davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting 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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AVANTE (MI)

A debt from the original creditor " XXXX XXXX '' appeared on my credit report but was disputed and removed in XXXX. A letter came in the mail less than a month ago and I have sent a debt validation letter to them. Instead of sending me information to verify the debt, they decided to add this debt to my credit report. I have no knowledge of this debt and have had no other communication other than a collection agency on behalf of " XXXX XXXX XXXX '' letter that was received on XX/XX/XXXX. I have been in touch with my insurance carrier XXXX XXXX XXXX XXXX XXXX about a similar bill from another doctor which has been rectified by the carrier due to the doctor 's negligence and fraudulent billing. 

This is all stemming from an emergency XXXX  in XXXX, XXXX. I went into the XXXX  for extreme pain and was found in emergency XXXX to have a XXXX that was gangrenous and necrotic. The attending physician did not properly fix the issue which caused me to fill up with 4 liters of bile and I went into multi-system organ failure. I was in the ICU for 5 days and nearly XXXX  4 times. I had to have a repeat procedure to correct this doctor 's mistake by another doctor and was still in the fight for my life. Instead of billing my insurance, they sent that bill to collections in retaliation because I tried to sue them for medical malpractice. I was told by XXXX different lawyers that I could not sue because I did not actually XXXX  and to just appreciate life. Instead of being able to do that, I have to deal with medical bills because not only can these doctors not perform a simple XXXX correctly, they are incompetent with simple billing procedures. The XXXX  had all the correct information. The doctors chose not to bill properly and I am having to relive a traumatic ordeal over and over just to get this rectified. I am the victim here and I am continually being victimized.
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (SC)

On XX/XX/2019 I received a letter from SunTrust Bank stating that I needed to provide evidence of flood insurance for my condo. On XX/XX/2019 I uploaded to the SunTrust secure website evidence of flood insurance provided through the XXXX XXXX XXXX XXXX  per the instructions provided in the letter I received. On XX/XX/2019 I received a 2nd letter stating they had not received evidence of flood insurance for the condo and that they were going to force place flood insurance. I called the SunTrust insurance departmeny on XX/XX/2019 and the representative acknowledged they had received the evidence of flood insurance and he was going to escalate the issue. On XX/XX/2019 a {$4900.00} flood insurance policy was forced placed on my condo and my escrow account was charged the premium. On XX/XX/2019 I contacted the Suntrust insurance department and they again acknowledge they had received evidence of flood insurance on my condo and they were escalating the issue and to check back in 3 business days. On XX/XX/XXXX I contacted them again and they said they would contact me back with an update. As of today, XX/XX/XXXX, I have not been contacted and the issue has not been resolved.
Consumer complaint received 2022-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

My old company XXXX XXXX had all of my correct information my married name, current address, correct email and phone number my loans were to be transferred the end of XXXX to a new loan servicer NelNet. However once it was transferred all of my information was transferred incorrectly. NelNet had my maiden name, and the remaining information ( address, email and phone number ) was all of my parents information. I ended up needing to call to get my last name corrected and needing to send in more information for them to update my last name though it was correct on my old loan servicer. I also needed to update my address, email and phone number which was also done during the same call.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service (MD)

Account opened XX/XX/2017, current outstanding balance {$5900.00}. This account was opened without my consent and Ive mentioned this to the company a few times. I believe someone deliberately obtained my information and used it to obtain the card for purchases.
Consumer complaint received 2022-03-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (CA)

Alleged payday loan that I took out at an undisclosed date. XXXX XXXX is the alleged debt collection agency that " CHECKINTOCASH '' ( https : //checkintocash.com/ ) sold my account to.

When I look up their phone number online, it comes up as a reported payday loan scam. There is also nothing on XXXX that comes up about XXXX XXXX. 

They have a 10 year old address on file and did not call ME, but my old roommate. And left a voicemail saying they were going to garnish wages. I asked to please have formal mail correspondence sent to my current address for review and they refused and offered to email it to me only. They are rude and cut me off and don't let me ask questions, just how I wanted to resolve the debt. 

I do not trust that this is a legitimate debt. I called Checkin To Cash and they have no records of this. It is also not on any of my 3 credit reports.

Please help me validate the scam.

Thank you
Consumer complaint received 2023-09-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I am writing to dispute this debt. The law says I must do so in writing. However, the letter from Transworld Systems does not include the address for XXXX XXXX XXXX, the contact listed in their letter. There's only a phone number. Would you kindly provide an address so that I can write to your contact? 

In response to said letter : Transworld systems did not provide verification of the debt. As the debt collector, Transworld Systems should only pursue debts they can verify. XXXX, the original creditor is in possession of documents and records of conversations between myself and their corporate offices : XXXX XXXX, XXXX XXXX and their billing department that proves I do not owe this debt. 

This debt can not be verified if Transworld Systems does not request from XXXX, and XXXX produces a full disclosure of all documents and communications pertaining to this debt they claim I owe. I am asking Transworld Systems to kindly request all said documents and communications from XXXX. 

As I stated in my original complaint through CFPB, XXXX sold me faulty equipment, refused to correct the problem for months. During these months, I did not receive the Internet service I was paying for. When XXXX finally fixed the issue, they then " upgraded '' my service without my informed consent. This shady business act led to an increase in my bill. I do not owe this debt and in fact, XXXX owes me for services I paid for, but did not receive due to their faulty equipment. 

Continuing to pursue this debt without obtaining full disclosure from XXXX of all the documents and communications related to this debt would be an unfair assumption without all the facts, and would not constitute verification of this debt. 

Additionally : I kindly ask that In the pursuit of this debt, Transworld Systems contact me only in writing and at the address submitted through CFPB.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir/ Madam, My hardship began after moving back to states in XX/XX/XXXX with our XXXX children and husband. My husband was employed overseas for almost decade but faced health issues upon arrival to the states. I was not working for 10 years ( raising our children and supporting my husband ) and with my husband not being able to find work related to his field and having XXXX XXXX- I secured a job to make sure that we had control of our finances. Up until moving to the states, my husband income was enough where we were able to pay our mortgage, and 6 credit cards on time. From the time that I started working I able to continue maintenance of all our debt. Its was not until XXXX of XXXX that my company started laying off their employees. I survived the many waives of reduction in force- however there was a reduction in loan volume and ultimately a reduction in the bonus and commission. My income had significantly reduced and It started to become really difficult juggling all our debt in a timely fashion and still put food on the table while keeping our lights on. I reached out to my credit card companies and explained my situation. I had 3 accounts with XXXX and after a few calls they quickly worked out a plan where they reduced my interest to 0 % for 5 years and a low payment plan to be paid automatically. I called up my mortgage company and they paused my mortgage because my hardship was COVID related. I had no success with Bank of America.
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (GA)

This is an attempt to correct my EQUIFAX and XXXX  credit reports. On XX/XX/2019 I identified a fraudulent and unrecognizable account on my credit report that had been opened without my consent. Please block listed account below : XXXX PERSONAL LOANS I am requesting the account to be removed permanently from my credit reports. This account is fraudulent, unverifiable, and violates my consumer rights.
Consumer complaint received 2022-05-06
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

In XXXX of XXXX  I gave a large deposit down on three appliances I was ordering using this credit card, the XXXX  XXXX credit card. I also purchased one of the appliances outright with a credit I was given by the store for a range that broke down during warranty. I was led to believe, at first, that the range would be in within a reasonable amount time, although I know there was a delay. It turns out that to this day, I never received the range. Also at the time, the salesman charged me {$450.00} for an extended warranty on the range which didnt ' really make sense since he had no idea when the range was going to come in. Why charge a customer upfront for a warranty? Id didn't have enough on my store credit for the range plus a warranty of this amount, so the warranty ended up on my XXXX XXXX credit card. I never should have allowed him to do this. I spoke with a supervisor several times after about this. He is aware. They kept telling me that the range was coming in and to hold off and it never did. The supervisor let me to believe he would remove the warranty fee and then never did. He is now ignoring me and refusing to return my phone calls. Is this some kind of joke? A huge store like this? Are they kidding me? Why would I pay almost {$500.00} for a warranty on an appliance I never received. I protested this on my credit card back in the fall and I lost the protest as the store fought it as a valid charge! I protested it again and I this time asked for the protest to be removed because the supervisor told me the range was coming in soon. It never did! This is a joke at this point. Now I am protesting it again and I have no idea if this bank is going to remove the charge.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (WY)

XXXX & XXXX at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX Account ( that goes by ) : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX has constantly published incorrect data on my personal consumer credit report in error. I have made experian the company that is reporting false information aware of the problem and they keep changing the information around as long as it has some negative connotation. I have several copies of my experian report ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) over the last few years where the company has posted so many different variation of similar information. In my last letter to experian Ive requested that they send me a description of the procedure used in the reinvestigation, as far as I know they should complete my request within 15 days. Would the CFPB please insure that the consumer reporting company experian send me that explanation defining the procedure used in a timely manner. It was sent certified mail " XXXX XXXX XXXX XXXX XXXX '', on XX/XX/XXXX.
Consumer complaint received 2015-12-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DE)

I made a payment agreement with XXXX which are the debt collectors for Navient Student Loan. I made a settlement amount of {$4200.00} to completely pay off my student loan that they currently hold from XXXX XXXX. This agreement was made in XXXX XXXX. XXXX XXXX would deduct eleven payments of {$150.00} starting from XXXX XXXX from my banking account and then XXXX final payment of {$2500.00} on XXXX XXXX. I made all of the eleven payments for {$150.00}. I then spoke to XXXX about the final payment stating that I could n't make it in XXXX but instead in XXXX XXXX. XXXX called navient to make sure that this would be okay by getting me an extension till XXXX XXXX to satisfy the settlement. Navient agreed to this and gave the extension. I made the final payment on XXXX XXXX, XXXX for {$2500.00}. I then called Navient three or four day 's letter. They instructed me that my payment has been received from XXXX XXXX and my agreement has been fulfilled. I then asked when could I receive my settlement letter and when would this be reported to the three credit bureau agency 's XXXX. Navient stated that I would have to wait 30 days so the payment is verified. I said okay. I called back 30 days later and a representative from Navient stated that their policy has changed a week ago and that I have to wait 45 days. I argued with them and they said that there is nothing I could do except to provide proof that the funds have cleared. I stated no when they have had the funds for over 30 days now. I asked to speak to a supervisor they said okay and then I was hung up on. This happened all three times that I called back. I called back 17 days later asking for my settlement letter. I was told that my account was delinquent and that not all funds have been paid. I called XXXX as they stated that that was incorrect and that all information was sent over including the funds to Navient on XXXX XXXX, XXXX stating that my account was paid in full for the settlement amount. I called back Navient and they stated that they would open an investigation and to call back after 3-5 business days. They also stated that if this matter has been clarified and my account settled that it would not be reported to the credit agency agencies for 60-90 days. The supervisor informed that this is Navients policy
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (PA)

I have been trying to get 1 ) POA authorized signer access to my XXXX  XXXX mother 's Truist checking account and 2 ) removal of my deceased father as a joint owner to the same Truist checking account since XX/XX/XXXX. My mother can not handle her financial affairs on her own, and is at severe risk of overdraft and fraud unless she has a competent POA acting on her behalf. The Truist branch representatives have been consistently courteous, professional, and apologetic to me, but the bottom line is I must be able to protect my mother. 

Key dates and what happened when : 1. XX/XX/XXXX : visited Truist branch in XXXX XXXX, Maryland. Told to come back to any branch after the XXXX  ' XXXX XXXX. 

2. XX/XX/XXXX : made an appointment online with another Truist branch. Received XXXX electronic confirmations of appointment. 

3. XX/XX/XXXX : called Truist branch to confirm our appointment over the phone. Told to go to another branch because no banker is available in spite of the scheduled appointment. Scrambled to get a walk-in at another branch nearby. 

4. XX/XX/XXXX approx XXXX : worked with the XXXX XXXX branch ( XXXX XXXX XXXX and original death certificate in hand ) for several hours. Ultimately the back office did nothing, as far as I can tell, to remove my deceased father from the account, nor to add me as POA. Branch rep very courteous and apologetic told me I would get contacted by Truist with next steps. 

XXXX. XX/XX/XXXX thru XX/XX/XXXX followed up with the XXXX XXXX branch every few business days. Some calls were not returned. Escalated to branch manager. 

XXXX. XX/XX/XXXX branch manager contacted me very courteous and apologetic- said back office would process deceased accountholder removal on XX/XX/XXXX and then POA on XX/XX/XXXX. 

XXXX. XX/XX/XXXX I have no follow up information. So I can't access my mother 's account. Meanwhile, she's in a lot of financial danger. I'd like to be nice about this, but it's a financial safety issue.