davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (RI)

I received a letter from EOS CCA Dated XX/XX/2021 I received that letter on or around XX/XX/2021. To which i responded via written letter XX/XX/2021 to XXXX XXXX XXXX, XXXX, MA XXXX  Requesting a verification of debt. 

The reason for my request for a verification of debt is 1st to establish whether or not this is in fact my debt and 2nd the details of the charges as they are alleging that I owe {$4500.00} yet they have not provided the details for the charges in question. 

How is it okay for them to send me a letter stating that I owe {$4500.00} and no explanation of charges? No date of Service? Nothing at all is on this letter ties me to this debt. The information on this letter could have easily have been obtained with a simple XXXX search or XXXX XXXX search. I don't think that I am asking a lot by requesting that they both prove this actually belongs to me and provide details of charges. 

The second reason for my complaint is that if this hospital did in fact share my information with this EOS CCA Agency this is a clear and present violation of my HIPAA Rights. I am not sure how they could provide me with the details regarding my visit with out violating my hippa rights. And yet in still I am being asked to pay an amount with XXXX proof or anything. 

Today XX/XX/2021 : I received a phone call from a XXXX XXXX from EOS CCA and he stated me me that their office does not check their PO Box which is probably why I haven't received a response to my letter. He stated to me that they do everything online and if I wanted more information I would need to go directly to their website.. This is not acceptable for me as I would like to be communicated with via written letter so that I can keep track of my communication. He also advised that this is my debt because he would not be calling me if it wasn't and this is also unacceptable as I have requested written verification and a verbal confirmation which lacks the details of these charges is not acceptable. 

If you look at the attached letter from the company there is nothing here which details my date of service or the details of the charges. 

Thank you, XXXX
Consumer complaint received 2021-03-03
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: CITIBANK, N.A. (NV)

On XX/XX/XXXX, I made a purchase with my Citibank issued credit card ending in XXXX to XXXX via XXXX in the amount of {$1500.00}. The purchase was for the delivery of a mattress and associated furnishings. 

Subsequently, I disputed the charge with Citi, indicating that the merchant was not in compliance with their own terms and conditions. 

On XX/XX/XXXX, Citi sent a letter indicating that if I continue to dispute the charge, I should : " Please sign and return this letter with the requested information by XX/XX/XXXX. Please do not send photographs, smart phone pictures, or zip files as they are not compatible with our system. Our fax number is XXXX and our email address is XXXX. Please reference this ID in the subject line of your email : XXXX. '' Pursuant to Citi 's instructions, on XX/XX/XXXX at XXXX PST, I responded to Citi via email to their provided email address and referencing the provided ID in the subject line of the email, and provided additional supporting evidence for my claim. Citi 's automated system acknowledged receipt of the documents. 

However, later that month, Citi sent me documents indicating that I did not provide additional supporting evidence in the time allotted. This is in direct contradiction to other documents that they provided me. 

Citi failed to comply with their own stated dispute process and made it impossible for me to provide them with documents.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I contacted XXXXXXXX XXXX  and requested COVID payment deferred payment. I made the request online. But also called as well and was verbally advised that the personal loan was fine under the deferment. 

A few days ago, I received a notification via XXXX of a 30 day late reporting. My FICO credit score dropped 78 points.
Consumer complaint received 2021-03-03
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. (TX)

I recently filed a complaint with CFPB about my name being incorrect and false accounts on my credit report. My complaint was labeled resolved but I noticed a few issues still unresolved. The 3 bureaus asked me to mail out a copy of my id and lease agreement in a attempt to pertrey a resolution attempt. My issues is I have mailed the request 3 times. It's also a XXXX charge off on my account for a car that was never in my position it was in my ex-girlfriend 's name XXXX XXXX. XXXX placed this vehicle on my account after resaling it and without giving me a change to take over the vehicle. The XXXX was never in my possession or never was I given a chance to take ownership but it's reported on my credit as if I had it. The car was quickly resold without letting me know and as I stated before I never had ownership. After my first complaint XXXX still continue to have a incorrect name on my credit report.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I purchased a car from Credit Acceptance in XX/XX/XXXX. Now by XXXX I was behind so they repossessed it and yes I had " good faith '' payments to keep my car out of auction. I made the last payment to get my car on XX/XX/XXXX. I was refused my cars release until XX/XX/XXXX. 
A year later I find out they had taken the car out of my name on XX/XX/XXXX after I had done paid all my payments I had to for them to release it. I was never informed that they had taken a car out of my name they never sent me paperwork I asked Credit Acceptance for anything else and even up til today. They take blame but refuse to own the {$1000.00} worth of penalties. Plus the {$1000.00} I'm just out because Credit acceptance decided to not post them.
Consumer complaint received 2021-02-25
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc. (CO)

On XX/XX/XXXX, my wife called the Mr. Cooper call center responding to several persistent and obnoxious phone calls from them. My concerns are these : 1 ) In XXXX of XXXX, we applied for a forbearance under the auspice of economic relief related to COVID-19. It was represented that our payments would not be forgiven, but rather, our payments would be applied to the end of our loan. There was no discussion or disclosure related to the necessity for " modification ''. Therefore, Mr . Cooped failed and misrepresented pertinent information related to COVID-19 Relief. 

2 ) Mr. Cooper persistently, unnecessarily and obnoxiously calls everyday. There are no messages left and when we call back, the inept customer service department can't seem to access notes or records to understand why Mr. Cooper was calling us in the first place. 

3 ) On XX/XX/XXXX at approximately XXXX XXXX Mountain Standard Time, my wife called XXXX and spoke to a woman who alleged herself as a customer service representative, but her behavior would suggest something different. Regrettably, we don't recall her name, but any competent call center manager would be able to search the records for either my wife 's phone number or our account number, on this date and approximate time, to find the recording. 

Anyway, the female employee 's conduct and demeanor was beneath any acceptable professional standard of customer service. She was rude, condescending and habitually interrupted my wife who was attempting to ask questions and understand the situation related to our mortgage account. 

The female employee also alleged that our mortgage is " delinquent '' ( which it isn't ). The female employee 's assertion that our mortgage is " delinquent '' is either a misrepresentation on her part, or Mr. Cooper as a corporation misrepresented the terms of the forbearance related to COVID-19 relief. Either Mr. Cooper is at worst are deceptive about their COVID-19 relief, or at best they violated the Fair Debt Collection Practices Act by misrepresenting that our loan is " delinquent '' and calling to harass us multiple times a day.
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (MA)

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2017-09-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

I am a XXXX veteran and have been having problems with Navient since they took over my 3 student loans. For several years I was unemployeed and this company XXXX me around with payments, deferrements and made it very difficult to get the paperwork from them. They did not recognize by Dept of V.A. XXXX docs and treatment records from the V.A. hospital. They have charged more interest than should have been charged on my loans. 

Now I am making payments and have been for several years. Most recently, this company refunded my monthly payment for unknown reason. The payment amount exceeds the monthly minimum payment. They have marked my account past due even though I have prepaid and paid more than the minimum.
Consumer complaint received 2023-05-11
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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/block any accounts 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 accounts that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$920.00}. 

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 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX Bank of America closed my credit card account I have had with them since XXXX. I was not aware of this action until I attempted to verify I had a XXXX balance on Friday, XX/XX/XXXX. After learning my card was closed, I contacted Bank of America by telephone on XX/XX/XXXX. The representative assisting me was n't able to explain to me why the card was closed and stated that I would receive a letter explaining why my account was closed and that the letter was sent on XX/XX/XXXX. 

She then offered to submit a request to reopen my account, I gave her my permission to do so, she then stated the request was denied because those terms and conditions were no longer available. She then offered to take an application for a new card as " they likely had a product that better fit my needs. '' I declined. 

I received the letter stating my account was closed on XX/XX/XXXX. The letter states that my account was closed due to a recent view. The account was closed because of : inactivity on this account ; sufficient utilization of your available credit ; current or past delinquency with one or more of your creditors. 

I believe that Bank of America has acted in a discriminatory manner, a manner that acts against the best interest of XXXX customers. Over the last 15 years that I have been an card holder of Bank of America my credit score, utilization and delinquency with other creditors were not an issue until just now. Over the last year I have worked to increase my credit score over XXXX points, reduced my utilization rate from nearly 95 % to just 46 %. In addition I have had no late payments in the last 12 months. By Bank of America choosing to close my account will negatively impact both my credit score due to the length of time I have had the card and utilization rates due to the  reduction of available credit. If all of my credit card companies acted in the same manner as Bank of America has it would severely impact my ability to obtain credit and the ability to rebuild my credit going forward. 

The decision to close cards based on the criteria that Bank of America is great for them, but not good for the average consumer.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
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. (UT)

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 : XXXX, XXXX XXXX XXXX, XXXX  XXXX : XXXX, XXXX/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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted this dispute on XX/XX/23 " This company is reporting inaccurate information after many attempts to try to get this corrected the company has yet to respond to any of my information submitted to them. They are reporting inaccurate across all 3 bureas. Information needs to be removed from the credit report '' ... ... ... ..... 

I did receive a confirmation via my experian profile that this is under investigation .... 


Now I received a letter from this company asking for my w2 and additional information claiming they can not find my credit profile. 
They have clearly found my profile because I have received confirmation of the dispute. 


I believe this is a stall tactic from the credit bureaus to not look into this investigation this has take almost two months with no response and the company refuses to look into to do a investigation this is in violation of FCRA. 



I have uploaded the reporting again companies are recording innacuracies.
Consumer complaint received 2021-03-03
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. (NJ)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2021-03-03
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)

There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX XXXX  XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$5200.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Acct # XXXX Amt {$3500.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$20000.00} Opened XX/XX/XXXX
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (PA)

I submitted a dispute with XXXX XXXX through XXXX  for XXXX XXXX XXXX XXXX XXXX. This dispute was placed on XX/XX/2021. Its now XX/XX/2021 and have not received no communication. Shows dispute is still pending and has been over 30 days. Legally by law if dispute is not resolved in 30 days, this needs to be removed off of my report..
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (IA)

I was contacted by XXXX to collect a debt I already paid. Spoke to XXXX XXXX. She stated that a judgement against me. I called back spoke to XXXX XXXX he stated to fax my paperwork. XXXX then called me back to say there was no point. Don't call their office. Hung up on me. The phone number is XXXX XXXX