davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, Transunion, and XXXX continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

Suntrust recently merged with XXXX to create Truist. During this merger, they deactivated current debit cards for new debit cards. I was never sent a new debit card. I have no access to my account. I was also locked out of online banking for two days XXXX XXXX. My debit card has been deactivated since XX/XX/XXXX. They have not sent a new card, and I can not access my funds. 

The wait time to speak to someone on the phone is over an hour. This is terrible business. They should not have deactivated any debit cards until they had actually shipped out new cards. I have zero access to my account.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
Consumer complaint received 2022-02-25
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: Allied Collection Services, Inc. (Nevada) (NV)

On XX/XX/XXXX I sent a HIPAA letter to XXXX at their address via certified mail. I never received notification of this debt and asked the company to provide me validation of the debt by sending a copy of the contract that I supposedly have with them, my actual signature, and by requesting documentation of how they calculated what I supposedly owed to them. On XX/XX/XXXX I received a letter stating the debt was verified by the creditor with an amount owed and nothing more. As a protected consumer, I have a right to know the information requested for validation. I provided the company the appropriate amount of time and have not received sufficient validation.
Consumer complaint received 2021-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

I sent them a affidavit of truth, violation according to fdca. And other documents. Also Ms XXXX XXXX XXXX of XXXX XXXX XXXX contact me about a debt but say they wasnt a debt collector who is affiliated with Flagstar. I advice them of the FDCPA violation, But they still proceeded. And they never responded to the affidavit of truth.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

We purchase a ring in XXXX XXXX for the amount of XXXX last XXXX XXXX. The sale representative offered the 3 years no interest. We signed up and we've been paying monthly on the amount that they bill us. XX/XX/XXXX we know were done but we received a bill for XX/XX/XXXX ( this month ), which we know we should be done paying. I check my bill online theres still remaining balance of XXXX and they added finance charge of XXXX on XX/XX/XXXX and another finance charge of XXXX on XX/XX/XXXX. I called the customer service of Comenity, spoke to XXXX and Supervisor XXXX, explained that we were in agreement to pay the full amount for 3 years. But they told me were we just paying the minimum amount thats why we still have remaining balance. I told them I didnt know that it was just the minimum, I told them we just go by what they bill us monthly since its autopay. No one told us that was just the minimum payment and XXXX XXXX XXXX are all closed.
Consumer complaint received 2020-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting  the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please delete/remove the following unverified accounts CREDENCE RESOURCE MANAGEMENT # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXS # XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I have been one to always stay on top of my debts. I have an auto loan with Nissan that I have never been late on. I paid my account via phone during the month of XXXX, when I called I was advised that I had fallen 30 days late. I stated to Nissan that I was aware that my payment was made on the XXXX day. However, I was told that since the payment would n't post until the next business day I was in fact 30 days late. I explained to the rep, I even spoke to two supervisors who advised me that there was nothing that I can do. I explained that I was a XXXX Vet and that I was juggling two households because I take care of my father under XXXX. I even wrote them a letter pleading my case. That I did n't intend to fall behind, I just let the date get beyond me. This is affecting my credit and my employment because I need a security clearance to perform my job. I am in jeopardy of loosing my job if I do n't get this late pay removed from my credit.
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/2017 Original Creditor Capital One Bank collection agency XXXX XXXX. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX  and yet the account remains on my credit file. With the latest news of Capital One data breach this further backs my complaint. Please advise this collection account be removed immediately.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (OR)

I was shocked to discover that the interest being charged was more than the actual medical bill it self! When my initial debt went to collections I asked this company via their rep XXXX, " how is it legal for you to charge so much interest on medical debt? ". XXXX told me that their collection practices were legal and that I should contact my state to change the law! 
I am not disputing an actual copay due the medical provider. I AM DISPUTING THE INTEREST THIS COMPANY IS CHARGING. It is my understanding that excessive interest can not be charged for medical bills. A {$440.00} bill has turned in to {$770.00} due to Bonneville Collections ' exorbitant interest charges. 
If I am already under water due to medical challenges with their attendant copays how in the world can I be expected to pay such absurd gauging interest? 
I WANT THE INTEREST CHARGES REMOVED AND THIS DEBT COLLECTOR STOPPED. THIS IS IMMORAL AND SUPPOSEDLY ILLEGAL IN OREGON!
Consumer complaint received 2016-01-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (NY)

I opened a XXXX account and when I tried to use it I discovered it was closed! 
The culprit : Early Warning Systems ( EWS ), the banking industry 's own credit reporting agency. I requested and receive " my '' credit report from them and discovered not only XXXX or XXXX bogus accounts BUT there is no way to contact these banks on these accounts directly. FISHY? Of course! All of these were posted under my social but are all/almost all belonging to XXXX different people. The only way to clear my erroneous record is to submit to EWS a detailed letter on each of the individual accounts. 
XXXX all provide the creditors contact info. EWS refuses to reveal these details. Surely this is to protect their own fraudulent practices. My bank record is CLEAN yet I will never have a XXXX account.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (MD)

Back in XXXX or XXXX I submitted letters to first premier, XXXX XXXX and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the identity theft Bureau and now along with you guys.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRADULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 2019-05-25
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)

I am disturbed that XXXX, TRANSUNION and XXXX to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that  are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and  send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX Account # : Account Description : Account Rating : Account Status : Account Type : Balance Owed : Closed Date : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : Dispute Status : High Balance : Last Payment : Last Verified : Past Due Amount : Payment Amount : Payment Frequency : Payment Status : Term Length : Loan Type : TransUnion XXXX Individual CollectionOrCharge Off Closed Revolving {$0.00} -- XXXX DISPUTE RESOLVED REPORTED BY XXXX Banking XXXX XXXX XXXX NNN {$580.00} -- -- -- -- -- XXXX XXXX XXXX -- -- -- {$0.00} -- -- -- -- -- XXXX XXXX XXXX
Consumer complaint received 2021-03-10
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 — Investigation took more than 30 days
Company: U.S. BANCORP (FL)

I have a RV Loan with US Bank that was initially in XXXX. In XXXX, US Bank offered its clients the option to participate in a COVID-19 deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, US Bank was unable to process a payment in XXXX, XXXX. US Bank indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. US Bank did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, US Bank did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. US Bank indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact US Bank during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Consumer complaint received 2015-09-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

The collection agency is attempting to collect for XXXX XXXX XXXX. They are " balance billing '' after XXXX XXXX XXXX agreed and accepted payment in full from my insurance company for services. they have also contated my plae of emplymen and disclosed my debt to my coworkers who came to me and informed me that they did not think that was legal or right.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

Equifax has a freeze or alert on my file and they will not remove it. I have tried multiple times to get this removed and they have yet to do so. I need this removed so I can view what they have on my credit.
Consumer complaint received 2022-02-25
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (IL)

I received a letter from Navient stating that if I signed up for their student loan rehabilitation program and completed it, they would REMOVE the account from my credit report. I started the program in XXXX and completed in XXXX of XXXX. The loan was sold and transferred to another servicer. XXXX. I have since been making my monthly payments. 

Navient did not REMOVE this account and it's still reporting with negative information. This reporting is completely inaccurate AND should no longer be there according to the student loan rehabilitation program.This is deceptive and they should remove this as promised. This is hendering my credit score.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Syncapay, Inc (FL)

I received a digital prepaid VISA card with a loaded amount of {$50.00} on XX/XX/2021 through a site called prepaiddigitalsolutions.com. When I attempted to use the balance of the card ( {$23.00} ) the other day, payment would not go through. After going back to the site to inquire about the account details, a message popped up stating " the card you are attempting to access has expired and pass the eligibility period for access or replacement. '' I contacted support and was advised that the card is no longer eligible to replace, however there was still an unused balance that was left on the card. I believe the money has been stolen from me without my consent.
Consumer complaint received 2021-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/XXXX of XXXX I received a letter from XXXX XXXX 's clinic in XXXX, NJ that I owed a debt for getting blood testing done at her clinic. However, I have never seen her. She is affiliated with the hospital I work for, but does not directly work for them. What we realized was that her ACTUAL patient was misidentified as me ( the clinic thinks our date of birth or last names were similar ). The clinic has access to my hospital 's central database, called XXXX, which is how she was able to access my account. My employee profile was mistakenly put as the patient 's. I actually get my blood reporting done for free through the hospital lab, as part of my mandatory yearly health screening, so I would have no need to go to a completely different clinic, pay a copay, and have it sent to a random testing company when I could do it for free while at work. 

The blood testing was sent to XXXX XXXX. While it is unfortunate the doctor 's office never resolved the issue with XXXX, I don't see why I am being asked to pay another patient 's debt. It was clearly another person 's blood being tested, not mine. 

I communicated this with XXXX on XX/XX/XXXX, when they sent me a billing notice. I called to rectify the issue, and Quest told me I had to tell them who the actual patient was since it was not me, but I told them that was impossible as it violated HIPAA. But the doctor 's office also could not tell them who it was as the patient was long gone and they didn't actually know who it was ( the clinic has no paperwork actually signed by the patient, they just took the insurance cards and IDs from my account ). XXXX  told me they would call the doctor 's office to confirm. That was the last I heard from them. 

XXXX Credit Collection Services in XXXX, MA contacted me. They claimed I owed this debt, even though I had communicated the issue to everyone involved. I asked them to prove it was me, and they could not, they just sent a bill claiming I had to pay {$170.00} for the blood testing. As a third-party company, they are not allowed to see private medical records as that would violate HIPAA. That is why they have no evidence as to who the actual patient is, they aren't allowed to have it. And that is why I know for a fact they have no reason to accuse me of having this debt. 

I went well beyond what I even should have done, as it's Dr. XXXX 's clinic that is at fault for not even doing the bare minimum in verifying who their patient was. I would Credit Collection Services to immediately remove my name from this debt.