davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
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)

Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent hacking of XXXX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (LA)

Upon reviewing my credit report i noticed a collection from XXXX XXXX XXXX. I am not sure how that is even possible. I have never been contacted by nor have i EVER done business with XXXX XXXX XXXX. I would like to take ADVANTAGE of my right as a consumer and dispute this account. XXXX XXXX needs to remove this account until i am able to dispute and they 're able to furnish me debt validation where i agreed to do any business with them hence owing them any money.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

The credits are not being applied on my account. On XX/XX/XXXX, I made a return and I should get back 80 dollars. I see it on my statement as green as in credited but it isnt in my account. I had a 23 dollar return credit work out the same way. I showed as credited but wasnt actually in my account. Im not sure where my money is located but its not back with me like it should be. This is a new complaint for a new issue. Not a repeat complaint.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in EQUIFAX so I believed EQUIFAX was not able to investigate this account promptly. Please supply any signed agreement with this company.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

I was told by Equifax that my information may have been " compromised ''. 
I signed up for their identity protection service offered free. I can not obtain access to my account so that I can freeze my credit file. Also I have not been able to obtain access to other credit companies so that I can freeze my file with them. I receive the message " try again later ''.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I've sent several letters out to XXXX XXXX Bank regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (LA)

Settled the account with Jefferson Capital Systems and paid the agreed amountin exchange for the account to be listed as settled in full. After payment the account was never updated and continues to damage my credit worthiness. I reached out them again concerning this account and haven't gotten a response.
Consumer complaint received 2017-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (PA)

in XXXX XXXX i ordered items from roamans clothing. i had free shipping. i returned the items the day after i received them. i was told in an online chat with roamans and via email that i was assessed a {$7.00} fee and would receive a bill soon. i received no billing until the end of XXXX XXXX, at which time a {$25.00} late fee was attached to the {$7.00} fee, i contacted the company who instructed me to contact the card holder which was comenity bank. i did so, but was told i had no account. i next received a bill in XXXX XXXX and the late fee was again applied now taking the {$7.00} return fee to {$51.00}. i again contacted the company which again told me to contact comenity bank which i did. again i was told i had no account and was transferred to XXXX different people/depts. finally i was disconnected. i next received a bill in XXXX XXXX for {$82.00}. which are inflated late fees. i used an online chat with roamans to verify the {$7.00} return fee. was told to contact comenity bank. which i did and the same scenario happened. XXXX different transfers, no account verified. nothing resolved. i have been unable to get this absurd situation corrected and they are reporting this amount past due to credit agencies. an amount i do not owe.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Im Victim of identity theft from XXXX cards, I contacted the XXXX, XXXX, EQUIFAX XXXX and XXXX XXXX to get the information removed from my report, I have uploaded the copy of my SSN, a bank statement, copy of ID an FTC report in order for them to delete the items from my report but, once you talk to the fraud department they become rude when you mention dispute and want to treat me very disrespectfully, dont even let me speak to explain why Im calling, I uploaded them their documents 3 times and they never get it, lastly I sent them certified mail to them so they have no excuse. Ive called them 9 times back to back today, if my issue is not taken care of I will start a legal lawsuit as my family attorney is been suggested me to do.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I spoke with Capital one many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

ok, i never heard of this company and never had any dealing with it, so it came to a shock to me to see this company into my credit report i never had any kind of communications from this company and don't know what this company all about, especially that i m very careful about my credit history,
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Altisource Portfolio Solutions, S.à r.l. (ND)

I been receiving harassing phone calls and death threats from representatives from Nationwide Credit , Inc regarding credit card accounts that are fraudulent and unauthorized. I 'm a victim of identity theft and have been a victim of identity theft for over 30 years. The following credit card accounts do n't belong to me and are fraudulent and unauthorized : Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've sent several letters out to XXXX XXXX Bank regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have duplicate accounts reporting on my credit report. Contacted Navient on numerous occasions to correct the issues. And all I 'm getting is the run around. I went as far as to emailing the XXXX XXXX XXXX. In return he forward my information to a woman from their student advocate department. By the name of XXXX XXXX who lied and gave me nothing but the run around. At this point I 've had it with XXXX and their shady business practices. I have attached email conversation between XXXX XXXX and XXXX. Where you can clearly see her giving me the run around and her making promise that where never kept
Consumer complaint received 2017-09-27
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. (LA)

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?
Consumer complaint received 2017-07-05
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: EQUIFAX, INC. (MI)

On or about XX/XX/XXXX, I sent notice to Equifax Information Services, LLC and advised them of an item reported by XXXX XXXX XXXX. I also advised them that XXXX XXXX did not send me a HIPAA release that releases my medical information to them which definitely violates my HIPAA rights. I asked Equifax Information Services, LLC to delete this item within the required time stated by law. Within the allotted time Equifax Information Services sent me a response saying the account was verified. I then sent Equifax another letter on or about XX/XX/XXXX advising Equifax to send me a  description of the procedure used to determine the accuracy and completeness of the information requested including name, address, telephone number of each person contacted regarding this alleged account and my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Again Equifax failed to do so. They simply responded the account was verified. A third time I sent a letter of final communication concerning the inaccurate entry being reported under XXXX XXXX XXXX, but yet again they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore Equifax failed to send me their method verification, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I advised them that I would be filing a complaint and if they should decide to correct their records and remove the negative false item in question to contact me. Again Equifax sent a letter saying the account was verified with no proof. Therefore I am officially filing a complaint against them.
Consumer complaint received 2017-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (ME)

Purchased a used Toyota from a Toyota dealership in XXXX XXXX, financed directly through Toyota and paid the loan off a year later. In the middle of my loan I moved to a new house and did everything I needed to update my address information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that they would have my correct address and contact information. Fast forward to today and I go to sell my car and purchase a new one and realize I never received the title to my vehicle after paying it off in XXXX XXXX. I called Toyota and they told me they sent the title and lien release to my old address and they are not sure why because they confirmed they did have my new address on file. They also stated they never received my title in their returned mail and have no idea where it is. I tried to order a new title from my state and rush it so that I could have it to sell my car this weekend and my state then informs me that they can not even release my title because Toyota never released the lien and the title is still showing that it has a lien against it. So back on the phone with Toyota who tells me they cant fax a lien release with out me being at the state office which is 2.5 hours away. After some arguing they agree to fax the release but not for 2 business days, so now I have to wait 2 business days to even order a title and wait 10 business days to even receive the title. At this point I will probably lose the sale on my vehicle which will cost me {$13000.00} and I probably wont be able to purchase the new vehicle I intended because I wont have the money for the down payment. 

Toyota is responsible for sending the title of my vehicle to the wrong address after I did everything I needed to do to update my address information with them and now I am the one dealing with the mess. All I asked Toyota to do was rush the release of the lien to the state and they tell me I have to wait in a queue for it to be released and it can not be rushed. I did n't think that was much to ask after the mistake they made by sending the title of my vehicle to the WRONG address. 

Unfortunately I no longer know my account/loan number but my name in their records is XXXX XXXX with my current address of XXXX XXXX XXXX XXXX, Maine XXXX
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.
Consumer complaint received 2017-09-27
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. (NJ)

Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX Payments of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!!
And it should be reported as XX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

I purchased a computer from Conns for XXXX dollars I canceled the furniture & never received it Conns was also charging me for life insurance That I never agreed to when I went into the store to speak with the Manager as to why he did not update my account he told me to get out of his store when I called Corporate multiple times to have them rectify the situation I believe this company has fraudulent business practices Please help me settle this matter I never owed Conns XXXX That would of been the total if I would of not of canceled the furniture Thank You XXXX XXXX
Consumer complaint received 2016-08-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I want to file a complaint against Citizens Bank and their service provider handling my student loans XXXX XXXX. In the FAQ page of their website, it says I can choose to have anything above my minimum payment applied directly to my principal balance. I pay over my minimum balance every month, I called and asked to have a written confirmation sent to me that all of the money above my minimum payment is being applied to my principal balance. They have denied this request for written confirmation and " assured me '' this is the case. I do not believe this is happening on my account as any payment above my minimum balance seems to just to extend my payment date, which leads me to believe they are applying my extra payment amounts to future interest payments and not applying to my principal balance. Even though it states clearly in their FAQs that I have the ability to choose where my extra payment is applied to ... and they failed to do that for me and provide written confirmation that this is what is happening with my account. I would like them to fix this on my account, provide me with written confirmation that all of my extra payments are being directly applied to my principal balance and not being applied to future interest payments and for them to clarify their FAQs so there is no confusion.