davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwest Collectors Inc. (IL)

My insurance was billed by XXXX XXXX directly and was paid for services done in the facility. I received a surprise bill from XXXX XXXX XXXX, XXXX for the same lab services I paid to the hospital. I sent many letters to contact the hospital as all bills were paid directly to the hospital where services were provided. They ignored my letters, and I received a collection notice from Northwest Collectors Inc . I sent them a letter and called to explain and the man on the phone was very arogant and when I was trying to explain that the bill is paid, he threatened me to take action and damage my credit because he is not gon na discuss it with me and he threatened that he will submit that to the collection and my credit will be hurt. as the Owner of a small business, I can not allow to have a poor credit score. I was in fear and paid the amount that was already paid by my insurance, but I did it to avoid collection on my credit record. I paid them the amount i did not own! They treated me in an aggressive way and did not have any option to explain that the amount was paid, and the creditor must contact the facility where services are provided because I was billed by the hospital. I disputed that charge with my credit card but still i am afraid they will ruin my credit.
Consumer complaint received 2021-06-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (GA)

Step 1 : What is this complaint about?

My Privacy has been violated.

Step 2 : What type of problem are you having?

HIPPA Violation Step 3 : What happened? 

On XX/XX/2021, I received verification of a medical debt from collection agency, Medical Data Systems Inc., which included my private medical records detailing services I received as a patient. I did not sign a HIPPA release form authorizing XXXX Hospital to release these private health documents to Medical Data Systems Inc. 

Step 4 : What company is this complaint about? 

XXXX Hospital
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-08-23
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. (GA)

XXXX XXXX XXXX XXXXXX/XX/XXXX -Contacted company and credit bureau , no response XXXX XXXX XXXX XXXXXX/XX/XXXX -Contacted company and credit bureau , no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-25
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: Nelnet, Inc. (MS)

THE COMPANY, NELNET, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. They are in violation of the Privacy Rights Act of 1974 and the Family and Education Act of 1974. My consumer information was transferred from that purchase to Nelnet without my knowledge for reporting to XXXX, XXXX, and XXXX. 18 USC 1028 - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against COMENITYCAPITALBANK/XXXX for committing identity theft. I have never given COMENITYCAPITALBANKXXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Persians to 15 USC 1692c ( c ). I am demanding a feast and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COMMENITYCAPITALBANK/XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and COMMENITYCAPITALBANK/ XXXX continues its collection efforts, I will file for litigation for actual damages caused and COMMENIGYCAPITALBANKXXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-08-23
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. (CA)

During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.
Consumer complaint received 2024-03-07
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. (PA)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express has decreased my credit line by 30 %. 
Despite I've been customer over a decade and never missed one payment. 
I am making more money than ever. This is a very bad business practice, and I do not see the risk, in continuing to provide a higher credit limit. Where is the appreciation for customers, over the years I have paid almost XXXX in profits due to i nterest, and other charges, and this is the appreciation I get.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (CA)

XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : Caliber Home loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer Caliber transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with Caliber and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to Caliber for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that Caliber has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her law degree as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS.

Please help us, XXXX XXXX
Consumer complaint received 2022-03-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (WV)

I previously had a loan with XXXX XXXX for the mortgage of my home. Due to XXXX XXXX, XXXX XXXX and XXXX, I fell behind. The home was foreclosed on and the loan was sold to Specialized Loan Servicing LLC. I am currently living in a XXXX XXXX  and do not have direct contact information. The loan has been foreclosed but I have not been served with an eviction notice. I am in XXXX. I can not apply for assistance because I do not know where I stand with the house. Also since I have not been formally evicted, I am about to lose my placement in the XXXX. Both I and my counselor at the XXXX  have attempted to contact the debt agency to clarify the status. On the first call, I was told that there were XXXX options. Fax and email information was provided. Both of us were told we would receive information on how to proceed. No information was received. We have been through the phone brush off on three occasions. No information is received. The last call, we were assured that we would receive this information within the week. In addition, I have attempted to contact the company via their website. I can not email them without an account. I can not create an account without a loan number. I have no paperwork from the company with any information or loan number etc. This has been going on for over a month. I am willing to work with them or to move on if I could simply get a response.
Consumer complaint received 2021-08-23
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. (CA)

During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good afternoon, I am writing because TransUnion, XXXX  and XXXX  are in violation by reporting fraudulent credit information when I never even authorized any furnishers to report on my credit. I will have to seek litigation if this is not removed because this is wrong and an injustice for doing this without my consent. Please update me as soon as possible with this matter, thank you.
Consumer complaint received 2024-03-07
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. (TX)

The collection listed below need to be removed from my credit report because there's no paperwork that legally verifies this account. The collection agency XXXX XXXX XXXX submitted a response stating that they would cease collection activity and inform the credit bureaus to remove this item, yet it is still reporting. This is false reporting and a violation of section 609! How can you continue to report when neither one of you can prove that these accounts are mine? I was told that there's no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, these accounts are illegally reported and need to be removed at once : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022, I attempted to purchase a service, was asked by the seller to send payment through XXXX, totaling {$300.00}. 

The seller never delivered the service and refused to respond to me when I reached out. 

I filed a dispute with my Bank, Capital One 360. They then denied the dispute, citing XXXX 's terms and conditions which I was un-aware of and did not agree to. 

I was scammed by the seller so the bank and/or XXXX should do something about it.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

Loan is with Ocwen and we are in pre-foreclosure. We did not know this as we thought house was foreclosed in XXXX. WE NEVER asked for a postponement of the sale until recently once we understood how a short sale would help them avoid foreclosure. WE was told by Option One, back in XXXX that there was " Nothing they could do for us and to GET OUT '' of the house. Wr were told it would foreclose in XXXX XXXX, so we left 100 %. The house has sat vacant for years now, and we never knew the bank did n't foreclose on us, until XXXX XXXX reached out to let us know. I believe we deserve a break and would love to see get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, We the seller has never asked for a postponement, this is the first time and Ocwen is saying NO. can you please stop this forecloseure and allow us to do short sale. We have been riddled with one problem after another with medical issues since XXXX the reason we fel behind was told to leave and now this. I was given a complaint number # XXXX from our expert who is trying to help us. Thank you for your time XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2022-02-14
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 have contacted Experian on several occasions about a reported Bankruptcy that should no longer be reporting. It has reported over 10 years and should not remain any longer. I have sent several letters regarding this issue and I have also called Experian to resolve this issue and they do not respond and It has gone far beyond the 30 day limit. I feel that they are refusing to make the necessary change with this issue since I am failing to get an accurate response from them.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NC)

Ive contacted Citibank repeatedly regarding fraudulent transactions on my account. They keep re-adding these fraudulent charges. My old debit card linked to my checking account was stolen and used in XXXX and other online purchases. The following transactions are fraudulent and in dispute and should be sent back to the respective merchants : XX/XX/21 {$100.00} XXXX  XX/XX/21 {$29.00} XXXX  XX/XX/21 {$40.00} XXXX XX/XX/21 {$74.00} XXXX XX/XX/21 {$98.00} XXXX XXXX  XX/XX/21 {$130.00} XXXX XX/XX/21 {$200.00} XXXX XX/XX/21 {$700.00} XXXX XX/XX/21 {$1100.00} XXXX  XX/XX/21 {$1000.00} XXXX
Consumer complaint received 2022-12-03
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: AFNI INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX PAYMENT XXXX Collection/Chargeoff AMOUNT PAST DUE {$1200.00} DATE OPENED XX/XX/year> BALANCE {$1200.00} ACCOUNT TYPE Charge account CREDIT LIMIT {$300.00} HIGHEST BALANCE Never opened or applied for card. ID theft. Disputed with bank.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : 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 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (TX)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2021-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-03-07
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. (FL)

XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXX XXXX  XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.