davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (IA)

On approximately XXXX XXXX, XXXX, I received a letter from " General Service Bureau IncXXXX '', XXXX XXXX XXXX, XXXX, XXXX, stating that they are trying to collect a debt I owe to XXXX XXXX. The last time I interacted with the medical system was to get a PCR Covid-19 test either XXXX XXXX or XXXX, XXXX, at a XX/XX/XXXX XXXX XXXX XXXX The letter claims I owe {$30.00} from XXXX XXXX, XXXX, but I have no record of XXXX contacting me regarding payment. ( I would have expected a bill in the mail, although sometimes it's difficult to know whether it's what you actually owe or if you should wait for them to sort it out with insurance. ) Today ( XXXX XXXX, XXXX ) I logged into XX/XX/XXXX - XXXX XXXX 's online patient portal - and went to the Pay My Bill section. When I attempted to view and pay any outstanding bills, I received the message " You have no accounts with open balances at this time. '' That indicates to me that I do not owe them any money. 

The letter references a XXXX account number, but when I enter this in XXXX 's " XXXX XXXX '' portal, it says that the information is invalid/account not found. I have not been able to locate an account number for myself at all in XXXX. 

I searched the email I have on file with XXXX and there is nothing regarding billing or payment. I will reach out to UnityPoint about this, but I can't imagine why the person on the phone wouldn't find the same thing I did- I have no outstanding balance. 

It's possible that since I have a generic name, " General Service Bureau '' has the wrong person, but I do not want to interact with this strange company that is possibly a scam. The letter really seems to want me to respond by XXXX, XXXX, XXXX, but I don't want them to know they've reached an actual person because it says " We will use any information you give us to help collect the debt '', which indicates that any response will result in further contact. 

I'm happy to pay my bill to my healthcare provider, but there's no way I'm mailing a check (! ) to a 3rd party company I've never heard of. This situation also makes me concerned about the security of my information with XXXX.
Consumer complaint received 2022-07-22
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. (TX)

Hi I am submitting this 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 719tXXXX 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 n 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (PA)

I C System INC is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions I C SYSTEM INC was informed THE FOLLOWING account information being FURNISHED to I C SYSTEM INC and reported by I C SYSTEM INC is in fact inaccurate and they continue to report. I C SYSTEM INC is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, I C SYSTEM INC was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/year>
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (CT)

On XXXX the XXXX of 2020, we called the phone line for Chase Auto Finance to make our first payment on our auto loan. We provided the account and routing numbers for the bank account we were using to pay the bill to the agent over the phone. We later received a statement that reflected our timely payment, but the funds never left the account. We left the requisite funds in the account believing that some bureaucratic lethargy was occurring. 

We were later contacted by Chase Auto Finance by phone declaring that our payment was late and it was due immediately in addition to a late fee. On XXXX the XXXX, we used the debit card to that very same account to pay the bill and the funds were taken. We took the appropriate steps at the onset and were hit with a late fee as well as a late payment report on our credit reports. 

This happened a second time on XXXX the XXXX when we processed another payment by phone with the same account and routing numbers to the same account. Days later, on XXXX the XXXX, we used the debit card successfully once again yet still received another late fee and late payment report on our credit report. 

We reached out to both Chase Auto Finance and our banking institution to make a concentrated effort to figure out just what was going on. While Chase reported the funds returned, our bank reported the transaction never even occurred. We then attempted to resolve the issue with Chase by phone and got nowhere. 

On XXXX the XXXX, we wrote a letter to the XXXX of Chase Auto Finance by way of Certified Mail requesting a resolution complete with our compiled evidence supporting our claim. We received the Certified Mail receipt approximately a week later but have heard nothing in return from Chase Auto Finance, their XXXX, or their XXXX Resolutions Department since more than thirty days later.
Consumer complaint received 2020-12-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

I requested several times to the 3 credit reporting agencies to remove these false debts and that besides that they were unfair, Inaccurate, incorrect, and UNJUST information, please remove this now its over 5 yrs old, as per California LAW statute passed.4 years for a written contract 2 yrs for verbal contract on collections of medical service debts as per FCRA. They also have violated my HIPPA rights by posting medical information in the medical collection account on the public record for my personal credit bureaus and they have negatively affected my ability to financially better my life and my family.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (IN)

We submitted papers for a wire transfer. My husband put his name as the beneficiary when it should have been mine, so my bank charged it back. We immediately fixed the problem and submitted new papers, but now Comenity has locked our account and refuses to release any money. We have called and sent many messages and no one seems to be able to help and they say they have no way to contact anyone higher who may be able to help.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

The XXXX XXXX XXXX XXXX is treating me unfairly. I am trying to legally change my date of birth to remove all old debts and false info which is affecting my ability to receive my USPS mail. They refuse to help me find scholarships and are not helpful. This is affecting my credit score. I think this school is suspect of fraud. 

This is a full time class. I need a large scholarship or loan to cover this.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I paid my rent on XX/XX/24 via ach thru a portal ( XXXX  ). On XX/XX/24 BoA put the funds back in my account causing me to believe I had been approved for a loan. No label with the deposit. The portal charges XXXX for the transaction which still shows on my account, however the other transaction has disappeared. I have screenshots of the receipt and my acct. showing the XXXX charge with no other info. This has caused me almost {$300.00} worth of late fees, embarrassment and frustration. Not to mention I could be evicted due to this being my first full month in this apartment. Help me please!
Consumer complaint received 2021-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

My name is XXXX XXXX, I'm requesting to have my Loan Modification reviewed for accuracy. 
-XX/XX/XXXX- I contacted my lender Pacific Union to advise of my unemployment hardship. At the time I was current and told I would have to let my account go past due in order to receive assistance. 

XXXX XXXX, XXXX, I received a Financial Package to complete. 

-XX/XX/XXXX- I completed The Request for Mortgage Assistance Application.

-XX/XX/XXXX- I received a letter explaining the Forbearance schedule. I made 3 payments dated XX/XX/XXXX - XX/XX/XXXX. 

After my payments were complete, I called to see what the next steps were. I was told someone would contact me, I contacted the servicer several times due to fear of losing my home. I was told that Pacific Union was closing and my loan would be transferred to Mr. Cooper home loans. 

XX/XX/XXXX- Mr. Cooper acquired my loan From the time my loan was transferred I called several times to get an update, months went by and still no progress was made on my modification request. I was told it's being worked on. 

-XX/XX/XXXX- I finally signed my Modification documents I waited almost a year under distress not knowing if my home would go into foreclosure. I did not receive any type of communication or updates on the status of my modification. 

XX/XX/XXXX- I called in to try to refinance my home to get my rate lowered. Due to the Modification my rate was raise to 5 %. 
I was told I had a {$67000.00} balance from my modification. I was in disbelief what started as {$5000.00} of arrears ends as {$67000.00}. I was never informed of the {$67000.00} balance. 

The process started in XX/XX/XXXX, I was stuck in a waiting period as my loan was transferred and sorted out from the previous lender. 

On XX/XX/XXXX - It took so long that Mr. Cooper sent me a letter apologizing for how long the Modification took with a check of {$500.00}. 

It took over a year for my modification to be finalized due to things that were not in my control and I'm being penalized with a large balance because of it. 

I attempted to upload the
Consumer complaint received 2022-09-12
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date Opened:XXXX Balance : $ XXXX Date XX/XX/XXXX, XXXX XXXX Date OpenedXX/XX/2022Balance : $ XXXX Late Dates XXXXXX/XX/XXXX XXXX Balance : {$78.00} Date Opened : XXXX Open Late Date XX/XX/XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, I received a bill from a XXXX XXXX who says that he interpreted ( 2 ) venous duplex while I was admitted. He was paid by the insurance what they allow for that type of service. He called me and asked my to ask my insurance company to pay more and I told him that is what they allow for that service. He then sends it to a collection agency Remex ( XXXX ) XXXX. When they contacted me I told them that he was already paid for his services and that I don't owe him anything. He was not a providing physician for me all he did was interpret the venous duplex he did not perform it. He trying to charge me as if I went to his private office and he used his private equipment and performed the venous duplex which he didn't. The reason I need help is because Remex has put this on my credit report, what can I do to remedy this?
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (AZ)

I have an ongoing problem with my Square Checking account which is still not resolved after over two hours of phone calls. 

I am being charged {$29.00} by Square for a Square Appointments subscription. It posted to my checking account on XX/XX/22. 

The Square Appointments team and Square Banking team keep sending me back and forth to each other ( 8 representatives spoken to today ). 

The Square Appointments team claim I did not pay for the subscription.

The Square Banking teams says they see the money and confirm it's paid, but NO ONE will take ownership of this and help me rectify the delinquency on the Square Appointments subscription.

This is unacceptable. 

Not only that, but the person this morning on the Square Appointments team unsubscribed then resubscribed me and then, even though I asked her if I would be charged and she said no, I was charged but I didn't have the money because I already paid and. I was not supposed to be charged so I had transferred money and paid myself this morning after the phone call. 

6 out of the 8 representative were inept and refused to truly listen. Two even asked for screen shots of my Square Checking transactions which I sent, then they still told me they weren't for Square Appointments. 

This is UNACCEPTABLE and I now suspect some kind of hacking or potential internal fraud. Or at least a serious issue with tracking their bank transactions, which is also unacceptable. 

Please help me with this issue as they refuse to allow me to speak with a supervisor.
Consumer complaint received 2022-09-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 2022-07-22
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. (IL)

They continue to lower my score over XXXX singular issue which is still in dispute. They have dropped my score from 800+ to XXXX  over false information. The account was closed and settled. XXXX refuses to provide me with a valid way to contact them. The phone numbers provided do not lead to anyone and I have already spent hours trying to fix this. The charges were incorrect to begin with.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My requested to block ins not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transaction by me as the consumer : I have the right to privacy on private transactions. I do not consent to eoscore. As a consumer reporting agency you assume a vital role to make sure that all information on my consumer report in accurate, fair and equitable.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MS)

You are in Violation of the Fair Credit Reporting Act. The information you have on my credit report is incorrect and causing a negative impact on my credit, my livelihood, and ability to obtain employment. This has also hurt my ability to get a loan from lending institutions. I did not consent to them doing this. 15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX American woman to do business in this country. I want this removed from my report ASAP!!!
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.