davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC (FL)

I tried calling to pay a debt no one was able to locate my debt when they said they located it they told me my last name was something completely different leading me to believe it was an error and I dont have a debt but my credit report shows different. The gentleman was rude and told me the account number I had was wrong and my Name and last 4 of my social said Im someone else multiple times. Never though it would be this difficult and be treated so poorly to pay a debt.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS ACCOUNT RESOLUTION SERVICES was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. ARS ACCOUNT RESOLUTION SERVICES was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. ARS ACCOUNT RESOLUTION SERVICES also had to prove that my PHI was not disclosed without my authorization by furnishing an authorization release of information about any services or payment made or due if they did not render any XXXX XXXX to myself. ARS ACCOUNT RESOLUTION SERVICES did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX Bank XXXX Furthermore , both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing Inquiries that I have not authorized also have affected my credit standing XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

can not get credit score number. Sent a check to pay for credit score number/ Just got a report. XXXX XXXX XXXX Lending officer tried to get score still dint show any score/
Consumer complaint received 2020-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

i sent a le/tter out XX/XX/2020 with no reponse now by law it states the bureaus have 30 to respond and if not it must be deleted.
Consumer complaint received 2020-08-02
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MA)

I've been trying to fix my credit for the last couple of years I think I've been doing a good job about it now this suggestions that I get from XXXX XXXX is try to get loans every time I tried I don't succeed I also tries to apply for a credit card with low interest and to merge all my credit cards and pay a lower payment a month.and still get denied. Now I get punished for the next 2 years because that was considered a hard inquiry. My XXXX XXXX was XXXX when I started repairing it and now it's XXXX but everytime i try to do good you keep dragging me down. Likes it's impossible to get a head. 
Thank you XXXX XXXX
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

On a recent review of my credit report, I discovered your company reporting the collection account referenced. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TX)

VALIDATION AND CEASE AND DESIST Dear Sr, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Closed my credit card account, with out notifying me. I have a great credit score, I pay my bills on time and in full. They could not give me a response to why they closed my account other then that I am risk adverse, I have attached the paperwork plus the last credit card statement. They have told me that all my points are gone, even though I did not use them. I would like to get them back all $ XXXX, that I have earned. I am hoping you can help me on this.
Consumer complaint received 2018-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX XXXX. I have tried calling them. No success. This is my daughter account who live in XXXX. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my XXXX ID and address. From XXXX to present. Please remove.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I requested validation of this debt several times from both credit bureau and collection agency after seeing it on my credit report. it couldnt be validated by collection agency. i received a fake statement ( bill ) in the mail as validation. Not only do i know this isnt a account thats mine but based on this statement i received the dates of service doesnt reflect proper name or address at the time. i wasnt known by this new name or address until 6 months ago so how is a statement from XX/XX/XXXX-XX/XX/XXXX showing my new info???
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

XXXX XXXX is reporting a debt for {$880.00} on my credit report. This debt was resolved with the original creditor years ago. I have notified XXXX XXXX of this fact, and also disputed the account with XXXX, XXXX, or XXXX XXXX. Unfortunately, XXXX XXXX does not allow the credit bureaus to delete or properly update the account.
Consumer complaint received 2018-09-12
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. (NV)

XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX Alabama. I have tried calling them. No success. This is my daughter account who live in Alabama. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my Nevada ID and address. From XXXX to present. Please remove.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (CA)

In accordance with the Fair Credit Reporting Act, This Creditor has violated my rights. Under 15 USC 1681 sec 602 states : I have the right to privacy. 15 USC 1681 sec 604 ( a ) sec 2 states : A consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 USC 1666 ( b ) states : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2018-09-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have contacted Equifax and disputed this false account with Equifax several times and this account is still on my credit report. Equifax is reporting I opened an account with XXXX XXXX ( which we all know is a junk buying/old scam company ). I never signed any agreements with this account. XXXX XXXX has created fake documents to include a fake account number and a fake balance. I would like for this account to be removed from my credit report asap Equifax.
Consumer complaint received 2018-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NC)

I have charged with XXXX XXXX XXXX {$1800.00} because switch service with XXXX and XXXX will taking care of it, and after all XXXX  isnt responsible and even though is been recorded by 3ways call and now XXXX  XXXX XXXX put me in collection. I feel they play a game on me and that account XXXX XXXX XXXX close on XX/XX/2016 and now recently they on collection.
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

on XX/XX/2018 i sent a letter to Lexis Nexis requesting the method of verification for US BKPT CT FL XXXX XXXX But as of today i have not received a response. this bankruptcy has multiples inaccuracies, the filing addresses is inaccurate, the status is incorrect, the file date is inaccurate, court location is inaccurate. 

THEY CLAIM THEY VERIFIED WITH THE COURT BUT THE IS FALSE INFORMATION, ACCORDING TO THE COURTS THEY DO NOT GIVE OR FURNISH PUBLIC RECORD TO THIRD PARTY VENDORS LIKE LEXIS NEXIS OR THE CREDIT REPORTING AGENCIES BECAUSE THE DOCUMENTS ARE SEALED AND THEY NEED A COURT ORDER TO VIEW THE PUBLIC RECORD
Consumer complaint received 2018-09-12
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. (NJ)

As Per my last CFPB Complaint id no. : XXXX My mortgage co XXXX XXXX XXXX Mortgage loan no. XXXX for XXXX XXXX, agreed to correct the 120 days late reporting for XX/XX/2018 payment on my credit report, which was done for few days and was again reinserted 120 days late for XX/XX/2018 payment on my Transunion credit report, i waited for 30 days for this error to be corrected but it did not happen causing some of my credit cards to be closed because of this error. 
i would like XXXX XXXX XXXX to correct the error with Transunion and have Transunion send me the updated copy of credit report with correction.
Consumer complaint received 2018-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

SLS had previously reported late payments from XX/XX/XXXX to XX/XX/XXXX. I contacted them and filed complaint with the XXXX  of Colorado. 
On XXXX XXXX, I received letter from SLS stating all agreed payments were received, and account was in Good Standing. I received SLS confirmation on XX/XX/XXXX, that all payments were received from XX/XX/XXXX to XX/XX/XXXX. Currently both XXXX  and XXXX  show that all payments from XX/XX/XXXX thru XX/XX/XXXX were 90-150 days past due, which is incorrectly reported. 
This is negatively affecting my credit scores and needs correcting. 

Also as of XX/XX/XXXX, SLS mortgage payments have been {$650.00} per month and paid in full with this amount. 

SLS incorrectly updated my XXXX  and XXXX  reports on XX/XX/XXXX showing my monthly mortgage payment is {$920.00} This was incorrectly reported and I was not notified of any change in my monthly mortgage payment owed as of XX/XX/XXXX. 
I need verification from SLS of when and why my monthly mortgage payment was changed, and if incorrect, I need it corrected on both my XXXX  and XXXX  credit reports. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-12
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. (OR)

There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lincoln Educational Services Corporation (IL)

I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all
Consumer complaint received 2018-09-11
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: EQUIFAX, INC. (UT)

My primary complaint in all of this is Equifax, none of this would have happened if my personal information had not been part of their data breach, and now they are making it very difficult to correct an incident of identity theft. I learned via XXXX XXXX that I had a new credit card on my Equifax report on XX/XX/XXXX. The credit card was from a bank in XXXX XXXX I had never heard of called XXXX XXXX XXXX   ( FDIC XXXX ). It turned out that this bank had only used Equifax to approve the credit card even though the applicant had provided an address in XXXX, FL. A city and state I have never visited, let alone lived in. Instead of Equifax flagging this as possible fraud, they just changed my address to the address in XXXX. I have been working with the bank and filed an FTC report to have the fraudulently filed credit card resolved. In the meantime, I have asked Equifax on 3 occasions now ( 2 via website and 1 via phone ) to have the address removed from my credit report address history. I have sent them copies of bills and identifying information showing that my address in Utah is current and valid and has been for several years. They send me reports that show they have deleted the address, but then instead of deleting it, they just moved back the month I had apparently moved to XXXX ( first from XX/XX/2018 to XX/XX/2018, then when I filed the dispute again they moved the date from XXXX to XXXX ; one of these dispute forms they sent me is the attached document ). Equifax 's customer service is a brick wall that is impenetrable. I spent an hour on the phone on XX/XX/18 with 4 different operators, one of whom 's English was so bad it was obvious she was guessing what I was saying and then reading prompts from a script. The other credit agencies have been very easy to work with ( XXXX and XXXX ) but when I speak to their customer service agents, they inform me that the incorrect information was given to them via Equifax 's records, so only an Equifax investigation will result in the information being removed.
Consumer complaint received 2018-09-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Pioneer Credit Company, Inc (SC)

The branch manager of pioneer credit has came to my workplace 4 times over the last month. My boss is getting very tired of it as I am as well. She is not supposed to come to your place of employment. Also has been calling a person she thought was my boss which has caused other problems and I may not have a job due to this. I was Sent home on numerous occasions because of this. I would appreciate this being looked into as my information should not be brought to the publics attention. That is violating the privacy act.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OK)

This had been on my credit report forever the XXXX  account was opened in XX/XX/XXXX and as you can see no matter how much i paid the higher the bill went. And i was only suppose to pay XXXX per month for the 3 lines i had. When i asked for it to be removed from my credit report or fix the right amount i owed which is the early termination charge which was XXXX per line. Which i ended in XX/XX/XXXX.Which makes me owing XXXX only. Funny how they gave it over to enhanced who keeps it open. saying new account it is not.it 's a 7 yr old account and should have been removed a long time ago. I've called them and explained to them tried reasoning and nothing works. And when my credit is run it comes up as a utility bill causing me to have to pay large deposits for utilities when i try to tell them it's a phone bill from XXXX they say they have to go by what is says on my report a utility bill.so please explain to me how that works and how is it's fair to me. And the sad thing is my bill was always paid in full early every month.yet there was always a higher charge every month that is why i discontinued there service.as they charge whatever they want. As you can see once disputed it several times they just keep making it a new account as open.