davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (SC)

Medical data system claims that I owe a debt with them for {$710.00}. And I have never had an account with medical data system. And if this is a medical debt this would be a HIPPA violation with sharing my information to a 3rd party company.
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RGS Financial, Inc. (MI)

This complaint is in regards to XXXX  treatment rendered and completed in the latter months of XX/XX/XXXX. Exact dates are not know for treatment. My XXXX   treatment was completed XX/XX/XXXX. I have received a letter in the mail from a collection agency for the treatment received by my former employer XXXX XXXX XXXX in XXXX OH Re : acct # XXXX. I would like to make it clear that my complaint is NOT directed towards the XXXX that rendered thesXXXX XXXX   services to me.

My compliant is however directed towards the clerical staff and manager that were/are involved in this alleged debt. A notice for a bill in the amount of {$2700.00} was sent to me on behalf of XXXX XXXX XXXX- XXXX   office by RGS collection agency on XX/XX/XXXX.

Exactly 3 days before my employment was ending due to me relocating out of state.

An employee discount was discussed and offered by the treating dentist and approved by the office manager XXXX XXXX  before any XXXX treatment was rendered. The amount attempted to be collected was explained away by XXXX XXXX  as several different clerical oversights and billing issues with my XXXX insurance company. I was told by XXXX XXXX on several occasions to disregard any bills that were received, that they were to be cleared up by herself or company admin.

I was told this for 2+ years up until the date of receipt of the collection notice and after. My moving out of state ( XX/XX/XXXX ) seemed to be an out for my former employer and manager XXXX XXXX to saddle me with debt I don't owe nor has she provided proof of me owing via a signed treatment plan to confirm this debt.

My credit is in jeopardy of being damaged by this debt collection that XXXX XXXX knows will dis-rail my future career goals in real estate as an real estate investor and a major reason of my relocation.

Any efforts to resolve this issue reasonably seems to be exhausted.
Consumer complaint received 2022-12-05
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. (NJ)

Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, Equifax, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. 
Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. 
I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. 
Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. 
This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. 
I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. 
Task that you respect my consumer rights.
Consumer complaint received 2021-08-25
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)

TO THE CFPB PLEASE MAKE SURE THE CREDIT BUREAU FINALLY ABIDES BY THE LAW My initial dispute 6 TO 7 WEEKS AGO was detailed and related to the account in question. A template response will not be an acceptable response. YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

Hello, I am submitting a complaint regarding my XXXX store credit card, issued by Comenity Bank LLC. 

XXXX XXXX began charging customers a {$2.00} Residual Interest Fee in XX/XX/2021. I was not advised about the change and I had a XXXX BALANCE at the time the fee was assessed to my account. Because I had paid my bill IN FULL, I was unaware I would be charged a residual or trailing balance fee on the following months statement. XXXX proceeded to charge me late fees for not paying my late fee. The {$2.00} fee ballooned to {$30.00} between XXXX and XX/XX/2021. I contacted customer service as soon as I became aware of the charge. No one could adequately explain to me how {$2.00} became {$30.00} in a matter of 4 months. 
I requested a refund and my request was DECLINED. The customer service agent explained that the policy changed in XX/XX/2021 and all customers were sent a notification. However, I never received any notification and the Comenity representative was never able to provide me with the policy or direct me where I could find it on their credit card website. 

It should be noted this is the second time Ive had an issue with Comenitys lending policy. The previous issue resulted in me receiving a delinquent account notice on my credit score. Comenity is responsible for my ONE AND ONLY credit card delinquency in more than 10 years. I paid the account in full and disputed the the information with the credit bureaus, but Comenity refused to remove it. Clearly there is a serious issue here that needs to be resolved.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (IL)

XXXX*THIS IS NOT A DUPLICATE COMPLAINT. *** I AM THE CONSUMER AND I KNOW MY RIGHTS 12 USC 5511 ( c ) ( 2 ). The Consumer Financial Protection Bureau is to protect me from unfair deceptive or abusive practices from discrimination, 12 USC 5511 ( b ) And enforce actions of violations of Federal Consumer Financial Law. Consumer Collection Management Inc has violated the Gramm-Leach-Bliley Act. 
I sent XXXX XXXX XXXX a letter on XX/XX/2021 exercising my right to opt out from them disclosing my nonpublic personal information ( personally identifiable financial information ) to any and all nonaffiliated third parties. I never received a response back from this company and they are still disclosing my personally identifiable financial information to nonaffiliated third parties, consumer reporting agencies and resellers. I have attached the letter I sent them including my drivers license and proof of address, even though I am aware proof of identity and proof of address are not required for me to opt out of my nonpublic personal information from being disclosed to nonaffiliated third parties.
Consumer complaint received 2023-07-01
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: TD BANK US HOLDING COMPANY (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

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

Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (IA)

We took out our mortgage in XXXX through XXXX XXXX XXXX XXXX  who sold the servicing rights to Fay Servicing LLC. We paid off the mortgage with Fay XX/XX/XXXX and took out a new mortgage with XXXX XXXX. XXXX XXXX paid off that loan and Fay never filed a lien release on the title of our home. We started a refinance process with XXXX XXXX  in XXXX of XXXX. A request to file a lien release with Fay was sent on XX/XX/XXXX when we realized that Fay never processed the lien release in XXXX. XXXX requested the lien release XX/XX/XXXX and XXXX closed out the request and did nothing. I called every other day from XX/XX/XXXX until the end of XX/XX/XXXX. All I got was the runaround and no one would help me. The window for me to refinance closed at the end of XXXX. I contacted the Iowa Attorney General XXXX XXXX 's office at that time and I filed a mortgage complaint. They sent the complaint to Fay and gave them 15 days to respond. Fay waited until their 15 days was up and they finally sent the lien release. Their delay cost me to have to refinance my home at 2.99 % instead of 2 % because Fay neglected to file the lien release when they should have on XX/XX/XXXX! This has impacted our refinance! During the time I tried to work with them, I have never been treated so poorly! they were so rude and condescending and flippant about our situation! Do I have any legal recourse? They should be fined and held responsible for my financial impact. Thank you!! I don't really have anything other than the complaint I filed through the Iowa Attorney generals office which is an email format.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (GA)

I have previously told them to STOP calling AND that I rescinded ANY previous authorization. They are also trying to collect MORE than is owed. When I did answer they threatened legal action. They have been told NOT to all on ANY account owned by Citibank which includes Sears and Best Buy as well!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

Payment made online on XX/XX/XXXX. Payment should have been for {$260.00} but website mad the payment for {$8100.00}. This triggered an overdraft transfer on my checking account to cover the payment. 

Contacted XXXX XXXX on XX/XX/XXXX ( around XXXX cst ) advising that the payment needs to be returned so we could make the correct payment by the due date of XX/XX/XXXX. We asked the advisor to submit the request and he was making light of the situation while laughing as I was crying. I was not confident with his actions but allowed a few days before I made a second call. 

Called back today XXXXattempted 5 calls starting at XXXX and was discounted on 4 of the 5 calls. Finally spoke with XXXX ( supervisor ) on 5th call and advised of the situation. She stated that she would submit a request for a check refund and it could take up to 15 business days. I had her speak to my husband and she explained the time frame. He also asked what happened to the first request and she had no even reviewed the notes on the account to see if a request has been submitted. As a supervisor I believe she should have reviewed the account for any notes to the situation and not just try and pawn me off with the standard " it can take 7 to 15 business days ''.

It should not take that long for me to receive the money back as it only took the ACH 1 day to clear my account. I should be able to get my money back before 3 weeks.
Consumer complaint received 2017-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX discharged Chapter XXXX Bankruptcy for a XX/XX/XXXX {$88000.00} home equity loan. Original obligation has not been discharged under Title 11 of the United States Code.
Consumer complaint received 2019-06-27
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)

I have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my report.
Consumer complaint received 2022-01-24
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. (PA)

I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies XXXX, Equifax, XXXX requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Equity Auto Finance, Inc. (FL)

on XX/XX/XXXX i XXXX XXXX entered installment contract ( # XXXX ) ( ACCOUNT : XXXX ) with finance company ( EQUITY AUTO FINANCE INC ) AND DEALER/SELLER ( XXXX XXXX XXXX XXXX ) AT ADDRESS : ( XXXX XXXX XXXX XXXX, XXXX, FL,XXXX. ON XX/XX/XXXX I EXERCISE MY RIGHT TO RESCIND CONTRACT ( # XXXX ) ACCOUNT : XXXX FOR AT LEAST THE FOLLOWING REASONS : WAS NOT PROVIDED WITH THE TYPE OF NOTICE OF MY RIGHT OF RESCISSION UNDER THE " TILA '' TRUTH IN LENDING ACT 12 CFR 226.23, 15 U.S. Code 1635. FINANCE COMPANY ( EQUITY AUTO FINANCE INC ) RESPONDED XX/XX/XXXX VIA TEXT MESSAGE TO HAVE MY LAWYER CONTACT THEIR ATTORNEY. I RESPONDED HAVE YOUR ATTORNEY GET IN CONTACT WITH ME AND PROVIDED MY EMAIL. THE EMAIL PROVIDED BY XXXX AT EQUITY AUTO FINANCE IS XXXX XXXX  XXXX ( XXXX ). THEIR ATTORNEY WAS CONTACTED TWICE AND DID NOT RESPOND. PLEASE BE AWARE THAT AFTER 20 DAYS LEGAL ACTION WILL BE TAKING PLACE IF CREDITOR DONT COMPLPY OR AGREE TO RETURN ALL EARNEST MONEY IN CLUDING DOWN PAYMENT. THANK YOU
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I received a court judgement awarding citibank monetary damages for a debt that I did not incur. I was not given any notice of this debts owed or debt collection. I believe that they have put a lien on property that was previously in my name but does not belong to me.
Consumer complaint received 2022-01-24
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. (PA)

I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies Transunion, XXXX, XXXX requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc. (NE)

This debit is medical, at the time of the procedure I provided the XXXX  authorization for the procedure at the hospital, all other bills were run through the XXXX  but " XXXX XXXX '' who flat out refuse to bill the XXXX  despite multiple contacts from myself AND the XXXX  explaining that all they have to do is BILL the XXXX  with the provided information. The first contact was much earlier but I talked to the biller ( Radiology Consultants ) around XXXX about the incorrect billing situation, and they claimed they would fix the error. In XXXX I began receiving calls from Clear Recovery 2-3x a week and they refused to send me anything in writing on how they received the debt and there was no notice from the biller that the debt was not paid when billed. Upon consulting the XXXX  on XX/XX/XXXX it was discovered the biller had yet to bill the XXXX  with the information provided. They sent the debt into collections without billing properly. Myself and the XXXX  billing department called Clear Recovery and provided them information to bill CORRECTLY. They were also told at the time the XXXX  is responsible for the bill and to stop calling me IMMEDIATELY. I also told clear recovery this in my earlier in the day phone call with them. The XXXX spoke to a XXXX who said the it would be billed correctly right away. On XX/XX/XXXX the XXXX  tried to follow up with Clear recovery, but there was no answer. 

Starting in XX/XX/XXXX Clear Recovery started calling me again, and again I told them I had no outstanding balances, and they would need to mail me anything regarding any debts owed as only USPS mail ( not over the pone due to scams ) would prove a debt. They refused and said they had sent me something. They called from multiple numbers several times a day leaving voice mails. 

On about XX/XX/XXXX I revived a " statement '' from Clear Recovery and sure enough it is the SAME bill that both the VA and I have called on and told them the VA has not been billed and I can not /will not be paying it as I am not the responsible party. The VA again called them, and the biller, and provided the correct billing information XXXX at XXXX XXXX said they would run the information to get the bill paid, however a this time, it still has not been run. 

This company will not stop harassing me for a company that refuses to bill the responsible party, even when the other hospital resources have been paid. 

( All phone calls are recorded by me as Nebraska  is a single party consent state and requires no permission, and can be provided on request, some lasted hours and can not be uploaded )
Consumer complaint received 2022-01-24
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIFOUR FINANCIAL SERVICES, LLC (NC)

I had a vehicle loan with unifour financial and re financed it with XXXX XXXX XXXX XXXX and the payoff for unifour was received late ( XX/XX/XXXX. 
Unifour not only reported 30 days late but also reported a delinquent balance {$15000.00}. This is not correct and XXXX XXXX refuses to correct the information reported as being accurate.the information IS NOT correct and should be corrected immediately as I have photos of my credit reports and emails in which she says she will not change it.I will not settle for anything less than the correction on my credit file and my wifes credit file showing it as paid in full on time.