davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TX)

Medical Data Systems is billing for XXXX XXXX for a bill where the hospital failed to bill my insurance despite me providing my card at the time of service. I have spoke with both companies with my insurance on the line who also spoke with them however they refuse to acknowledge the mistake. I told them I have no problem paying my co-pays but I'm not responsible for their employee not doing her job when I went to the ER in XXXX of 2019. I have been battling this for over a year. Who advocates for patients when the hospital fails to do their job. I've had the same insurance for over 10 years and always keep my card on me. Plus I had a friend ride with me to the hospital who was present when I provided my insurance.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

My ticket number on the Binance.US exchange is # XXXX Ive been trading on this platform since XXXX with no problems. I received a notification this morning XX/XX/2021 of 2 failed ACH deposit both in the amount of {$1000.00} each for a total of {$2000.00} that were returned to my XXXX XXXX XXXX  account. 

I was informed in an email to deposit said amounts into my http : //Binance.US account to bring it into good standing or there would be a charge back. 

I tried depositing {$2000.00}. Then received a notification email that the deposit failed and now my account was frozen. 

I was directed to upload my most recent bank statement and and selfie video of myself holding my identification card. Both requested items have been uploaded in drop box in the support ticket. 

There is no customer support on the site at all. When I check on my support tickets they are automatically marked as solved but my account is locked still. 

Im am completely kyc verified. I have as of right now XX/XX/2021 {$39000.00} in multiple crypto currencys. 

Ive tried reaching out to there consumer rep on XXXX they are ignoring me. 

Like my funds returned to me
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (VA)

XXXX turned an account that was fraudulent to XXXX collection agency. This appeared on my credit report and I immediately disputed it with all three credit bureaus. It was removed and deemed fraudulent. 
This balance has now been reported under a new name of SouthWest Credit Systems , L.P . I have disputed it again with all three credit bureaus. It has been removed by all but XXXX. 
XXXX  is required a FTC report to remove this debt. 
I never entered into an account with XXXX, XXXX or SouthWest Credit Systems. This balance does NOT belong on my credit report. Please review and provide the FTC report XXXX  is requesting so I can submit it to them. 
Thank you so much!
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (WI)

Something only wrong with small amount for {$250.00} and now they're trying to get over {$1000.00} for me and consumers only paid what they owe and I did already make payments back towards the loan
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've been paying my credit card for 4 years straight, I'd received 2 90days late on my credit report ( XXXX, XXXX, XXXX of XXXX & XXXX, XXXX, XX/XX/XXXX XXXX. I never missed any payments and it shows I have missed these payments.This reporting is hurting my credit score tremendously and is putting me through financial stress. I've contacted the company via phone and no action steps were taken to remove this incorrect information from my credit report. It hurts my name, it hurts me mentally and financially to know that I've been paying my card every month on time and my credit report is now damaged dramatically due to these two incorrect payment incidents. These late payments does not show my true ability to handle credit.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Note to Experian : You have my authorization to conduct an investigation into my complaint. My name is XXXX XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED WITH THIS COMPLAINT. 

This is my second attempt trying to resolve this matter through the CFPB. 

Accounts showing erroneous reporting patterns and unverified within FCRA guidelines. XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX. 

On XX/XX/2021, Experian Information Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA noncompliant account history to this CFPB complaint 2. On XX/XX/2021, I sent Experian Information Solutions a copy of such noncompliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Experian Information Solutions to provide me with clear proof that they have conducted a thorough investigation into the validity of these three accounts. Such documentation was received by Experian Information Solutions on XX/XX/2021. 3. Experian Information Solutions responded to my dispute on XX/XX/2021 and by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts. 4. I have attached proof of these reporting errors along with USPS receivable documentation. Experian Information Solutions has blatantly disregarded FCRA law multiple times by continuing to report these damaging and erroneous payment activity ; such that is ruining my credibility and ability to attain financial products. Please urge them to follow the law and delete these items from my credit profile.
Consumer complaint received 2021-06-05
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. (FL)

I have several inquiries listed from companies that I have not requested anything. I dont understand how this is right for them to do. I let them know that I did not do this and this need to be deleted but they keep reporting. Please delete this information because this was not something I did not do.
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WINN LAW GROUP, APC (CA)

They are using my name to pay a collection of {$340000.00}. They dont have my social and my full name, they put a link on my own house I couldnt refinance because they want the many they said these Money it was a credit from XXXX but I never had a credit on this company plase help myyy please god bless you
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 — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Consumer complaint received 2021-06-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (UT)

I believe Bridgecrest has violated Regulation Z in multiple regards.

1 ) My minimum monthly payment is {$220.00}. I pay {$300.00} a month. I logged on to my account on the evening of XX/XX/2021 to find a late balance of {$16.00} on my account. Every payment has been processed on time and I did not receive a late payment notice, or even a payment due notice, for the {$16.00}. Because my minimum payment is {$70.00} lower than what I actually pay, the payments have all been accepted and cleared on time, and I was never notified of ANY payment due, I can not fathom what this charge was for. As I mentioned, I pay {$70.00} MORE than what is owed every month. Bridgecrest purports to charge me {$1.00} per day in interest. Unless the company is charging me nearly double in interest what they are legally bound to, this charge was illegally tendered. 

2 ) There is no transparency regarding these loans. It is not possible to see on the website what charge the late balance pertains to, nor is it sent to me in a paper statement. There is also no way to see what monthly payments are attributed to ( principal or interest ). It is impossible to ascertain what the charges consist of or even what the outstanding balance on the account is. There is only a " Get a Payoff Quote '' button. A consumer can not see what they have paid or what they still owe. 

3 ) I was not notified about this balance at any point. I found it by accident. Because Bridgecrest provides no details about the debt their consumers owe them, it is impossible to see what precipitated the balance. It is unclear whether it is one charge or many.

4 ) It is unclear whether the Amount Due balance is actually past due or is just designed to look that way. If it is the latter, it is clearly designed to falsely make consumers think their accounts are past due. This is an abusive practice and robs consumers of knowledge they need to allocate their payments as they choose to do.
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

Loan Depot is charging my escrow account for insurance I do not need. I have been trying to work with this company since XXXX of XXXX when I was notified they determined I need flood insurance. While working with FEMA on the designation they took out flood insurance and charged my escrow account. In XXXX of XXXX they paid Wind Insurance to my home owners company, yet I live in a condo and do not need Wind Insurance. I already pay HO6 and the condo association pays the master agreement. Yet, they charged my escrow account again. I have have now spoken with eight different representatives at Loan Depot and I'm told I will see a refund and get a call back but I never do.
Consumer complaint received 2021-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: MECHANICS BANK (OR)

During the high pressure sales of a XXXX XXXX XXXX by sales Representative XXXX XXXX at XXXX of XXXX, XXXX XXXX XXXX., XXXX, OR XXXX on XX/XX/XXXX my Gap Addendum for {$620.00} said XXXX XXXX and other contract paper work said Mechanics Bank. There is no Mechanics Bank in XXXX XXXX CA XXXX. Because XXXX of XXXX did not give me all five pages of the Gap Addendum only page one, there is no Mechanics Bank in XXXX XXXX, Ca XXXX, I was high pressured, rushed through the sale, and not given the Used Car Buyers Guide for the XXXX XXXX XXXX. The contract # XXXX should be voided and XXXX of XXXX should take this car back to the XXXX of XXXX. XXXX of XXXX should have never delivered by XXXX XXXX XXXX company the XXXX XXXX XXXX-XXXX to the middle of drive way, locking the car, blocking my garage door with out my permission or my signature. XXXX of XXXX does not follow XXXX XXXX XXXX XXXX or XXXX XXXX selection Guarantee stated on the internet. Worst customer treatment buying a car I ever had.
Consumer complaint received 2021-06-05
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. (WA)

FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX***XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX*** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I was asked by a landlord to send them my credit report via Experian Connect. I was not able to do so because there was a fraud alert on my account. Because of this, I was not able to send it. 

I reached out to Experian. It took me two hours to get ahold of a live person. That live person suggested " to not use a fraud alert ''. I talked to about 10 different people before someone who knew this service existed. I asked her " With only a fraud alert, and no security freeze, my report is accessible, correct? '' She confirmed. I asked why Experian Connect then did not allow me to use the service. She did not know. There was no contact number for Experian Connect - only an email ( which Experian gave me the wrong email for ). 

I believe it is against the FCRA to deny me usage of that application because of a fraud alert. I had to lift my alert to use it - which I did not want to do. I have reached out to Experian Connect and expressed my displeasure, but have not heard back.
Consumer complaint received 2021-06-05
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. (WA)

FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX *** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MO)

On XX/XX/2021 I called XXXX XXXX XXXX NMLS # XXXX ) with NewRez LLC to only inquire on NewRez 's underwriting guidelines/policies/procedures concerning a " special piece of property '' that I own. I did not call XXXX XXXX to apply for a new loan. On this same day, XXXX XXXX was given my many questions, and he stated that he would get back with me with these answers. Later on XXXX sends me an email stating " thank you for applying for a mortgage with NewRez '', while ignoring my request to first answer my questions by email to me before any new loan was started. XXXX made an inquiry on my credit report without my permission. Three days later, I learn that XXXX has issued a " Statement of Credit Denial '' based on " Excessive Obligations in Relation to Income ''. I never sent XXXX any verified income documents. I did tell XXXX that I had additional income ; and that if needed, I could add my wife 's income ; which would qualify if added. XXXX never answered my questions by email to me. XXXX was so incompetent, that he attempted to call me many times by dialing a wrong phone number. I fear that XXXX has damaged my excellent credit score ( over 800 ) with this fraudulent credit denial. XXXX issued a CREDIT DENIAL simply to get rid of me ; and not answer my questions.
Consumer complaint received 2021-07-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Today is XX/XX/2021, and I have been disputing with Transunion, XXXX, and XXXX  about the negative accounts on my report since XX/XX/2021. Some of these accounts are not mine, some are reporting incorrect information, and some are refreshing the dates in order to stay reporting longer. I mailed my first dispute letter to all three credit bureaus on XX/XX/2021, asking them to investigate this incorrect and negative information. I have done my research and that I know my rights as a consumer. Even with Covid-19, the bureaus still have 30 days to respond to my free disputes. I know there might be a delay in the process and their responses, so I tried to give them the benefit of the doubt. It is now XX/XX/2021, and there are numerous accounts still reporting incorrectly on my credit reports. I even sent some of my letters through certified mail because I needed to make sure they were getting them. These are the tracking numbers from XX/XX/2021 ( XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / TransUnion - # XXXX XXXX XXXX XXXX XXXX ). These are the tracking numbers from XX/XX/2021 ( XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / TransUnion - # XXXX XXXX XXXX XXXX XXXX ). I have been sending in disputes month after month without receiving a response and/or validation as to why the accounts and information remain on my reports. This is unacceptable because this is very harmful to my way of life. This information is available to anyone who would need to pull my credit - housing, employment, etc.
Consumer complaint received 2021-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

On XXXX XXXX i received result of a disputed item ( XXXX Account ) from Experian that is included in my identity theft report from identity theft.gov that was uploaded for mentioned dispute along with other documents for this. I have called the Experian customer service phone number to verify reason of the result being verified as mine and updated and rule XXXX not being followed. I was notified via multiple agents that the identity theft report was not accepted by the fraud department because it is the incorrect one and that it is filled in incorrectly, was also indicated that it is with apparently with a red mark/note simulating a warning in which the warning was not disclosed yet the bureau has not informed me at any moment that the identity theft report has not been accepted through any form of communication ( email or postal ) and dismissed the dispute as verified and updated. Ever since this dispute in XX/XX/2021 the dispute center in the Experian website when accessed with my logging information it reflects a " Technical Difficulty to access my report '' i have called multiple times to verify about this and have been given multiple different answers from the " i don't know '' to the " we will inform a supervisor to give you a call back ''. This is a violation of my rights of having access to correct my credit report. The identity theft report i have provided is the very report that one is given via IdentityTheft.gov this report I have submitted to XXXX  and XXXX  and they have done their due diligence and have accepted it with no issues. This has to be corrected immediately and this issue has also been forwarded to the Attorney General in my state due to this violation of my rights in the FCRA, and the inefficiency in how the Experian Credit Bureau manages an identity theft victim by blocking my disputing right to correct my report and not even communicating via any form ( email or postal ).