davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello First Financial Resources , Inc . 
, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2017-02-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I used to have a Bank of America credit card. I missed payments on it consecutively for 4 months. I have n't got a notification from a bank or anything during this period. The amount I owed to the bank was less than {$20.00} bucks. It was a $ XXXX limit card. I thought I cleared it all and did not bother to check it or open my account. I have a saving account with the bank and checking account too ( combined account with my husband ). So whenever I check I opened using my husband 's online account. My credit card does not show up in his account. My credit score used to be around {XXXX}. With this Incident it dropped back to {XXXX}. For the sake of {$20.00} bucks. I tried taking to the bank with no use and my credit score is still affected after I paid the {$20.00} back to the bank.
Consumer complaint received 2015-11-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc. (WA)

9 months after closing my loan I get a XXXX package. They need me to re do my loan, because them and FHA do n't agree on the appraisal and FHA wo n't finalize the XXXX, so they can resell it to a XXXX party. They expect my payment to go up, me to pay additional closing costs, and for me to get no credit for the last 9 months of payments. I get no phone call, no letter, just a package in the mail and no instructions.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have requested my escrow account t be analyzed again as my property had been fully accessed for value and taxes after being built as a new home. I submitted a copy of my homeowners insurance and the tax bill from the XXXX XXXX XXXX showing yearly amount. NFCU has said that is not accurate and out a stop and hold on any further escrow analysis until XX/XX/2021. This is not accurate as Im overpaying substantially. The escrow amount should be {$280.00} per month and not {$400.00}.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with XXXX and Transunion ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX AND XXXX IMMEDIATELY DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.
Consumer complaint received 2020-12-24
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. (PA)

This is my third attempt disputing with XXXX, XXXX and Experian. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2020-12-24
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: EQUIFAX, INC. (PA)

This is my third attempt disputing with Equifax, XXXX and XXXX. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2020-12-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (AL)

Dear CFPB, It is troubling to have to send this email after repeated calls to multiple offices, including the hospital, collections and the insurance company to correct this issue. On today, XX/XX/XXXX, I received an XXXX  report alert that Credit Control Corporation had added a delinquent account to my report. The bill has XXXX XXXX  XXXX XXXX as the creditor ( EDP # : XXXX ). 

This collections misinformation has caused my credit to plummet by over 100 points in the midst of me closing on a house on XX/XX/XXXX. I need this to be removed from my credit immediately, because XXXX previously told me in XX/XX/XXXX that they were going to write off the debt, because it wasnt my fault that the bill was sent to the insurance company after their agreed date. 

Please see the attached bills that I received from XXXX XXXX XXXX  XXXX XXXX for my son, XXXX XXXX XXXX, on XX/XX/XXXX XXXX date of service ). The first bill was from XXXX XXXX XXXX XXXX, XXXX in the amount of {$970.00} ( Account Number : XXXX ). XXXX XXXX XXXX XXXX informed me that they received the bill on XX/XX/XXXX, issued and mailed a check on XX/XX/XXXX and XXXX cashed the check in XX/XX/XXXX. 

We relocated at the end of XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX, another bill arrived from XXXX. This was for {$1100.00} XXXX Account # XXXX XXXX ). I called XXXX to inform them that the bill had already been paid. They told me this was a different bill from the hospital and the one that had been paid was for the provider who cared for my son. By name having worked closely with medical billing when XXXX had XXXX XXXX XXXX a few years ago, I was aware of the processes with the insurance company, because they informed me of the number of days a bill must be submitted within. XXXX asked for XXXX to send evidence that they had submitted this subsequent bill. 

I am very disappointed that it is the holidays and my over XXXX credit score is now diminished with this error beyond my control. It is unfathomable that this puts my home purchase for me and my family in jeopardy of not happening. I need this to be resolved as soon as possible. 


Sincerely, XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

I had an auto account with Santander from XXXX, which became delinquent. The car was repossessed and sold to satisfy the debt. Since that time, Santander has provided inaccurate information about this account to the credit reporting agencies. In particular, the date of first delinquency and they have listed 25 charge offs for 1 account. This has significantly impacted my credit score. I have disputed with Santander on multiple occasions. In addition, I have disputed with the credit bureaus and Santander has verified this inaccurate information.
Consumer complaint received 2020-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

Equifax has reported two Bankruptcies on my credit report that are dismissed. I have filed a dispute on several occasions stating that dismissed Bankruptcies no longer exist in the eyes of the law, according to the Fair Credit Reporting Act so they must be deleted. In section 1681c, the FCRA mentions nothing about keeping dismissed Bankruptcy information on ones credit report. This has caused me extreme hardship because Equifax has no right to maintain information which the government has deemed nonexistent. If they don't comply, I will be forced to litigate without fail. The Bankruptcies that need to be deleted are dated, XX/XX/XXXX  and XXXX XXXX, XXXX.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

At XXXX XXXX XXXX. XX/XX/25 I made a XXXX XXXX ATM transaction at XXXX convenience store in XXXX, PA. I was momentarily distracted looking at the lottery machine next to ATM after making transaction. I did not retrieve my money right away and the ATM took my money back inside the machine and the door closed. I attempted to use my card again, but ATM stated communication error and I was denied access. I immediately contacted the store clerk XXXX XXXX was her name ) informed her and she said there was nothing she could do and I should contact bank and that she would put an out of order sign on ATM machine ( which I did not physically see her do, because I left store to travel to XXXX XXXX  ). I drove up the street to XXXX XXXX  and the teller informed me there was nothing they could do and informed me to contact my bank to resolve the issue. I then contacted my bank and was informed a complaint could not be filed because of the transactions pending status. Once out of pending status I then completed a claim with my bank. I can not understand why a security feature of an ATM is not posted to inform individuals that their funds can be retracted, and furthermore can not understand why my bank has denied me my funds. Please help. Thank you.
Consumer complaint received 2023-05-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (GA)

On XX/XX/, Santander denied me a car loan and violated my ECOA and Tila rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  Santander Consumer USA Inc . 
Consumer Relations Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Adverse Action Notice under the Equal Credit Opportunity Act ( ECOA ) and the Truth in Lending Act ( TILA ) Dear Sir/Madam, I am writing to express my deep concern regarding the recent denial of my pre-approval for a car loan with Santander, as communicated to me in writing on [ date ]. As a diligent consumer, I am fully aware of my rights under the Equal Credit Opportunity Act ( ECOA ), USC Title 15 Chapter 41, and the Truth in Lending Act ( TILA ). It is my belief that Santander 's denial of my loan application constitutes a violation of these federal statutes.

Under the provisions of ECOA, lenders are prohibited from discriminating against any applicant based on their race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. TILA, on the other hand, mandates that lenders provide consumers with specific disclosures and explanations regarding credit decisions. 

In light of the above, I am requesting that Santander provide me with an adverse action notice as required by both ECOA and TILA. This notice should clearly state the following information : 1. The specific reasons for the denial of my loan application, including the factors that adversely influenced Santander 's decision. 2. The credit scoring model used by Santander, if applicable, along with the information sources used in generating the credit score.
3. Contact information for the credit reporting agency that supplied the credit report used in evaluating my loan application.

4. A copy of the credit report upon which Santander based its decision, as per my right to request such information under the Fair Credit Reporting Act ( FCRA ).

5. A statement informing me of my right to obtain a free credit report from the aforementioned credit reporting agency within 60 days. 

I would also like to remind Santander of its responsibility to comply with the provisions set forth by these statutes. Failure to provide me with the requested adverse action notice within the specified timeframe may compel me to pursue further legal actions to protect my rights as a consumer. 

I kindly request that Santander promptly addresses this matter to ensure compliance with the law. I expect your full cooperation and look forward to receiving the requested adverse action notice within 30 days of your receipt of this letter.

Please consider this letter as a formal request for the adverse action notice, and kindly acknowledge receipt of this correspondence. You may reach me at XXXX if you require any additional information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-07
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

These accounts were XXXX opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

Im disputing the validity of Lowes account # XXXX item being incorrectly reported to the major credit bureaus. Based upon your CFPB response letter provided on XX/XX/2020 you claim a Balance of {$5200.00} was charge off as a loss on XX/XX/2020. A recent copy of the provided XX/XX/2020 credit report shows your reported balance of {$4800.00}. This is my second attempt to remove this negative item from my credit report due to your failure to correctly report accurate and valid information. 

XX/XX/2020 Dated copy of Credit Report showing failure to properly report balance XX/XX/2020 CFPB Lowes response letter proof of incorrect balance reported I am requesting that this item be removed from all credit reporting bureaus immediately.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Thrive National Corporation (VA)

I have something on my credit report from National Fitness. I have contacted the number listed by the BBB and by XXXX and the number is not in service ; their website is not a working number anymore, either. I have no way to request Debt Validation from this company and would like this information removed my credit report, due to false pretenses.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX is fraudulently reporting an installment account to my credit report and this is a violation of FDCPA. I have never requested a loan or credit, nor am I liable for any debt to XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX, or any factoring company.
Consumer complaint received 2020-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX,2020 I sent a certified letter to Midland Fund requesting to validate the debt in the amount of {$1200.00}, the letter was received XXXX XXXX, 2020, I received no response I sent a second letter requesting validation again on XXXX XXXX,2020 and it was received XXXX XXXX, 2020. I received two letters from Midland on XX/XX/2020 and XX/XX/2020 ... still with no proof or validating the debt but only stall statics.
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC (CA)

This collection agency XXXX XXXX XXXX has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from LOAN ME. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by LOANME, XXXX XXXX XXXX nor XXXX XXXX XXXX as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the XXXX XXXX XXXX that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( LOANME ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with LOANME.
Consumer complaint received 2015-12-01
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Credit Collections U.S.A., L.L.C. (WV)

Hello, I was contacted by CREDIT COLLECTIONS U.S.A. ( XXXX ) due to an unpaid bill from one of the clients they represent XXXX ). 
I do not have a signed contract with XXXX XXXX XXXX. 
They abusively performed dental services that I did not request and were not beneficial in any way to me. 
I contacted CREDIT COLLECTIONS U.S.A. and show them the contract that XXXX XXXX XXXX made me signed was improper photo copied contract and that was unreadable because the left edge of the contract was missing and a good part of the words were missing. 
CREDIT COLLECTIONS U.S.A. still wants to represent then and still wants me to pay the amount although I have no contract with XXXX XXXX XXXX. 

Please contact me if you have any further questions, XXXX XXXXXXXXXXXX