davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc (CA)

MEDICREDIT INC has reported a medical collection to my credit report in XXXX of 2019. I received a collection letter from them a month ago and XXXX a dispute as well as called to dispute this amount within 30 days of receipt of collection letter. HOWEVER, medicredit ignored my dispute and keeps reporting this wrongful collection on my credit. Now I'm getting calls very threatening and rude calls on my cell and at work, stating that I will be arrested or issued a warrant if I didn't pay {$5200.00} immediately. They said they will freeze my accounts and levy my wages and arrest me .... how is this legal to do. I have a full medical coverage, I contacted XXXX  hospital who stated they had no past due balances with then that insurance paid all costs and they are NOT affiliated with medicredit. So this whole collection is a FRAUD. Please help me bring medicredit to justice and remove this erroneous account from my credit report immediately and accordingly
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a credit report for years XXXX through XXXX from your credit reporting company. 

1 ) You have two apartments listed at the same location, I never owned an apartment at the following address : Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX 2 ) I never owned an apartment at : XXXX XXXX at XXXX, XXXX, TX XXXX 3 ) You have several names on this report to which causes concern, I have never signed my name to any document as : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX
Consumer complaint received 2019-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Navient/ Salle Mae has repeatedly misapplied my funds to future payments rather than paying down the balance of the fund when I overpaid. I've called to have this changed several times and discover that things were " accidentally '' applied to future payments. I also had lengthy arguments with them about whether or not the SCRA applied to me before they begrudgingly applied the SCRA to my account. I was also told that the Public Service Loan forgiveness program does not apply to be although because the balance of my loan would be due before the 10-year service obligation was completed. I went to XXXX XXXXl on a military scholarship and have been on XXXX XXXX in the military since I graduated in 2012. Also, although I had money allocated from my bank account to pay off the loan, Navient started auto-deducting and addition {$220.00} from my bank account for approximately 7 months without explanation. While they were drawing extra money from my account, I was already paying them twice the payback amount which they were applying to future payments and not to the body of the loan thereby increasing my future interest payments. I have repeatedly asked for paper statments to prove that these charges are incorrect and they absolutely refuse to supply them under any circumstances.
Consumer complaint received 2019-03-15
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. (CO)

I attempted to correct my name and address with Transunion in XX/XX/2019. I sent in a copy of my divorce decree, my new drivers license with my new name and address, a copy of my new social security card, and a pay stub verifying my new employment and name. It was received and signed for. I have opened two new accounts ( which are reflected on my credit report ) with my new name and address. I have updated my name and address with my banks. I filed a dispute online with Transunion to update my name and address. They investigated and closed the dispute without changing my name or address. 
When I called Transunion and spoke with a supervisor, I was told that they couldn't update my information on the new accounts, but that I had to contact all of my old creditors on accounts that have been closed for years. They refused to use my new accounts as proof, and won't even add my new name and address on to the list of " other names used ''.
Consumer complaint received 2019-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

There was a transfer of funds from my Chase checking account on XX/XX/2019 in the amount of {$1300.00} to an unknown person using quickpay with XXXX. I did not authorize this transaction and immediately filed a claim with Chase claims center on XX/XX/2019 upon seeing this transaction. The checking account was closed immediately and I was told the investigation would take 10 business days to complete. I have repeatedly contacted Chase claims dept. to ask for an update on my case and was told on XX/XX/2019 that no fraudulent activity was found. I asked the Chase representative for proof in writing that I had sent the funds using my devices and they could not provide that to me. My account was obviously compromised and funds stolen from my account. My wife nor I have ever authorized the disputed funds be transferred from our account to this unknown person. I have filed a police report with the local authorities. I am completely shocked that Chase can just state that they found no fraudulent activity and close the case even though I have stated that my account was compromised and that my wife nor I have never authorized the transaction or initiated the transaction! I have yet to receive any documents on the case or proof that I approved the transaction. Thank you for any help you can provide.
Consumer complaint received 2019-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (GA)

XXXX XXXX XXXX XXXX XXXX contacted me in XXXX concerning a debt they claimed I owed for a trip to the ER in XXXX 2016. This was the second collection company to contact me concerning this supposed debt. As with the first company, I submitted the documents showing I had taken out a loan through XXXX XXXX to pay the remainder of this bill off as I had been paying it down. This was the result of an accident, however, the Doctors continued harassing me about the fee so I went ahead and paid it before the settlement. 

The matter seemed to be resolved and I heard nothing else. I asked that I be given written proof that the matter was closed, but as with the previous collector, they just disappeared. Now, I am receiving daily calls concerning this. One day I tell them what happened and they say sorry, and hang up. Today, someone named XXXX informed me I was going to pay and nothing I sent proved it had been paid. The name, the account number all match, so she then told me they have been sending me letters I have been ignoring. I have received one letter, which I responded to, other wise they would not have the documents I faxed to them they claim don't match. When I mentioned they were the second collector to try and collect this she informed me they were the third. I have not heard from any but the first and now XXXX, however, her statement seems to prove my assertion that this is a bogus claim. Why would multiple collectors drop this matter if it was real? 

To simplify matters I then asked her to give me the account number if it was different from what I had faxed to them. She refused. She would offer no proof that this was a different account/bill and she simply kept speaking over me telling me to go their website. She then informed me I was being transferred to a manager and was put on indefinite hold until I hung up.
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HANCOCK WHITNEY BANK (LA)

I paid off my consumer Loan with XXXX XXXX XXXX. Now Whitney Bank is calling me stating the loan was not paid off I owed them {$7.00} and now late fee charges because they have no way to see what XXXX XXXX XXXX did to process my payoff. I told them several times it was paid now they want me to locate the note stamped paid and bring it in to the bank to clear this up. I do not think it is fare for me to have to prove I paid off the loan prior to Whitney receiving the loans from XXXX XXXX XXXX. I did my part and paid off the loan now I have to prove to the company who took over the previous company I paid off the loan because they made a mistake.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following Credit Reporting company below was contacted : TransUnion Consumer Relations, XXXX. XXXX  XXXX, XXXX, PA XXXX, ( XXXX ) XXXX The 1st letter was sent to TransUnion company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed contract with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( e.g XXXX vs TransUnion ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response!

Please see the attach documents for more detail information.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I refinanced my mortgage. The account that I had with XXXX XXXX XXXX was paid in full by XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX multiple time requesting them to update the account as paid. They stated that the person in that arena was no longer with company. I asked to speak to the the replacement. The replacement, Mrs. XXXX, informed me that the company reported quarterly and that it would be reported by XX/XX/XXXX.

In XX/XX/XXXX, I contacted XXXX XXXX again and they transferred me back and forth to different people and neither of them knew anything. Everyone reminded me that XXXX ( the person that reports ) is no longer with them. They suggested I file a complaint with the credit bureau to get them to do their job.

We are now in XX/XX/XXXX and I have two mortgages on my credit report because this company failed to report a payoff. I spoke with XXXX, the guy in charged over the company and he states that I had to send a request to the credit bureau in order for them to report a payoff. I told him " if i were late paying you would have reported it ''. He responded ... contact the credit bureau and request that we submit the payoff. If this was the case, why wasn't I informed to this back in XX/XX/XXXX. XXXX XXXX XXXX sent me a document showing my account was paid off and the balance was XXXX. Every other financial institution report debt, why is this company exempt?

My mortgage has been with XXXX XXXX XXXX since XX/XX/XXXX. It's going on a year that this company has not held their end of the bargain as a financial institution. I'm having to pay because XXXX XXXX did hire a replacement to fit this job description and it's not fair.
Consumer complaint received 2019-03-14
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: Experian Information Solutions Inc. (MD)

In XX/XX/XXXX, I closed XXXX account XXXX when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. XXXX, Experian, and XXXX refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with XXXX, Experian, and XXXX  are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XXXX. Also attached is the current XXXX statement showing that XXXX waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX refunded my account in XXXX and then charged back in XXXX showing how dangerous leaving this account open is to consumers. XXXX, Experian, and XXXXx dispute results are additionally attached.
Consumer complaint received 2019-03-14
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. (IL)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have contacted equifax on multiple occasions about fraudulent inquiries on my report and I get no where I dont even see the things on my report that I did apply for they are very rude and unprofessional and will not help you to prevent or fight fraud
Consumer complaint received 2019-03-14
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: Bread Financial Holdings, Inc. (FL)

On the company 's response letter, the company states that they had payment until XX/XX/XXXX. When I was notified that XXXX was XXXX, I made a payment on the total amount due at the time on XX/XX/XXXX. So XXXX only didn't have payment for 17 days. They should report accurately on my credit, stating that it was late for 17 days, which would be fine by me. But they unilaterally state that, if a payment is " returned '', even after having monies for 60 days in their account, they can state that the account was past due for 60 days, even if the reality does not reflect their measures. 
According to their own response, they had payment, then didn't have it for 17 days, then got paid again.
Consumer complaint received 2019-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

I would love to know how to go about investigating my loans in connection with the current lawsuit Consumer Finance has against Navient. My state has filed nothing and I am certain I could be included in this, federally and/or locally ( KY ). 

Recently, first, I tried to setup my payments for auto pay so I could get the reduction in my interest rate. It took MONTHS. They kept taking the payment then kicking it back. If I were not working for my family business, I would not have had time to do all the work I did to finally get it working. 

Second, I have been submitting payments via my bank ( online ), over and above the monthly payment that is being automatically deducted from my account. My account is setup to direct all overpayments to principle. They have applied them to interest. I can supply you with screen shots showing such. Their answer? I can hardly understand it but I am assuming it is being applied this way because it arrives before my payment is due and they're applying it to my payment, anyway??? This is RIDICULOUS. The last correspondence I received from them says it is being applied correctly. That is all! " Sorry about your bad luck. '' Can you advise me as to how I should proceed? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2019-03-14
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. (MO)

I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 )  XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.
Consumer complaint received 2019-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (SC)

I made telephone calls back and forth to XXXX regarding this dispute beginning XX/XX/XXXX, XX/XX/XXXX. I called because after looking at by bill I found I was being charged for services and for phones that were buy one get one free. I was also being charged for the free phone. During this conversation, I was also told I was leasing phones and they were to be returned at the end of the contract period. I told the representative I wasn't aware of leasing phones and asked to speak to a supervisor. When the supervisor came onto the phone I explained the same about not being aware of leasing phones. And, I would never lease a phone when phones could be purchased. The supervisor then said, I would not have to return the phones at the end of the contract period and they would be mines. He stated this information would be put into the system and to remind the representative when the time comes of his conversation. Back in XXXX I lost my job and could not continue to pay the bills and the service was disconnected. I called on XX/XX/XXXX and asked for a detailed bill of what was owed. This representative also stated I was leasing the phone and they had to be returned. I explained the conversation back in XX/XX/XXXX The representative said the amounts changed every month and he could not give me that information and suddenly the phone was disconnected after a long wait. I called back 2 additional times and the phone disconnected. On XX/XX/XXXX and XX/XX/XXXX a collection letter was sent to the company 's email address for everyone to see in the company that I owed XXXX money. However, one of the representative stated during the XX/XX/XXXX call, the phones had been disconnected and no additional charges could be added to the billing. As you can see from the attachments XXXX  is still charging me monthly. I don't think it is fair a large business should take advantage of the consumer because they can. And, send letters to a company 's email address for all to see. This company lets you know each conversation is being recorded and I am sure all was said was recorded and they should live up to that. In addition, I should be given an itemized bill as requested. I am also sure the the conversation with the supervisor about me owning the phones was annotated in the system because previous representatives verified the information. XXXX should honor what they say and stop taking advantage of their consumers.
Consumer complaint received 2019-06-15
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. (PA)

I called equifax to complain about them putting incorrect information on my credit report that I am disputing all or most of the 8 accounts that I have I called them on the XXXX of XXXX and today on the XXXX of XXXX and was told that they corrected everything on the XXXX but I was lied to about that and then today same thing all I want is to have the information that they put down corrected I wish you can give me advice on how to sue them and take legal action against them I want them to fix everything on my report or I will do everything I can to sue them they have messed up most of my accounts and now I have to call all of them and tell them I am not disputing anything please get them to fix this mess that they created
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc. (MI)

In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information.

4. This consumer is without facts sufficient to form a belief that this consumer has a relationship with your company, and therefore must deny that such a relationship exists.

5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.