put my account negative with a {$30.00} overdraft fee, so i can't afford the {$9.00} late fee, and XXXX told me that my payment that i borrowed would be applied to the late fee XXXX so my XXXX payment will still be short and i will be reported to the credit bureaus. I am tired of getting partial information from people that don't know there own policies.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX
Consumer complaint received 2024-09-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (FL)

Looking to dispute this debt. A letter was sent from insurance company XXXX XXXX stating that the services were not covered due to limited information submitted, no diagnosis code submitted nor any medical records supporting medical necessity and invalid code being submitted. I'm requesting detailed information as I am trying to get this corrected.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (OH)

This is a XXXX Party trying to collect debt that was confirmed as PAID to a XXXX party company several years ago and I was assured the last time I sent in proof that this debt was paid that I would never have this problem again. I have sent a copy of the itemized payments from the insurance company to this debtor. I am tired of these companies doing this to me! This was from XXXX!!!!! 
XXXX
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CO)

On XX/XX/year> i XXXX XXXX requested a written validation for a Debt put on my credit reports XXXX XXXX representative of XXXX XXXX XXXX signed my certified mail and after futher review determined that the account didnt meet the legal requimements to be on my credit reports and took it off XXXX Centra Portofolio Control openned again this debt on XX/XX/year> i requested through Certified mail the writted validation of this Debt, This Company Failed to provided the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Documentation showing you are licensed to collect debts in Colorado. 
And instead the send a vague document with just my name and an alter amount stating i do owe this when they only not fail to provide all the documents requeted but opened this account multiple times fraudulently and failing to provide all this documents as well as keeping it on my credit reports from major credit bureaus and failing to repond my correspondece after all.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows. 

XXXX XXXX XXXX It has come to my attention that the charge off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.