davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-12
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. (NV)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Drees Company, Inc. (AL)

Hello, I am in the process of purchasing an inventory new home from XXXX XXXX XXXX in the XXXX, TX area. The XXXX website advertised a promotion offering {$25000.00} XXXX XXXX that could be used at my discretion however only with the XXXX preferred lender- XXXX XXXX. The same promotional advertisement also provided summary level details of a mortgage " buy down '' scenario where your first year interest rate would be XXXX XXXX below market, year XXXX XXXX XXXX below market then lock in at a fixed rate. 

Overall, the promotional offers seemed fair on the surface so I decided to move forward in the transaction. However, issues have now surfaced that are causing me conceXXXX XXXX XXXX XXXX XXXX XXXXte shopped purchasing points with one competing lender and found I could save {$4000.00} at closing. I suspect if I rate shopped more the savings could be higher, however, I am trapped with the preferred lender thus paying a higher rate. 

XXXX ) When I selected the home I was interested in, I was advised it would be completed in mid to late XXXX. On the morning I was to sign the purchase agreement the completion date shifted to " possibly into XXXX ''. Prior to signing I responded back to the Sales rep that impacts would need to be considered specifically the lock period. The Sales rep stated she would email the lender. It appears that communication never took place as I was never provided an answer. I assumed no impact. XXXX XXXX is now pressuring me to purchase a loan at a higher rate to extend the lock period which I don't agree with since I have no control at all over the rate of construction and simply in this economic environment can't spend another {$200.00} a month on the payment. 

XXXX ) Today I find out through research that the home builder XXXX and XXXX XXXX ( the lender ) appear to be the same company. This was never disclosed during the phase where I decided to use the XXXX preferred lender. I am concerned that XXXX and XXXX XXXX financially benefit from a delayed closing and are pushing me to purchase a longer rate lock and a more expensive mortgage. I am also unhappy that their preferred lender is not provided the most competitive rates. 

I expressed my concerns on a virtual meeting with my direct sales rep and her manager on Monday XX/XX/XXXX. My XXXX money of {$32000.00} was threatened when I stated that the financing piece of the transaction did not seem equitable.
Consumer complaint received 2022-10-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXXY ) XXXX Balance Owed XXXX {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Consumer complaint received 2021-01-07
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. (GA)

Someone that I don't know created multiple credit card accounts without my permission. I am suffering from identity theft. I discovered this problem after reviewing my credit report when I was planning on purchasing a new home. 
I don't have any clue or leads where this crime may have occurred. To resolve this problem, I written a letter to credit bureaus and I filed an identity theft report to Federal Trade Commission. Even though I have submitted what I can to three credit reporting agencies, all three companies are still reporting few accounts without validating and verifying account 's originality. I have requested to provide and reviewing the following documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have never received any of these requested documents from the creditors nor the credit reporting agencies. It is a clear violation of FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE ADDRESS 1. XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (MS)

I'm missing a credit card that should be on my credit profile it is on my husband 's credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. It's missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by Synchrony Bank
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (MD)

Conserve has indicated they are in compliance with the Fair Credit and Reporting Act, when they are actually out of compliance. Upon receipt of the debt notification from Conserve, a debt validation and dispute request was submitted on XX/XX/2018. Conserve failed to respond to the certified mail request ( USPS tracking number # XXXX  ) within the 30 day response time mandated by the Fair Credit and Reporting Act. Due, to lack of response mandated by the FCRA, Conserve is not reporting accurate information as mandated in their letter. Therefore, Conserve 's solution to simply report this account as paid, is in fact a violation of the law. If Conserve continues to remain out of compliance, for reporting inaccurate information on my credit report, I will pursue further legal action. I am hoping to have this resolved and deleted from my credit report within the next 30 days.
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

XX/XX/2022 unauthorized money withdrawn amount XXXX. XX/XX/XXXX filed a fraud report and investigation through Citibank. The company told me it will take 10 business days for them to get back to me about their decision in regards to the case.
Consumer complaint received 2022-04-25
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. (NJ)

XXXX XXXX fail to provide FORM 1099-C for a Charge-off// The lender must file form1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter XXXX. 

The above paragraph is taken directly from the IRS 2021 publication.
Consumer complaint received 2021-01-07
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: SYNCHRONY FINANCIAL (FL)

Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.
Consumer complaint received 2021-01-07
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: T.S. Holdings (TN)

I would like to file this complaint on I.Q Data International due to lack of verifying this debt, proof also lack of support in this tedious matter. I feel violated, compromised and devalued as a consumer. 
I was attempting to start the home buying process but after review of my credit report of a collection from my previous place of residency I was denied assistance due to being told this was reporting as an eviction in which I fulfilled my lease agreement so I knew that was untrue. I was very shocked with all sorts of confusion. I spoke with the collections agency after receiving a notice to verify as to why I received a letter. I informed the debt collector in XXXX to validate the debt but no information was given regarding the amount due of {$1100.00}. Even disputed this fraudulent charge due to leaving the apartment spotless so I had no clue why this was happening but no follow up from the dispute regarding. I then attempted to relocate the following year by renting another home but was denied due to the same account reporting negatively with a higher account balance which from what Ive read, once an account has been sold to a collection agency it can not have a past due balance as a collection is past due by default. However, on XX/XX/XXXX I called debt collector again after receiving another notice and asked again to please validate the debt. I was told by the agent the charge was for damage. At this point, I was really puzzled but continually advised there was no damage on my part. There was never a court date for this issue which shouldve transpired if this was so, pictures also a verification letter confirming details of the debt and once again the company has failed to show proof. 

Besides this situation, Ive never had any issues with a landlord and Im a really great tenant who takes care of any residence in which I reside and theres never much of anything to be done to accommodate the next tenant. This fraudulent charge reporting from this account isnt correctly reflecting the person I am nor does it accurately show my actual credit worthiness or trustworthiness as a tenant. 

In addition, this negative line on my credit is preventing me from purchasing my first home, a place where my children can permanently live also make new memories and I just want this nightmare to be over just to eliminate this account from my record. I would like to stress that the negative information being reported is totally inaccurate and fraudulent. I am simply asking that this account is thoroughly investigated because of the circumstances in which this has occurred with no validation of this debt.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

I contacted the collections agency below to advise that this is not my debt. I asked for proof of contract etc. I was hung up on. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX several times and it has not be proved to be my debt no removed. I called XXXX  XX/XX/XXXX asking what should be my next steps. I was told to contact Medical Business Bureau again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Medical business bureau back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Medical Business Bureau. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX  and medical business bureau and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud. 


Medical Business Bureau, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Phone : ( XXXX ) XXXX Medical Business Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care {$220.00}
Consumer complaint received 2021-01-07
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: ERC (OH)

Ive already disputed this account with XXXX XXXX XXXX XXXX and again it shows on my report. I sincerely request and want this eradicated from my report as I have no knowledge of this account and Im a hardworking diligent student. My car got stolen with all my documents inside and I have been a victim of identity theft. Kindly remove this from my report immediately as it hurts my future graduate school admissions and other things while renting out an apartment. kindly remove this ERC collection account away immediately as it has been previously sorted but I dont know why it shows again on XXXX  and XXXX
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

I moved in XXXX and disconnected my cable service with XXXX. There was a last bill and my daughter was still in XXXX and said she was going to pay the bill. She forgot to pay it and I finally learned of this a couple of months after the fact and I then began making payments to resolve this matter. XXXX has been paid in full and this can easily be verified.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (MO)

I have mailed and called XXXX and XXXX  and also mailed Capio Partners LLC about their violations of me and my credit report. They have committed the following FDCPA Violations HIPPA Law Authorization : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Furthermore, they did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I also requested 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) The Agreement that grants you authority to collect on this alleged debt.

4 ) A copy of your state license, including license number that give you rights to collect in my state.

5 ) Please provide a copy of my signature with the provider of service to release my medical information to you.

6 ) Please provide a breakdown of fees including any and all collection costs and medical charges.

Their lack response, they have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights
Consumer complaint received 2022-10-12
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: SYNCHRONY FINANCIAL (TX)

I bought an XXXX XXXX from XXXX online using my paypal credit account, in XX/XX/XXXX week XXXX. I recieved the unit and let them know that I was skeptical about the quality and useability of the XXXX. I reached out to XXXX and they said ok and agreed to refund the payment. to paypal. I went on paypal website and filed a dispute claim to get the charges off of the account. I submitted all of the required email traffic and paypal reverse the charges initially but a month later they refiled the charges saying the merchant had disputed the charges. I called paypal and they said I needed to submit another disagreement. So i refiled all the same email traffic, i have no confidence that these people are going to do what they say, just trying to hope I forget. I have the email from XXXX saying refund will be done in 5 to 7 days.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C. (MN)

XXXX XXXX in XXXX XXXX, MN. Garnished wages for a XXXX XXXX XXXX debt that I did owe. I paid the debt in full. XXXX failed to submit the paperwork to the company holding the funds to have them released or tell the company where to send the funds. Instead, they set up another garnishment for an increased amount due to more interest accruing. Another payment ( now an overpayment ) was taken. They finally had submitted the correct paperwork and had all funds released, including my overpayment, to them. They sent a check, but failed to provide a full refund and kept a large portion of my overpayment. I've tried calling and offered to provide proof that the debt was paid in full on time and no additional interest should have been charged, nor should a second garnishment have been claimed, but they've refused to provide the rest of the overpayment and are keeping it.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

Police reports and FTC report already submitted listing the original creditor , company claimed law enforcement agency reports were not valid unless the collections agency was listed as a separate entry. District Attorney & personal counsel have advised that the companies claim is false, my documentation of ID Theft & fraudulent charges is correct and valid, thus advised to resubmit.
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CO)

On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on XXXX communication. Pursuant to the FDCPA XXXX5 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

On XXXX, XXXX 2021, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe.

I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation . Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.