davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of XXXX. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX  who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue stress and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. Thank you.
Consumer complaint received 2021-06-10
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: PLANET HOME LENDING, LLC (NJ)

This company Planet Home Lending LLC has been misrepresenting themselves to be my creditor since XXXX, They never gave me a VA loan for XXXX.I don't know who they are, or where they got a promissory note from alleging to be my signature. This is the result of Identity theft of a Security Instrument. Forensic Expert report will reveal forgery of both Note and Mortgage. They foreclosed on my house in a final judgement XX/XX/XXXX, but yet updated to Equifax on XX/XX/XXXX that I never missed a payment for the same year XXXX and reported 10 months of payment for XXXX and 12 months of payments made on time in XXXX and 9 payments made in XXXX. Since I made all of these payments then why did you foreclose and leave me and my family homeless? Since the files are too large to upload send me an email address to request the forensic reports for the mortgage and note.
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (FL)

I had XXXX on XX/XX/2018 and it took a year for the claim to be paid. Somehow this went to Capital Accounts LLC. They have continually lied to me falsely reporting to my credit report to include made up numbers. Spoke with Original Creditor and they emailed me stating they told the account representative at Capital Accounts, XXXX XXXX, to remove this account from collections. They still refuse to stating now I owe a different amount now. Will pursue a lawsuit next if this doesnt get fixed within two weeks. This is absurd!!
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I received from the city of XXXX a tax statement to be refunded money for school taxes in the amount of {$330.00} and {$570.00} for the tax year of XXXX and XXXX. I have been calling XXXX to get a receipt sent to me stating my taxes were paid for XXXX and XXXX and they refuse to send the information to me. I would like my money returned to me and I keep getting the run around about my request about the tax receipt.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2019-07-27
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. (OH)

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and Equifax all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Consumer complaint received 2022-10-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  LENDING/XXXX  C Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX CARD Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX FIN Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX  FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX AUTO FIN Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion is showing that I have 22 Hard Inquiries on my report. 
Please remove XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Some are multiple inquiries from the same company within a small time frame. It's negatively impacting my credit score.
Consumer complaint received 2022-12-30
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)

Yourrecords  show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file immediately
Consumer complaint received 2022-12-30
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXXL XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXXNK XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX .... Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Groves Capital, Inc. (FL)

I am a XXXX XXXX for 4 years now and I can confidently say this is the absolute worst company I have dealt with and I am so embarrassed that I chose them to represent my purchase for myself. It started with my loan officer XXXX XXXX making empty promises over and over again to the point of 0 trust in his word. The deal was full of discrepancies and could not be closed due to pure negligence and lack of communication between all parties involved specifically the processor XXXX XXXX. 
I had the file escalated to the CEO and Owner of this company which stepped in and tried to help but without any result due to an incompetent team. We extended the closing date 3 times and about 3 weeks and weren't able to close in the end due to failure to disclose certain terms and fees that I was not willing to sign on under pressure. They added a pre-payment penalty and extra fees mid process, had I signed without reviewing the terms like most people do I would have ended up with a horrible loan and stuck with an 8.125 % rate for years. I lost time, money and my sanity working with these people. I have lost all my 6 months plus work on my home search and mortgage application plus about {$2000.00} and my sanity. I have to start over now. These people should be investigated and should not be handling anyone 's money. See attached example of one major discrepancy from what was disclosed on the Loan Estimate verses what was finalized on the Closing Disclosure ( pre-payment penalty added ). 

Mortgage Company : Groves Capital Inc. 
Lenders : XXXX XXXX
Consumer complaint received 2023-04-04
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-03-04
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. (MI)

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 Account Number : 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 2022-10-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRUIST FINANCIAL CORPORATION (NY)

XXXX XXXX ID # XXXX XXXX No income Havent been paid since XX/XX/XXXX Sending forbearance paperwork for other ( XXXX ) loans Takes XXXX business days to process Forbearance was for XXXX loan making other XXXX late XXXX XXXX ID XXXX XXXX Loan sequence XXXX, XXXX, XXXX, XXXX due XX/XX/XXXX Loan sequence XXXX XX/XX/XXXX Deferred again each time loan got higher but when I offered to make pemta via my income I was told I could but it would not help. Or I could write a letter to the lender explaining my impediments and the lender would give a response each time on either the day I was due to make a payment or the day before my payment was due. 
XX/XX/XXXX XXXX XXXX XXXX Only 2 months forebearance No matter if I show proof of my inability to pay or try to make an effort of requesting a lower paying payment I am shot down by the lender and it just crucifies my credit, makes my debt to earn ratio higher. The only solution I was given was an attempt to refinance several times with other companies but no one will accept or refinance with me because of these private loans. I even tried a personal loan as last resort but was told I could not be granted that either because of the amount of debt I accrued with my XXXX XXXX XXXX company that I used for school.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WY)

please see the below responds from conns XXXX XXXX , XXXX ( XXXX ) appreciates the opportunity to respond to the concerns you have. We have a more than 120-year history of quality customer service and satisfaction, and I would not want anything to impair that record. As a reminder, you may contact XXXX regarding questions by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with non-monetary relief. You have stated in your complaint that : 1. You have a credit inquiry from XXXX on your credit report ; 2. You did not apply for XXXX credit ; and 3. You would like the credit inquiry removed from your credit report. Our investigation reveals that : 1. A credit application was processed in your name on XX/XX/2019 ; 2. XXXX fraud department reviewed the information you provided ; and 3. We have removed the credit inquiry. According to our records, an application for XXXX credit was processed on XX/XX/2019. The credit application was initiated through XXXX website. Our fraud department reviewed the information you provided and we have removed the credit inquiry from all three credit reporting agencies. We ask that you please allow the credit reporting agencies XXXX days to update their records. XXXX appreciates you for bringing your concerns to our attention. 
DESCRIPTION OF NON-MONETARY RELIEF removed credit inquiry
Consumer complaint received 2023-07-27
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2018-06-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (NJ)

Person in charge, I am writing this complaint because I have been getting harassed by DEBT RECOVERY SOLUTIONS. They have placed multiple collections on my credit report and have duplicated many of them. When asked when these medical bills went into delinquency, I was told in XX/XX/XXXX. I have always had medical insurance and not sure why they were billed. After several attempts to collect money from me and threats, theyve decided to place 9 accounts from XX/XX/XXXX on my credit report. 

Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XXXX, XXXX, XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX I have contacted this company by mail asking to delete this medical bills for my credit profiles and they have not responded. I have requested a validation of these bills and they sent me only a notice that it was in collections. They have not validated or verified these accounts. Please help me remove these accounts off my credit reports.
Consumer complaint received 2024-03-04
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. (OH)

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 1681XXXX 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 15 U.S.C 1681 section 602 A. Stated 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I sold a {$1400.00} collectible via PayPal.com, paying the PayPal Goods & Services fee for built-in protection and to avail of their claims process if needed. 

A buyer attempted to scam me by claiming the item arrived damaged. USPS investigated, and determined this not to be the case, refusing my insurance coverage as well. Then, they claimed to have already returned the item ( they did not ). 

PayPal granted their claim despite the USPS investigation, conflicting stories from the seller, and the fact that I did not recieve the damaged item back nor any documentation of the damage. 

PayPal failed to respond to numerous contact attempts, repeated appeals and apparently did not review the evidence at all despite my paying for this service. Instead, they allowed an obvious scam to go unpunished.