davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certified Solutions, Inc (NJ)

This complaint arises out of billing for laboratory charges associated with a medical consultation. There are 2 issues to be dealt with, one of which is with the collection agency and one is with the provider. 

Debt collector issues The issue with the debt collector is that the statutory notifications were omitted, in violation of 15 US Code 1692g ( 3 ), ( 4 ) and ( 5 ) 1. On XX/XX/2020, I received a letter from Certified Credit and Collection, XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX , Street Address XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. This letter violated 15 US Code 1692g ( 3 ), ( 4 ) and ( 5 ). It failed to contain the statutory notifications as follows : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Creditor Issues At my insistence, I had a detailed discussion before any services were rendered. The discussion was with XXXX XXXX, XXXX XXXX Representative of the provider. This discussion covered co-pays, deductibles, balance billing and whether there would be any separate charges for laboratory services. I was explicitly assured that I would have no out-of-pocket liability other than the co-pay paid at the time of the services, and that this assurance included co-pays, deductibles, balance billing and any laboratory services which I was explicitly assured were " included ''. I promptly notified the provider of the history of these charges and when I received the erroneous bill, but no correction was made and collection activity continued
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

XX/XX/XXXX XXXX XXXX XXXX  counsel stated that I was not entitled to documents ( to verify debt and determine if the take it or leave it offer made was truly fair and reasonable ) XX/XX/XXXX XXXX XXXX XXXX  collections manager makes a take it or leave it offer ; in the condition that state bar complaint be withdrawn XX/XX/XXXX Sent Amended Notice to Produce ; to date XXXX XXXX XXXX  has failed to comply. 
multiple good faith efforts have been made, to date the only attempt XXXX XXXX XXXX  has made to resolve this matter is a take it or leave it offer. 

I am asking for your help to resolve this matter.
Consumer complaint received 2023-08-10
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (TN)

i had account with XXXX  and salesepaerson came to me presenting XXXX  but they werent XXXX   they were XXXX XXXX XXXX then i paid XXXX i never recieve the phones but 4 month later XXXX  billed me with XXXX i called XXXX  and there were 2 number created under my name with new number i tried to call XXXX XXXX XXXX and explain they want to charge me XXXX termination fee then they send me to collections i been thro this since 2014 i have the XXXX  receipt with different name on signature now i dispute this case with XXXX XXXX  and i feel that they abusing my credit report and i have the paper work i cnotact XXXX  and XXXX waived the bill and marked the account as fraud
Consumer complaint received 2020-04-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Please do your duty. I had submitted a complaint in XX/XX/2020 and i was told by the agent that CFPB closed my complaint. That complaint was never settled. The Mortgage company failed to follow rules allowing proper time to read, sign and allow legal representative to read for law abiding consumer protection reasons. CFPB Case XXXX. That was never settled nor was a response received. 
Carrington Mortgage LLC has continued to abuse consumer contract laws. My information was complete for the loss mitigation packet on XX/XX/2020. The enclosed letter proves. As I waited for the response a letter arrived from The mortgage company stating a lie that I cancelled my loss mitigation. And it continued to state I no longer wanted my home. This letter was not true. I never cancelled my loss mitigation. The Mortgage company is trying to use COVID-19 scam. I never requested covid-19 assistance. My XXXX is consistent and covid-19 did not impact it. The improper & wrong cancellation letter implies I cancelled my loss mitigation. That is not true as I never cancelled it. 
The enclosed letter states what I am explaining. I never implied that I did not need my loss mitigation or that I was not wanting my home. This company is mis stating information that is false. My information is still on the XXXX XXXX server and is valid for 90 days and the letter is not expired as you can read. 
Please look into this. My loss mitigation is needed and I never cancelled my need. 
Please look into this. I am insulted to know you ignored my need in the XXXX complaint. Please stop with the intimidation to my poor life. I still need my home. Please do your consumer duty I am a XXXX human being
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (NC)

XX/XX/XXXX of last year I had a car wreck. They sent me a bill and i began making payments on it. I have been paying on it for almost 7 months, then out of nowhere i get a letter from a collections company saying my bill has been sent to collections, even though the hospital has been sending me bills with updated amounts on them.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name is and I am not filing this claim in the XXXX person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} INQUIIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I HAVE ASKED THESE COMPANIES TO VALIDATE AND SEND PROOF THAT THESE ACCOUNTS BELONG TO ME WITH CONTRACTS I SIGNED IN WET SIGNATURES. SO FAR THEY HAVE NOT DONE THIS.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Consumer complaint received 2020-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I called Webster Bank in XXXX MA to convert my home equity loan I have had with them for 5 years. At the time of the mortgage I was given a pamphlet giving the terms of this option. It was explained that this was very good and no other banks off this. I called on XX/XX/XXXX saying I wanted to exercise this option which reads. " We wiil charge you a {$95.00} fee whenever you exercise this option. " and " Here is how we will determine the fixed interest rate that will apply to a Conversion Option. '' It describes caps XXXX XXXX and floors XXXX XXXX further, " we will offer you the fixed annual interest rate we are generally offering to to eligible members of the public when we receive your conversion option request, for fixed rate equity monthly instalment loans for the principal amount and term you request '' The bank ( head of mortgages XXXX XXXX XXXX refuses to honor this agreement ( I asked for and received a copy of the signed original agreement and it is the exact language as the pamphlet. XXXX XXXX says, " She doesn't want to read the agreement '' and You can not get a mortgage without a closing cost. The advertised fixed rate mortgage on their website was XXXX XXXX on XX/XX/XXXX. I am asking that they honor the terms and conditions of the agreement with them and XXXX XXXX refuses to do this.
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have been paying on my student loan for 10 years and I owe more than the original loan amount. I have had some temporary forbearances due to a parent 's XXXX XXXX  and a lengthy contested divorce, but my remaining balance has remained the same despite many steady years of repayment. The terms of the loan repayment appear to be a deceptive interest only scheme, which is something I would never have agreed to if the terms had been properly explained. If my student loan amount of {$21000.00} were a car loan, it would have been paid off already in less than 10 years. The terms of my loan are suspicious and my student loan has become an chronic, persistent, never ending financial burden. My only option is to now obtain a home equity loan to pay off my student loan as the terms of a home equity loan will be far more cost effective and safer than the unconventional and misleading Navient student loan terms. I should have been better advised 10 years ago as I could have saved thousands of wasted personal income by securing a home equity loan then as a more sound method of repayment. As a single parent, Navient has profiteered and deprived my XXXX children of expenses that could have used for their educational fund. My conclusion is that student loan repayment services like, Navient, are predatory lending agencies designed to generate immense revenues at the expense of the student versus assisting with the cost of education. Students should be duly warned that student loans are basically equivalent to taking a loan from a loan shark.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

I am filing my complaint against XXXX XXXX, NewRez and Shellpoint financial, for violation of RESPA 10. Since XX/XX/XXXX, XXXX XXXX  has excessively escrowed my mortgage and failed to correct the amount while knowing it was incorrect. Since XX/XX/XXXX, NewRez/Shellpoint Mortgage, have continued to excessively over charge my escrow account, since purchasing my mortgage from XXXX  XXXX. The amount I'm being escrowed per year is XXXX for taxes and insurance, while my reported annual taxes and insurance for the property is only XXXX I have repeatedly requested verbally, and in writing, that the escrow amount be corrected, but both companies have ignored my request, and as of XXXX, NewRez, has sent me notices for filing foreclosure on my property, as well as sending negative reports to all credit agencies. I have continued to make my mortgage payment to NewRez, and have spent several hours on the phone with their reps to try and resolve the issue, but they continue to demand payment while seeking foreclosure, and damaging my families credit score. NewRez has also failed to pay out the full escrow amount they have collected for insurance, and continue to withhold the money, causing my insurance to be cancelled.
Consumer complaint received 2023-08-23
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (NJ)

On XX/XX/2023, I called Chime customer service number ( XXXX ) to inform them of my travel to XXXX to be able to use the card while there. After contacting them scammers stole all my funds leaving me with {$2.00}. Chime insists there was no wrong doing and insist I made those transactions. Scammers are really good and make it look like your responsible.
Consumer complaint received 2020-04-22
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)

I have dearly ask experian about account on my credit report. This account states it is close/charge off. But while I ask them to investigate and send me info on this account, the account continue to report higher balances, different open dates, and numerous inaccuracies on dates/payments amounts.
Consumer complaint received 2024-11-12
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. (LA)

In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act convergent account National Commercial services has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

I received a phone call from a representative at Credence Resource Management ( he stated that his company 's mailing address was XXXX. XXXX XXXX, XXXX XXXX, Michigan ). He attempted to verify my name and address without stating that the call was from a debt collection company. He addressed me by my maiden name ( I changed my name when I married three years ago ) and told me that they had an address on file for me in a state that I have never lived in. He stated that the call had to do with XXXX XXXX, but did not say whether he was trying to sell me XXXX XXXX or collect a debt for XXXX XXXX. I have never purchased XXXX XXXX in my life. He continued to try to verify my address and I refused. I looked up his company online and found that it was a debt collection agency. I told him that it was illegal to obtain information from a consumer without first stating that he was a debt collector. I asked to be transferred to his supervisor. I reported him to his supervisor and asked to be placed on their do not call list.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/2020 I transfer {$1200.00} dollar. To XXXX they told the receiver that exceed so they was going to cancelled to transaction to call me to cancelled it and get a refund i call the company and they tell me that i had to wait 48 hour so i wait the 48 hour for the refund which i call again they tell me they need another 24 hours i call the next day they tell me the same every day they always ask for and extra 24 hour today XX/XX/2020 the representative tell to go to the place where i did the transaction so i proceed when i get there i ask representative to call XXXX XXXX because they told me they was going to give me a transaction number after waiting for over a hour the store representative tell me that they still working on it that they not going to give me my money for now that they would get to me when they have spare time to give my refund back the store representative told me that he can't do nothing for me and that i lost my money
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MD)

Someone took out a fraudulent loan in my name. I immediately alerted Affirm and they assured me it would be taken care of. It has been 6 months and they have done nothing to investigate. They had 2 different debt collectors come to me on their behalf. All while they claim my dispute is still being investigated. My credit scores have decreased significantly because of them. They do not have any legit customer service. In fact, every time they send an email to me there is no name in the signature. This company is shady.
Consumer complaint received 2023-08-21
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. (GA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2020-04-17
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

My ex-wife 's late mortgage information ( 12+ months past due ) has been incorrectly put on my credit report! 
We refinanced a home through XXXX XXXX, then we divorced and I filed bankruptcy. In the documents I will attach, it clearly shows that this mortgage amount was discharged by the bankruptcy, and this is also in the divorce decree On the bankruptcy petition - see page 20, XXXX XXXX mortgage for {$68000.00} was included in the bankruptcy filing On the divorce decree - see page 17, Exhibit 1, under division of property On the attached credit report shows that this negative information has been put on the XXXX and EXXXX credit bureaus, but looks like not on XXXX. 

I have had a XXXX Ohio company, XXXX XXXX XXXX, send official documentation to XXXX XXXX ( actually now Bayview Bank, who, when I called them took over the mortgage when it got many months past due. ) XXXX  contacted Bayview approximately XX/XX/2020. Still no response from Bayview to date
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.