davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX XXXX XXXX XXXX. The dates they had at XXXX XXXX XXXX did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with XXXX XXXX XXXX and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe XXXX, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 2023-04-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 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 and remove them immediately in my report : XXXX XXXX XXXX XXXX Date Open : XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2023-04-04
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 - XXXX XXXX, 2023 XXXX - XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX, 2023 XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  - XX/XX/2023 2023
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document and temporarily removed the item. Then added it back with no explanation nor proof that the debt is valid to myself. It is an unknown account with southwest credit system XXXX XXXX XXXX # XXXX XXXX, XXXX for {$220.00}.
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation (OK)

The mortgage company repeatedly places additional principal payment in unapplied cash and does not apply towards principal until I call and complain. I make an additional payment every other week with " additional principal '' noted in the memo. Our regular monthly mortgage payment is send autodraft every month. I have spoken with XXXX ( manager ) multiple times and he has tried to work with accounting to resolve this problem to no avail.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

They actually have 4 of my credit cards XXXX for XXXX, XXXX XXXX for XXXX, XXXX for {$2.00}, XXXX and lastly XXXX XXXX for XXXX something and that's the amount that's Im disputing cause my credit report shows XXXX. They are not trying at all to make meaningful settlement negotiations for the other 3 cards and they claim theyre going to " investigate '' the amount of the XXXX XXXX card but in the meantime they listed it on my credit report when Im trying to fix it they want XXXX + a month, I cant do that! they want a lump sum for 40 % off with no monthly payment so they are effectively not working with me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX : {$18000.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$25000.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2019-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My mother has passed away. I am trying to assume the mortgage. This company had told me i could assume the mortgage and is not complying with my signed request for documentation required for the process which they sent me The have had my request handled by multiple departments. Now nothing is happening for me to proceed and all departments tell me this situation is handled by another department. I have been approved as successor of interest and they have mishandled this situation terrible and refused to assist. 

This has gone on for 3 months.
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00}
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX XXXX XXXX XXXX. 

Specifically, I would like to verify that there was a 30 day late payment on the account in XX/XX/2021. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that you provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that you remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of information which do not belong to me and accounts and inquiries were opened without my permission : 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 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 XXXX XXXX XXXX XXXXEQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2019-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

My Loan was recently sold to PennyMac. I am noticing the payments I send to my account aren't being credited but instead held in escrow. Also since they purchased my loan I have racked up roughly 200 dollars in fees. Namely, property inspection fees for a total of {$180.00} since receiving my loan from XXXX XXXX. The fees are {$75.00} date XX/XX/XXXX/19 another {$75.00} fee on the same date XXXX/XXXX/19 for " property preservation ''. I also see fees of {$15.00} on XX/XX/XXXX/2019 for " property inspection fees '' and another fee on XX/XX/XXXX/19 for " property inspection fees ''. I have sent enough payments to bring my loan current but seems they are not crediting me but instead holding the money in escrow. I am not sure why. I have read a lot of complaints and also I have personally experienced horrible customer service.
Consumer complaint received 2024-03-06
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-11-05
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-04-04
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.s.c 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I've sent three certified debt validation letters to this company RESURGENT/ LVNV FUNDING, LLC and to no avail did not recieve a response in regards to this alleged debt on my credit profile. 

Therefore, I have no choice but to file a CFPB complaint as they have failed to due their due diligence in regards to this matter. 

Not only that. I was not notified of this debt from thier company and/or oppurtunity to debunk said alleged debt. 

I've attached the most recent certified letter that was sent to this debt collection company.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (NC)

I recently reviewed my Equifax credit report and I noticed there were inquiries that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-12-17
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXX XXXX XXXX {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} 6. XXXXXXXX XXXX XXXX  {$37000.00} 7. XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} 8. XX/XX/XXXX XXXX XXXX XXXX  {$940.00} 9. XX/XX/XXXXXXXX XXXX XXXX XXXX  {$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.
Consumer complaint received 2023-03-28
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 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 and update them immediately in my report : XXXX XXXX XXXX Date Open : XX/XX/1999 Balance : {$620000.00}.