davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (GA)

I received a notice from Medical Revenue Service ( MRS ) on XXXX alleging I owe a debt in the amount of {$530.00}. I submitted a validation/verification of the debt to MRS on XXXX, because I have been a XXXX. They received my request on XXXX via XXXX Certified Mail, disputing the allege debt, advising MRS that I was not the debtor in question. MRS responded to my request of verification/validation on XXXX with an allege bill that I had no knowledge of. I submitted another letter to MRS on XXXX for further verfication/validation which they received on XXXX via XXXX Certified Mail. MRS responded to my XXXX request on XXXX advising me that they are not willing to provide me with any further documents to verify or validate that I am the debtor. They responded with the same allege billing statement they sent on XXXX. I dispute the debt in question and I am not responsible for any portion of the debt that MRS claim I owe. MRS have not and are refusing to verify that I am the debtor and continue to try and collect on an unverified debt. MRS have not proven that the alleged debt is mine, nor have they willing provided me with my request of a ( 1 ) XXXX agreement between me and their client ( 2 ) they have been assigned to collect on the original creditors behalf and ( 3 ) I am the debtor in question. This violates the FCRA and FDCPA, according to the laws of collection practice.
Consumer complaint received 2022-08-15
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. (TN)

Hello Consumer financial protection bureau. I called TransUnion on Saturday to tell them. To open my credit report in Monday XX/XX/2022. She then said ok. She put me on a brief hold and said. I am Opening up Your credit file Today. I said No. I want it to come on Monday XX/XX/XXXX. Then last Until the XXXX and close on that Date. She said No I am Opening your cr dir file Today. And I will close it On the XXXX. I was disappointed. She didn't do what I asked Her To do. As a Result. Three Creditors. Access My account and Ran a credit check. Now these People were Not Authorized to use My credit file. She deliberately set my file up to be Used this way. I did not want the file to be Open until today. It has been used Three times all ready and The One Company I wanted it For. He's Never gotten a chance to Use it Yet. She Opened my credit for fraudulent use of My files and I don't know who thes creditors Are?. I asked her not to Open it and She went ahead and Unfrozen my Account. Without My Permission. Pleas look into this matter and cite these people for this matter. She was wrong to do this to me. I Never asked her to Open my file that Early. She went ahead and done So anyway.
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc. (CA)

This collection company has been properly notified both by mail and fax that the debt they report on my experian does not belong to me. They have been asked to show proof and can not. They have responded to zero request as a matter of fact. Thier phone number listed on the Internet is not valid and I have read horrible things about this same thing happened to thousands of people. It is amazing how little verification is given when C R As ask companies to verify and how much they ignore the law.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I filed Bankruptcy several years ago but my attorney mistakenly did not reaffirm the mortgage on my home. I paid it perfectly for the last 5 years but they said they can not report it to the credit bureaus because it was not reaffirmed. I was OK with that and let it go but the bankruptcy was discharged 5 years ago and now the loan in question was paid off in XXXX of this year. They are still saying they will not report it even though it is no longer on the books. I have 5 years of great credit history on this loan and I want it reported to the credit bureaus.
Consumer complaint received 2024-02-11
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. (NC)

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2023 of an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late in the last 2 years on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-02-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I SUBMITTED THIS ON XX/XX/XXXX and HERE IT IS AGAIN! 

I have a private loan through Navient ( Originally XXXX XXXX ) for my professionaXXXX XXXX school program at the XXXX XXXX. This loan was acquired in XXXX. I have paid on this loan for many many years. Over the years I have had situations in which I needed help or deferment with making payments such as when my mother was sick XXXX XXXX XXXX XXXXXXXX XXXX, returning to school to complete my professional education, job loss and also the pandemic and they have always been very difficult and have refused to offer any help. My small business was greatly affected by the pandemic. I lost 75 % of my business in XXXX and had to take out small business loans which I had to use to pay for these loans. I have continued to pay my loans for years even through times of extreme hardship. I contacted them today to tell them that I have been struggling to get paid by insurance plans for my healthcare services and I needed to ask for help in either a break from payments or lower payments. The representative that I spoke to was XXXX XXXX on XX/XX/XXXX. He said that he could lower the payments from XXXX per month to {$62.00} per month for 6 months but then he required automatic payment from my bank. I don't want to do automatic payment from my bank. I am having difficulty and I need to organize my finances and pay from a source of my choice. I spent considerable amount of time on the phone for XXXX to see what the options were and in the end he came back and asked for an automatic payment to be setup. This company makes me very angry. I have paid on these loans since XXXX and though I have asked periodically for help through this last 13 years they have never been helpful. I also found it extremely problematic that they refused to recognize my in school status. This loan was for an education program to try to better myself and my career. I am considering reviewing this loan with an attorney as I am sure I have paid the loan by now and yet I have only paid half of it down. In the past I have asked them to outline what I have actually paid and they have refused to provide that information to me.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have requested 5 times to have this credit freeze removed. Equifax is not removing the freeze after I have provided the Pin # and the requested personal information. This is preventing me from applying for credit and obtaining a new car loan. The Confirmation Numbers Provided to me are : XXXX from XXXX/XXXX/XXXX XXXX from XXXX/XXXX/XXXX Each time I call, I am told it will be processed in 15 minutes. Its been 4 days and 5 phone calls later it is still not removed. I have also tried removing it online. and I receive a message that it has been processed and it remains in place. They told me their was an address discrepancy. I have also provided Equifax with proof of my address on several occasions. A representative from the dispute department stated the documents were received and verified. Incorrect Address : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (ND)

My report from LexisNexis still includes an Eviction case from XXXX Count District Court in MN which incorrectly included me as a party ( File # XXXX ). I 've attached the document which confirms that I was stricken as a party. I had been removed from the lease before any action had been taken against my former roommate XXXX XXXX. I found this on my credit reports earlier this year and though it took several weeks, I was able to get it all sorted out and removed. Unfortunately, it looks like it 's still appearing elsewhere ( LexisNexis ).
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has violated my rights.

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
Consumer complaint received 2022-02-05
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)

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 Bureau the 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 FairCredit 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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has violated my rights.

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
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}
Consumer complaint received 2017-08-08
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (IN)

There is a double payment to my XXXX from XXXX XXXX and American Express. I have filed a dispute with AMEX fort {$18000.00} and asked that the double payment be reversed. I have provided documentation showing the payment from XXXX XXXX. I filed this dispute on or about XXXX XXXX, 2017.  Thus far AMEX has done nothing to reverse the charge.
Consumer complaint received 2015-10-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I went online to the Bank of America online banking to view my mortgage account. On my Summary account page it shows double the amount that it should. Today XXXX as mentioned my online banking accouunt shows XXXX identical mortgages and a zero balance for my Principal Forgiveness mortgage. No on has been able to explain why my online banking page shows XXXX mortgages or why that page shows a balance of XXXX dollars. I have spoken to XXXX representatives in XXXX different departmments and no on has answered my question. BOA was forced into the Principal Forgiveness Program apparenetly due to unsavory practices. I wonder is this another? XXXX associate at BOA stated that my present mortgage balance was XXXX dollars. Another associate stated that my mortgage balance was XXXX dollars, yet online shows XXXX dolllars. I am a XXXX veteran and I unfortunantely suffer from XXXX and I get VERY VERY upset when professsional ethics are in question. Especially wjhen the representativess can not clarify nor rectify THE ( IR XXXX mistakes. Any help will be greatly appreciated.
Consumer complaint received 2020-06-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Bk of amer has been reporting inquiries on my report without my consent for a while XX/XX/XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX please stop this from happening more and take care of these egregious acts.
Consumer complaint received 2017-08-14
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: Experian Information Solutions Inc. (NV)

I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. Please help.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$170.00} they have showing on my XXXX, XXXX and XXXX credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You
Consumer complaint received 2015-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Collections Enterprise, Inc. (VA)

They called me, then asked me to give my phone number so they could identify me. I refused, since they called my number they should know what it is. It seemed to be about debt collection, but I have no unpaid or overdue debts. Now I get a call from the same number at least once per day, but no one is on the line when I pick up. THe phone number they are calling from is XXXX
Consumer complaint received 2020-06-01
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. (GA)

XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX  XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX  XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX  XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES 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 US BKPT CT  GA XXXX CHAPTER XXXX REF # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, Transunion, and XXXX are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy XXXX for the District of Maryland stated that they did not provide information to XXXX and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus XXXX, XXXX XXXX, Experian as open. There is currently a legal action taken for fraudulent activity.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus Equifax, XXXX XXXX, XXXX as open. There is currently a legal action taken for fraudulent activity.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

THERE ARE LATE PAYMENTS IN THESE ACCOUNTS THAT ARE INCORRECT, I ALWAYS PAY EVERY ACCOUNT AND I NEVER WAS LATE. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  account, XXXX has violated my right to privacy Under the HIPPA law, A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instructions