davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AP)

Upon review of my credit report on XX/XX/XXXX, I found a listing for Account Resolution Services. It is reported as a emergency service related debt, and the company being the debt collector.
<P/>
I have no history of emergency services need, and have never utilized emergency services. Upon request of validation of this debt, none was sent to me by the company. Reportedly, this was also validated by XXXX XX/XX/XXXX, when I made a request through XXXX after asking them to have the company produce validation. Again, I have not received any documents showing how this account was validated or copies of my signature. I am concerned that this was placed on all three of my credit reports in haste, and I am being charged and penalized for an account I never owned, nor received services for. Not only have I never received services for any emergencies, I have no minor children, and would not be billed for any child I have under the age of XXXX.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit reports. I have asked that they dont respond to my request by saying that these accounts have been verified, as they did with XXXX. I have asked for validation, not verification. I would like copies of the documents that you have in their files related to services they are demanding payment for.
<P/>
XXXX XXXX Law Dictionary, 6th Edition XX/XX/XXXX defines " Verification '' as, " Confirmation or correctness, truth or authenticity, by affidavit, oath or deposition in averments or statements of party. '' What this means is that their company must be willing and able to produce a document that provides the account ( s ) in dispute belong to me, and the information being reported is accurate and they must be able to do this in a court of law. Their failure to provide me with verifiable proof required to post the account is evidence that the account never existed and therefore is proof that they can not properly " verify '' the account.
<P/>
If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they need to be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing theses inaccurate and unverified items on my credit reports which are distributed to 3rd parties they are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681 ( i ), all unverified accounts must be promptly deleted. Therefore, if you they unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of then they must have their account removed from my credit reports. It has already been 30 days, and they are already in violation.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Village Capital & Investment LLC (GA)

Company Name : Village Capital and Investment Account Number : XXXX On XX/XX/2022 a late payment for XX/XX/2022 was placed on an old account that has been closed since XX/XX/2022. XX/XX/2022 the home was sold and paid off in full. I called to have the company remove the payment and I was referred to a department with no phone number and who only takes emails. I am in the process of getting ready to purchase a home and the incorrect information is hurting my credit score. It dropped my XXXX credit score XXXX points! I havent had any financial obligation to them since XX/XX/2022! I have documents I received from them showing the payoff.
Consumer complaint received 2017-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

On Friday, XX/XX/2017, I made many attempts to contact the Navient 's Private Loan Department. When I called I was transferred to the Department of Education Department, where I was asked a verify information. When I asked to speak to someone in the private loan department they would transfer me, but the transfer never worked. Instead, I would get a dial tone. I called repeatedly with the same results. I spoke to about 12 different people regarding my Department of Education loans, but they were unable to transfer me or offer me help on how to move forward with my private loan.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (GA)

I recently filed a chapter XXXX Bankruptcy on X/XX/2017. After American Express was informed of the filing they disputed all the charges that I have made 6 months leading up to the filing. These charges range from gas station purchases, dining, utilities etc. I called and tried to speak to AMEX about the issue and no one wants to assist or help me. This practice is unlawful and I need to know what to do in order to resolve this matter ASAP. My internet, cable, and cellphone have been disconnected and the accounts are pending disconnection. Can someone reach out to American Express on my behalf and have them retract these disputed charges that has been wrongfully executed.
Consumer complaint received 2022-11-25
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. (FL)

For several months Ive been in dispute with experian not just fraud account reporting but expierian itself is fraudulently operating a money ponzy scheme. They in of themself are clearly with intent for fraudulent gain and enrichment not filing disputes at all, limiting what one can say in a dispute making themselves unavailable for any one consumer or not no contact at all. They are charging XXXX enriching themselves by the ponzy scheme they dont report disputes and if they on rare occasions do its not as writen so the dispute goes no where the consumer continues to be a customer attempting to dispute fraud accounts in their name and the cycle repeats the problem never resolved and thus stealing from millions.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

i recently sent a letter to the Portfolio Recovery associates llc and in That letter also clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since THEY HAVE continued to call and harras me after receiving that letter that clearly stated for them to provide relationship documents between origional creditor because i did not receive my formal notice of the debt being sold to a third party that fcra clearly states they must do and follow. they are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Consumer complaint received 2022-11-26
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: CCS Financial Services, Inc. (FL)

In accordance with the Fair Credit Reporting act Credit Collection Services ( The CCS Company ) Account XXXX, has violated my rights. 

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 also states a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-25
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX U.S.C XXXX section XXXX A states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer reporting agency can not Furnish a account without my written instructions I Asked the Credit Bureaus to do a verification of everything on my credit report and they did they said everything on it is accurate on my credit report they stated it was accurate after they did there own investigation I Did a thorough research my self and I found out improper inaccurates on my credit report even after they did there research on this account thank you company name : XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX XXXX XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lockhart, Morris & Montgomery Inc. (MD)

15 USC 1682 Section 602 : stated I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency cant furnish an account without my written instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On Credit Card Account Under An Open End Consumer Plan as Late For Purposes.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. Auto Sales Inc. (GA)

As a consumer I was extending my credit in a consumers credit transaction. Under XXXX XXXX as XXXX Which I stated as I walked in. They XXXX a bank statements which were provided as well as XXXX stubs. Before sending my information to the underwriter I was told to sign an agreement which I placed my autograph on which included XXXX XXXX they requested I remove without prejudice by law as a consumer I was exercising my rights. They proceeded on telling XXXX cant extend my credit unless its removed. Also, by XXXX under XXXX becomes legal binding and UCC XXXX XXXX becomes a negotiable instrument and becomes liquidating. So, I agreed to remove it because I need a vehicle. After, I presented all the necessary documents to extend my credit in a consumers credit transaction they went on to mislead me in saying they Did a Soft pull on my credit, Which I have proof it was a hard inquiry which means I was approved and my credit had been extended for XXXXXXXX XXXX But they continued to mislead me on my credit extending. Later they called me and told me that because I worked for a temp agency that I could not be approved which by federal they denied me again under XXXX XXXX XXXX false and misleading of ones on credit is a {$5000.00} fine or imprisonment up to a year or both. The XXXX XXXX XXXX XXXX Falsely mislead me again aswell well as another supervisor which is fraud and Theft. 

Documents they Needed for approval : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-26
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXXK XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-26
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: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX... Balance : {$40.00}
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$40.00}
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently moved back from XXXX XXXX XXXX to XXXX and when shipping boxes one of them was stolen through USPS. I'm still trying to get in contact but they refuse to cooperate and the box that was stolen had my social security card in there. I was trying to look for apartments and can't get approved because I saw that there's a lot of debt that is not mine.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC (NY)

Good day, I applied for the XXXX  card on and around XX/XX/XXXX or the XXXX and was approved I have been in contact with XXXX since then, I had my original card sent back because XXXX did not honor my change of address in which they left this just in ladle for weeks until I contacted them back around XX/XX/XXXX to inform them why havent I received a letter or email concerning the original card being sent back to their offices. I then had to send proof of my new address to verify so they can issue a new card and I did so on XX/XX/XXXX as of XX/XX/XXXX it will be three months and I still dont have the physical card, I have informed them while on the phone that if I didnt contact them they would have closed my account and it would have affected my credit score I have several recordings of so called managers and customer service reps telling me several different things every time I called.
Consumer complaint received 2022-11-26
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. (CA)

I sent a letter on XX/XX/2022, to remove an account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX  XXXX .... Balance : {$9300.00}
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.
Consumer complaint received 2023-05-31
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2022-11-26
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-06-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

My name XXXX XXXX XXXX, I submitted my application for a short sale with Bayview Loan Servicing, loan number : XXXX back on XX/XX/XXXX. The this whole process has been a nightmare and a real pain of a process. When I contacted Bayview I was advised to submit certain documentation to the lender to be reviewed. I did and was confirmed that they were received and was going to review the documents. My file was then transferred to an asset manager XXXX XXXX who I have never spoken to and never returns my calls. Her contact number is XXXX ; I was then advised that my file was transferred from the short sale department to the bankruptcy department. WHAT!!!! why? When the last time I filed BK was on XX/XX/XXXX file number BK XXXX. And keep getting advised that I have to speak to XXXX ... I do n't understand how a big company like Bayview has only XXXX person assign to my file that can update me or help me with my review or process. It is just ludicrous an unprofessional. The customer service is awful ... Go figure that the lender did n't help me when I tried to do a loan modification and advised me that I only qualify for a short sale that they are even making it hard to even do that.
Consumer complaint received 2022-11-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Synovus Bank (FL)

I made a prior complaint about this same bank, and same account, in XXXX of 2019 ( Complaint # XXXX ) I thought that it was resolved with your help. This account has been paid off for many years. Recently I received a statement indicating that it had a balance of {$780.00}. I did not use this or authorize it, I thought the account had been closed. I called and they refused to accept a fraud report. They reversed the charge and told me they would close the account. I then received a notice that there was a balance of {$2.00}. I called again and told me they would close the account. I received a notice again today that there is balance due. They have refused to close this account, even thought it is paid in full and I have requested it be close, and they have assured me many times over the years that they would close it. Now there are multiple fraudulent attempts to take monies from this account, and they will not investigate who is withdrawing money from what should be a closed account. The bank is Synovus, please help determine if this is a case of gross incompetence of criminal fraud.