davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (GA)

I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

The event begin occurring as of Thursday, XX/XX/XXXX, at XXXXam. 

A lady, who identified herself as XXXX and calling from a blocked number, indicated that she was a representative from the XXXX XXXX XXXX dispatch office. She then proceeded to ask me if I was home and if XXX was my home address. I told her no, and asked what this was in reference to. She mentioned she was in possession of legal documents to deliver to my home and that XXXX XXXX  XXXX were the legal entity. I then requested for the XXXX XXXX XXXX phone number, and she gave as XXXX. 

I immediately call that number and was greeted by an individual named XXXX. He mentioned a case number, in addition to the amount that was apparently in question. He said that XXXX XXXX XXXX was suing me a credit card amount, dating back to XXXX. He began to become irate when I questioned him about the statue of limitations which I thought was odd. He also indicated that if I had the means, I should just make a payment to him over the phone. This was also a red flag, as I was then asked him why would I do that if the office I called was a law firm? Is it standard practice for law firms to collect payment 'FOR ' entities they represent? I then asked if he was a credit debt collector or law firm, and he replied law firm. I then requested to speak with his lead and he hung up the phone. I called the number back and this time he had a very nasty attitude and indicated that I could not speak to anyone above him, and in fact the reason he gets paid the big bucks is to handle 'individuals ' like me. We ended the call, and I proceeded to call my local precinct. 

I was told by the precinct that no one makes phone calls to individuals from the dispatch office, and neither does the Constable 's presiding office make phone calls to request confirmation of one 's address in order to serve any legal instrument. 

I've also since called the XXXX XXXX XXXX bank to confirm understanding of what was told to me about a particular account, as there is no such card on my credit report. The representatives confirmed that the account is no longer with XXXX and there is no active litigation in process with the company the loan was sold to. 

I have since contacted the Federal Trade commission and all 3 credit bureaus to place alerts on my SSN. However, I'm concerned that these black market cyber pros will take my SSN and try to do something harmful.
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MO)

I have had military health insurance with XXXX since XXXX of XXXX, but was recently kicked off on XX/XX/XXXX because I aged out of the system when I turned XXXX XXXX XXXX. In order to keep the insurance, you need to send verified proof of eligibility and enrollment from your school veteran representative, and it has to be renewed each semester. My veteran representative from my school had submitted the documents on time, and had even tried faxing them multiple times to XXXX, but each month I would call and they would claim I was ineligible, claiming I needed verification. 

I was seen consistently by Modern Physical Therapy, and have XXXX problems with their finance team with this issue, as I explained that XXXX will re-submit every single claim that they've recently denied, as long as they receive that form of eligibility. It wasn't until yesterday, XX/XX/XXXX that I discovered that XXXX had my form of eligibility this ENTIRE time, opening it, but not sending it to be processed, which has resulted in these issues. 

On XX/XX/XXXX I got labs done and a well woman exam at my doctors office, charging my insurance knowing I was STILL COVERED ( regardless of it showing inactive or not ). 

XXXX XXXX took matters into their own hands after getting denied by XXXX and decided to bill me for the FULL amount of {$1000.00} which is against the FEDERAL LAW. After refusing to pay the full amount ( because I'm waiting on verification from XXXX ) they sent me to a collection agency. 

In fact, having a collection agency come after me when this entire situation is reliant on XXXX is unnecessary, and XXXX ( the collection agent ) NEVER once informed me of how to dispute, or even gave me the option to dispute the balance. She immediately went into verifying my payment plan, and my debit card for taking {$180.00} a month until they " get their money back '' and that " I can call XXXX and have them reimburse you after you've paid the balance to us in full. '' After setting up the payment plan, she assured me I could access my account online, and see everything online, but every time I try to access my account, it says I run into technical assistance issues and need to contact them over the phone. I have not been given ANY confirmation to my email or phone number, only a verbal confirmation over the phone which makes my warning signals go off. 

I'd like to remind you again, this is balance billing, and it is XXXX. I will not pay any more than I already have, and am hoping you help me get my money back.
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX & XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$620.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

The report on equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  open original balance {$500000.00}. Balance owed {$18000.00} over 120 days past due account number XXXX. On the same report it list XXXX XXXX XXXX  in which purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX closed account paid account as agreed original balance {$500000.00} balance owed {$0.00} however it shows in XXXX  as late payments in XX/XX/23, XXXX
Consumer complaint received 2020-09-18
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. (OH)

I need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote TransUnion on XX/XX/XXXX about accounts that are reporting inaccurate on my credit profile, TransUnion has failed to reply in 30 days or update the information correctly on my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX & XXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I am writing today in regards to my account with Fifth Third Bank Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, Which was during the declared disaster by FEMA and congress passing the CARES ACT to assist struggling consumers. Due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Attached is a credit denial notice from the business claiming denial of credit with merchant XXXX. The credit score of XXXX was pulled from XXXX and the business falsely claims that " unsatisfactory credit experience with other creditors ''. Obviously, this is a system glitch with the business! As all of the major credit reporting repositories do NOT SHOW any collection accounts, no late payments, no bankruptcies! I am willing for the CFPB to EXAMINE all of my credit reports to prove my above statement.
Consumer complaint received 2021-12-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NC)

I was the responsible party since this debt was for my son. At time of billing XXXX neglected to add his secondary insurance ( XXXX ) & therefore a balance was generated. They also inaccurately noted his medical record, not reflecting the accurate diagnosis code. This caused his primary insurance ( XXXX XXXX XXXX ) to not pay the entire balance. I contacted XXXX ( the biller ) and requested that they re-submit the claim with the proper diagnosis and to also bill his secondary insurance since they failed to do so the first time. The account was placed in collection status. They are re-reviewing the claim but the negative reporting of this account in collection status is still not resolved. The collection company, Medical Data is saying I can not dispute the account and that they can not remove or update the account until XXXX calls them. I contacted XXXX and they stated that the collection company needs to contact them. So everyone is passing the buck and no one is taking responsibility for updating this account of my credit report. 

The date of service was XXXX. At that time there was no covid processing procedures, and the hospitals did not have test on site. Upon validation of certain symptoms & exclusionary test, patient would be refer off site to a restricted site for testing. At this time, XXXX XXXX only had 3 test for the county. 

I would like to dispute this collection account. Ensure that everyone processes, bills and codes this account correctly. This is negatively impacting my ability to secure financing for my vehicle.
Consumer complaint received 2020-09-18
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. (OH)

I need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting false information to my credit report for my car loan All 3 credit bureaus shows I had a late payment in XXXX of XXXX I contacted XXXX on XX/XX/XXXX and asked them to fix this. Spoke with XXXX who advised he does not see that I was ever late making a payment and I should report this as inaccurate information and they will remove this information from all 3 credit bureaus.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is reporting false information to my credit report for my car loan All 3 credit bureaus shows I had a late payment in XXXX of XXXX I contacted XXXX on XX/XX/XXXX and asked them to fix this. Spoke with XXXX who advised he does not see that I was ever late making a payment and I should report this as inaccurate information and they will remove this information from all 3 credit bureaus.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX of 2020 I made a cash deposit on BANK OF AMERICA ATM located at XXXX XXXX, XXXX XXXX XXXX, FL. ( XXXX ). During the process of counting the bills the machine gave me error on the screen e stopped it, after a few moments the transaction of finished and a deposit receipt was issued recognizing. the error, but the money was short around {$1500.00}. 

I had this stack of money that I was saving for emergency, I wasn't sure how much exactly I have in the stack, but I counted the money in front of the camera I requested they to send me the video, but they refuse to, in the letter I just received telling the they didn't locate the cash they said they were there to help and if I would like to request the copies of the documents they relied on to reach the decision to call them, when I call them they told me that was a general letter and they would only provide those documents if they were enforced to do it.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The credit report is incorrect and not belong to mine. The credit report office not willing to resolve or remove the issue out of my credit report. If the office need the lawyer to inform. What the cost fee will be responsible by the credit office thank you
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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 more then 29 times nonstop this is exhausting 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Consumer complaint received 2021-04-23
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. (PA)

I have ask the three credit bureaus to verify the accounts on my report by showing me a contract bearing my wet ink signature or what laws they have used under Title 15 u.s.c.1681 to verify the accuracy of the trade lines on the report. I have received no response in writing as requested and they continue to report the inaccurate information. This is a direct violation of my consumer rights under Title 15 U.S.C. 1681 as willful noncompliance.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (AZ)

I contacted the company, Healthcare collections regarding an old medical bill. I didn't dispute the debt but asked for a payment plan to clear out the debt. I requested this writing and was willing to set up a payment plan to cure my debt. I am willing to pay the amount owed but I am not getting any assistance from the company. Can you please assist me in getting a resolution in writing for a payment plan? Again I am willing to pay this amount owed I just need a payment plan in writing.