davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc. (CA)

I logged into my XXXX account and AWA Collections has flagged my account to attempt to collect {$200.00}. Letter below will be sent to them. 


AWA Collections XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : Be advised I am disputing this debt and collection. There was no signed financial responsibility form ever completed with XXXX XXXX XXXX. I would like to see documentation showing treatment rendered and my signature agreeing to charges and the charges listed. No statements/bills or attempts by the provider has ever been received. My insurance covered what was needed and that was agreed upon at time of service. 

Also, this is a HIPAA violation, and I will be reporting XXXX XXXX XXXX to the XXXX XXXX as I have a right to protect my privacy and medical and dental records from third parties. I do not recall giving any permission to XXXX XXXX XXXX for them to release my dental records to a third party. I am aware that HIPAA does allow for limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofold Validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and dental charges.

Provide a copy of my signature with the provider of service to release my dental information to you. 
Cease any credit bureau reporting until debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the Fair Debt Collection Practices Act ( FDCPA ). Please note that withholding the information you received from any medical and dental provider is an attempt to be HIPAA Compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware of my dispute with this debt.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had my account freeze. When ever I had not much funds they would penalize like XXXX dollars when it was put back almost immediately. Not recent I lost my card and I call to see if they can assist me with trying to get my money that was used and they did not believe me and I have stop using their service. My account remains open because is use to get my refund taxes and other payments. I for one have had the experience to deal with rude employers in total loss I would agree that tru out the years I been with them around XXXX that's on fees that sometimes I would get charge for not using the card. I never actually like the service I have a chase account currently.
Consumer complaint received 2022-12-26
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. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been disputing XXXX XXXX on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under the FCRA section 605b, the XXXX XXXX XXXX are required by law to remove any fraudulent accounts and information completely from my XXXX XXXX. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

We receive daily calls on our second, message-only, land line from XXXX XXXX XXXX. They call from multiple numbers ( so blocking doesn't work ) and don't leave any message. XXXX their caller ID name informs us that they are a debt collector. ( We do not have any debts and our credit score is excellent. ) We consider these calls harassment and want them to stop.
Consumer complaint received 2022-11-12
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. (OH)

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected XXXX 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 # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls XXXX has reasonable call to believe that the information is inaccurate
Consumer complaint received 2022-12-26
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)

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.

Account name : XXXX  XXXX, Account # : XXXX Account name : # XXXX XXXXXXXX XXXX Account # : XXXX Account name : # XXXX XXXX XXXX XXXX, Account # : 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 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-13
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. (NJ)

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 act 15 u.a.c 1681 ) 1 ( fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (TX)

This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over XXXX charge - offs which is against FTC regulations to report. 

1. XXXX XXXX XXXX {$7600.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. BARCLAYS BANK DELAWARE {$0.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$1000.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-02-13
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. (KS)

I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from XXXX XXXX.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX  {$430.00} bal. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

The following items are incorrect and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

Im trying to settle my loans for a lesser amount as they are now being handled by a collection agency called pioneer credit recovery services ( pcr ) I was told by a representative there that they were refusing to send my offer to the original creditor assendium even after i sent 2 emails requesting them to do so one of the emails included the financial statement they requested I was also told by the rep that they are garnishing me so they will just get all the money that way to which I felt threatened and forced to try to get copies of personal records and send it in to them. Im in a serious financial crisis and am trying to clear this up to the best of my ability without my family and I loosing everything but this PCR company is making it nearly impossible I have offered to pay XXXX as a settlement in full and would like and need them to except this as this is all I have to give
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2022-12-26
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. (IA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-26
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XX/XX/XXXX as I was ending the XXXX financials and opening the financial files for XXXX I noticed a mistake on my existing mortgage with Dovenmuehle Mortgage Inc. The loan was originated XX/XX/XXXX with XXXX XXXX XXXX, sold prior to closing to XXXX XXXX. XXXX XXXX serviced it until XXXX, XXXX when Dovenmuehle took over the loan. For various reasons it was not detected that when Dovenmuehle took over the principal balance was increased by {$47000.00} and the interest rate was raised from 4.5 % to 4.99 %. I contacted Dovenmuehle on XX/XX/XXXX. I was placed on hold for almost an hour and then the customer representative, XXXX told me I would have to send all documents to the Research department. I requested to speak with someone who might be able to expedite the resolution to the issue which is clearly their responsibility. My request was refused. I did send all documentation. Note, Deed of Trust, XXXX XXXX 's first and last statement and Dovenmuehle 's first and last statement. I then called again on XXXX and was placed on hold for 30 minutes and spoke with another representative who asked me to resend all the documentation. I told him a had a email reply that they had received my first email. He asked me to resend which I did immediately. I did tell him if I did not receive some form of communication within 24 hours that I would be filing a formal complaint. Which brings us to this.
Consumer complaint received 2022-12-26
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

My wife and I have an issue with Citizens Bank Mortgage. Our total payment went up by over {$100.00} due to increased escrow requirements. We have automatic payments set up from our bank. We did not update the automatic payment settings in time and a bill payment check was sent to Citizens Bank. We realized the shortage and called their service center to make a phone payment so we would not be short on the payment or delinquent due to a short payment. They refused to take a partial payment over the phone. They told us we needed to wait for the bank check to post as a short payment. Then we can call them to make another payment. But if it is short we get a fee.

It may be late as well if we don't get the timing right. I worked as a loan officer and for a financial institution processing company for years. I know that a partial payment can be taken and should be posted as directed by the payor if it is in excess of a payment. If less, then it can be posted as defined in the disclosure. I am fine with that process. However, to not even allow the partial payment so that the consumer risks late or insufficient payment fees is not a consumer friendly policy. This is the type of activity that caused the whole CARD act in the first place. 

All we wanted was to make a simple payment to avoid fees. Citizens evidently wants us to get every fee possible and confuse consumers. I just feel fortunate that I understand what really should occur and how to address the issue with the appropriate authorities. BTW the managing service rep agreed that the process was an issue and had other customers complain about Citizens not taking partial payments and applying them to the amount due. 

I asked what would happen if I sent 3 checks on different days. She said they would hold them in suspense until there was enough to make the full payment due. Or sometimes they return the checks. I find that last one completely unlikely but then again it would add fees and interest for the bank. 

Just need to know that consumers have some right to do the right thing without having to jump through hoops and then hope they might get it right.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX  is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.