davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

Was sent a collection of date to verify within 30 days in XXXX of XXXX from Evergreen Professional. Sent letter out XXXX the week of XXXX - XXXX. to verify the debt. I had waited over 60 days to get letters from Evergreen Professional that it was valid of not and had not heard from them. Certified mail card that I wanted signed to get back to me was signed on XX/XX/XXXX by " A ''. 

By the over 60 date mark of not hearing back - I sent a letter that they must terminate the collection because it wasn't validated and included the estoppel by silenced and since no such proof existed- they had to delete all of the collection debt they requested in the first place. That was signed by " A '' once again on XX/XX/XXXX. They had 15 days ( calendar ) to do so. 

I haven't heard from them until they sent a letter basically requesting that they haven't heard from me and now assume the debt is valid and if I didn't respond by XX/XX/XXXX that they seek the legal representation route. I'm in the process of sending everything I sent them ( copies ) with the fact that I've reported them to CFPB, FTC and kept my documents just in case it goes further. 

I haven't seen anything from them saying its my debt, the bureau 's didn't even send anything towards me either and I have reached out many times to them to validate it. I even have notes on the debt that is getting reported that I'm seeking validation on the so called debt I owe.
Consumer complaint received 2022-03-28
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: AMERICAN HONDA FINANCE CORP (CA)

I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (WV)

I was enrolled in a settlement plan that would resolve 50 % of my debt if I made XXXX on time payments of set amounts. I have requested written documentation and documentation sent via email on XXXX separate occasions before closing. I was told that a letter verifying the settlement was sent on XXXX of those occasions and the letter was never received. I have confirmed my address multiple times and I'm still receiving bills from this company. I made my final settlement payment in early XXXX and they are still refusing to send me email confirmation of the account closing but have supposedly sent out another letter.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a complaint a month ago ( COMPLAINT ID # XXXX SUBMITTED ON XX/XX/XXXX ) ago regarding an issue I have been trying to resolve since XX/XX/XXXX. It is a very simple and very clear issue that Capital One is refusing to acknowledge their clear negligence in handling appropriately. Now I am receiving almost daily texts, emails and letters trying to collect the fee that is in dispute as well as late fees and interest charges ON TOP OF the fee in dispute. Meanwhile they are reporting me to the credit bureaus as delinquent on paying my account and have reduced my credit score from " Excellent '' to " Fair '' while they claim to be continuing to " review '' this case. This an obvious effort to intimidate and harass me into paying fees I have not incurred. Capital One needs to address this issue. It has been almost 5 months and they have had plenty of time.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-04-22
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. (NJ)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$500.00} Balance updated XX/XX/2022 Account number : XXXX In accordance with The Fair Credit Reporting act XXXX Account number # 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.

I demand this be taken off my report immediately!
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (LA)

On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to Comenity bank at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that Comenity Bank did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from Comenity Bank. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked.

I have a denial letter from Comenity bank telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from Comenity Bank showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since Comenity says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

Comentiy cites XXXX / XXXX Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that Comentiy Bank Uses and cites in their letter whom I have never heard of. XXXX XXXX indicated at the time I had no credit lock on file with them, Comenity indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / XXXX had no security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
Consumer complaint received 2022-04-22
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. (MD)

My mortgage was in forbearance since around XX/XX/XXXX through XX/XX/XXXX. During this time, XXXX XXXX XXXX ( XXXX ) reported my loan delinquent twice. I applied for credit in XX/XX/XXXX and was advised of the delinquencies were reported between XXXX and XX/XX/XXXX. I contacted XXXX over the phone and through their customer web portal to request the removal of the derogatory items. I was advised both times that they would look into the matter and resolve. Over the past month, there has been no further correspondence nor any updates to my credit report. I advised that under the CARES Act, they were not supposed to report my loan late, just in forbearance status.
Consumer complaint received 2022-04-22
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. (PA)

In accordance with the Fair Credit Report act XXXX Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-10-15
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. (FL)

This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2022-04-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (VA)

XX/XX/22 at XXXX XXXX EST I received a call from Capio partners for a medical debt of I believe {$200.00}. I informed her once again I am unemployed and is unable to pay or setup a payment arrangement right now. I also shared that I have XXXX children. She proceeded to offer me a lower price but I gave her the same response also including Im not seeking any medical treatment because I cant pay the bill. She then stated Let me pull up your credit report, I see your credit report and we have an account that we could have already sent to them but we didnt as of yet. I interrupted her in shock and stated no maam I do not give you nor the original debtor permission to release any of my health information, it violates my HIPAA rights. She stated that she will follow with me in a month or a few weeks. I reviewed my XXXX account and noticed that Capio reported it to the Credit Bureau on XX/XX/22, 3 days after the threat.
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have encountered a BILLING DISPUTE LEFT UNRESOLVED BY BANK OF AMERICA and they have said my account is delinquent and did a CHARGE OFF which will ultimately effect my credit. 
I opened up a billing dispute with Bank of America on XX/XX/XXXX and they sent me letters in XX/XX/XXXX ( two months later ) stating they required additional documentation for my dispute. With this regard, I contacted them to obtain more information regarding what they required and they were totally unresponsive when I called numerous times to send paperwork regarding my dispute. They had an hour or more hold times then their line would totally disconnect after having me hold for over an hour. I contacted their main line numerous times and they informed me that their has been several issues with the Disputes department and answering the phone line but they were unable to assist. Since then, I continued to try to get this resolved explaining to them that the items they are charging me for have been returned to the company XXXX ( another fraudulent company located outside of the United States ) and should have been issued as a credit. I have not gotten anywhere with XXXX or Bank of America and they have been less than helpful. Bank of America has now sent my account to the credit bureaus interfering with my high credit score. They are fraudulently charging me these fees and refuse to look in to the matter whatsoever. They can't just arbitrarily close my account when I haven't been issued my refunds for the merchandise returned. They have demonstrated terrible customer service and they need to be reported for their lack of attention to my matter and then making me pay for something that I do not owe. Effective XX/XX/XXXX, they have sent a charge off on my account even after I've explained that these charges are not accurate and I contacted them numerous times to no avail to get this matter resolved. They kindly let me know that they could care less and would not be assisting me in this matter. I'm totally appalled by their mistreatment and lack of customer service to an issue that could jeopardize my credit score.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I filed XXXX  XXXX Bankruptcy on XX/XX/2022. XXXX XXXX was notified on XX/XX/2022, see attached document. Equifax was notified of my Bankruptcy filing by my dispute on XX/XX/2022, see attached document. Equifax failed to update both of my XXXX XXXX accounts to the accurate balance of {$0.00}, XXXX  XXXX date of XXXX, no latest prior to filing chapter, no past due, no 22 times of 90 days late and further failed to report the accurate history of the account. The account number itself is inaccurate as this was not my XXXX XXXX credit card account number. This is a FCRA violation as well as a violation of the automatic stay provided by Bankruptcy. On XX/XX/2022 Equifax sent me a letter that my dispute was processed and the information of charged off Credit card account, balance of {$13000.00}, with 1- 30 day late, 1-60 day late and 22- 90 days late was accurate ( this is NOT ACCURATE ). This is FCRA VIOLATION as Equifax had a copy of my bankruptcy petition which included both XXXX XXXX accounts, the credit card account and the personal loan account. Equifax failed to conduct a reasonable investigation of my dispute! Equifax has continued to report inaccurate information for both of my XXXX XXXX accounts since XX/XX/2022 all the way up to and including today XX/XX/2022. Since Equifax failed to conduct a reasonable investigation and has continued to report inaccurate information since XX/XX/2022, the XXXX XXXX credit card account should be deleted from my Equifax credit file or at the least, Equifax must report accurate information in my credit file.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (KS)

Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (PA)

Home purchased in XX/XX/XXXX. Value re-assessed in beginning of XXXX causing additional tax statements to be collected. 
XXXXOn XX/XX/XXXX, I sent an email to XXXX ( per calling UWM ) requesting to pay additional XXXX  taxes due to tax assessment increase {$350.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX ( per calling UWM ) requesting to pay additional township and school district taxes- due to the assessment increase township- {$160.00} School- {$1400.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX requesting that i sent 2 emails requesting overdue taxes be paid- there is now a 10 % penalty. I called UWM ( united wholesale mortgage ) and this time they provided me the delinquenttaxes email to send statements to. 
-On XX/XX/XXXX, i called again since taxes were not paid. I was told to upload the documents to the UWM website secure message center- which i did. I was told they would escalate the situation and pay taxes. 
- I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX  that as of XX/XX/XXXX the unpaid taxes will be filed as claims in the XXXX XXXX dept of court records. I contacted XXXXXXXX XXXX XXXX on XXXX they stated that they sent a copy of the county tax request to XXXX XXXX Uwm 3rd party- who pays the taxes on XX/XX/XXXX, per their request. 
Current Amounts Due are : county- {$540.00} township- {$210.00} school- {$1800.00}
Consumer complaint received 2022-04-22
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. (VA)

XXXX XXXX XXXX XXXX XXXX  I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Rock Creek Capital, LLC (PA)

at the time XX/XX/XXXX. I was working with XXXX, and they sent us advertising emails about flexible lease " for example " you can return your vehicle as soon as 30 days after your first payment due date no question asked! " where we can rent a car ( weekly ) and return with no question asked. 
I have emails to proof that. 
the car rental was returned on XXXX at the time I rented the car from XXXX rent company. and after 5 years I get a mail that I owe around {$2500.00} for early termination lease, from a different company and a bad credit reporting without even a single communication for 5 years. 
please note that I was not the original leasee nor I did sign the original lease or even saw the original lease. 

dates of car pick up : XX/XX/XXXX date of return : XXXX XXXX XXXX : XXXX Rock Creek Capital, XXXX XXXX : {$2600.00} actions that were taken by you or the company. bad credit reporting
Consumer complaint received 2022-04-22
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. (MS)

Transunion provided credit score on my bank account webpage. When I pay a significant amount on my revolving credit card, my credit score drops. Has happened more than once. That appears to me as if the credit reporting company is working with the banking industry to drive consumers to increase and maintain their credit usage. Can you explain this situation? 

When an inquiry doesnt result in a new account, that shouldnt affect credit score. In my case, our company has a line of credit. At renewal, the do an inquiry on each member. That shouldnt impact my personal credit score. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

I received a bill from the medical revenue service, for a medical procedure I had on XX/XX/2021 at XXXX XXXX XXXX. 
They claim that they tried to contact me several times regarding the debt. I didn't receive any notice regarding this debt from XXXX XXXX XXXX. Not a bill in the mail, no email, and if they tried to call me they didn't leave a message. Instead it was sent to a debt collection agency which XXXX me off. Im gon na pay the bill because I received the service, but I dont like the way it was handled on their part.