davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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: Harvard Collections, LLC (FL)

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report XXXX XXXX {$380.00} HARVARD COLL {$1700.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (GA)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company. 

!
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( ARS LLC ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( ARS LLC ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (FL)

XX/XX/2021 Company called from phone number ending XXXX. Refused to tell me this was an attempt to collect a debt, after confirming identity. The rep Interrupted me when I attempted to say if this is an attempted to collect a debt discontinue calling me and to only contact me by mail. Spoke over me and Continued to say that it was a personal business matter. Wanted me to confirm personal information. I asked several time what does your company do and what the personal business matter was concerning. Ended call by saying if this is attempt to collect a debt discontinue calling me and to only contact me by mail. 
XX/XX/2021 Called from phone number ending in XXXX. rep refused to give his name or address of the company he represented after I confirmed my identity. Rep wanted me to confirm personal information. I refused several times, as I am not required by law. I asked 3 times if this is an attempt to collect a debt discontinue calling and to only contact by mail. The rep hung up during my 3rd request to discontinue calling. Company has refused to comply with my request. 

This complaint is to serve as official documentation of harassment by the company.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with XXXX XXXX in the amount of {$2100.00} which was XXXX XXXX  of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted XXXX XXXX and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

In XX/XX/2021 I was contacted by a loan officer by the name of XXXX XXXX at Carrington Mortgage Services to do a refinance with them to lower my mortgage payment. I already had my mortgage with Carrington done 2 years prior, Carrington had recently increased my payments. so I requested a refinance and received the Disclosure documents. This was suppose to be an FHA streamline and was told we would be closing in XXXX. On XXXX XXXX was the last time I heard from Mr. XXXX. On XXXX XXXX I called the company after hearing nothing from Mr. XXXX. I was then transferred to a Mr. XXXX XXXX. On XXXX XXXX I received a confirmation number. On XXXX XXXX received information on the closing process for th refinance. On XXXX XXXX received another Disclosure document.. On XX/XX/XXXX, received another disclosure document. On XX/XX/XXXX received an email about an FHA case number. Spoke with Mr. XXXX about paying my mortgage and he suggested I hold off in paying my mortgage because we should close before 30 days On XX/XX/XXXX was cleared to close, then I received another set of Disclosure documents to be signed that night, in which I had technical issues with my computer and those papers didn't get signed that night, and the closing was canceled. On XXXX XXXX received more disclosure documents. On XXXX XXXX received an email that we would be closing on XXXX XXXX at XXXX. Then on XXXX I received an email from Mr. XXXX that the closing was a mistake and we wouldn't be closing on XX/XX/XXXX. Then there was silence no one from Carrington since the closing cancel.On XXXX XXXX I sent an email asking for an update. Received an email back from Mr. XXXX that if we didn't get a closing by XXXX there wouldn't be a closing for XXXX. Spoke with the Supervisor XXXX XXXX on XXXX XXXX explainig that the title company was the hold up for the past 4 month because everytime my mortage balance changes such as paying my mortgage, Carrington has to resubmit the paper work to the title company. I then asked when will this end because I have to pay my Mortgage, He had no answer for when this situation will ever end. On XXXX XXXX I received an email stating that the title company had changed. Something is wrong with all this at this rate it looks like I will never get a refinance closing.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed this item With XXXX XXXX  Because its over XXXX XXXX XXXX in XXXX the results were for it to be deleted from my credit report buts still there and its XXXX
Consumer complaint received 2021-05-20
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. (CA)

XXXX XXXX is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with XXXX XXXX in the amount of {$2100.00} which was XXXX XXXX of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted XXXX XXXX and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.
Consumer complaint received 2023-08-07
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

XXXX ) This company XXXX XXXX Balance {$3800.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). This account that I have no knowledge of led to severe stagnancy in my business ventures. 

XXXX ) This company SYNCB/BRANDSMART POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX This account that I have no knowledge of led to severe stagnancy in my business ventures. 

This company SYNCBXXXX POTENTIALLY NEGATIVE Balance {$3400.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX This account that I have no knowledge of led to severe stagnancy in my business ventures.
Consumer complaint received 2024-02-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

on XX/XX/XXXX I received an alert that my credit score dropped XXXX points. When reviewing it was attached to a Citizens student loan for my son and it was reported 30/60 days late. I called immediately and asked them to resolve as I autopay and have never missed a payment. I was told by 3 separate CSR 's that they also show 100 % on time payment history but they don't see it as being reported late to any bureau. I sent supporting docs showing my credit report AND my payment history. After 2 full weeks their response was " Thank you for your recent credit inquiry. After careful review of your account as required by the Fair Credit Reporting Act ( FCRA ), it has been determined the loan referenced above requires no adjustment because all credit reporting is valid and accurate. '' This is incorrect and even after being provided proof that it was reported to all 3 bureaus they still refuse to adjust. As a loan officer my credit is extremely important to me since I get annual credit and criminal background checks. I am held accountable for my financial behavior since I act as a fiduciary. Unfortunately, some lending institutions do not want to do their due diligence to ensure that their work is correct and it has a major impact on the client. 

Not only have they been getting on time payments but instead of deferring I am paying them back while my son is in school. The amount of time I have had to dedicate to getting this corrected for myself AND my son is ridiculous. It is banks like this that make it impossible for borrowers to achieve their financial goals. If I had a need for a mortgage or a car at this very moment I would have a very negative buying experience in terms of what I would qualify for with rates. Prior to this my credit score was an XXXX. It is time to actually hold these institutions accountable for their lazy documentation and reporting practices.
Consumer complaint received 2022-06-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

On XX/XX/22 I filed a complaint ( XXXX ). During BofA 's review of my complaint, they called and left a message that was so garbled it could not be understood. I still have the recording. I could tell by caller ID that the call was from BofA, but if you call that number back it requires you to enter a valid 6 digit extension or it hangs up. There are no options for a directory or operator or any type of assistance. That's a convenient way to say they called and left a message, but that I didn't call back. Then my complaint closed with the message that I had been provided a response and " You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. ". I was NOT provided a response. I called the number listed many times to ask where the correspondence was sent ( email or postal mail ) and to request it be resent. The call always went immediately to voicemail, no matter what time I called. I left 4 messages ( and called many more times than that ). BofA is demonstrating the same ethics in managing the complaint as they did in the original issue that caused the complaint. Without a response- with with no willingness to respond, it shows they continue to they operate unethically and seek to hide their business practices.They would not respond to my complaint publicly, nor to me specifically. I still hold that they are guilty of my initial complaint, and absence a response, they demonstrate that guilt.
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc (NY)

Hi my name is XXXX XXXX I'm the owner of the XXXX XXXX company XXXX XXXX XXXX XXXX. 

In XXXX of 2021 we have contracted ability network to provide us with a billing software to bill Medicare patients that we provide durable medical equipment to. 

Unfortunately, they were not able to provide us any adequate training. for example, normally when you buy a software the software provider would give you several training sessions, more or less, based on how complicated the software is, then as you start using the software, they are available at least for the first few weeks to guide you and answer any questions that come up, as they always do. 

In this case however, as soon as we signed up they began billing, without providing any training. 

We had to run after them to provide us with some training, finally they scheduled a training day in a couple of days out, in the mean time we were not able to use or even play around with the software to figure it out because we had not been given any log in or anything to even see the billing software. 

Finally we got around to the training date and we got to speak with someone, she told us a whole list of things that we would need to obtain from Medicare so we can start billing, the things we needed were mostly things we have never heard of with very unfamiliar names and terms, we started trying to get them, in the process many questions came up and whenever we needed clarification even on minor things we would have to schedule an appointment for a few days out to discuss, all the while we are continued to be billed. 

despite all of that we continued try 'an make it work, we scheduled, waited, asked, and then scheduled again waited again and asked again. remember, we are still not able to do anything with the software, let alone bill, which that is the entire purpose of the software. 

Finally we thought we got everything they told us we need, we sent it over to them, eventually they came back and told us that the packet we received from Medicare is for the incorrect region, when we asked them which one is the correct region the answer was that they don't know and we should find out our selves. 

At that point we were already tired of this, so I sent them an email asking them to stop billing us, since they are not able to provide effective training and we have so far never used the software, something which they do not deny. 

A little after that email we began receiving emails from them about more training, but we were already tired of this unheard of process, but the bills kept coming. 

Now we received a collection letter of {$1400.00} for something we were never able to use, this is completely outrages.
Consumer complaint received 2020-07-09
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: WELLS FARGO & COMPANY (FL)

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report WELLS FARGO {$380.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've contacted the credit reporting agencies via phone and mail to resolve the issue. Discharged accounts are still being reported on my credit report. Per IRS once the accounts have entered charge-off status and filed as discharged debt, it is now taxable income. INCOME CAN NOT BE REPORTED ON A CONSUMER PROFILE AS DEBT. There is a1099c form and the income is being filed on my taxes.

In accordance with 15 USC 1681-E ( B ) each bureau has the responsibility of reporting maximum accuracy. 

This inaccurate information being reported to my credit profile is severely impacting my credit.
Consumer complaint received 2020-12-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC. (IN)

On XX/XX/2020 I made my car payment of XXXX to Exeter Finance Corp On XX/XX/2020 they called and told me my car payment was past due and I had a balance of {$5300.00}. I asked why was my payment so high and they told me my loan was at the end of the agreement and that I had to pay the amount in full by XX/XX/XXXX. At the time I was trying to get my home and I knew that I could not afford to have another late payment. I had been doing so well. So I thought I could come up with the money I was running out of time. So I went to my bank XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked about a loan. My banker talked to me about my options and she suggested I refinance. So that is what I did. On XX/XX/2020 XXXX  XXXX XXXX XXXX mailed out the check that same day. On XX/XX/2020 Exeter Finance Corp called me and asked about my payment. I let them know that a check was mailed to them by XXXX  XXXX XXXX XXXX. She asked me was it the full payment of XXXX and I said yes she said she was putting the notes on my account. On XX/XX/2020 I notice that on my XXXX  report my credit score had dropped 40 points and 60 on XXXX. I looked to see that Exeter finance had reported my account as a late. I called Exeter and asked could I speak to a manager and the guy asked what was the issue I told him that I had gotten my car refinanced and my check was submitted on XX/XX/2020 and they still reported my payment late. He told me that his manger wouldnt do anything because they didnt receive my payment until XX/XX/2020.
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: EQUIFAX, INC. (MO)

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX XXXX XXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

see attachment : Thank you, so much for your time.
Consumer complaint received 2022-07-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I am a XXXXXXXXXXXX student presently attending XXXX XXXX XXXX which I was not given no date of payment of my student loan because I am not finish yet my graduation date is in XX/XX/2022 and now its on my credit report that I owe which is incorrect and I need your help with this there are others that are incorrect on my credit report please help.