davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (FL)

Request to Validate Medical Debt XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XXXX, XXXX and XXXX XX/XX/XXXX Amount of debt : {$140.00} Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Account Number # XXXX Email : XXXX Dear collection agent, I received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ), but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ) for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me as this account is not mine. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

formation release without mu authorization is from a minor. I hope to hear from you as soon as possible. 



XXXX XXXX
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SunTx Capital Partners (TX)

Freedom truck finance Account was opened on XX/XX/XXXX As a joint account with me and my son. Not sure exactly the date it showed as a delinquen account on my credit report, but was Charge off and closed on XX/XX/XXXX. On XX/XX/XXXX freedom truck finance changed account number on loan and posted it back on my credit report showing account past due and delinquent. Submitted dispute with XXXX XXXX on XX/XX/XXXX and report returned as all information was verified as true and accurate.
Consumer complaint received 2017-08-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (WV)

I received a phone call from CPC ( Cental Portfolio Control ) in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. Today XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.
Consumer complaint received 2022-02-23
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: Self Financial Inc. (TX)

On or about XX/XX/2022 i received notice from XXXX XXXX that there was a {$520.00} balance from XXXX XXXX XXXXSELFLENDR. I googled and found it was from a company called Self. WWW.SELF.INC. I have never applied for anything from that company. I attempted to call the company but since I didn't have an account they would not accept my call. There is no option to speak to an operator. I have tried responding to e-mails they have sent to me but their e-mail system does not allow you to reply I did not apply for this and I want them to remove this charge from my credit report. It is fraud and someone must have obtained my information OnXXXX or about XX/XX/2022 I have XXXX file a fraud report as well
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2018-07-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (GA)

I have a student loan that has been in default for some time. Both GC Services Limited Partnership and the US Department of Education indicate to go to the XXXX website for up to date information on the balance and status of a student loan. On XX/XX/18, I went to the website, got the exact balance, and paid it off. I then contacted both the Department of Education and GC Services Limited to express that I had made the full payment, in the amount shown on the website of {$3800.00}. In discussion with the Department of Education and GC Services Limited, at no time was there any indication of further debt being owed, over and above what was on the website, and I was informed I should show a {$0.00} balance on my account within 3 - 5 days, per the Department of Education, and that it would take a few days longer for it to reflect the same with GC Services Limited. This morning, I went to the XXXX website to find that I did not have a {$0.00} balance, but a balance of over {$700.00} dollars showing. I made contact today, XX/XX/18, with the dispute resolution group at the Department of Education to express my concern, my disapproval, and my feeling of being both the victim of a bait and switch and defrauded, as there was ample opportunity for the website to have been made accurate prior to my payment, and, during the discussions with both groups after payment was made, to tell me if there was an issue. The individual at the Department of Education informed me her system shows over a {$900.00} balance still remaining due. To that end, the Department of Education is sending me a dispute form via snail mail, which will take 7 - 10 days to arrive, that I must then fill out and mail in to another address for processing, however, that will not stop interest from accruing. In my conversation today with the Department of Education I have laid out the requirement that the fees all be waived due to this being a misrepresentation on the website, which is clearly not something I maintain, making this a true bait and switch by this organization, especially since the Department of Education is also being given different, false, fraudulent information by the organization they've chosen to hire.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I decided to apply for my first credit card as I am approaching the end of my college career, and I wanted to start building credit. I used XXXX XXXX to see which credit card was best for me and their top recommendation was the Discover It - Cash Back card. I applied on XX/XX/22 and was sent the confirmation email from Discover ( 1st attachment ) that I was approved and getting a card. I then signed the XXXX form they asked me to and received a confirmation that i had successfully completed that as well ( 2nd attachment ). Six days later, I received the card in the mail and immediately activated it. I received the email that claimed the process was a success and that I could immediately use the card ( 3rd attachment ). However, when I tried to use it, I was being denied. I called Discover right away and asked what the problem was, and the representative said they hadnt finished verification. I never got an email about this apparent two week period where I have my card, it is activated, but I cant use it. The next day ( XX/XX/22 ) I called again and received the same answer but with attitude. I was told I did receive an email on XX/XX/22 detailing this when, in reality, it was only the email confirming I was approved and getting my card. So, I waited until early this morning ( XX/XX/22 ), I received an email saying theyve closed my account because they couldnt verify my identity ( 4th attachment ). I called to verify only to be told what was in the email and that I couldnt reopen I am confused and frustrated. I just want to build my credit with light purchases.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I was demanding, to : TransUnion LEGAL DEPARTMENT, TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX PA XXXX The removal of this public record notation ( bankruptcy ) from my credit report. 

Because am not familiar with the reference number, I contacted the court and they said, they didnt provide any information to the credit agency. 


On XX/XX/XXXX, I received a letter from TransUnion Consumer Solutions stating : Our investigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. 

Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; Provide us a response to your dispute ; and update their records and systems as necessary. 


Investigation Results Summary ITEM DESCRIPTION RESULTS CHAPTER XXXX BANKRUPTCY DISCHARGED INFORMATION UPDATED. 
DOCKET # XXXX XXXX XXXX XXXX XXXX XXXX XXXX US COURTHOUSE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX According to this summary, credit agency only made a notation and didnt deleted
Consumer complaint received 2022-08-26
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: WELLS FARGO & COMPANY (WA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my writing instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purposes.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2022-02-23
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2021 {$640.00} loan from XXXX XXXX  via a purchase of electronic equipment at XXXX. I did not approve the loan, I did not sign a document. I did not receive a validation code or a text, I did not receive an email. I reached out to XXXX XXXX and they claim they sent the documentation to an email address I have not used in over 25 years. They claimed I did receive a text but declined receiving. It is absurd. 

My son did purchase equipment from XXXX  on that date, while XXXX years old I gave him permission to use our XXXX card to buy an XXXX. Once learning that XXXX and XXXX used XXXX practice of solicited loans without documentation and utilizing old information with out the credit holders approval, I called XXXX. I did payoff the loan to stop the negative reporting. I asked XXXX for an explanation and after several phone calls and letters/Email, they claim they did nothing wrong, that I did take out the loan by proxy, and even suggested that I should file a police report on my son. WOW.. .until then I did not realize how morally corrupt the bank practices were. Again, I did not approve a loan, I did receive a validation code, Never signed a document, nor received any paperwork, nor any mail for 4 months. 

My credit has 120 day late report from XXXX. I want it removed. XXXX bank is guilty of predatory loan practices. XXXX and XXXX took an opportunity to defraud the consumer utilizing a loan vehicle to sell more product. 

I have not had a late payment in over 20 years on any credit report and maintain excellent credit. The XXXX XXXX predatory practice is wrong and must be called out. I demand the late payment notification be removed from my credit report with Transunion and XXXX.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

bank of america worked out a deal with me after i fell behind on payments. they sent it to XXXX XXXX XXXX in XXXX, nc. i worked out a {$100.00} a month repayment plan and have not missed a payment since i started paying in XX/XX/XXXX. i  can afford this seeing im on XXXX i have managed to put this in my budget. bank of america removed this negative item from my XXXX score and i was grateful. after 2 attempts to have it removed from XXXX they want budge. its not on XXXX at all but is still on XXXX and i want it off and re-instated as all payments are current. we made a re-payment plan and if they erased it from XXXX they can do the same for XXXX. i feel im in the right here.
Consumer complaint received 2023-02-01
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I called Roundpoint mortgage on XX/XX/2022 to update my excess payments to be applied to principal balance. I was showing as next payment not due until XX/XX/2022. They assured me action would be taken and excess amounts would be applied. They said they would email me within a few days. I did not hear anything. I called again on XX/XX/XXXX to follow up. The case had been closed because it was not properly assigned. Reopened issue. The policy on back of the statement states " Excess payments, also known as partial payments, made will first be applied to overdue payments, then to late charges and other amounts owed under terms of your loan, then to amounts specified in your payment instructions, then up to one future payment, and finally to reduce your principal balance. My current statement shows next payment not due until XX/XX/XXXX. I called Roundpoint again today. Issue is still not resolved. I explained that I want all excess payments to go towards principal. Next due date, will be paid on XX/XX/XXXX. I do not understand why they are not following their own policy.
Consumer complaint received 2019-10-13
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. (PA)

I have contacted TransUnion a few times by mail and phone about incorrect and fraudulent information showing on my Credit File. I  first contacted them by mail approximately around XX/XX/XXXX to dispute the inaccurate information on my credit report and I called TransUnion about a month later around XX/XX/XXXX to follow up on any updates about the items I disputed. I actually called them a few times around this date only for them to keep telling me that I must contact the creditors to dispute the items with them, TransUnion even sent me mail but only about one of them several items I disputed that was a verification letter for the capital one account I disputed. And they never sent me correspondence about the other items. However those items still remain on my account. 

I initially contacted TransUnion feeling that I was a victim of identity theft and I don't feel they followed the proper procedures of the Fair Credit Reporting Act. And by them never responding to the other items on my credit report, I feel like they never did a proper investigation. 

Below are a list of items I disputed due to fraud or incorrect information : XXXX XXXX XXXX  XXXX  : Credit Card Closed on XX/XX/XXXX XXXX XXXX XXXX : Collection account opened XX/XX/XXXX XXXX XXXX XXXX : Collection account opened XX/XX/XXXX XXXX : Closed account opened XX/XX/XXXX XXXX : Closed account opened XX/XX/XXXX XXXX XXXX : Closed account opened XX/XX/XXXX Dept Of Ed XXXX XXXX XXXX Closed account opened XX/XX/XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have requested my annual credit report using XXXX. fromXXXX, Equifax, and XXXX. I received XXXX 's report without issue. I have made mutiple request to Equifax and XXXX multiple times. Equifax and XXXX never cooperate. When free a free credit report is requested Equifax and XXXX continually refuse request with error submissions. I have read multiple complaints expressing the same issues over and over. It appears to be an online tactic by XXXX and Equifax to discourage the consumer from seeking free report to the point we will just pay for the report. 
XXXX has no online problems furnishing the annual credit report thru XXXX or correcting any incorrect information on consumer 's credit report when requested so I ask " If XXXX can comply with furnishing Annual Credit Reports without issues, Exquifax and XXXX should do the same ''.
Consumer complaint received 2024-03-08
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. (TX)

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 nephew, 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-14
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. (AP)

In accordance with the Far Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has Violated my rights. 

XXXX5 U.S.C 1618 Section 602 A, States I have to right to Privacy.

15 U.S.C 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b, A Creditor May not treat a payment on a Credit Card account under an open end consumer credit plan as late for any reason.