davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I applied for Chapter XXXX in XX/XX/XXXX, completed my payments, and was reaffirmed and then discharged in XX/XX/XXXX with all arrears paid through the bankruptcy. ( attachment 1 ). I continued to make my mortgage payments through ACH debit to Bayview without issues until XX/XX/XXXX ; when they began rejecting my payments without explantion ( attachment 2 ).  My bankruptcy attorney attempted to assist me with resolving this however, Bayview refused to respond to his inquiries, recorded a Notice of Default,  and demanded the total amount due ( attachment 3 ). They have now recorded a Notice of Trustee Sale ( attachment D ) on my property and I am forced to consult a litigation attorney.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Transunion on XX/XX/2018 after receiving an email from XXXX XXXX about a hard inquiry on my credit report from XXXX. I notified Transunion that I had called XXXX support before contacting Transunion and XXXX had no record of an inquiry on my report. Instead of helping me and correcting their error Transunion said that I had to contact XXXX   for a letter of deletion. After calling XXXX for a second time, I was told that XXXX does not issue letters of deletion and instead told to come to this website, which does not issue letters of deletion from credit reports. 

It is also alarming that Transunion had records of everywhere I had lived yet on the hard inquiry for XXXX it listed my address as a place I had never lived. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Which is a hotel, not my place of residence. I have never even lived in that town or stayed at the hotel.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX and upon checking my credit report it shows XXXX XXXX on my transunion report 20 times as credit inquiries.. the problem is this I have a few accounts with XXXX XXXX   however these inquires that I see I did not authorize and I would like for transunion to remove these items from my credit file. 
XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I have sent several letters to LVNV Funding and sister company Resurgant Capital Service dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXrequesting validation that this is indeed my account. They have not responded to any of my letters sent Certified Mail, which I do have proof that they received it due to signatures. They have not provided me with any kind of validation bearing my handwritten signature or that I have any contract with them. I, therefore, request that this account be closed and removed from all 3 credit reporting agencies. I have given them an ample amount of time to verify this debt and they have not done so. If I do not get any kind of verification about this debt, I will proceed with a small claims action against their company up to {$5000.00}.
Consumer complaint received 2019-08-09
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. (NJ)

I send in a dispute request for all 3 credit bureaus ( XXXX, XXXX  & Transunion ) to update the XXXX  balance to {$0.00} or remove the account as the XXXX  sent me a 1099-C to pay taxes on the debt that was owed/ XXXX  verified the balance that issued in my 1099-C form on XX/XX/XXXXwhen the issued a cancellation of debt let to me back XX/XX/XXXX.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

For over a year now I have been making my payments on time, but for reasons unknown to me those payments would get sent back from Kohls to my bank account. Kohls hasnt been sending me any notices in regards to this issue and I dont find out until I try to make the next payment. At that point they send out a notice that I have late fees After I already spoke with them on the phone. And this happens every time. On XX/XX/XXXX I called and found out my bill due was over {$140.00}, I asked why and they told me late fees. I asked them to remove the fees because this on going issue isnt my fault. They were supposed to wave {$36.00} only and then I made a payment of {$110.00}. Today is XX/XX/XXXX and I went onto Kohls website and tried to make a purchase and I did not work so I called. It was then that I found out that my account was canceled my Kohls. I asked why and they told me late fees and that I could open another account. I asked to speak with a supervisor and have 10 minutes of asking I was finally transferred just to be told the same thing and that nothing can be done. This isnt right because every month I make my payments and neither my bank or Kohls will take any responsibility in the cause of my payments not going through. Its always a back and forth between my bank and Kohls and neither of them can find out the issue is. I honestly dont know what to do at this point besides report it to the CFPB please help me find a solution because I dont want this to mess with my credit when i have done nothing wrong. They should have informed me that they were closing my account when they were taking my payment information. Also I did not receive any notification about my account until Monday XX/XX/XXXX and there were two at once in the mail from a month and two months ago, they always send letters to cover themselves. The reason I so much in the first place is because they refuse to remove the late fees, on an issue thats their fault. Something should be done to find out why payments arent being received and theyre not doing that.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Michael Haynes & Associates, LLC (TN)

Recieved a phone call from XXXX XXXX who identified his self as an attorney for Michael Haynes and Associates LLC. XXXX XXXX stated that he is working with a company called XXXX XXXX XXXX to collect debt owed on a lawn mower. He advised he is in the process of filing court proceedings to repossess the mower and also to take me to court for a judgement of over XXXX. He told me I could pay him XXXX and keep the mower if I did so in 24 hours. I did my research by googling their name which says they are a law firm. However the location and phone number do not belong to their company. This business is NOT a law firm but falsely says so when you google their business. This is simply a debt collection agency that tricks people into thinking they are attorneys. I've asked them to stop calling but they refuse and keep calling from different phone numbers.
Consumer complaint received 2022-06-17
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. (TX)

Based on a factual dispute directly with XXXX XXXX, this account is reporting a 30 day late in XX/XX/2021 when they just verified that the account was late in XX/XX/2021. Within the FCRA guidelines all account information must be reported accurately or it must be removed from the credit report
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

Debt Collector - Phoenix I was alerted today by the XXXX XXXX app that my scored had dropped tremendously, over 35pts to be exact due to a medical collection for XXXX from XXXX XXXX XXXX XXXX that shows it was opened XX/XX/2021. There should be no medical bill issued under my name and further more i have not been contacted about any such debt. 

Please have this account removed from all the credit reporting agencies immediately!!!
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-03-21
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00}
Consumer complaint received 2018-11-08
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. (GA)

Victim of inquiries issues with Transunion Inquiries were removed but added back to credit report Contacted Transunion to resolve issues and they did not help with the negative negative inquires 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX   XX/XX/XXXX 7.XXXX XXXX  XX/XX/XXXX 8. XXXX   XX/XX/XXXX 9. XXXX/XXXX 10. XXXX XX/XX/XXXX 11.XXXX/XXXX   XX/XX/XXXX 12.XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I was informed by a family member that HRRG contacted them about a medical debt incurred by my son. According to them, they called for over a month and would leave messages. I did not live there and had not for over 2 years. The phone they called was not my phone number and had not been my phone for over 2 years. The date of service was for XX/XX/21, so 8 months ago. The company HRRG - Health Revenue Recovery Group, LLC contacted another person, not a relative, and divulged what it was for ( XXXX XXXX XXXX ), and said that they were going to sue them. The person they called went ahead and paid it, and then told me they had waited for a receipt in the mail to give to me. They told me that the person they spoke with at HRRG was a woman and he said I no longer lived there and asked if they contacted me at my home address. The collection agent then threatened to sue him and then divulged that it was for my son, for emergency room visit, the date, the hospital and other identifying information. 

I believe this is WRONG. At no time was any attempt made to contact me, to call me or by writing. I feel my personal privacy rights were violated. My information was properly given and the time of service. The Hospital had all of this and chose not to update their records and then turn it over to collections, despite the fact every other bill had been paid. Secondly, this emergency room visit was due to the fact my son was injured, at school and on school property during school hours. The entirety of his bill was guaranteed to be paid through the state insurance system. There was no reason for this to happen.
Consumer complaint received 2019-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (TN)

I was in the hospital multiple times ( 3 ) i was not a minor, My father said he would have my bills put on his insurance and he was there 2 of the 3 times i was at XXXX XXXX   XXXX XXXX in XXXX Tn. The first time he went there and gave them the insurance card to get this resolved before they billed me. I have recieved multiple letters and calls from them stating that i owe XXXX . My father keeps telling me he will get this fixed but i just recently got approved for a credit card to start building credit, as im only XXXX years old and i allready have 3 derogatory marks due to this. I do not want this to hurt me or my credit, especially because i just started trying to build my credit. The dates are XX/XX/2018 for XXXX   . XX/XX/2018 for XXXX  . And XX/XX/2018 for XXXX  . If you could help me this would be awesome.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America XXXX XXXX CMA # XXXX Last Friday, I noticed my online access to my XXXX XXXX account has been disabled, and I could not get into my account. After talking to a XXXX XXXX agent on the phone, he told me that the account is under review. They did not know why it is being reviewed and by what department, or why my online access has been disabled ... They just advised me to be patient, and that somebody will contact me regarding this account within the next 24 to 48 hours. I received no calls. So, after two days, again contacted the XXXX XXXX  agents on the phone, and this time, the agent told me the review might take a month or two ... and that there are no notes on the account explaining why the account is being reviewed, or what department has disabled my online banking, etc. I was just told that they also do not have access to this account other than the profile section, and that such an account exists ... I then politely said good bye and hung up the phone. 
I then called a few days later, talked to another agent on the phone, and after being told the same things over and over again, requested the account to be closed, and that they send me a check for the amount of {$13000.00} that is frozen on the account. He told me that he does not have the ability to close the account, but will submit a request, and if approved, a check will be mailed to my address at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IL, XXXX, USA. I have not yet heard back regarding this request, and I am out of {$13000.00} frozen in my XXXX XXXX account for no clear reason ... This is ridiculous, and hence, I am filing this complaint.
Consumer complaint received 2023-08-29
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NJ)

In my previous CPFB complaints ( case numbers XXXX ; XXXX ; XXXX ) referencing XXXX illegal refusal to perform a mutual offset or discharge on the XXXX XXXX ending in XXXX ; their XXXX check of my credit report ; and their retaliation for closing other accounts ( Home Depot, Macys ), I asked Citi to provide a copy of XXXX tax documents XXXX, XXXX, XXXX, and XXXX which prove that Citi is the fiduciary debtor. To date I have not received these tax documents. 

I also requested via certified mail and in the XXXX complaints mentioned Citis notice of dishonor from a qualified third party such as the US Treasury explaining why Citi refuses to perform a mutual offset or discharge. Citi must also state which federal laws prevent them from performing a mutual offset or discharge. In reference to the agreement Citi mentioned, I need the copy of the agreement which shows the wet ink signature of both parties sent to me via certified mail. Finally, Citi must explain why they kept the XXXX accounting document when they refused to do the mutual offset or discharge. At the present, Citi is already in default with dishonor and estopped from any and all future collection activity and negative reporting.
Consumer complaint received 2018-11-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased a car of the year from XXXX in XX/XX/2013. They were using Santander back then ( & they are no longer using them now due to Santander 's bad reputation ). I thought I was getting into a normal loan for 72 months ; the original loan was {$18000.00}. Between XX/XX/2013 thru current year, I have paid Santander a total {$18000.00}. I was shocked to see that during these years, Santander has applied {$14000.00} ( + ) towards interest & only {$4500.00} towards my principal balance. This is how they are robbing people!! They still want me to pay them {$14000.00} more. I've already over pay them & with my XXXX and medical bills, I cant afford to pay them another XXXX. The APR is almost at 17 %. I didn't this would be a balloon loan. I need some assistance & I want to fight this ; I'm not only doing this for myself, but for all those FL victims going thru the same. I tried to get XXXX XXXX news involved, but Santander was refusing to discuss my account with them. But Santander 's executive office from TX contact me & it was like I was speaking with customer service. They were not helpful & made a sarcastic remark that I should have know they were a high loan & ended the call with me that way ; sending me an email 10 minutes later stating my 'case ' as closed. This is why they just recently got sued for millions in both Massachusetts & Delaware. I received a few voicemails from them threatening to come to my residence, workplace, or look up my siblings through XXXX and contact them ( which they did ), if I dont respond & that if no payment is made in the next couple of weeks,  they will find me & repossess my vehicle. I really have no more money to pay them. I was just recently hospitalized & I'm still recovering and have rent and hospital bills to pay. I shouldn't have to pay them another dime. I want the title in my hand. Please help.