davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advanced Recovery Systems, Inc. (WY)

I suffered an XXXX XXXX in XX/XX/2018 that required emergency care, and did not have the option of shopping for best provider. XXXX XXXX allegedly distracted that XXXX  but incompletely which required additional distraction at hospital admission. XXXX XXXX was requested to provide the Medicare billing code and amount that would normally be paid for such billing code per the Center for Medicare and Medicaid Services. They did not do so, and have not done so which implies they are billing some 600 % above the authorized billing amount. I have made a payment based on the lesser service actually provided and documented. ARS has not stated whether they purchased this alleged debt or whether they are merely " shake down '' agents who know nothing about the original billing or its dispute. 
I am disputing this debt as it is not substantiated by CMS billing code or Medicare billing amount. I am requiring ARS to submit objective evidence if they have purchased this alledged debt and the actual amount they paid for that alleged debt. If they have not purchased this debt and can not produce the actual CMS billing code and amount, they are immediately to cease and desist.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICASH (PA)

Collector today, the XXXX of XXXX, called and left a message at my job. I called at XXXX the same day and advised XXXX , @ XXXX x XXXX to never call me again or my job again. She threatened to keep calling until the debt is paid of {$460.00} then disconnected the call. I left her message with the same instructions when I called back.
Consumer complaint received 2019-05-07
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. (GA)

For some reason there is a bankruptcy that is reporting on my credit file in error. I have contacted the credit agencies to dispute this issue and they refused to remove this inaccurate reporting from my credit file. I contacted the courts to ask if they submitted this erroneous information to the credit bureau and they sent me a response stating that they do not provide information to the credit agencies. Please assist me in getting this erroneous information removed from my credit reports.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My cousin received this voicemail from a man name XXXX ( which was strange to begin with because i have never put her number on anything other than emergency contact or reference for a job ) stating he was calling from a law office about a complaint about collecting a debt. when i called back i got XXXX XXXX, who was off rip rude as they come. XXXX tells me that he is calling regarding a debt from HSBC from XXXX XXXX XXXX of over $ XXXX. for starters, i have never heard of this company HSBC and two why are you calling me TWELVE YEARS LATER. XXXX then tells me that it was a card i applied to in XXXX and had until XXXX to pay. again 10 years later they are calling me. without any form of contact from this said company, no calls no mail. He ask to verify my address and it was wrong! it was an address from FIVE years ago, which burned down unfortunately. my address and all my personal info is up to date, including my license, so how hard were these people actually trying to contact me? they filed a claim YEARS ago and then reinstated the claim AFTER the researched my info and found that i was working ( according to this XXXX XXXX ). so, if you can research whether or not i have an income, why couldnt they research my CURRENT info to avoid all of this? 

so in attempt to resolve this issue, i asked what my options were ; XXXX then said i could pay {$500.00} now and make payments of {$100.00} or something towards the settlement of {$1500.00} they were offering. mind you, this credit card had a credit limit of {$300.00} according to this XXXX person and TWELVE YEARS LATER its at over $ XXXX. When i told XXXX that i couldnt possibly pay XXXX up front he asked when i could make the payment. i was honest and said probably not until the end of this month ( XXXX ) or beginning of next month, as i am not rich and can not shell out XXXX in the blink of an eye. his response? " NEXT MONTH?! YOU DONT GET PAID AGAIN? ". i told him of course i do but unfortunately i have other responsibilities and i cant just abandon them to please you. oh! and even better, he kept saying " i dont have to help you '' almost like he was doing me a favor on something I HAD NO IDEA ABOUT! 

in the end i asked how i could get in contact with HSBC and the XXXX then said " IN COURT! Ill get you served, good luck '' and HUNG UP! 

it is absolutely ridiculous for this company to be threatening to garnish my wages, etc when this said account is TWELVE YEARS OLD, they have inaccurate info on how to contact me AND demand that i pay XXXX out front. had this company contact me sooner and not TWELVE YEARS LATER i would've been happy to settle the debt but they are looking real desperate to be coming after someone TWELVE YEARS LATER with this garbage and threatening people to get their way.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I recently received a credit report from Equifax. I saw that my job classification on the report was 20 years old and i contacted them to update/change it. I have been receiving email notices from Equifax that states i am able to view the status of my dispute ... but for 5 weeks i have tried to access " view status of dispute '' on their website and have gotten " Service unavailable at this time. Please try again later ''. My complaint here is more about their sham web access than my original dispute about job mis-classification. I'm one taxpayer that thinks Equifax board members ought to be in jail for PII breach. I fully support the work that you do. Thank you
Consumer complaint received 2019-05-08
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. (GA)

I went to get a loan for school from my bank and was denied. I should not have been denied. I went a pulled my credit and there are some items on there that are not mine. Please remove XXXX XXXX XXXX, XXXX. XXXX and XXXX XXXX. There are three bankruptcy showing on my XXXX. I have never filed banktruptcy. Please remove those bankruptcy as well. I have contacted the FTC and my local police. I'm doing this on my own.
Consumer complaint received 2019-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

On XX/XX/2019, they called at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I finally answered at XXXX XXXX. They were calling because my loan payment of {$XXXX} is  late by 9 days. My loan payment was due on XX/XX/19 and they are already calling me this frequently, including on the weekends. This is typical daily call frequency if the loan becomes more than 2 days late
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I had a Bloomingdale 's store card for several years. When my most recent bill came, it had suddenly become an American Express Bloomingdale 's card, which can be used in and outside the store. This is not something that I want or need. Furthermore, it was issued without my requesting it, and certainly without my permission.

When I called Bloomingdale 's to close the American Express card, I was told that I could only cancel the entire account. So that's what I did. 
I think it should be illegal to issue a major credit card in someone's name without their permission. 
Now I will have to go through the hassle of opening another store card.
Consumer complaint received 2019-05-06
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. (GA)

OnXX/XX/19 I submitted a dispute to Experian online for a method of verification for the Bankruptcy Chapter XXXX information that Experian is reporting on my credit report. On XX/XX/2019 well passed my 15 days allowed to provide method of verification, Experian sent me a response online and I quote " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing for your dispute. Please review your report for the details. '' Then in the Important Messages section it states that " If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through third party vendor XXXX XXXX XXXX XXXX XXXX '' Now this information can not be obtained from XXXX due to the fact an amendment was passed to prevent reporting public information that can not be verified and I provided a copy of a section. " The Judicial Conference recently approved proposed amendments to the Federal Rules of Bankruptcy Procedure and the Official Bankruptcy Forms which will implement the Conference Policy on privacy and public access to electronic case files. These amendments will take effect on XX/XX/XXXX. '' Please Help! I have a copy of Experian response if needed. Now, I notice word games used therefore may have used XXXX was stated but it went on to give XXXX contact information.
Consumer complaint received 2019-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

My daughter is on my medical insurance, but she is an adult who is responsible for her own care. I have verified with my insurance company that having her on my insurance does not leave me financially liable for care she choses to receive as an adult. 

Furthermore, according to the debt collector my daughter provided the address of her mother, my ex-wife. So I have never received any notification or correspondence or requests to authorize treatment or pay a bill that I am aware of. 

I paid one bill for her for care received in XX/XX/XXXX and now they're expecting me to pay another for care in XX/XX/XXXX. They did not remove the old collection claim against me, though it is marked as paid. And they have kept the second claim against me in my name. I should not have a collection against me at all : again, I did not authorize treatment, I did not receive a bill, and the person who did receive treatment is my daughter, an adult who is financially responsible for herself. 

Furthermore, I've even tried to simply settle this on my daughters behalf, but the company says they can't remove a collection claim from my report. 

The collection company is AMCOL systems.
Consumer complaint received 2019-06-03
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: I.C. System, Inc. (NC)

XXXX XXXX XXXX shows on XXXX. It is the amount of {$220.00}. I called them. Agent said there is no record in their system of this charge. Supposedly it was established in XXXX. The address was my deceased Mother 's address who passed in XXXX. I have never used a pest control service. I need this to be removed from my credit. According to her none of this was in her system. Thank you.
Consumer complaint received 2017-11-24
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: Midwest Recovery Systems (MI)

Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. Midwest Recovery listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Account Recovery Specialists, Inc. (KS)

Me and my wifes bank accounts were completely seized on XX/XX/2015 by ARSI for her being 10 days late paying her bill, she had not missed any payments and even paid the late payment. I had over {$1500.00} and she had over {$100.00} in our banks accounts. All the money in both our accounts are from paychecks being direct deposited from our jobs and now we have no way to pay our bills at the end of this month. This should be completely illegal to take all of a married couples money right out of their bank accounts and I want it all back. Please help me because i have no money to get a lawyer now to fight them and might be homeless over this.
Consumer complaint received 2019-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

I can not find contact information on Navient 's website. One page leads to another, leads to another and no fax or email information. 

I can XXXX a phone number but why can't things be done online nowadays!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ... 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

1. I received a Certification of Eligibility for Sandy-Impacted Forbearance Certification from the New Jersey Department of Consumer Affairs. Pursuant to Public Law XXXX, Chapter 15. This certification entitles me to a term of forbearance that shall conclude upon the occurrence of the earlier of the following : the conclusion of one year following issuance of a Certificate of Occupancy for the mortgagors Superstorm-Sandy-impacted primary residence ; XX/XX/XXXX ; or, regarding a property in foreclosure proceedings, upon the expiration of 10 days This is false. I paid all escrow payments from XXXX, although as part of the Public Law, I had from 1 year of the day that I received my certificate of occupancy, which was on XX/XX/XXXX. The public law states that the term forbearance is to mean a suspense. My mortgage was supposed to be suspended during the forbearance and normal mortgage payments were to resume at the end of the forbearance period. Please read the law and all documentation and correct your records. 

2. I received a mortgage statement, dated XX/XX/XXXX, showing a monthly payment for XX/XX/XXXX of {$2200.00}. I sent payment for {$2200.00}. 
I received a mortgage statement, dated XX/XX/XXXX, showing a monthly payment for XX/XX/XXXX of {$2200.00}. I sent payment for {$2200.00} I received a response from Shellpoint, dated XX/XX/XXXX to my inquiry as to why my account is listed as delinquent. Now I am being told by Shellpoint that I am supposed to pay {$2400.00} as a monthly payment. The contradicting documents that I receive are confusing and fraudulent. Why I am being sent incorrect information on a consistent basis?
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (IL)

I received a letter dated XX/XX/XXXX from Linebarger Goggan Blair & Sampson LLP stating that I owed {$500.00} for unpaid parking tickets in the City of XXXX. The dates on the tickets are : XX/XX/XXXX - XX/XX/XXXX. 

The letter threatens garnishing my wages and bank accounts, and filing a lien against my property. 

I called the Linebarger and explained that the tickets were paid at the time they were incurred. I have lived in XXXX or nearby for more than 30 years, and I ALWAYS paid all my tickets in order to avoid hassles such as having my car booted, etc. Linebarger 's agent asked me for records proving that I paid. By checking account only keeps 7 years of statements, and my records do not go back 20 years, so of course I have no proof at this point. Then she said there was nothing she could do. 

If this money were actually owed, why was I never contacted by anyone from the City of XXXX, nor from any debt collector, until now? This belies belief, and it doesn't add up. Either Linebarger has gotten some bad data, or mis-interpreted that data.
Consumer complaint received 2019-05-07
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. (MI)

I contacted Equifax several times regarding inquires on my credit report. Let me first start off by saying that I completely understand that inquires are a part of factual data and I am not disputing the fact that these inquiries were put on my credit report due to fraud or identity theft. However, I contacted each of the following companies XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX  asking if they would remove the inquiries from my credit report and they agreed. I then sent these letters to Equifax showing that the original creditor has agreed to remove the following inquiries from my credit file and I asked for Equifax to open a dispute to remove them. All 3 times I disputed these inquires Equifax responded that inquiries are a part of factual data They did remove the inquiries from my credit report nor did they open an investigation to dispute with the original creditor regarding the inquiries. This is why I am filing a complaint against Equifax. Equifax has failed to conduct a reasonable investigation regarding the matter which is in violations of the FCRA. I am requesting that Equifax remove the following inquiries from my credit report ; XXXX XXXX  XX/XX/18, XXXX XXXX XXXX  XX/XX/18, XXXX XXXX  XX/XX/18, XXXX XXXX  XX/XX/18 and XXXX XXXX  XX/XX/18.
Consumer complaint received 2017-11-24
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 — Problem with personal statement of dispute
Company: Conn's, Inc. (TN)

From the start I feel like they took advantage of me I told them I was n't a good reader they would have to explain it to me I did that so they can tell me face to face they never mentioned anything about 25 % interest being added to my {$12000.00} loan once I found out how much they said I owe on my credit report I immediately went up there and ask them to come and get it within two weeks of having the furniture
Consumer complaint received 2019-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

MORTGAGE FRAUD, CONSUMER FRAUD, INTENTIONALLY MISLEADING FEDERAL INVESTIGATORS ... XXXX XXXX, Nationstar Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX intentionally misled the CFPB and the consumer. We have attached a signed statement from XXXX through their attorney, and he confirms they brokered a fraudulent loan that Nationstar collected on even after they were fully aware of the fraud. Their Attorney has also confirmed the Senior Citizen victim was mislead over {$36000.00} over the course of this loan when you multiply the loan disclosure fraud by the number of payments being made. XXXX XXXX used this bogus claim in their last several fraudulent responses ... " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' and the conspiracy to defraud and mislead continues. No one is denying loan fraud, escrow, fraud or theft ... now they just claim to be immune to prosecution, claiming a bogus statute of limitations. " Obama signs law cracking down on mortgage fraud ... Department had received 62,000 reports of mortgage fraud last year ... In the past, the statute of limitations on all kinds of fraud cases was five years. However, President Obama has established a new law in 2009, which increased the statute of limitations to 10 years. Additionally, Florida can toll the statute if the defendant is out of state. '' ALL DEFENDANTS ARE OUT OF STATE ...