davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (NV)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : SEQUOIA FINANCIAL SERVICES To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw an incorrectly reporting trade line for an account from SEQUOIA FINANCIAL SERVICES for XXXX XXXX XXXX  for {$1800.00}. The account status shows seriously past due and it should not say that as this debt is not owed. 

I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by SEQUOIA FINANCIAL SERVICES is a VIOLATION of the HIPAA Act of 1996. SEQUOIA FINANCIAL SERVICES did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX  providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against SEQUOIA FINANCIAL SERVICES as well as XXXX XXXX XXXX  should this item not be deleted within 10 business days and until the debt has been validated and verified. SEQUOIA FINANCIAL SERVICES is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against SEQUOIA FINANCIAL SERVICES, XXXX XXXX OUTPATIENT, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from SEQUOIA FINANCIAL SERVICES expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Consumer complaint received 2023-02-10
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: LEXISNEXIS (KY)

When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

Hi, I initiated a {$20000.00} wire transfer from my Wells Fargo checking account on XX/XX/21 to XXXX Bank in Arizona. The wire transfer is for the escrow funds I'm putting down on a new house. I did this using the Wells Fargo application on my phone. 
The {$20000.00} was removed from my checking account on XX/XX/21. Unfortunately, XXXX Bank never received the funds and I no longer have the funds in my checking account. 

I have called Wells Fargo at least XXXX times over the last XXXX weeks and I have visited my local branch twice to get help. I have initiated a claim with Wells Fargo and I have been told that Wells Fargo would contact me within XXXX days with an update. The XXXX days has come and gone and I have not been contacted. 

I have reached out to the recipients of the funds at XXXX XXXX XXXX and they think the funds may be held up by XXXX due to a word I used in the memo of the wire transfer. 

I can't get any clarity from Wells Fargo and I can't get clarity from XXXX Bank and I am trying to get my $ XXXX back. Please Help. THANK YOU
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

I looked at my credit report and seen BMW FIN SVC had reported 60 days late on my credit report which is misleading false information. They reported negative and defaming information beginning XX/XX/2016 on my credit report. I sent a letter to the company to update those late payements and i didnt get no reply back. They never supplied sufficient information to me in order to validate the late payment. I do not agree with their actions. I have challenged the accuracy and integrity of the information, because they are reporting different things across all three credit bureaus. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Consumer complaint received 2022-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (PA)

I spoke with Sallie Mae at the end of XX/XX/XXXX to discuss options for my private loan payments that I was continuously receiving emails for. I spoke with a customer service agent about these emails and explained to him that I was not sure why I was getting these emails as I was told in the past that my loans were not to be initially paid until XX/XX/XXXX. During this conversation, I was told by this agent that my loans were in fact NOT starting payments until XX/XX/XXXX and to just ignore the emails that I was receiving. I asked him to verify this information for me over 3 times before the call ended so that I could understand it correctly. I continued to ignore the emails as I was told and they continued to show me that I owed {$0.00}. At the end of XX/XX/XXXX, I then received an email stating that my loan payment was late and that I owed over {$1500.00}. I explained this situation to a new agent and was told that there is nothing they can do and that the other agent gave me false information. If I was told the correct information in XX/XX/XXXX when I called about the emails initially, I would've been able to refinance immediately. I am now stated to owe over {$1700.00} to them by the end of this month and was informed that I was already forwarded to collections after only XXXX missed payments. I have since refinanced, but I am waiting for that loan to close. I also contacted them informing them about this refinance and my ideation of returning to school. I asked them to make note of this so that my next payment was not considered late as I was either going to be returning to school, which would indicate another deferment, or refinancing my loans. During this call, I was hung up on approximately 3 times after being on hold for XXXX hours and half way through telling them my information. This agent was extremely rude and refused to help me. I was then charged another late fee after calling for XXXX week straight, XXXX, without any answer from any agent. I stayed on hold for approximately XXXX hours each day and received no response. I then went to XXXX to direct message them as their chat within the app did not connect me with an agent. I was told to contact them by phone once again, with no response.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (FL)

Spring Oaks Capital LLC is reporting fraudulent inaccurate information on my credit report. Ive requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. Also spring Oaks Capital LLC company isnt authorized or have a license to conduct business or collect debt in the state of Florida.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (MS)

Experian furnished this account to my credit report without my permission and without my knowledge. This account XXXX XXXX  Acct # XXXX was a banking account I had with the corporation XXXX XXXX. The account went into overdraft for X amount of days. I never gave XXXX XXXX my permission to furnish my banking information onto my credit report. How did Experian obtained this information. I did not give Experian permission to furnish my banking information onto my credit report. Experian has violated my consumer rights by violating my privacy and has stolen my identity. I disputed this information before and as of XX/XX/2022 this information remains on my credit report. Experian is in violation of 1681 ( a ), 1681 ( a ) ( 4 ), and 1681b ( 2 ) of the FCRA. Experian is also in violation of 15 U.S Code 1681q.
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent letters to XXXX, XXXX, and TransUnion about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-01-22
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. (NE)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. IT'S ILLEGAL TO REPORT THESE LATE PAYMENTS ON MY CREDIT PROFILE.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (NV)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX for my auto loan account. 

I want you to know that I understand my financial obligations, and if it werent for COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made effort to ensure I contact you all about any financial assistance when needed. Since XX/XX/XXXX, Ive had a spotless record of on-time payments. 

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX. It would also help if you removed the late payments from XXXX and XX/XX/XXXX as well. 

While Im well aware that your purpose is to report late payments, I am also aware that you are under no obligation to report any of these late payments to the credit bureaus. 

That being said, your full cooperation in deleting the late payments is appreciated. 

Thank you for your consideration, and I hope youll approve my request.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

We have been with Bank of america mortgage for 15 or more years and have never been late with a house payment.In XXXX of XXXX my husband passed away and I lost all income except Social Security.In XXXX of XXXX i applied for a modification loan with Bank of America.They had me make three trial payments of {$650.00} on XXXX, XXXX and XXXX which was {$100.00} less than the normal payment and told me several times and even had it in the paper work that I could not make anything but that amount.I called them several times to ask about the payments that I was still receiving with the old amount and they assured me that it would all fall into place after the three months were up.After the new loan amount went thru they put 3 late payments on my credit report for XXXX, XXXX and XXXX which has affected my credit report very much.I have disputed it thru XXXX and XXXX with no results and was told by a manger with Bank of America that they were not changing it.Of course this is effecting me trying to find cheaper insurance or anything else.I really need some help with this.
Consumer complaint received 2021-08-30
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. (FL)

I suspect that I am a victim of identity theft because there are names and addresses that are reporting on my credit report that do not belong to me. I notified the credit bureau 's on XX/XX/2021 but when I checked a new copy of my credit report the names and addresses continue to report despite sending each bureau a copy of my identity theft affidavit. 

I requested the following names to be removed : XXXX XXXX I requested the following addresses to be removed : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My current information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc. (TN)

Ireceived mail from FRANKLIN COLLECTION SERVICES, INC saying I owed a alleged debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. XXXX XXXX XXXX VIOLATED Title 15 USC 1692c ( b ) prohibits communication with any one except consumer XXXX XXXX XXXX VIOLATED Title 15 USC 1681a ( 4 ) right to privacy Evidence of Violations is included with this complaint ( Exhibt A )
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (NV)

In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the XXXX credit reporting agencies ( Experian, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (NV)

In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, Equifax, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

Sincerely, XXXX XXXX