davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C. (WA)

I was completely unaware that there was even any medical debt in collections as i 've never recieved anything from the XXXX XXXX XXXX saying that i owe anything to them, nor do i recall ever incruing any medical bills in the time frame that shows up on my credit report. There are three seperate instances of a debt claimed to be owed by them for XXXX, XXXX, and XXXX respectively. 

The claims were filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am unsure if this is when i was supposed to have actually incrued the debt or if this is when the debt was sent to collections and a claim was submitted, but no matter the case i was never contacted or given notice by them in any way that there was a debt and do not recall ever being in need of medical assistance not covered by my copay at any point prior to the dates these claims were made.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing sent a collection letter in which I replied seeking verification in the form of a signature. They have not sent the requested documentation and illegally added this account to my credit report.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I have a XXXX ( " XXXX '' ) XXXX issued by TD Bank, which has been open and on auto-pay with no issues since XX/XX/XXXX. On XX/XX/XXXX of this year, my automatic payment went through as scheduled but was returned from my bank due to a checking account error. As soon as I saw the returned payment on the XXXX XXXX online management page, I sent an additional payment to ensure that I would meet my minimum. XXXX charged me a {$27.00} fee plus interest for the auto-payment. I called XXXX support and asked for a courtesy refund of this fee. The representative initially agreed, and then after putting me on hold, said that she was only able to assist with late fees and since I had already made another payment she would not be refunding the {$27.00} fee. I transferred to a supervisor with the same request, who said this was not refundable because it was a returned payment and that I would need to speak to my bank to get it waived. I called my bank and spoke with a representative who said that they are not able to help and have no control over the fees on the XXXX, Now I 've been bounced around by the support from XXXX and I still have the additional fees and interest!
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (OH)

This is the email I sent to Collector XXXX, Yet Have no get response from her yet Dear XXXX : Attached please find the attachments from XXXX XXXX and XXXX XXXX  As you can see before doing any procedures the provider will give you the detailed charge for the patient and insurance part. 
XXXX did not give me anything about the {$3000.00} charge for bone graft. the dentist told me that one tooth implant costs about {$200.00}, I should pay about {$1000.00}. the rest 50 % insurance will cover. 
If they can give me such details like XXXX XXXX and XXXX XXXX gave I will not do such a bone graft since the dentist told me the implant total cost is {$2000.00}.. 
Also if not I insisted on calling XXXX. XXXX will not pay such money one year later since the provider can not give the documentation XXXX asked for. 
If they can show me the detail charge about {$3000.00} for bone graft charge before procedure, and my acknowledgment ( I signed ) I definitely should pay the cost whatever they did I will also send response to CFPB Thanks XXXX
Consumer complaint received 2020-09-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent Equifax the attached letters over 30 days ago now and they have not responded. I have a BK that is over 10 years old that I want removed bureaus because it has past the statutes of limitations and is in violation of FCRA.
Consumer complaint received 2017-12-19
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. (TX)

i have reached out to transunion several times and even send out letters regarding inquiries that they are reporting on my credit report. the last letter i sent i received a blank letter with nothing removed and the following inquires still remains. 
1.XXXX 2.XXXX XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XX/XX/XXXX XXXX Transunion should know that they are reporting not yet proven compliant information. TransUnion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. i informed them that i did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting AcT section 1681b ( c ) and a serious breach of my privacy rights. i requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. 
Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website *does not work*. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.
Consumer complaint received 2022-04-27
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: Stellantis Financial Services US Corp. (AR)

First Investors Servicing Co. XXXX XXXX XXXX sold - XXXX XXXX In accordance with the FAIR CREDIT REPORTING ACT, First Investors Servicing Co. has violated my rights. 
15 USC 1681 section 6028 states I have the right to privacy. 
15 USC 1681 section 6048 section 2 also states a consumer reporting agency can not publish an account without my written instruction.
Consumer complaint received 2022-04-27
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.
Consumer complaint received 2021-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (LA)

The company allows a one time deferred payment over the life of the loan. I did a deferred payment XX/XX/2021. When a customer deferred a payment is just extends the XXXX. The company reported to the credit bureaus incorrectly a late payment for XX/XX/2021 causing my credit to drop significantly, and payment history to go from 100 % to lower. They also are reporting incorrect balance left owed. I have called their customer services but they were of no help and wouldnt fix this with reporting to credit bureau.
Consumer complaint received 2021-03-27
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 (CA)

I don't even know how to start because I'm trying to get this resolved since XXXX. Bank of America inaccurately reported a 30-day delinquency in this credit card account ( closed now ) back in XXXX. I had no idea about this information until I got my XXXX credit reports and right after I requested to open an investigation. I spoke probably to more than 50 supervisors ( I'm not kidding ) and I lost count of how many regular people from customer service who had no clue what they we talking about. Usually I spent an average of 1.5hrs every time I called Bank of America . 95 % of the supervisors could tell that this investigation was already closed/resolved back in XX/XX/XXXX HOWEVER, for some reason BOA has never done or submitted any requesting to adjust the wrong information. 
I have never been so XXXX  in my life. For years my credit score has been hurt, not even my mistake but others who don't care at all. BAO for a while blamed the credit report agencies for not updated the adjustment, that according to them was sent a lot of time before. I spoke to ALL the agencies a lot of times ( phone and letters ) and they never received ANYTHING from BOA. BOA lied to me every single call, ALL supervisors promised at the end of the calls that this is now resolved, they promised to give me a call back, they promised to expedite and resolve this inquiry. Honestly they don't care at all and they don't do anything. The last time I spoke to this supervisor, she promised that this case will be fix in 3 business days and she also promised a call back to follow up. ALL XXXX. At this point I really hope that this complain can help me. 
I don't know what else I can do and I need help. I have never missed one payment on ALL my accounts this is totally a XXXX. I'm tired of being XXXX
Consumer complaint received 2020-09-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is reporting inaccurate unverified information on my credit report i have disputed the inaccurate information with no luck to today i am submitting a dispute with the source of their verification which doesn't reflect any bankruptcy being reported on my file
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal, as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The Orange Coast Company, LLC (CA)

Financial Institution Fraud Orange Coast Title On XX/XX/XXXX the Orange Coast Title company along with XXXX XXXX made an Unauthorized Wire transfer to my XX/XX/XXXX Mortgage Loan Account for {$280000.00} My XX/XX/XXXX Mortgage Loan Account does not have a Successor in interest and I am the sole borrower on this Account My XX/XX/XXXX Mortgage Loan Account has nothing to do with aXX/XX/XXXX XXXX XXXX Forclosure that took place in XXXX. Monthly Payments to my XX/XX/XXXX Mortgage Loan Account continued uninterrupted before, AFTER and during the XX/XX/XXXXXXXX XXXX Forclosure. 
XXXX did not issue a demand for payment from the Orange Coast Title Company
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.
Consumer complaint received 2019-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

After the impact of hurricane Florence here, I was placed into forbearance in XX/XX/2018 to get back to normal. During the time of trying to research our situation, I was notified by the insurance company that was supposed to be providing wind and hail insurance, that coverage had been cancelled due to non payment from the escrow account of the mortgage company ( Pennymac ). No notifications had been presented to me and the mortgage company was completely unaware of the situation. This insurance is required for our geographic area. No force placed insurance was offered or placed on the property which lead to all damages that happened during the natural disaster had to be paid cash out of my pocket. While under forbearance I was interviewed around the 90 day mark and not made aware that credit reporting was about to start happening while my family and I still tried to get back to normal while saving to do repairs that were not covered by the negligence of the mortgage company. No attempt was made by Pennymac to help me recoup the costs of their mistake and was left out to dry trying to save for repairs from the storm and was left out to dry damaging my credit report. 

Also I have discovered that I was reported 30 days late for the month of XXXX when payment was received ( paying the load off ) on XX/XX/XXXX. Due to the property being under contract and the account needing to stay untouched I did not make a payment thinking the money would be presented to the company on time. My usual due date was the XXXX of every month.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

As I've been the recent victim of identity theft and account take over, I made a request for my CHEX consumer report online. The company has made it incredibly difficult and has yet to provide me with my full consumer report as requested. Their first response was to mail me a letter stating it was required that I call in and provide a security code to have my report sent to me. That was a long and lengthy process. When the report finally arrived, it was void of all data relevant to the score they provided or the reasons for the score. No banking or transaction information was provided at all. Jus a score and obscure reason codes, which make no sense to the average American.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I submitted to Experian all the information they requested ( experian I.D. #, Auto Insurance Bill, Gas Bill, Bank Statement, Copy of Drivers License, A letter with my name 2 previous addresses, and Social Security number ) in order to permanently remove a credit  freeze. As of XX/XX/XXXX, my credit is still frozen with them. I've called their phone number numerous times, only to go through a computerised menu of prompts and then when I reach the specific area to deal with my situation, they hang up. 
I do not know if they've recieved my information. I've also tried to remove the freeze online. But at the end they ask for the same information I've already sent. Is there any way to talk to a person at Experian to at least find out if they've recieved my information? I put a freeze onmy credit XX/XX/XXXX with all 3 credit agencies. With XXXX   and XXXX, it was easy to remove the freeze. Any help you could give me to get my credit unfrozen with Experian would be greatly appreciated.
Consumer complaint received 2021-05-05
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: Specialized Loan Servicing Holdings LLC (GA)

I am requesting my mortgage services to report my payments to the credit bureau. My servicer is Specialize Loan Servicing. I contacted them last month requesting my payments to be reported to the bureaus. I was told that on record it shows that I filed a chapter XXXX bankruptcy. I did file a chapter XXXX in XXXX which was discharged in XXXX. Also. I know by law that cant report but in XXXX my husband and I filed a chapter XXXX repayment plan. We paid our mortgage through the plan and received a discharge in XXXX. I spoke with my attorney about why the mortgage company wasnt reporting my payments. My attorney office states once we received our discharge the mortgage company should be reporting my payments to the bureau. Im trying to get some much needed repairs do e on my home and each time I try to get a loan Im told I dont have a long history of payments. That is ridiculous because Ive been paying a mortgage since XXXX! The problem is theres no record on my credit report.Last week I sent XXXX documents to prove I have a mortgage. Their investigation didnt change anything. So, basically thats why Im sending this complaint to this office.
Consumer complaint received 2021-05-05
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. (CT)

When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX Account XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The vehicle loan with XXXX XXXX XXXX XXXX was wrongfully repossessed in XX/XX/XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC (NV)

Im unaware of this debt youre attempting to collect, I also was not provided with the opportunity to dispute this debt. Nor did I receive proper notification of this debt. If in fact you believe you provided me with proper notification, please send me a certified receipt with my signature on it.