davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

For over a year ARS has wasted my time and money as well as negatively impacted my credit on purpose on debt that I have NOT claimed. They have yet to validate the debts within the allotted 30 days and even upon receiving it was NOT a validation ; instead it was a typed " verification ''. The second validation request was ignored completely. This " verification '' also has my name incorrectly on 3 of the 5 alleged debts. I am XXXX XXXX XXXX XXXX. Maybe it is my fathers debt? Maybe some random stranger. Without validation I have no way of knowing. I have been given the wrong account balance multiple times due to, amongst other things, " XXXX '' and " clicking the wrong box ''. Their automated system actually says that I owe the {$0.00} for all accounts. They have also already lost a dispute from the credit bureaus for Taking a payment for a single account ( heavily documented ) and purposely spreading the payment across multiple accounts unfairly and HIGHLY against FDCPA. Due to their shady practices with the singular payment, they impacted my credit report by hitting it with five accounts for no reason. After " fixing '' it, it caused the accounts to be removed from credit report and re-added ; FURTHER damaging my credit report for no reason. I have been hung up on over 13 times in the last month alone for mentioning their FDCPA violations. I have been transferred to a " supervisor '' line 17 times, left 17 messages, and received ZERO response. I have been told by representatives that they were going to direct message the " supervisors '' and that they will get a hold of me as soon as possible. ZERO response. I am a XXXX veteran that has service connected XXXX XXXX problems that require me to record my phone calls. I let everyone that I speak with know that I do this because of mild to moderate short term memory issues. I have been hung up on with the following statement, " what you're saying doesn't allow you to record '', click, hung up on. Twice actually. I am currently in the process of logging complaints and disputes with all credit bureaus, the Oklahoma Attorney Generals Office, CFPB, FTC, and the BBB in multiple locations. I have kept very detailed notes, recordings, screenshots, logs of phone calls, and logs of violations. I have access to all of this and would be more than happy to share if needed.
Consumer complaint received 2021-04-17
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-30
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (CA)

I had received a notice letter of XX/XX/XXXX from Franklin Collection Service , Inc., Case Number XXXX concerning XXXX XXXX XXXX XXXX XXXX account stating a balance of {$82.00}. 
On XX/XX/XXXX, I had replied and disputed the alleged debt collection letter, because it doesnt exist, I had provided a copy of my proof of evidence that I dont owe any balance and ask had Franklin Collection Service , Inc., to stop this collection tactics. 
On XX/XX/XXXX, I had received another demand letter from Franklin Collection Service , Inc., this time their client XXXX XXXX XXXX  using a different address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 
Lastly, on XX/XX/XXXX, I had filed a complaint to CFPB on the same matter, same creditor ( XXXX XXXX XXXX ), but different collection agency called XXXX XXXX XXXX, XXXX, they had finally STOP collection tactics after I had filed my CFPB Complaint Number XXXX. 
I have all my proof and evidence that I dont OWE any balance on my XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX account.
Consumer complaint received 2021-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AR)

FedLoan servicing has miscalculated my payments. I only have 55 eligible payments for forgiveness when I should have at least 64, if not 76. I turned in my annual certification for my employment on XX/XX/XXXX and it has not yet been processed. That is over 60 days ago and this is not acceptable. Payments after my grace period are not counted. I should only have 24 additional months not counted due to deferment. This company has failed numerous times to communicate with me on these accounts. When I submitted a request regarding missing payments, I was told that it was because of deferment. I used my deferment periods in XX/XX/XXXX-XX/XX/XXXX. My grace period ended in XX/XX/XXXX. Payments from XX/XX/XXXX-XX/XX/XXXX are not being counted. Please investigate this. This is not the first time I've filed a complaint on this servicer.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (RI)

On XX/XX/XXXX I opened a checking account on Chase Bank in XXXX XXXX XXXX  XXXX in XXXX Rhode Island. Aproximatedly one week later I received the ATM card. When I tried to pay with the Debit card it didn't go through and at the ATM machine I got a Restricted funds message. I received a letter from the bank saying that I needed to verify the Social Security Number. On XX/XX/XXXX in the morning I went to Chase Bank and completed the Social Security verification process and was told that I would have access to the money on that afternoon after 3 PM. However, today on the XXXX of XXXX XXXX XXXXays after I still don't have access to the funds deposited. But also yesterday I check my account on the Internet and there is no balance. Also the retirement appears as a Debit Check Charge when I have not have access to my account. I wrote to the Branch Manager and he said the they had to take the money out what I find very irregular to do that without my consent, however he told me they would be available today and they weren't, the account balance is still XXXX dollars as evidence by the photo attached. It has been more than two weeks that i opened the account and deposited all the money I had, I am a student and depend on that money for my needs and I can't still access my mone. This is abusive.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

After reading notes, please see cases in XXXX & XXXX County, XXXX and XXXX, XXXX to tie to cases pertaining to XXXX XXXX XXXX as a plaintiff on both Federal and State level as well as a classmember on housing cases ; with specification of cases against XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX of XXXX, and the fact that the stolen property known as XXXX XXXX XXXX XXXX, XXXX XXXX and those funds collected by XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX XXXX Virginia from XXXX XXXX XXXX XXXX, perhaps any participating Federal agency may have aided in the illegal conduct of these individuals and/or the conduct of XXXX XXXX, who is currently being held at the XXXX XXXX Regional Jail. 

I would also like to address the fact that XXXX XXXX specifically went on social media and discussed with his viewers how the court forced me ( XXXX XXXX XXXX ) into taking charges that they knew I did not commit ; by finding me guilty and forcing me to stay in court and allowing XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX Sheriff 's Office go without consequences for their misconduct. Meanwhile, the legal system and specifically the XXXX Judicial Circuit Judges and leaders such as delegates, etc. were all fully aware of the drug and prostitution ring that was going to be funded from the illegal sale of property address XXXX XXXX XXXX XXXX, XXXX XXXX by XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX- XXXX , XXXX XXXX aand the known conduct Of XXXX XXXX under the business of XXXX XXXX XXXX XXXX XXXX . This has interfered with my healthcare, employment, etc.
Consumer complaint received 2023-03-31
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

Lexis Nexis Risk Management Solutions has an email address listed for me on their Person Search feature that does not belong to me. 

This address is associated with an ID theft issue from several years ago and is a know scam address. 

I have asked them several times to remove this address but they refuse to take it off my file and it is now causing me issues since the address is associated with Spam and illegal activities. 

They are causing me harm by refusing to remove the address. 

The address is XXXX I have never used that address and it should not be listed as belonging to me
Consumer complaint received 2021-06-24
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. (AZ)

I have disputed multiple times a collections account that is not mine. I have requested Experian to provide how they confirmed this was my debt. They have yet to send me any proof of debt. 

Account Number : XXXX Company : XXXX XXXX CO XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a small business owner. I was using XXXX as my credit card processor. Late last year I decided to use a different credit card processor because their fees were too high. After I cancelled their service XXXX withdrew {$570.00} on XX/XX/XXXX and {$490.00} on XX/XX/XXXX from my business checking account at Bank of America by ACH. The reason for these withdrawals were never explained to me and I believe they are fraudulent. I tried to contact XXXX by phone and email many times but they did not answer any of my calls or emails. They never responded back to my inquiry about these withdrawals. I contacted Bank of America about these withdrawals sometime in mid XX/XX/XXXX. They told me they would open an investigation and will contact XXXX. Several weeks passed by during which I called Bank of America several times to find out if there was any progress in the investigation. Every time I called Bank of America told me that they are waiting to hear back from XXXX and that XXXX has not replied to their inquiry. In XX/XX/XXXX when I called Bank of America what the status of the investigation was, I was told the investigation has been closed with no action taken since they never heard back from XXXX. I believe XXXX fraudulently withdrew {$1000.00} from my bank account illegally and Bank of America failed to rectify the complaint I filed with Bank of America in regards to XXXX.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (FL)

EQUIFAX FAILED TO VERIFY ALLEGED COLLECTION ACCOUNTS FOR 100 % ACCURACY. THE FOLLOWING ALLEGED ACCOUNTS IS REPORTED INACCURATELY. 

ACCOUNT # XXXX COLLECTION {$1000.00} ACCOUNT # XXXX MEDICAL COLLECTION {$110.00}
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I called  Automobile Acceptance bec ause I am trying to fix my previous mistakes from 5 years ago. I am in the process of getting a financial license that requires me to explain past financial mistakes. It requires me to show proof that a debt has been paid, proof that a payment plan has been established and t hat 3 current pay ments have been made, or prove the debt is not mine and dispute with creditor and credit agency. I called  Automobile Acceptance aft er 5 years of not dealing with them. The account shows as a repossession, which it was, and I have not received a call or a piece of mail since the repossession. I have had the same phone number the entire time, since   XXXX  . I called them to discuss a payment arrangement and was offered an arrangement of 60 % of the balance for {$120.00} a month, or 50 % of balance for {$150.00} a month. I asked if there was anyway to do a weekly arrangement of {$40.00} a week so I can show that I have m ade 3 payme nts to the GA  Dept of Banking and Finance so I can proceed with my life and future employment endeavors. I was the n accused of wanting to pay jus t 3 payments an d then not pay them again. I never once said that. They said that they could not offer weekly arrangements. I was then sent to a supervisor ...  XXXX , the  Legal Manager. After much back and forth, she put me on hold and said I could pay {$50.00} a week, but it   would be on the entire balance of {$4600.00}.     They have not attempted to contact me for 5 years. I contacted them to try to take care of the deficiency balance. I never even received a letter stating the remaining balance after the sale of the vehicle. I want to work something out with this company, but it just reminded me as to why I regretted buying the vehicle in the first place. They prey on people in need and over price their cars and then charge you a ridiculous interest rate on top of the overpriced car. Its my fault that I did it, but I am trying to take care of it.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/21 I reviewed my Business checking account with Bank of America, and saw that my account had insufficient funds. On XX/XX/21 I checked my account again using online banking and found that there were 4 overdraft fees applied to my account for transactions that were submitted while my account was in the negative. I do not have overdraft protection, and never opted in to overdraft protection. The bank never received an affirmative consent from me regarding utilizing this service. 

I called ( XXXX ) XXXX to have the fees waived. I spoke to 2 different agents that told me they could not remove the fees. I was transferred to a supervisor name XXXX to ask him to remove the fees since I did not opt-in to overdraft protection. He refused to remove the fees, he stated that the bank paid 4 transaction as a courtesy although there were insufficient funds in the account to cover the charges. He also stated that there was an overdraft fee applied to each transaction that the bank decided to pay although the account did not have the funds to cover the transaction. And that they would not remove the overdraft fees. This is in blatant violation of Section 1005.17 ( b ) ( 1 ) and ( 4 ) that explicitly states if the bank choses to pay a transaction while an account has insufficient funds, they are prohibited from charging an overdraft fee for that transaction if they do not have affirmative consent from the consumer. 

I explained to XXXX that it was against the law for them to charge me 4 overdraft fees amounting in {$140.00} since I did not opt-in to overdraft protection. He still refused to waive the fees.
Consumer complaint received 2021-06-24
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. (NY)

I've contacted Transunion multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request. 
In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 
1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 8. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 9. XXXX ( Inquiry Date : XX/XX/2020 ) 10. XXXX ( Inquiry Date : XX/XX/2020 ) 11. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 12. XXXX XXXX XXXX These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CERTIFIED COLLECTORS, INC. (TX)

CCI continues to use illegal actions to collect fraudulent 'debt '. Most recently, CCI sent another letter dated " XXXX XXXX '', whenever that is ..., threatening me again with damaging my credit score for {$2600.00} on account XXXX. This is what I am assuming is a combination of 2 different illegal attempts previously from CCI to steal money from me. One for {$180.00} and a different one for {$2400.00}. 
The illegal attempt to steal {$2400.00} from me was disputed in writing on XX/XX/XXXX. CCI has yet to respond to this dispute, and well outside of their required 30 days, with verification of the debt or any further communication until this new threatening letter I received in XX/XX/XXXX that may or may not be related ( there's no details within the letter to know what the value they are trying to steal is related to, I can only make assumptions ). 
The illegal attempt to steal {$180.00} from me was first disputed in writing on XX/XX/XXXX. CCI responded to this dispute with another copy of the bill ( that doesn't even indicate what products or services the bill is charging me for ) on XXXX XXXX ( again, well after their required 30 days ) that did not provide verification of the debt or even remotely address the dispute. I sent a second dispute letter to CCI on XX/XX/XXXX providing overly clear description of the dispute and explanation of why the debt was invalid and illegal. CCI has yet to respond to this dispute, and well outside of their required 30 days, with verification of the debt or any further communication until this new threatening letter I received in XX/XX/XXXX that may or may not be related ( there's no details within the letter to know what the value they are trying to steal is related to, I can only make assumptions ).