davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. 
Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : XXXX. Breakdown of fees including any medical charges and collection costs XXXX. A copy of my signature with the providers of service to release my medical information to you XXXX. Cease any credit bureau reporting until the alleged debt has been validated by me. 

I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. 

However, I received another letter from them dated XX/XX/2022 completing ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. 

I am demanding that they cease collection and delete these accounts off my credit reports.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (VA)

I have requested on several occasion verification of this debt and no response from the creditor. I have sent numerous debt validation/verification request to this company regarding the debt, but never receive a response back and it's been over 6 months there for I am requesting the removal of this debt PER the FCRA and FDCPA they are in violation OF THESE LAWS
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Us auto sales went out of business I didnt know they transferred my loan to Westlake Portfolio management and they refuse to furnish my original contract and payment details. They also have started charging me late fees when I have never been through that with my original people us auto sales. Im also behind on my payment and they are constantly harassing me
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 XXXX XXXX XXXX. 
XXXX XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

XX/XX/XXXX received more foreclosure documents. They are refusing to accept the principle payment to the loans with the understanding that the interest will be paid at the end of the term. If there are terms withing the loan documents that are opposite of this practice, then it was done illegally and without my knowledge. They need to stop the foreclosure process immediately and revisit the laws of this country.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ditech Financial LLC (MS)

Over the last 4 months our electronic auto draft for our VA home loan was canceled. This put us behind two months, we did not find this information out until we received a paper letter at a family members home ( XX/XX/2019 ). The amount was drafted every month, there was no change in banking information or accounts. Upon our payment we were hit very hard on our credit score. We tried to talk to the company about the reporting after the completion of the payment in full. Is there any way to assist or can anything be done about the reporting.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I sent a certified letter to XXXX 's about the late fee that I was being charged since the first statement, which I never received. The account was opened in XX/XX/XXXX.Payment was made on the account in full through on line banking. Payment posted on XX/XX/XXXX. A/C # XXXX. XXXX XXXX. However there was a late fee which was waived, given this was my first statement that I had not received. This was never corrected despite my attempts. Due to this negative reporting by XXXX 's my Citibank Platinum account was not renewed ( bank refused to send me a new card ). I tried to correct it through the credit bureaus to no avail. I never paid late on any of these accounts. To this date, I still have maintained an automatic payment with CitibankAadvantage.
Consumer complaint received 2021-02-18
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. (AR)

I have disputed some erroneous accounts with Equifax, XXXX and XXXX but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX XXXXXXXX XXXX XXXX Equifax
Consumer complaint received 2020-12-23
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: CITIZENS FINANCIAL GROUP, INC. (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written a uthorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit Reporting Company : TransUnion Issue Credit score drop of 36 points as of XX/XX/XXXX Reviewed TransUnion Credit Report, purchased credit score. 

Contacted TransUnion by phone, they were not able to explain why my credit score dropped 36 points. There has been absolutely NO change in any of my accounts. 
Tried to reach a supervisor, was disconnected. They said a Supervisor would call me back. No call back. I called again, this time person would not connect me to a supervisor. Their attempt to answer why my score dropped does not make sense. 

They tried to day it was because some of the companies have not reported. I have no control over when a company like my mortgage service company reports. 
I explained over and over that there has been NO change to my payment history, amount of outstanding debt, or anything that would affect a 36 point drop in my credit score. 
There has been XXXX change in my Mortgage Servicer. XXXX sold their contract to XXXX XXXX   XXXX. So beginning XX/XX/XXXX my I will be making my mortgage payment to them. That change should not affect my credit score. The service reps at TransUnion have no idea what they are talking about and refused to connect me with a Supervisor.
Consumer complaint received 2019-04-16
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. (MI)

I sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (NJ)

This complaint is a follow up to complaint XXXX and XXXX. I received XXXX telephone messages from a XXXX XXXX in " Judicial Services '' to contact her regarding File XXXX, and she stated that although I had previously contacted XXXX XXXX XXXX, the matter was not resolved. She stated that they had contacted and verified my place of employment, and the Sheriff would either come to my place of employment or home. I tried returning her call at the number she left in my voicemail ( XXXX XXXX XXXX ), and the woman answered XXXX XXXX XXXX. I asked to speak with XXXX, and she stated that she had no one in her directory by that name. I asked her to check because XXXX just left a message with this number, but the woman said she had no one by that name. I asked if this was XXXX XXXX XXXX, a law firm, and she said yes. I asked for the street address so that I could send written communication, and she did not give this information. She then hung up. I called back and another woman answered and said yes, this is XXXX XXXX XXXX, the Corporate Office in XXXX, but XXXX is in Judicial Services. I asked for the street address, and she refused to give the information but insisted that they were an actual law firm. I advised her that I had filed complaints with the FTC and also checked with AMEX to see if I had an account, and AMEX advised ( as previously provided ) that the account matching the last 4 digits of my social security number in the zip code XXXX actually belongs to another individual. I asked for the name of an attorney who works with their law firm, and she stated XXXX XXXX. I asked if it is XXXX XXXX, XXXX, and she said yes, XXXX XXXX in XXXX. I found the name of an attorney XXXX XXXX, XXXX, in XXXX, GA with telephone number XXXX XXXX XXXX and fax XXXX XXXX XXXX. XXXX XXXX XXXX said they could not give me the address of their law firm but that it would be on the papers the Sheriff serves.
Consumer complaint received 2019-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Hi my old account number = XXXX on my checking, and savings account, on my old documents to now, I owe = XXXX, XXXX $ from XXXX XXXX XXXX, I had a Co, that did = Theft & Fraud, etc to a Loan, and try to submit a Fake SSI Check, in my name from another Theft < Fraud, type, = The Loan was for = XXXX , and the Fake SSI Check, was in XXXX $ amount second Crime, Theft & Fraud, I would like my Financial losses Legaly Reimbursed, $ $ in the Amount of = XXXX $ asap Please and have the Names and Numbers, etc Criminal Docs shown legal Docs to me? The Group Thefted and frauded my Phone and Email at House Big $ $ and Mail I, m sure?
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (TX)

I have a business checking account with Truist. It has {$1.00} balance. I couldn't transfer it using XXXX or XXXX. I want to close the account. On or about XXXX XX/XX/2023 I chatted with XXXX to close the account but he is not willing to do so. Instead XXXX stated that go to the bank branch or send a postal mail. I insisted on closing this account by chat but he said that he couldn't
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Credit card billing statement. 
The online account shows " Total minimum payment due '', and a due date. 
HOWEVER, there is NO STATEMENT available! I need to see the transactions in the most recent statement.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WI)

I have made phone contact and have sent letters twice regarding two disputed charges made by the same merchant but my credit card company has refused to offer a reply and they have simply ignored my communication
Consumer complaint received 2019-04-16
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)

one auto loan that does not belong to me has been reporting under my equifax credit bureau and they have not been helpful at all, i had tried to dispute and delete this inaccuracy from my credit file, but they are not helping, each time they are either not disputing or trying to get rid of me for not answering the security questions right, please you are my last hope they are screwing my credit by reporting inaccurate information and i have been very much stressed as a single mom, please have e to get to the bottom of this. 
appreciate you cooperation in this matter. 
thank you
Consumer complaint received 2023-01-04
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-10-26
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. (IL)

This is regarding an existing issue with XXXX XXXX and equifax XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-01-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc. (KY)

I was attending XXXX College, and at the time they were trying to get us to fill out FASFA and my mom had trouble getting certain information and we were telling XXXX were trying to get the information but couldnt get it as fast as they wanted. I stopped attending class and told them I no longer am coming and they ended up telling me well your going to have to pay for this somehow and couple months later, I got a letter in the mail stating I have to pay {$4100.00} to Key 2 Recovery, I have no clue how to get in contact with them, Im wanting to dispute because I did stop going to the classes and I pulled out. I cant get in contact with anybody, the school was very difficult and also many of us signed up wanting to be Dental Hygienist and the school later on next year came out with that program, and didnt even notify us that they would be coming with that program so instead we could have waited for the actual program we wanted to do. This is all a big mess and me not being able to get in contact with anyone, is very unprofessional.
Consumer complaint received 2022-10-26
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. (IL)

I abhor this! I've sent complaints and sent disputes for months, but I've seen no response to my complaints. I'm being hurt and under a lot of stress as a result of this.