davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MD)

I had anesthesia procedures during XXXX and XX/XX/2020. During those procedures, I needed to receive anesthesia. I was asked to provide my XXXX card because I was told that XXXX would pay the providers ; I also have secondary insurance and that info was also provided. My physician and the facility both received payments via XXXX. Apparently, The XXXX XXXX ( the Company ) did not receive payment.

I learned of the non-payment when I started receiving bills from the Company. I called and inquired but was told that the Company had submitted claims to XXXX numerous times and the claims had been rejected rather than processed. Initially, they agreed to try again after I determined that the other providers had been paid. I noticed that bills I had received from the Company had been addressed to a person with a name similar to mine but not identical to my name. The name used included a suffix that is not part of my name and therefore is not on my XXXX card. Because I thought that might be a reason for the problem, I called and pointed out the problem but the erroneous billing continued. I sent letters to the Company informing them and asking them to stop billing me. One of the letters is forwarded with this complaint.

The Company forwarded bills to National Recovery Agency ( NRA ). After that, I spoke to NRA and forwarded part of my correspondence with the Company. NRA subsequently informed me that it had returned the bills to the Company without taking any action. But that did not stop the Company from billing me. When the bills continued to be sent, I contacted XXXX. A XXXX representative informed me that the Company had finally submitted a claim that was eligible to be processed. The representative additionally informed me that the claim had been denied because XXXX received it too late and that I was not responsible for paying any amount whatsoever to the Company. A transcript of that chat is included with this complaint. The XXXX representative also offered to send written documentation, which I subsequently received. Relevant pages from the documentation are also included with this Complaint. The representative also stated that the Company had been informed.

I continued to receive bills. I wrote to the Company to remind the Company of the XXXX action. The Company once again did not respond. 
At some point, the Company again sent its erroneous bills to NRA. NRA caused collection notices to be included in at least the XXXX credit report and possibly other reports. My credit rating has been seriously adversely affected. I have forwarded documentation including items forwarded with this complain to NRA. NRA has declined my request to withdraw the reports it has recently sent.
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CO)

On XX/XX/XXXX I received a fraud alert text message. This text message didn't feel safe, so I checked my account. There were multiple fraudulent transactions. 

I ended up calling into customer service at XXXX MST as I get up early for work and ended up waiting over an hour on hold to talk to anyone. When I did they told me they couldn't dispute the fraudulent charges until they posted and canceled and sent me a new card. 

When I got the card a few days later, I couldn't activate it. The activation line was not working. I ended up trying their chat, which wasn't answered for 17 hours. Another over 12 hours later another customer service rep got ahold of me in chat and activated my card. 

This is all background info and would have just been customer service and management issues up until this - when I complained and asked why I couldn't get customer service for my all online bank I was straight lied to by their representative. They told me that the bank had recently run a popular promotion and that's why there was a shortage of reps. The next morning, I started seeing complaints and new articles online where a large amount of others all from the same bank were complaining about fraud charges. The bank also put out a public statement online saying this was a problem for all banks and nothing was systematically wrong, which seems obviously misleading and unacceptable for a financial institution.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (MA)

I opened a savings account with Affirm in XX/XX/2021 and transferred all of my savings into this account. On XX/XX/XXXX, without warning, Affirm locked my account and denied me access to withdraw my own money. When I spoke with Affirms customer service, the representative said my account was locked for security reasons and sent me a set of questions to respond to as well as a list of documents to submit. I responded to these requests and when my account was not reopened, they sent me a new set of questions and requests, again saying it was for security reasons. Each time I responded, they said I needed to wait 5 business days for a decision. When they ran out of questions, they said that the online withdrawals were not going through because of technical issues on their end. They then promised to do a manual withdrawal, but this also did not work. The withdrawal would show up as in process in my account and then disappear before completion. The reason they stated for this was that there was a different name on the account that I requested money be transferred to, which is not true, and then they started asking for copy of documents from the bank I want to transfer my money to. To date, I have opened several complaints with customer service, and they were all closed without being resolved. All the records related to my withdrawal requests have been deleted or disappeared and customer service says there is no record of any attempt to transfer funds. Despite answering all of their requests and following their instructions in good faith, I have been unable to access my money for over four months while they have the ability to use my money for other purposes. I am concerned that despite all of my efforts, I will not ever be able to get my money back from Affirm. I am a United States citizen, however, I feel that Affirm is trying to take advantage of me since I was not born  in the US and have an accent.
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WA)

Company reported me 30 days late when I was on automatic withdrawal. 
I never had a 30 day late. I am requesting that the XXXX request all payment history in writing from Credit Acceptance. This will show there was never a 30 day late and I am asking them to correct this or I will escalate the issue. 

Further, in the beginning of the loan. If payments were received after the due date, they took the money ( late fee $ ) from the payment 1st, then apply the remainder interest and then principal last. 

Towards the end of the loan, they " stopped '' this practice.. And stopped collecting any late fee 's from the automatic withdrawal payments and " rolled them over '' The account was on an automatic withdrawal for years.. If I was running late, where are the letters requesting payment of the fees? Why did you not collect any fee 's from my automatic payments. 

Further you can see late fees in XXXX Again, when payments are not received in the grace period, they took the incoming payment and applied any of the payment towards the LATE FEE 'S first, then the remainder to INTEREST, and whatever was remaining to principal. I am not sure when they decided to switch that and " roll over '' fee 's for months.. It's unethical and illegal. If this is not fixed, I am filing a lawsuit.
Consumer complaint received 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 2022-05-02
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: Advantage Financial Service LLC (Idaho) (ID)

I have things on the that I have disputed were from identity theft but have not been taken off.it is effecting my credit from improving. My identity was stolen off XXXX and XXXX refuses to remove it. Ive had to reple my phone & phone number such a mess!
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Company name Transunion XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX fin XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 Called the company to dispute these inquires, i was told to reach out to the credit bureau for removal called Transunion and the rep was unhelpful and refuse to remove the inquires which i did not give consent for my credit to be used.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

I went to a XXXX  visit doctor on XXXX at XXXX. However, XXXX is charging me {$260.00}. I called and explained the problem at least 2, 3 times. They said that it was the code that the doctor used for the visit. I sent the email to my doctor, and I was told to call the billing office. I called it again and I never heard back. 
Now I am receiving the bill from Progressive Management System, a debt collector.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, XXXX, I returned a XXXX XXXX XXXX at the end of the three-year lease. 

XX/XX/XXXX, the California Dept. of Motor Vehicles sent a Notice of Delinquent Renewal and a fine because XXXX failed to notify DMV that they took possession of the car. I cleared that up with DMV. 

XX/XX/XXXX, my credit monitoring service notified me of a Delinquent Account due to XXXX, and my credit score went from XXXX to XXXX. 

XXXX said I owed a {$400.00} disposition fee and {$65.00} for excessive wear, a total of {$460.00}, and that bills were mailed to me. I said I did not receive any mail from XXXX. I check my secure mailbox daily and the USPIS said there were no reports of mail theft at my address. 

XXXX said they called me but did not leave messages as per the law. As per the XXXX Police Dept. Financial Crime Section, that law applies to telemarketers ; XXXX and I had a business relationship and they should have left messages. 

XXXX said they don't send notices via e-mail. I reminded them I paid my bill and had other electronic transactions with them. 

XXXX XXXX, XXXX I received a bill from them and mailed a check to XXXX. 

XXXX XXXX, XXXX as per my bank XXXX transacted my check. 

XXXX XXXX, XXXX my credit monitoring service notified me that XXXX made the Payment Status CHARGEOFF, and my credit score went from XXXX to XXXX. 
I sent several letters to XXXX asking that my credit be repaired. 

XXXX XXXX, XXXX I received a letter saying XXXX XXXX XXXX record reflects that on XX/XX/XXXX we received a final payment in the amount of {$460.00} on ( this account ). At this time your account status is paid in full and closed. 

I filed complaints with the Federal Trade Commission and the California Dept. of Business oversight because XXXX XXXX is located here, but those efforts hardly improved my credit score. 

In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX for Conflict Resolution. Last week they finally got a response from XXXX that the company does not have my records and to challenge my score with the credit agencies. 

To this day, XXXX continues to send me maintenance reminders and sales notices related to the leased car I returned.
Consumer complaint received 2021-09-13
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)

fcra violaitons remove it : not mine : XXXX/DEPT OF ED Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Open. 
XXXX/DEPT OF ED Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$830.00} Status Collection account. {$830.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX kentucky XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account : XXXX Number XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, number : XXXX which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MO)

I received an email from HSN stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on XX/XX/XXXX to be drafted on XX/XX/XXXX. I received a confirmation email after I scheduled my payment which Ive attached to this message. I called customer service and spoke with a young lady by the name of XXXX. She advised me that she could see that I had scheduled a payment on XXXX to draft on XX/XX/XXXX and she was sure as to why they never drafted the payment. She also advised me that this missed payment has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix. I advised her that was unacceptable as I was in the middle of refinancing my home. She told me there was nothing they could do about it. I asked to speak to a manager. She then transferred me to XXXX who immediately came on the line rude and uninterested in my issue. He immediately began ranting about what XXXX had already told me and said there was nothing he could do. He interrupted me each time I tried to speak. I also advised him that waiting 1-2 months to update my credit report was unacceptable as I was in the process of refinancing my home. He again said there was nothing he could do but to put my request in the system. I then asked him how is it that your company can make a mistake and if affect me and not you. He seemed irritated that he even had to take my call. I would like my credit report updated IMMEDIATELY and any fees removed from my account. They should not be allowed to treat customers this way. They mess up and there arent any repercussions and the customer is the one who pays the cost. Its RIDICULOUS! I also would like someone over XXXX to reach out to me in regards to his behavior! This is unacceptable!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am in disagreement with the account listed below, which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX XXXX / XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2021-11-21
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$1600.00}
Consumer complaint received 2022-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I was only informed about the change in servicing when Navient deducted almost {$2000.00} for a payment I thought was paused nationally. Now, I am not unable to upload application documents on Navient, and completely unable to log into XXXX. Phone calls are never answered, no call back. I need to submit application information for new payment terms and have no way to do so before additional funds exceeding 15 % of my discretionary income are taken from me, or I go into delinquency. Navient sold this debt to collect during a federal pause, and have now made it impossible for lenders to apply for affordable payments. This is such an abuse of the system and creates great harm to all borrowers.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Please see the attached letter to Mr. XXXX XXXX, Chairman and CEO, JP Morgan Chase detailing Chase Bank 's failure to perform its fiduciary responsibilities in protecting the funds of XXXX XXXX, a XXXX year old vulnerable adult.
Consumer complaint received 2023-01-19
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: CLGF Holdco 1, LLC (FL)

I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

On XX/XX/XXXX, I went to see a primary doctor affiliated with the XXXX XXXX. For that service, I received a bill for {$240.00}. My insurance company XXXX paid {$70.00}, and I paid the remainder of {$170.00} on XX/XX/XXXX. Thereafter, I received another statement for {$140.00}, listing an " adjustment '' of {$41.00} to the previously billed amount. Nonetheless, I emailed and called XXXX to inform them that this bill was paid in surplus of what I owed ( since my payment of {$170.00} is {$37.00} over the actual amount I owe ). This also begs the question of this hospital 's billing system since the first bill I received was in error on their part, and for an inaccurate amount! Rather than to rectify this issue, on XX/XX/XXXX, I was notified that XXXX sold this account to a collection agency called PMS ( Progressive Management Systems ). Upon learning of this, I immediately sent them proof of payment with an explanation of what had occurred thus far with XXXX. On XX/XX/XXXX, I received a letter from PMS stating that the payment was not credited to my account, but rather, this payment was " applied to ... outstanding balance for date of service XX/XX/XXXX ''. When asked for proof of their claim, there was NOTHING forthcoming because this was simply not true! 
Evidence substantiates the fact that the payment was made in surplus of what was owed. It is the hospital that has their information incorrect. The date of service for the payment I made is XX/XX/XXXX, not XX/XX/XXXX. 

Again, I submitted evidence which I previously provided to the collection agency and the hospital. Everything I submitted had the SAME INVOICE NUMBER plus the SAME DATE OF SERVICE!!! 

Despite my numerous attempts to clarify this matter, both XXXX and PMS continued to ignore me. Instead, on XX/XX/XXXX, I received notification that a derogatory remark was placed by XXXX on my credit report. As you can see from the attached documents, I have attempted numerous times to resolve this with with XXXX and the collection company. It obviously did not go anywhere as they failed to assist with this issue. 

I have also sent both XXXX and the collection agency a statement from XXXX that clearly states the date of service, XX/XX/XXXX, and the amount paid by my them, leaving me with my responsibility of {$170.00} which is exactly the amount I paid on XX/XX/XXXX. 

Currently, I'm having to spend my time trying to dispute their negligent placement of this account with the credit bureaus. Their negligent act has damaged my credit score and has opened the door for detrimental consequences to come.