davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (TX)

The letters which were sent to the company were requests of HIPPA validation, I am requiring that the company XXXX provider HIPPA consent that stated I acknowledged and advised the hospital to send over my medical information to them company. I have yet to receive a response to any of my requests for XXXX validation. The continued requests have been documented and have yet to be acknowledged. Just two years ago in 2015 the lawsuit, ( XXXX versus Syndicated Office Systems XXXX Central Financial Control ) alleged that Central Financial Control had violated the Fair Debt Collection Practices Act when attempting to collect on consumer debts as well as Preventing consumers from exercising important debt collection rights. Failure to remove these collection accounts from my credit report will result in me opening another class action lawsuit against the XXXX for HIPPA violations, also well as the mishandling of my consumer credit reporting disputes. I have disputed these accounts multiple times with no acknowledgement of HIPPA validation to release my medication information. I will ask the court to refer to the previous lawsuit and see that the business practices have no changed of the company and they are n't following the criteria set forth for them. I will also ask for the company to incur all court costs as well as compensation for the case. I am requesting the accounts be removed from my credit reports within 30 days from this response.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance to the fair credit reporting act. Then account listed below, have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crimes which antedated the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person may not furnish any information related 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 2023-05-26
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. (NY)

XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$610.00} {$610.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2022-12-22
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. (WA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX 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 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

Me and my husband are a month ahead on our mortgage payment but they are trying to say that we are not ahead that we are late and they keep hitting us were late fees. Also when we make the payment, they are taking our money and putting it towards escrow or principal and then they also asked us to pay more money but we are already caught up. 
Its like they are trying to set their customers up to fail and if they thought we were dumb enough to fall forward, they would continue to try to take our money. 
We do have bank statements of every payment that we have made. We are caught up and they are trying to rip their customers off. We didnt even go to this mortgage company. I believe they bought our loan.
Consumer complaint received 2023-05-27
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: ALLY FINANCIAL INC. (CT)

From the months of XXXX of 2021 I was in transition of jobs got diagnosed with XXXX and fell behind on everything as a single man. When I spoke with the rep/ debt collector via phone call he stated that we could place a freeze on the card to prevent further transactions and as long as I was able to make the agreed upon payments and became current they would remove the late payments. I held up my end of the deal and Im having a hard time getting the team to remove those late payments.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I've discovered I've been charged thousands of dollars going back to XXXX for a " service '' I never agreed to nor even saw any acknowledgment option for. Below are some notes from my calls with Synchrony. 

I was informed by Synchrony Bank employee XXXX XXXX I would be 'getting everything back ', but the department was closed and I would have to call the XXXX -- -- - CALL ONE : XX/XX/XXXX, XXXX XXXX, TOTAL 29 MINUTES - Transferred from XXXX Customer Service XXXX XXXX XXXX to Synchrony Employee XXXX XXXX said verbatim 'I would get everything back ' at XXXX XXXX -- -- - CALL TWO : XX/XX/XXXX, XXXX, XXXX ' 'Employee ID ' XXXX XXXX Employer XXXX XXXX ' Customer Care representing Synchrony I described this practice to the employee a " fraudulent billing practice '', billing a customer money without their agreement for a service they have no knowledge of even having been 'enrolled in " by the biller. 

I've discovered other people who have had their refunds assisted by the CFPB for the wrongdoings of Synchrony 's " CARD SECURITY '' billing practices and was suggested I also file a complaint. 

Instead of helping me, this agent kept on saying it is 'not her department '. I reiterated several times I'm not talking about outside fraud, but an unscrupulous billing practice by Synchrony and that I am indeed at the correct department as instructed by Synchrony themself. This person laughed as she gaslighted me saying " oh no but you said fraud so I won't help you '' even though I was at the right place causing me to get extremely frustrated. 

I believe these are retention agents that are incentivized to not refund money and get us to hang up the phone. She informed me 'she had no supervisor ' at first. I believe this practice is illegal. Later in the call she said she did say she requested a callback from a supervisor, clearly indicating she was lying and thus had incentive to get me to hang-up the phone to avoid a bad survey or to increase her retention rate. 
-- -- - CALL THREE : XX/XX/XXXX, XXXX, XXXX - Employee/Call Ref ID XXXX ', XXXX XXXX ' aka XXXX XXXX representing Synchrony I then called the same line back and did indeed have some of the money refunded by XXXX, but not the full refund I am entitled to as someone who was billed for something without their knowledge or explicit agreement with any sort of knowing of said program 's enrollment or cost. 

She escalated to a supervisor, and instructed me I would have to either call back again or wait for a callback. It doesn't sound like she has any kind of actual relation to these supervisors and couldn't tell me certainly it would actually even happen. 
-- -- - I also can not even see in my XXXX STORE CARD portal the full amount I have been billed for this program I had no knowledge of. Please verify the total amount I have been charged from the beginning.
Consumer complaint received 2023-05-27
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: JPMORGAN CHASE & CO. (CT)

I ordered an item from XXXX XXXX for {$150.00} on XX/XX/2022, which due to problems on the vendor 's end was never shipped. I first attempted to go through XXXX 's to resolve the problem. They offered to resend the item, which unfortunately also did not happen. Ultimately, I asked for a refund, and XXXX 's agreed to this plan. 

When this refund was never sent, I asked Chase as my credit card issuer to help resolve the problem. Their initial investigation ruled my transaction as valid, but they notably did not ask for me any documentation during this initial investigation. 

I then requested a re-dispute. Despite giving multiple sources of documentation ( including shipping details, and emails between myself and XXXX 's ), they again ruled the transaction as valid. They did not give any details why the emails were not considered valid proof of the vendor 's agreement to refund my charges.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I filed for an income based repayment plan and every time i called they would say they needed something else and putting the account back in forebarence. When i finally argued with them in XX/XX/XXXX they said it was approved but never gave me the new payment. They put the account back in forebarence without my permission. When i finally saw my payment in XX/XX/XXXX it was the same payment i told them i could not afford in XX/XX/XXXX. Now what do i do?
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX XXXX Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$610.00} {$610.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2020-04-29
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: Experian Information Solutions Inc. (MN)

To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (SC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL ()

I am receiving emails from Synchrony for a Lowe 's Advantage Card that I never signed up for. The only details I have is that the account ends in XXXX. The Synchrony website does not allow me to contact them via email without signing into an account that I did not create. Please note that I do not live in the XXXX so I am not prepared to contact them by telephone. 

My issue then relates to ( a ) is this fraud? I can't know, but at the very least ( b ) they have clearly failed their KYC obligations under AML / CTF laws that I know exist in the XXXX ( I do not live in the XXXX ), since they have not even done the most basic checks, including validating an email account - which I note that this was required to sign up here under the CFBP.
Consumer complaint received 2024-03-29
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BMO Bank, N.A. (CA)

I've called XXXX spoke to a customer rep XXXX on XX/XX/XXXX regarding a refund of {$1200.00} sent from XXXX credit card XXXX with trace # XXXX on XX/XX/XXXX to BMO Harris Bank XXXX no one called me back after XXXX hours, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the reps XXXX XXXX XXXX and another lady ( forgot to ask her name ) told me that they did not know what to do and hanged phone call on me. 
I called again on XX/XX/XXXX with a conference call with XXXX credit card XXXX XXXX, was able to reach out to XXXX at XXXX ; however, XXXX said that she's unable to allocate the refund of {$1200.00} and that she would have to spend anotehr XXXX hours to reach. 
I would like to reqeust BMO Harris Bank to locate the refunds of {$1200.00} via their master car bill processor and adjust the 4 % bank transfer fees of $ original amount of {$2400.00} to XXXX, which is {$49.00} fee adjustment back to my credit card ASAP.