davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MiraMed Revenue Group LLC (TX)

I received a letter from MiraMed Revenue Group regarding an alleged debt owed to XXXX XXXX XXXX. XXXX. To that end, I communicated in writing ( see attached ), regarding this inaccurate, erroneous, unverifiable entry. Miramed responded, see attached Please note, MiraMed 's letter is dated XX/XX/2022 ; however, the envelope containing the letter was sent XX/XX/2022, please see attached. This is very deceitful on their part, especially given the content of their letter states they will proceed with collection activity after the 10-day period. Please note, I am a XXXX consumer and receive Medicaid. All of my bills are covered and paid my Medicaid at 100 %. My disputes to this company were an effort for them to communicate with their client because I do not owe XXXX XXXXXXXX. Additionally, I requested they cease any and all collection efforts and return this alleged debt to XXXX XXXX. 

Their aggressive tactics to collect on this alleged owed debt continually cause me stress due to the fact that I know I am XXXX and my medical bills are fully covered. 

MiraMed has very detailed information about my treatment and medical care that violate my HIPPA rights. A third party company should not be privied to any information regarding care and services that are explicit to any medical conditions. Please see attached. This is illegal as information shared with third party collection agencies should be limited in nature and not explicit to the services so as to mitigate discrimination or bias. See attached whereby, MiraMed is clearly able to determine medical conditions. 

It is puzzling to say the least, that MiraMed can threathen to proceed with collection activity when they are at fault and wrong. MiraMed did not furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. MiraMed did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide the name and address of the bonding agent in case legal action becomes necessary. MiraMed blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates when they received the lettes of dispute, MiraMed should return this alleged debt to XXXX XXXX and remunerate me for the violations. 

Again, I am a XXXX consumer receiving XXXX benefits and Medicaid. I know my rights and I know that my insurance covers my bills at 100 percent.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC. (FL)

I HAVE NO AGREEMENT OR CONTRACT WITH COMPANY WHO I HAVE STATED ON MULTIPLE OCCASIONS THAT THIS NEEDS TO BE REMOVED IMMEDIATELY THIS DEBT CAN NOT BE VALIDATED BECAUSE THIS COMPANY HAS NOT PROVIDED THE ORIGINAL CONTRACT WITH MY ORIGINAL SIGNATURE NOR ANY KIND OF PAYMENTS THAT WAS MADE TO THIS ACCOUNT PLEASE PROVIDE OR DELETE IMMEDIATELY
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (MD)

Capital Accounts LlC company added XXXX in interest. And continuing to try to charge more. This was not in the direct contract with the medical provider. They are insisting I must pay a 8.06 % interest rate even though it is being charged by them and not the original dental provider.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (OH)

Goldman Sachs Bank USA is attempting to bully me into paying off a {$20000.00} loan I never took out by filing a lawsuit against me, as of XX/XX/XXXX. But Goldman Sachs had already recognized in XXXX that this was a case of theft of my identity. 
Their debt collection authority, XXXX XXXX XXXX, first contacted my wife and myself on XXXX XX/XX/XXXX. We immediately telephoned them and gave their representative, XXXX, ample evidence that this was fraud, including the police report, filed on XX/XX/XXXX. XXXX assured us that he would tell Goldman Sachs that the debt was fraudulent, and that I was not to be held responsible for it. 
I am a retiree and have lived in XXXX since XXXX ; until this time I have had a spotless credit record, and have no debts. The person who stole my identity ( name, birthdate, social security number ) lived in XXXX XXXX, where the loan was taken out, apparently on XX/XX/XXXX. I have never lived in OXXXX at any time, and have submitted ample evidence to Goldman Sachs to prove it. 
Despite my strong evidence, Goldman Sachs has not taken any action to end their unjust suit, which leads us to believe that they wish to bring me to court just to force me to pay for a loan I never took out. I am extremely distressed that I have to exercise greater diligence to prove that I am a victim of identity theft than the plaintiffs exercised in handing out money to a conman. 
I will attach the police report, the annotated letter from XXXX re. debt collection, and the document filing suit against me, which mentions the date and place where the loan was taken out.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My first statement balance was due for last month with BANK OF AMERICA ALLEGIANT CREDT CARD. Im a new card holder. I did not receive my first statement. I have an excellent credit score and I pay my bills on time and the statement balance to avoid interest charges. I realized it was probably time to pay two days after the fact but because its my first statement I had no way of knowing when. I paid my statement balance but of course got hit with a {$29.00} late fee and {$12.00} interest. To me this is probably what they do to all new customers. Its clear with their refusal to refund the fees being Im a new customer. I feel this probably makes the company a lot of money! Total scam! They said they would do an investigation. Whats is there to investigate? I didnt get it and they will say they sent it. Horrible customer care! I will not be swindled by a company no matter the amount! I want a credit in the amount of {$41.00}!!
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was involved in a non-fault-accident which caused my car to be totaled. My insurance company paid XXXX XXXX XXXX which left me with a XXXX. On my contact I purchased XXXX ( debt cancellation agreement ) meaning they would take care of the remaining balance. XXXX continue to send me monthly statement via XXXX and I was making those payments. A charge off occurs XXXX days off non-payment. I have the payment history. This account should be reported as paid in full as agreed but its reporting as a paid charge off which is false. I disputed with Experian, XXXX, and XXXX, and XXXX XXXX XXXX many times and the account is still reporting as a charge off. The account have no past due amount and no late payment and still reporting as a charge off. 

Violation 1 : Under 15 U.S Code 1666 ( b ) ( 4 ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Violation 2 : Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments there should be no late payments on this account/charge off.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxx, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX and Transunion refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and TransUnion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX  XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}
Consumer complaint received 2022-12-29
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. (NY)

I've contacted XXXX  XXXX  XXXX & they told me I've never missed a payment, yet XXXX and XXXX refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (WA)

This is part-2 of my Initial complaint for this credit card 'FIRST PROGRESS '. This is a secured credit card, meaning I had to fund this credit card with my own money when I first opened it over 5 years ago. This has helped me build my credit score to good standing. But it seems every 1-2 months something is going on with my account and either needs further investigating or causes a scenario where I can not use the card, nor pay my bill. 

And what does this do to a regular consumer like myself? - Well, when roadblocks are setup to hinder me from using this card or paying it off ( I pay 100 % every month ) and they continue to report this type of activity to the credit bureaus every month I get hit with negative points, this causes less of a credit score, shows misrepresentations of me actually paying my bill, and alters the activity on the card itself. 

I am only using the card every month, then paying it off at the end. Like you are supposed to. 

I am now receiving a random letter from no-where that is saying they need a copy of my bank statement to confirm the bank I am using to pay this card every month. While my whole account is on 'HOLD ' where i can not pay or use the card. My complaint is that I have never switched what bank I pay off this card with every month. Nothing has changed, and now I am receiving a letter that is threatening in nature and says if I don't come up with this they will close my account? This makes no sense. 

I have already previously verified and sent in bank statements that prove this is my other bank account a long time ago when I first signed up for the card, then when I added more funds to the card years ago to increase my limit ( again, my own money ). All of these delays and tactics are very disheartening and I can not believe I am the only one dealing with this company in the manner that I have. They have hung up on me, when I drill them for an answer on why this or that is happening on my account. All to never give me a solid answer.
Consumer complaint received 2022-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

I am reaching out for the 2nd time to the CFPB for help in dealing with my mortgage servicing company, Freedom Mortgage. After months of dealing with this bank, making payments and always confirming details, I am now being blatantly lied to again. Back in XX/XX/XXXX, I received a permanent FHA streamline modification agreement from Freedom Mortgage dated XX/XX/XXXX. The agreement showed my deceased husbands name as the borrower and my name as the co-borrower. After the 1st complaint Freedom Mortgage resent me a new agreement on XX/XX/XXXX which I signed and notarized. The executed agreement was returning using the prepaid XXXX they included with the agreement. I am attaching the XXXX confirmation showing this was delivered to Freedom Mortgage on XX/XX/XXXX at XXXX am signed by XXXX XXXX I called Freedom Mortgage and confirmed the executed/notarized modification agreement was received and accepted. I was assured it was. The first modified payment was due XX/XX/XXXX. I made the modified payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. All the payments were accepted. I then received a letter from Freedom Mortgage dated XX/XX/XXXX stating the permanent agreement mailed out XX/XX/XXXX was never received. Please see the attached Freedom Mortgage permanent agreement dated XX/XX/XXXX. I called Freedom Mortgage and they have no record or notes from any of my calls to Freedom Mortgage confirming the agreement was received and even though I have proof it was delivered, they insist it was never received. Now they are stating I owe almost {$30000.00} and my only option is to start all over again as I no longer qualify for a Covid19 FHA streamline modification. Now, I am facing foreclosure with my only option being to start all over again with this nightmare process. Please help.
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Carvana Group, LLC (TX)

Texas repossession laws state the vehicle can not be sold within 10 days, the car was taken on XX/XX/XXXX in the middle of the night on a XXXX XXXX  when calls couldn't be made to make a payment and when account was removed from the app, taken from repo lot on XX/XX/XXXX, sold on XX/XX/XXXX all without a notice of intent provided. I was told it was sent on through certified mail on XX/XX/XXXX, XXXX is XX/XX/XXXX and I still have not received anything. The XXXX and surplus letter were not provided to be after the sale, and I was told on XX/XX/XXXX it was mailed out through certified mail on XX/XX/XXXX. Again, I have not received either of the XXXX and I called and stated that on a recorded line. They would have confirmation that I received it through tracking, or it gets returned to sender according to the post office. The vehicle sold for XXXX and that amount was applied on XXXX, leaving a remainder of XXXX. Why was I asked to pay XXXX in full by the XXXX XXXX XXXX XXXX  lot to receive my car. XXXX XXXX XXXXXXXX XXXX last XXXX of XXXX XXXX XXXX. I was only offered XXXX solution by the charge off department, and that was to do a sales hold of XXXX, XXXXXXXX XXXX a max of two times. That was only offered after it was at the auction and that just prolongs the hold. I believe there was never an attempt to collect past due, they cut corners to get the car back. I have documentation from the credit bureaus stating the XXXX past due reported was 90 days. If they do not report correctly, how I am to trust this? The XXXX XXXX XXXX  doesn't state this, and I spoke with XXXXXXXX XXXX XXXX XXXX  specialist at XXXX on a recorded line on XX/XX/XXXX at XXXXXXXX XXXX, she stated the account was charged off at XXXX XXXX on XX/XX/XXXX due to being 126 days past due, then I was told Text and emails are a courtesy, and a phone call is the most accurate way to communicate. The app is where customers pay, and should have the most up to date, real time info, unless they are trying to hide something. This has impacted my family greatly ; I am unable to get to and from work without my vehicle and obtaining a vehicle with the false information on my credit is hindering me from getting another vehicle. They keep reporting on this account even though it was charged off on XX/XX/XXXX. I made a complaint earlier last month and they attempted to update the info but it's still incorrect.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc. (CA)

I am writing this letter because I believe I have been a victim of predatory debt collection. I have attempted numerous times to dispute this account with all three credit reporting agencies over the past few months to no avail. I have requested written confirmation of the original contract as well as my signature verification of the agreement with the new debt collector from XXXX, XXXX and XXXX. Again, to no avail. The company I am referring to is States Recovery Systems. My current credit report shows an account with XXXX XXXX XXXX in which it reflects a closed account with an outstanding balance of {$2200.00}. However, the account supposedly bought and assumed by States Recovery Systems shows a balance of {$3200.00}, a difference of almost {$1000.00}. I protest the validity and believe they are misrepresenting the amount owed and using deceptive practices inflating the amount of debt on this account illegally sinking this account further into debt. I would like this to be resolved and this company held accountable for their practices. I would like my credit reports to be updated and adjusted accordingly and this account be removed because of illegal practices.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Report Act XXXX ACCT # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank has TOTALLY SHUT DOWN, you can not access your account at all on line to check balances or pay your bill. 

No customer service get a message due to " unforseen circumstances they are closed ''. They have have messages out there for the last two weeks that they are conducting a system upgrade!!! PLEASE HELP!!! this is so unacceptable, they give you NO alternate way of paying your bills, people are scared!!!
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westlake Services, LLC (FL)

ACCOUNT NAME WESTLAKE FINANCIAL SVC Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2022-05-24
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXXXXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.