davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

Franklin Collection Service Inc is in violation of HIPAA Privacy Violation. This collection agency did NOT provide me a HIPPA RELEASE that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA RIGHTS. 

I have requested for VALIDATION, NOT Verification from FRANKLIN COLLECTION SERVICE on XX/XX/18, XX/XX/18, XX/XX/18. 

On XX/XX/18 FRANKLIN COLLECTION SERVICE ON reply to my dispute letter, where they have violated my HIPAA rights sending me my medical information without providing me a HIPAA release form giving them access to my medical information. I have disputed with XXXX and XXXX five different times and they have yet take this extremely seriously As I have received a response from the collection agency that clearly violates my rights according to HIPPA. I have documented my case without error.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is showing up on XXXX and Experian twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX  that need to be updated or removed from XXXX and Experian. They need to updated the account as current or just remove it since it's from XXXX. They also sent me to collections with US Department of EDXXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my Experian report called US Department of EDXXXX and that needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my Experian and XXXX Report the exact same thing is happening however on Experian and XXXX there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For Experian neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on Experian and XXXX they tell me everything is correct now. However on Experian there are two accounts that have the student loan company put two collection accounts on my Experian report which needs to be update to current or just deleted all together its called US Department of EDXXXX
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WV)

I have a XXXX personal credit card. XXXX and XXXX combined recently but I signed up for a XXXX card for a XXXX promo offer for XXXX points. The XXXX did not post to my account. I know the merger was to take place after XX/XX/XXXX but I applied and was approved for this card prior to the XX/XX/XXXX deadline. Now american express is declining giving me the offer because I had a XXXX card before and got a bonus with them. I feel as though I met the requirements for the card having got it before the XX/XX/XXXX deadline. Please help me get my XXXX XXXX points.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (GA)

I HAVE ALREADY NOTIFIED DIVERSIFIED CONSULTANTS IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT XXXX A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I took out a loan with XX/XX/XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FM)

To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX, Transunion and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services (TX)

A Charged Off account in the amount of {$5.00}, I did not owe them any money and never received any request for {$5.00} payment. 

I did have another account with the same company which was paid off, BUT NEVER HAD 2 ACCOUNTS with MB Finance. I have disputed this {$5.00} Charged Off account several times with Credit Reporting Agencies but MERCEDES-BENZ FINANCE has always refused to remove it and said I owe them {$5.00} on this account. 

Even though this is not my account and I do not owe them {$5.00}, I sent them a money order for {$5.00} and requested them to immediately remove the account but it has not been removed yet. The other account with this company was paid off on XX/XX/2014 ( see attachment )
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent {$200.00} to capital one and requested a prepaid card. I was given access. I used the card briefly 60 days or less made one payment and then was incarcerated. Now Im told that I owe {$220.00} what happened to the {$200.00} I put down as a pre-payment? That was the whole point in the {$200.00} in the first place was to secure just in case something should happen where I dont pay my bills so what are the XXXX or dollars go yes I may owe them XXXX something dollars for late fees or whatever which I have propane but Im not paying them {$220.00} and hes fighting me tooth and nail with it. Theyre saying that thats the proper amount Walt Ive asked them what happened to the {$200.00} and no one will tell me anything about it they say that they dont have access to that all they have is the balance thats owed so theres no record of any of it. But you had it sitting there sternly staunchly saying that I owe them XXXX
Consumer complaint received 2022-03-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX and also any other XXXX XXXX XXXXXXXX accounts 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 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist has not enabled the ability to do external transfers to non-Truist bank accounts. I have called Truist multiple times and already set up and validated the accounts in their system. But, the web and mobile applications will not allow transfers. This used to work fine at Suntrust. Truist told me it is a known glitch, but has not resolved. I can not imagine how many customers are negatively impacted by this Truist failure to deliver.
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

A inquiry from Midwest recovery showed up on my report, shortly after I received notification of a collection of {$1100.00} was reporting on my reports. There is no account number or information present to contact an original lender to validate an debt owed. However there was also the lack of a 30 day notification of a debt, which is against FCRA. I researched company and found that that's this company is known to report collections without notifying consumer and allowing time to validate and/or dispute. I would like for this company to validate this debt by providing the type of debt, by including a contract with my signature and an original detailed bill. THIS COMPANY IS NOT TO CONTACT ME VIA MAIL, EMAIL, OR PHONE. ALL REPSONSES AND DOCUMENTS IS TO BE UPLOADED TO THIS SITE.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Citbank {$400.00} promotion.

At Bank : $ XXXX  for 60 days. Promotion will hit on the 90th day after I deposit $ XXXX Phone call @ 90 Day Mark : $ XXXX for 60 days. Promotion will hit on the 90th day after the initial 60 days.

Phone call @ 150 Day Mark : $ XXXX   within first 30 days. $ XXXX for 60 days after the first 30 days. Promotion will hit on the 90th day after the initial 60 days. Then the representative realized she made a mistake and will have to push it to investigation. Someone will get back to me within the next 10 business days.

This is 100 % deception to have people open accounts and keep them open for as long as possible. Willing to enter class action law suit.
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vehicle Solutions Corp (FL)

This company has violated several practices pursuit the FDCPA ( Fair Collection Practices Act ). I am demanding a XXXX XXXX as this company is reporting negatively on my credit file. This company needs to remove this file from all reporting XXXX XXXX asap and I demand the following be sent to me asap if it is not removed. 

XXXX XXXX XXXXI demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** ***XXXX XXXX*** ***Check for {$5000.00} for all Violations under FDCPA as of this notice and have it sent to my name and address listed above. *** ***XXXX XXXX XXXX*** ***INVOICE FOR WHEN VECHILE WAS SOLDXXXX
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FM)

To Whom It May Concern : I received an alert about an account being reported by Midwest Recovery. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and XXXX by Midwest Recovery. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, Midwest Recovery did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Midwest Recovery should this item not be deleted within the required time allowed by law. Midwest Recovery is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2017-11-08
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: DISCOVER BANK (NC)

I have inquiries on my credit files with XXXX and XXXX  from this company dated XX/XX/XXXX. I did not apply for credit from them on this date. I have an inquiry from XX/XX/XXXX,  that is a legitimate inquiry. I have asked the credit reporting agencies to remove these inquiries, but they do n't have to follow the law, so that was a waste of time. I have written to the company directly requesting documentation supporting their permissible purpose in accessing my files, but all I got I reply was verification that they did, in fact, access my files ... no proof of permissible purpose. Accordingly, pursuant to the FCRA, these inquiries should be removed.
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

Income-Driven Repayment Payment Plan in XXXX was : {$27.00}, XXXX I Now Owe {$32000.00} Navient has managed to accumulate unfair interest on my account since XXXX. 

Upon speaking with their rep today, I was told about capitalized interest, and was charged 3 separate payments on XX/XX/XXXX in the amount of {$520.00}, instead of one-time capitalized interest fee sent every XXXX. Upon bringing this up, the agent stated that I was only charged an interest once even though I could see three charges for said amount. I was then placed on hold on XX/XX/XXXX in which the other two amounts were removed with no claim of fault from navient after the hold. 

To follow up, I brought up a capitalized interest in the amount of {$180.00} on XX/XX/XXXX. Which made no sense because I've never once missed a payment even though my amount is based on my income. I was immediately told by the rep " it's likely i missed a payment '' and of course that wasn't the case, because I was then placed on hold for over another hour just to be told that they would be investigating why that amount appeared on my account because they didn't know. 

THIS IS BAFFLING!! 

Upon calculating all accrued interests since XXXX, I'm baffled that the calculation of what I owe is {$30000.00} and not {$32000.00} as stated. 

I will like to be a part of suing this company for their false practices.
Consumer complaint received 2018-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CA)

Fay Servicing has continued to ignore my written and verbal requests for my mother 's XXXX impound refund. This should have been returned when I brought her loan current when she passed away. I am the executor. The loan was brought current in XXXX I believe and was paid off XX/XX/2018. The title company gave them the forwarding address for the check and I personally called them. The person on the phone said he was sending it to XXXX XXXX. I explained that they had paperwork from a year ago that says my mother does not employ them. They assured me I would be sent the check. Its been over a month and I have called many times they said they sent the check to XXXX XXXX. XXXX XXXX who is a legal firm says they do not have it. Fay Servicing is once again withholding money which is due my mother 's estate. There is also a XXXX amount that was on the payoff statement that said refundable and they will not give me any explanation. This lender feels like they can ignore individuals and they answer you with some random untruth and its settled. I go to court with them in XXXX over the 26k, but want the impound account back of XXXX.
Consumer complaint received 2022-06-17
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : XXXX XXXX XXXX EXPERIAN : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL
Consumer complaint received 2019-03-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I had first got the 2011 XXXX XXXX for a couple days I was took it to a car shop for a oil change and the mechanic ask me where I got this car from. So I've told him and he told me to take the car back and tell them I have a engine problem can they correct it. I went up to car source and told them the situation and they said they don't fix engine 's call credit acceptance. I called them and they said that's not their problem after what I've told them where I got the car from. I couldn't keep up the payments I couldn't make it to work due to my engine.
Consumer complaint received 2023-03-22
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. (GA)

XXXX XXXX Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate.

They have committed countless violations and has blatantly shown total disregard for the law.