davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (MO)

On XX/XX/XXXX I went to the hospital to receive XXXX XXXX. At the time, My XXXX did not offer medical insurance so I had to pay out of pocket and subsequently applied for Bill payment assistance through the hospital. The hospital billed me for their service s within 3months and I was only able to receive minimal relief from the hospitals Bill payment assistance program. I paid the balance of the charges from the hospital in full before the end of XX/XX/XXXX. As far as I was concerned the hospital had been paid. 
On about XXXX XXXX I was contacted by phone from a debt collector claiming I owed an unpaid balance of {$260.00} for XXXX XXXX rendered by the hospital dating back to XXXX XXXX. The original date of my first and only visit to the hospital. 
So after speaking with this debt collector, who told me that our phone conversation would be recorded for purposes of collecting a debt, we had agreed that I would make the first installment of {$100.00} USD and it could be made online. A couple of days later I received a billing statement from their local office stating the name of the hospital and the full amount I owed including my account number of the debt collector and local address and phone number. So I went online to make the full payment but the website would only accept {$100.00} increments per transaction so over the course of 3 days ranging from XXXX I made the incremental payment amounts and on XX/XX/XXXX I paid the final amount of {$62.00} which should have satisfied the payment of the total debt of {$260.00}. However as I have went online to my debit card company and checked the amounts paid out to the debt collector it shows that my card was charged for {$330.00} to the debt collector with the most recent charge on XX/XX/XXXX. An overcharged amount. Whenever I called the local office a few miles away I talked with a service representative who said my account officer would be handling my issue, she hung up on me. So I called the parent office on XXXX XXXX located in florida and I was hung up on once again the call I made to Florida was placed at about XXXX XXXX their office closes at XXXX XXXX. Noone from the company is handling my issue and I keep getting hung up on. Whenever I called the hospital directly they have no record of My Bill being delinquent nor do they have any unpaid balances.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I am writing to express my deep concern regarding the recent closure of my USAA account. Despite multiple instances of my account being compromised due to security lapses on USAAs part, I have consistently taken all necessary precautions to protect my account. Unfortunately, these breaches have occurred repeatedly, highlighting a significant issue with the security measures in place. 
To my dismay, USAA has decided to close my account without providing a clear reason. This decision has been made despite the fact that the security breaches were not due to any fault of my own. Additionally, I am facing difficulties with the processing of my insurance claim for my apartment, which remains unresolved. 

Following my XXXX XXXX in XXXX, which affected my memory due to an XXXX, I have observed a noticeable decline in the quality of treatment I have received. I believe this change in treatment is unjust and may be influenced by my being XXXX. 
I kindly request a thorough review of my situation and an explanation for the treatment I have experienced. It is crucial that all people receive fair and respectful care, regardless of their background. 

I kindly request a thorough review of my case and a detailed explanation for the account closure. Furthermore, I urge USAA to address the pending insurance claim promptly.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (FL)

I was advised by XXXX XXXX agent calling about a debt to not worry due to inability to pay. No arrangement was ever discussed. She advised that any future attempts at collection should be ignored and she would resolve the debt. She did state if I received another contact to disregard. This is All on the tape. I now received a collection notice from Nationwide Recovery Systems LTD. XXXX XXXX the business office declined my explanation and proceeded to debate and argue that with me. I notified her to cease and desist which which she angrily did not acknowledge but proceeded to hand up - check the call XXXX : XXXX  XX/XX/2021. I then called XXXX XXXX XXXX  XXXX XXXX who proceeded with the same response. I asked her to pull the tape but she procrastinated. They even had the wrong phone number an impossibility to have called me in XX/XX/2021 because my number was changed prior to that and they were using an older wrong number.I asked her to pull the tape and listen! My wife provided her my correct number I was too upset to even discuss. .I was advised to DISREGARD ANY ATTEMPTS TO COLLECT via any form and she was taking care of the outstanding balance. I thanked her.
Consumer complaint received 2023-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I liked very competitive rate published by New American Funding on XXXX for an investment property I was buying in XXXX : Rate : 6.875 % with {$1600.00} in points and fees ) I called them right away on XX/XX/20 and got in touch with XXXX XXXX : Loan Consultant XXXX # XXXX XXXX C : ( XXXX ) XXXX O : ( XXXX ) XXXX F : ( XXXX ) XXXX XXXX had me apply online, ran credit check and said the loan rate will be approved by his manager. I filed application and uploaded all the required documents including sensitive information like my tax return, W2 etc. 

The rate still did not get approved in the system and I did not get any email. but XXXX told me next day that everything is good and rate was approved again. 

I had a 10 day contingency removal for appraisal. I called XXXX several times and texted multiple times. But he kept insisting that loan will be approved tomorrow morning and I was losing time on my deadline. 

Finally, on Friday, XXXX told me that loan is approved only with {$6300.00} in lender fees. This is way above {$1600.00} they committed earlier. 

I was running out of time and had no choice but to accept the rate which is what this company wanted to begin with. Fortunately, I was able to get lower cost from another company who honored the rates and fees listed on XXXX site. However, my rate was 7.125 % compared to 6.,875 %. 

I am still behind on my deadline and may end up losing this contract and my {$10000.00} XXXX.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MI)

I purchased a service with my credit card. The company to date never performed service. I dispute the charge with the bank which is Chime. I f=contacted Chime in XXXX to open a dispute. They contacted me two days ago sating the investigation was complete and no error on the merchant was found. 

This company NEVER performed the service yet Chime found in their favor. I requested the documents they used to arrive at their nonsense position. They said it could take up to 30 days to provide. that to me. 
They did not investigate my account following master-cards guideline and am still owed the original {$350.00} charge from the non performed service
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I called today XX/XX/2021 the FICO, XXXX, XXXX, and Experian. I called XXXX, XXXX and Experian : who or company or organization is making my credit report to up or down. XXXX, XXXX and Experian basically call FICO. 

When I called FICO they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating. 

I would like to know who is making my credit score go up or down and how they calculating my e-oscar or any other software. I believe this a fundamental right whom is causing scores to go up or down.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Resources
Consumer complaint received 2021-05-04
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I called today XX/XX/2021 the FICO, TransUnion, XXXX, and XXXX. I called TranIsUnion, XXXX  and XXXX : who or company or organization is making my credit report to up or down. XXXX, Transuion and XXXX basically call FICO. 

When I called FICO they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating.

I would like to know who is making my credit score go up or down and how they calculating my e-oscar or any other software. I believe this a fundamental right whom is causing scores to go up or down.
Consumer complaint received 2021-09-17
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: SYNCHRONY FINANCIAL (NJ)

I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX  XXXX, XXXX XXXX, XXXX XXXX, Synchrony Bank and XXXX continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I have had problems with Rushmore LM for a few years with them changing my interest of fixes rate. The pandemic has hit me financially, my business has suffered greatly. I contacted Rushmore in XX/XX/2020 for assistance. After over 30 calls to several so called point of contacts who never responded after they sent multiple letters stating help was available. XXXX XXXX wouldn't help me because I'm not XXXX and hung up on me. The latest contact has failed to respond to 8 calls. I filed for assistance in XXXX, of course they claimed didn't get all documents. But I sent check list with Documents. So I sent again. Here it is 7 months later. No response in any form. They don't call back, put me on hold but Do not get on phone. 
I gave up
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (MD)

This is a supplement to my Complaint XXXX. 

Being concerned about M & T closing my account XX/XX/XXXX, I went to the XXXX XXXX  in XXXX, Maryland to check the status New Years Eve. The branch Manager reviewed my account to check the status. He saw NO flags indicating my account was being closed. 
Yesterday, the XXXX of XXXX, I attemtped to use my Debit Card. The ATM machine receipt said it was an invalid card! I did not receive any notice. So, from one day to the next, I have been cut off from my money. A total of {$7400.00}. 
What if I had an emergency? 
I have a call in with a branch manager. I have not had my call returned.
Consumer complaint received 2022-12-12
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. (IL)

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 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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (VA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OH)

I made an application with a loan broker. They obviously submitted my name and information to many lenders. I went with one lender. Loan Depot tried reaching out to me after I had already completed my application with the other lender. They began calling me for days on end ( 2 weeks? ) and calling me at least 3 times a day -- maybe more ( 5? ). I figured after 2 weeks of calls with no answer, they would get the message. They did not. 

I finally picked up the phone and asked them to take me off their list and that they have been calling me way too much. They said, " Well, we are Loan Depot ; one of the largest brokers in the country. This seems to work for us. '' That is a completely unacceptable response. We succeed because we harass people until they pick up the phone irritated and demand that the endless calls stop? I asked to file a formal complaint and, after putting me on a brief hold, they said that their complaint team " was busy ''. This is harassing and is unacceptable behavior for a lender. 

The company was called Loan Depot and the phone # they called me at was XXXX.
Consumer complaint received 2023-04-07
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. (FL)

Equifax continues to violate section 623 ( a ) ( 1 ) ( A ) of the FCRA which states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish.Equifax clearly failed to do so as required by Federal law. 
EQUIFAX STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE THE ACCOUNT STILL REMAINS ON MY CREDIT FILE. Equifax stated they confirmed they verified the account from XXXX and Court records, I HAVE ENCLOSED AN LETTER FROM THE COURT AND XXXX SHOWING HOW EQUIFAX VIOLATED FEDERAL LAW. In fact XXXX could not verify the Bankruptcy that Equifax claims to have verified from XXXX, THEREFORE EQUIFAX NEVER CONDUCTED AN INVESTIGATION ON THE FOLLOWING XXXX  XXXX FILE NUMBERXXXX.
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Partners Financial Services Inc (FL)

on XXXX i sent this collection agency a certified mail concerning the validity of this account. They have failed to validate this alleged debt and i contacted the original creditor they cant verify this debt. Partner XXXX is in violation under 15 USC 1692g and i am requesting the removal of this account.
Consumer complaint received 2021-05-04
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: Duvera Billing Services, LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX  715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.