davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt. 

Furthermore, I formally dispute the validity of this debt. Please provide me with documentation that supports why you believe this debt belongs to me, and why you believe I owe this {$100.00} amount. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc. 

You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.
Consumer complaint received 2021-03-14
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. (MA)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. collection XXXX  Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I opened CFPB XXXX to complain company did not send my annual consumer disclosure as requested. 

Company 's response makes zero sense. I did not dispute any items on my report BECAUSE I DO NOT HAVE THE REPORT. 

Send me a copy of my annual consumer disclosure as requested.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check for {$110000.00} on XX/XX/2021 and they put a hold on the entire amount until XX/XX/2021, causing me undue hardship as I will be evicted and become XXXX for lack of payment to my landlord. Federal regulations dictate that they need to release XXXX dollars within one business day and then XXXX dollars within 2 business days if they are going to hold it for an extended period of time. Also both banks are within federal reserve district 12 and as such I thought that they needed to allow me to have access to more of that money at least to write checks not necessarily to withdraw cash and theyre not even allowing me to do that
Consumer complaint received 2020-03-26
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: ENCORE CAPITAL GROUP INC. (SC)

this account has been removed from credit report several times and  they keep reselling it .its coming up brand new and its affecting me from buying a house. its call Midland credit management account # XXXX {$2500.00} the original creditor was XXXX XXXX XXXX  ac # XXXX it was remove several times and this account was open over 2 year ago..I want statements of proof of date open or remove completely
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Boeing Employee 's Credit Union ( BECU ) mortgages are serviced by a third party. I have received 3 letters in the last two weeks that are criss-crossing. The mortgage servicer 's are not local and it appears to take about 2 weeks for a letter to reach it's destination. The local BECU office can not help me. On advice of BECU I closed a checking account and opened a new one because of fraud. My mortgage wasn't switched over and no one explained to me that BECU does not work with the mortgage servicer nor do they have the ability to see anything about my mortgage. I was not told that it was incumbent on me to do anything. I had one {$25.00} NSF fee returned already and I am demanding that the 2nd NSF fee be returned as well. I called on XX/XX/XXXX ( the same day I received the XX/XX/XXXX letter ) and made a mortgage payment by phone. No one said anything about a letter being mailed on XX/XX/XXXX and a second NSF charge. I usually pay 1/2 my mortgage every two weeks. Now I have made two full mortgage payments on XXXX and XX/XX/10. The XX/XX/XXXX letter I received today, XX/XX/XXXX, say my next payment is due XX/XX/XXXX. 

The mortgage servicer 's service is abysmal. Menu navigation is long and hold times are ridiculous ( 30-50 minutes ). Their hours are not printed on the letters and after going through a very long menu I was told they were closed with no comment about when they would be open. If I do not get the {$50.00} NSF fee returned I will be submitting another complaint. Fortunately I can afford 3 mortgage payments in one month but I'm sure it would be a struggle for most people. I had paperwork I needed to return to initiate the automatic withdrawals again. After 5 attempts at faxing and the number being busy ever time I sent the paperwork via next day mail ( another XXXX fee ).
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, 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. 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 15-days 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 2022-12-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (GA)

Applied to purchase a XXXX XXXX CD from XXXX XXXX. The application was declined with no reason. Contacted bank. Spoke with a person named XXXX who indicated she was the final authority on all questions and complaints. She indicated the bank does not have to disclose why they refuse to sell a CD. I feel as though I was discriminated against due to my age ( retired ).
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the late payments and collection were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, SYNCHRONY FINANCIAL/ PAYPAL has reduced my credit limit from {$6100.00} to {$1500.00} without my consent nor request. I am the consumer and natural person who initiated the credit sale pursuant to 15 USC 1601 Truth In Lending Act. 

Fact, Pursuant to 15 USC 1601 ( p ), The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Fact, reduction of my credit limit provides me no benefit and is a violation.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

The mortgage servicing company, XXXX XXXX or LakeviewLoan Servicing LLC is fraudulently reporting to all credit reporting agencies that there were 120 days of late mortgage payment in 2020, for our former residence in XXXX which is false. 

XXXX XXXX XXXX, as they state is a nationally recognized in full-service sub-servicing to the mortgage industry. They claim to be the XXXX largest servicer in the country. 

The XXXX  Mortgage was held and serviced by Lakeviewloan servicing inc. which is the arm of loan servicing, for XXXX XXXX. 

After numerous attempts to contact both Lakeviewloan servicing and XXXX XXXX have been unable too resolve this major issue so that the records may be corrected. and removed from all credit reports. 

Unfortunately both companies have structured themselves to redirect all incoming calls to recorded message 's that will only attempt to redirect those calls away from a real customer person that can not be reached by phone.. As a direct result of their action we have been denied credit, significantly harmed solely based upon this disputed information being reported to all credit agencies. 

Only after we have been trying to refinance our current mortgage here in XXXX  have we learned to the false information and have XXXX  and have been solely upon the basis of those disputed mortgage payment 's being late within 2020.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Flagship Financial Group (PA)

As a long standing member I have had pleasure being part of your organization, Ive admired your care and customer service throughout the years. With that in mind it was quite disturbing receiving the egregious customer service from your representative XXXX as it relates to my account and payments. As an essential workers my days are filled working and leaves little to no time for my personal affairs. Nevertheless, I believe the customer service I received is not in brand for your company and was quite frankly disrespectful. I hope there can be an amicable resolution and look forward to your response. I would like a verbal/written apology and XXXX reprimanded for me and all the other consumer he has violated in the past.
Consumer complaint received 2022-11-06
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account below, 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 Collections : Account Number : beginning in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  Reported incorrectly as Charge off, this was paid on time and in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : XXXX XXXX Credit Card XXXX XXXX XXXX XXXX Bank/Peeble XXXX XXXX : XXXX Credit limit : XXXX Reporter : Experian Not my debt please remove Inquires : XXXX Experian XXXX XXXX : Type : Bankruptcy Court : XXXX XXXX Date filed XX/XX/XXXX Experian
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

I recently disputed a medical account with this company to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX  and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 3 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 3 months and never to be responded to
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Sold an item on Paypal in person, Buyer paid in full using Paypal account and release funding immediately because of in-person sale, Paypal is holding funding and refusing to release funds for 21 days I've contacted them over the phone over 5 days ago that stated they would release funds but still on hold. I've called them today which their system says they are open on weekends till XXXX XXXX, but the call is disconnected saying call back Monday-Friday when they message saying hours of operation also on Saturday and Sunday.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I received this offer from one of my store credit cards. This at a very trying time for consumers across the county because of the Pandemic and when personal interest rates are at close to an all-time low. They are making an offer that is going to trap people in exorbitant fees that need to be regulated in a much better way. 27 percent penalty is way beyond reasonable for any bank. 

-- -- -- -- -- -- -- - The offer -- -- -- -- -- - At a time when consumers are carefully considering their spending and how they manage credit, promotional financing offers from Synchrony Bank may make more sense than ever. We wanted to let you know about special financing promotions that may be offered on your Lowe 's Advantage Card account. From time to time, you may be offered one of the following promotions when you make a qualifying purchase : No Interest if Paid in Full Within 6, 12, 18 or 24 Months. 

For the promotion ( s ) described above, if the promotional balance ( which includes the promotional purchase amount and related optional debt cancellation charges ) is not paid in full within the promotional period, interest will be imposed from the date of purchase at the APR that applies to new purchases made on your Account when the promotional purchase is made, which as of XX/XX/2021, is the APR of 26.99 %. 

Minimum monthly payments are required. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval, may not be available at all times for all purchases and can not be combined with other credit-related promotional offers. This is only a summary of key terms. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered and keep this notice for your records. 

We look forward to continuing to service your Lowe 's Advantage Card account. 

Thank you for your business. 

Synchrony Bank
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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
Consumer complaint received 2021-03-13
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. (GA)

Section 1681i states : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. It goes on to state in part 2 of the same section ... ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

XXXX DID NOT CONTACT THE SOURCE to investigate this item, XXXX DID NOT notify the source of a dispute regarding the item, and XXXX did NOT mark the item as in dispute on my credit report. 

I have sent several letters with the last ones being notarized and sent them certified ; however, they fail to prove current, true, correct, complete, or metro 2 compliant. I do have tracking numbers if needed.
Consumer complaint received 2020-06-10
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. (NY)

I am not a third party or a company, I am a victim of identity theft please attached Driver License and my passport, my social security card I lost a few years back.