davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Before I when to the doctor visited I asked XXXX XXXX. XXXX if they took my new health insurance which is XXXX XXXX XXXX XXXX. I was informed by XXXX XXXXXXXX XXXX they did and I gave them my insurance card and information. I also payed XXXX XXXX. XXXX my XXXX $ Copay approximately date XXXX XXXX XXXX XXXX. XXXX send me a bill for approximately {$270.00} for doctors visited and vaccination. I was confused since XXXX XXXX XXXX already accepted my insurance and took my copay. 

I already tired to resolve this problem with XXXX XXXX. XXXX and XXXX. I Complied with XXXX appeal process by writing them a letter, explaining whats going on I also filed all the Proper paperwork, but they refused to cover the bill. I then talked to XXXX XXXX. XXXX billing department I explain to them everything going on and they apologize and agree to remove the XXXX visit from the bill but still tried to charge me for the vaccination shots. 

I refused to pay XXXX XXXX. XXXX since their the ones who made the mistake of telling me they accepted my Insurance when they didnt and then proceeded to send me to collections. 

It is not right that this company can blind sign a customer with a unexpected bill and get away with charging customers without giving them a prices before the service and tell them one thing and then send a bill months later.
Consumer complaint received 2021-11-19
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: CITIBANK, N.A. (TX)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2020-08-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had an account with the XXXX XXXX XXXX ( XXXX XXXX XXXX ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (DC)

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXXXXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN

claims on my credit file. Furthermore EXPERIAN ha
s claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-07-31
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. (FL)

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

15 U.S.C.1681 Section 602 A. 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 furnish an account without my written instructions.
Consumer complaint received 2023-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2023-01-31
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: CITIBANK, N.A. (CO)

I have XXXX late payments on my report from a company that was not my fault. I never received a bill or notification of the bill until it was to late. I have tried fixing the error with the company and explained i never received the bill but have not had success. Trying all avenues to get this fixed so i thought i'd reach out too see if there is anything you can do. Your help is greatly appreciated. Thanks
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (UT)

1. Notifed by my XXXX XXXX XXXX in XXXX he was no longer my Agent with XXXX. 

2. Shopped Insurance companies for auto & rental and decided to proceed with XXXX XXXX as of XX/XX/XXXX 3. Signed into XXXX online client portal to find out how to contact new agent that XXXXXXXX XXXX  business was transfered to. No agent or phone number was shown in system however option to email agent was. Sent two emails through client portal Between XX/XX/XXXX when I told XXXX XXXX I would transfer both Auto & Renters policy to them, and Second when I cancelled the Auto Payment on both accounts saying I'm cancelling this policy please terminate you are no longer my insurance.

4. I received an email saying an amount was due but I thought the new agent simply hadn't processed my email yet. I had legally notified XXXX in writing, twice that I no longer wanted this policy due to the agent change and in a survey I completed I put that I was changing insurance companies due to this.

5. Fast forward to XX/XX/XXXX when I received a collection notice from Credit Collections Services stating I owe them for XXXX XX/XX/XXXX - XXXX XXXXXXXX of XXXX which I had CANCELLED VIA WRITING on the portal 6. Call XXXX main customer serivce line at this point on XXXX and talked to XXXX XXXX and she said she took over the portfolio in XXXX but was never notified that my account was past due or in collections and she would get it back dated. So I have emails showing I sent her how I filed the written cancellation and now XXXX states the emails weren't forwarded to XXXX nor did I show up on the cancellation list that she pulls weekly so I'm just out of luck because I didn't physcally call in. 

No where did it state I had to call in to cancel my policy, only to email my agent and I did so at least twice then called when I receivd a collection notice.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NY)

I currently have a mortgage with Cross Country Mortgage LLC, I received a check from my home insurance company for a claim that damaged my kitchen. It had both my name and the the mortgage company on the check so it needed to be endorsed by the mortgage company. I sent the check to Cross Country and was told it would be mailed back in 5-7days. Since I was told that, I had the contractor complete the work. Well after several calls of them lying every time, the check has still not been mailed out. They received it on XX/XX/XXXX ... .Now they are saying I should receive by XX/XX/XXXX ... .how can I even believe them as they lied every time I call. I have a contractor waiting for a lot of money that I can't pay without that check.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (RI)

Received a Text XX/XX/XXXX at XXXX XXXX  from Central Portfolio Control IncXXXX, regarding a matter that their office is handling. I click the link and add the agency XXXX  XXXX. It then brings me to an account that states I owe an alleged debt for {$10000.00}. The Original Creditor was XXXX XXXX XXXX, assignee of XXXX, who previously charged off the alleged debt. I have no contract with Central Portfolio Control Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between Central Portfolio Control Inc. and XXXX XXXX XXXX, assignee of XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I had a car financed by Wells Fargo Auto since XX/XX/XXXX. Unfortunately in XX/XX/XXXX I was involved in a car accident, I WAS NOT THE PARTY AT FAULT, and my vehicle was declared total lost. At that point the insurance company contacted Wells Fargo to get payoff amount and was working on sending the check. I contacted Wells Fargo the first week of XXXX because the status of the account was frozen and it wasnt letting me pay my monthly payment online. I was told by the agent that I had to wait until the settlement check was cleared in order to make further payments if needed. Check cleared on XX/XX/XXXX for a total of XXXX, leaving a balance of XXXX I submitted the next payment in XXXX, and now they are reporting on my credit that I did not submit a payment for XXXX. First of all, I did try and I didnt have the option online or over the phone due to the status they out after behind notified of the accident. Second, when I called the representative told me to wait for the check from insurance company. Third, they did receive the check in XXXX. So I would like to know how come they do not have all these phone conversations on record so they can confirm what the representative said, and why are they reporting the month of XX/XX/XXXX as NO PAYMENT on my credit score. I have never ever made a late payment before. So unethical, unprofessional and poor customer service.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (OR)

In XXXX there was a collection from XXXX XXXX for an unpaid phone bill that appeared on my credit file. 
I was in the process of refinancing on my Mortgage and all unpaid collection account needed to be paid in full in order to complete the Loan. 
The account was settled. I was told by the XXXX collection department that this will be removed from my credit file. 
Now in XXXX this XXXX account still appears on my report. 
This account does not belong to me.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. 

Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  L Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended.

Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-03-28
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. (OH)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late and was not paid in full. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (MN)

Im receiving phone calls of harassment, profane, abusive, and vituperative language, threats of being sent to jail and prison, and threats of XXXX and death from Financial Assistance , Inc., Debt Collection Representatives for a debt of {$360.00} from XXXX XXXX XXXX XXXX. The debt collection account is not my account. The debt collection account is the result of identity theft. The debt collection account is a fraudulent account and the result of identity theft. Account Number : XXXX. Financial Assistance , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2020-08-29
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (CA)

relative to your response on ticket XXXX " Company still  working '' STATUS " Company response is in progress as of XX/XX/2020 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. '' COMPANY 'S INTERIM RESPONSE " Our review of the matter is in progress and we will respond as soon as possible. '' This eMessage ( see below ) was NFCU 's last response to my concerns, where they told me in written ( my preferred method of communication ) they considered the matter closed. 
As far as I know this eMessage ( see below ) was from Mr. XXXX XXXX, one of the Two VP 's and one AVP who blew me off. Although it was not signed and was sent to me via a Generic eMessage account, not Mr. XXXX XXXX XXXX official work email account. 

Navy Federal Response XX/XX/2020 : " XXXX XXXX, thank you for your eMessage. We regret that we were unable to provide you with a more favorable response. At this time, we consider this matter closed and will no longer respond. If you have any additional questions outside of this matter, please let us know. Thank you ''