davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TENET HEALTHCARE CORPORATION (TX)

On  XXXX / XXXX /  XXXX  , I paid my hospital bill through Central Financial Control in the amount of {$230.00}, confirmation #  XXXX . I have been alerted through my ID Alert monitor-credit monitoring as a Federal worker that the Central financial control reported to my credit bureau that I still owe them money.
Consumer complaint received 2023-06-01
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. (OH)

" in accordance win me Fair cream Reporung acr. The List or accouns below nas violared my rederany protecred consumer tignts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ] ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven vecEs 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-14
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (TX)

XXXX requested deferral under the Cares Act due to loss of income XXXX approved for 3-month deferral beginning XX/XX/XXXX through XX/XX/XXXX XX/XX/2020 XXXX begins the process of requesting an extension XX/XX/XXXX through XX/XX/XXXX follow up multiple times a week to request status of the appeal and provides any and all requested documentation XX/XX/XXXX receive letter denial of extension XX/XX/XXXX began process to appeal denial XX/XX/XXXX lender requests additional documentation XX/XX/XXXX call SLS have conference call with SLS and my attorney due to no update on status on appeal XX/XX/XXXX property is sold XX/XX/XXXX SLS sends satisfaction of mortgage letter XX/XX/XXXX begin purchase of property in Texas XX/XX/XXXX lender contacts me to provide documentation of forbearance as credit bureaus show the account was closed as 120 day late XX/XX/XXXX call SLS requesting letter showing forbearance period XX/XX/XXXX call SLS for status on of my forbearance letter, told SLS decided not to send letter and was just correcting bureau. Told SLS to send letter I requested, was told would be getting response in 48 hours XX/XX/XXXX receive letter stating that they completed a request to take the forbearance of the mortgage ( which was not requested ) and payments to begin XX/XX/XXXX on a mortgage that is paid off and closed XX/XX/XXXX call SLS with mortgage broker to get his assistance to have them correct the account. SLS stated they have 30 days since I called on XX/XX/XXXX to correct the account status with the credit bureaus. When requested documentation be sent to me for proof of what the agent stated on the call. She hung up.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MO)

I received a bill for {$2200.00} for an IKEA credit card for a purchase made on XX/XX/2022. I've never opened a credit card account with this company nor purchased anything in the month of XXXX from IKEA. I have called Comenity Bank ( issuer of the credit card ) multiple times and they have only forwarded me to the fraud department. I have waited on hold multiple times for over 2 hours with no answer. They seemingly do not care that this account was fraudulent.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-11-14
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2021-01-05
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. (OH)

I am writing with regards to the decision by Transunion on my dispute for a debt with XXXX XXXX credit card and their negative comments on my credit report. 

1 ) XX/XX/XXXX I called for a payoff amount ( {$190.00} ) paid the same and received confirmation # XXXX as proof of my XXXX  balance and requested to close this account once again. 
This was the agreed upon amount with the person that I spoke to on the phone. I believe the original balance at that time was about {$250.00}. This balance was incurred as a result of a purchase that I made for {$50.00} the rest were all fees incurred while I was recovering ( hospital and home ) from XXXX. 

2 ) The gentleman in question said that he did not have the power to eliminate all fees but could eliminate the last ones as a result of the medical condition. He said that the account needed to be paid in full right away and that the best he could do was {$190.00} which I paid immediately. I asked him for some sort of confirmation or proof of that conversation and he gave me the aforementioned number. 
I just found out looking at my credit score that you have been reporting my account as delinquent since that time ( after the payoff payment ) and that I owe you a balance. I have been calling XXXX asking for someone to help me. Finally today I was able to get someone who told me that the only way to resolve this is for me to mail them this letter. I sent the letter certified mail on XXXX XX/XX/XXXX. 

3 ) Throughout this time XXXX  continues to charge fees on an account that was paid off -leaving me with a balance {$220.00} that should never have been assessed as the account was paid off in full. 

4 ) I disputed this bill with transition and on XX/XX/XXXX - after just a few days- they advised that they decided that the charge was accurate. ( It appears that a computer not a person makes this decisions ). No proof at all of how this was determined. 

5 ) XX/XX/XXXX -- called XXXX  again to try to get this resolved- was on the phone for 45m to be told thatchy had to review the case. 

I am asking you to please help me.
Consumer complaint received 2021-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX I signed onto my XXXX XXXX Account and discovered a new loan past due added. Which stated Navient for XXXX on an original loan amount of XXXX. Some date of XXXX do not remember exactly Transunion dispute can provided. I disputed through Transunion dispute '' this is not my account ''. I was contacted by a person from Navient after 3 disputes sent, they stated ohhh it is actually XXXX. I asked, I do not remember this loan can you send me a copy of the original loan? Yes, but your delinquent have to deal with XXXX sent paperwork from them, made agreement XXXX dollars a month then was transferred to XXXX account. Spoke with them today ok can put in forbearance. Once again asked about original loan information, was told to call XXXX all the information they have is it was due to start for payment on XX/XX/XXXX. I still do not know original loan date. I still do not know why If this loan was due to start in XX/XX/XXXX at the amount of XXXX. I was not contacted or have had no more info on this loan, until I find it reported on my credit report in XX/XX/XXXX at almost triple the amount of original loan. What is worse is it is now XXXX XXXX, XXXX and the amount is XXXX now over triple the amount. All anyone want to provide is well you owe this lets settle this then pass it on. No one wants to explain why this loan comes out of nowhere years later at extraordinary amounts, you are past due. I feel this is very unfair lending practices where you have no chance to catch it while the loan is still at minimal to pay. After multiple calls from both I and My daughter we still have gotten nowhere and just get sent in circles. I can assume if XXXX is correct then it was a loan for my daughter and we owe it but if due in XX/XX/XXXX and original date was before she even started school then we do not. Also under fair practice then something should have been sent prior to be able to pay the loan at a reasonable time before all this interest and late charges .Also, some loans have already been paid off and I do not have records from XXXX to check if this has already been paid my bank has been bought out twice do they keep micro records?
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc. (CA)

This debt was about a medical bill. I was admitted to the hospital because my husband and I had an 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. Then when I was at the hospital. I got treated and I am expecting my health insurance will cover the bill. But unfortunately, the coverage was out for just XXXX day. If only they have the empathy to waive the bill. I would definitely appreciate it and thanked XXXX I am alive and well after the XXXX XXXX XXXX XXXX XXXX If I only knew that my health insurance was out for XXXX day. I would not go to the hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX than incur a bill and now I'm in debt because of this medical bill on my credit report. Please help and understand my situation. XXXX XXXX should have done something to get them paid. I have health insurance under the government medical benefits. If XXXX XXXX and my health insurance done their part to settle this, it would have been gone and no more dispute like this. I've been paying my health insurance consistently and diligently through my paycheck. And I will never be irresponsible of just letting this bill occur this long if I really don't have health insurance that time. I would definitely take care of it and will not harm my future as well. Thank you and I hope you would help me on my dispute.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CT)

I do not have an account with Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report and I saw this error. I was never informed of such issue.This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then XXXX. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is XXXX what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Closed XXXX Closed Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit profile. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for a removal they also violated my rights. 

15. U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions.

Also the credit bureau took more than 30days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

On   XX/XX/XXXX  I sent a  letter to the address provided on their website in regards to their derogatory information that is being rep orted to all    XXXX   credit bureaus against me.   They failed to respond by mail so I then called them in regards to the letter that asked them to verify the debt.   They stated that the information is valid but I then again asked them to submit the documentation in writing and they have yet to do so however they did submit derogatory information to the credit bureaus once more.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I received multiple credit bureau alerts that a new XXXX XXXX XXXX card account was added to my credit bureaus, which is totally fine, however the problem is that XXXX XXXX reported the incorrect balance to the bureaus. 

At the time of my statement closing on XX/XX/XXXX, my balance was only 2 % of my total credit line, however, XXXX XXXX reported the balance showing 96 % of my credit line which is totally incorrect, because the additional charges on the card took place 4 days after the statement for XXXX had already closed. As a result of this incorrect information being reported, my credit score dropped across all three bureaus. 

When I reached out to XXXX XXXX to get this problem corrected, they first told me that the issue would be resolved in 10 business days, however, when I reached out today, to get an updated status, the rep told me that the dispute would taking 90 days to be resolved. As a consumer and credit card customer, I am totally disturbed by this because XXXX XXXX is not displaying any sense of urgency to correct a mistake that they made, and are telling me that I have to be subject to their dispute process that will take 3 billing cycles to correct. 

I am a very responsible credit card user and pay my revolving credit balances down to less than 10 % every month.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX Is Reporting As A Repossession for {$300.00} To The Credit Bureaus When Ive Disputed Multiple Times That It Was Paid Off By XXXX And XXXX took possession of the vehicle XX/XX/2021.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I received multiple credit bureau alerts that a new XXXX XXXX XXXX card account was added to my credit bureaus, which is totally fine, however the problem is that XXXX XXXX reported the incorrect balance to the bureaus. 

At the time of my statement closing on XX/XX/XXXX, my balance was only 2 % of my total credit line, however, XXXX XXXX reported the balance showing 96 % of my credit line which is totally incorrect, because the additional charges on the card took place 4 days after the statement for XXXX had already closed. As a result of this incorrect information being reported, my credit score dropped across all three bureaus. 

When I reached out to XXXX XXXX to get this problem corrected, they first told me that the issue would be resolved in 10 business days, however, when I reached out today, to get an updated status, the rep told me that the dispute would taking 90 days to be resolved. As a consumer and credit card customer, I am totally disturbed by this because XXXX XXXX is not displaying any sense of urgency to correct a mistake that they made, and are telling me that I have to be subject to their dispute process that will take 3 billing cycles to correct. 

I am a very responsible credit card user and pay my revolving credit balances down to less than 10 % every month.
Consumer complaint received 2022-11-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (CA)

My mortgage loan is currently Covid forbearance, CFPB has a previous record of my complaint originally. My mortgage with BSI has reported late payments as of XX/XX/2022, my understanding was my loan would be protected from reporting late on my credit report. I spoke last week with loss mitigation about my loan and they confirmed no lates would reflect on my credit report. My score has dropped drastically. I spoke with loss mitigation last week and they are very aware that XXXX XXXX  XXXX was going to bring my account current. XXXX XXXX XXXX contacted BSI for payoff for past due balance. I also received a notification from XXXX XXXX XXXX my past due balance would be paid up to XX/XX/2022. I dont understand why BSI would report on XX/XX/2022 late payments on my credit report if I was protected? Why now, right before my past due was getting paid. They told me I was protected from negative or derogatory credit reporting. I am very disappointed and stressed out. I was trying to get a small personal loan for the holidays for my family and my credit was ruined and now I cant qualify for anything. I had good credit. I was finally going to get back on track. After loosing my job this year. Please help XXXX