davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

In XXXX of XXXX I was taken via ambulance to XXXX Hospital Subsequently i had numerous XXXX and was hospitalized until XXXX of XXXX. I had insurance which covered everything including the ambulance ride to the hospital. I received an invoice from XXXX XXXX XXXX XXXX Pa a few weeks later. I called my insurance company. They stated the above mentioned company incorrectly coded the billing, therefore it was rejected. I then contacted by telephone XXXX XXXX XXXX and notified them to rebill and correct the code. None of which was done. This credit account was subsequently sold to Account Resolution Services with an erroneous date of XX/XX/XXXX. I have disputed this medical invoice now for 5 years with no luck. Today i also filed a new claim with XXXX disputing the servicing dates. 

Account Resolution Services will not clarify or correct the dates of service/date of actual billing This account is now 8 years and 30 days on my account which is against FCRA Requirements. 

I would like this bad debt/medical debt to be removed from my credit report as it is the only negative remark on there. 

Sincerely XXXX XXXX
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case public.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

When U S CFPB in XXXX filed a lawsuit for predatory loans eventually leading to the Closing of schools, no accreditation for the degrees, fraud and other illegal violations I felt the need to seek your help. 
Im filing this complaint about XXXX XXXX XXXX XXXX NAVIENT SOLUTIONS, INC for Fraud, deceptive marketing and predatory loan practices. Also for years of my credit score in poor standing and the stressful experience with a college degree that caused more financial hardships. 
After the news about the settlement for them using illegal deceptive tactics, for borrowers to take loans to attend. 
I have had a default on my credit report for years, unable to receive federal aid, my taxes offset XXXXand the struggle to overcome student loans from a Institute guilty of federal violations. 
Also for not assisting me with the information on CLOSED SCHOOL DISCHARGE programs when knowing I was a victim of the illegal violations. 
I am attempting to find a resolution to this complaint in a quick response before seeking judgements from the courts. For not respondig to the applications for the loan, not providing information about the loan, offset of my taxes. 
( I have more details on the illegal violations )
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Mortgage Alliance Corp. (HMAC) (VA)

I came to XXXX after being denied the week of my closing date by another mortgage company at the advice of my realtor. At first they were very helpful and insisted that they would be able to help me. My application was in XXXX when rates were higher than they are now. My other lender locked me in at 4.375 %, XXXX because I was desperate gave me the same rate early XXXX but left the rate floating. I was changing jobs so they told me the underwriter could not make a decision on my loan until I got a paystub from my current employer, I asked several time in the course of the loan was this the only outstanding item, they assured me yes. I later find out that they had issues with my credit score, and were not planning to make the loan but didnt tell me until the day of my closing. They sent a representative that doesnt work for them to tell me we would not get the loan due to a credit score drop in XXXX. Well here we are and XXXX and instead of notifying me when it happened he kept it to himself. I told him that whatever issue that was on my credit in XXXX was removed and I had documentation to prove it. Had he told me when the credit was pulled, this could have been resolved then. He then resolved the credit issue in mins, redisclosed the loan to me at the same high rate even though rates have gone down, charged a 1 % origination and 1 % points fee and the issued me a closing disclosure. Closing disclosure stated that we could close on Monday. Because I was desperate and wanted the house I obliged. That same weekend my loan officer went on vacation, never notifying me and left my loan file to be handled by someone who hasnt seen my file. Needless to say we didnt close on Monday as the closing disclosure stated, on Monday it was still being reviewed by an underwriter. The back up loan officer then tells me that their system noted a possible foreclosure on a property Ive owned for over 10 years and have never missed a payment on. It was totally bogus, with no evidence at all. So I missed the closing date again. This is now the 3rd closing Ive missed. I wrote a letter stating how ludicrous these allegations were and how unprofessional this company has acted. And no apology from them at all, they just sent an approval over of my files. I have been embarrassed, my privacy violated, and taken advantage of by giving me such a high rate and expensive terms. This whole process has been unfair and abusive lending practices.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (PA)

I received a notice from a debt collector and call them about this notice, The collector is Diversified Consultants, Inc. the debt is for {$100.00} from XXXX XXXX XXXX Wireless - when I call them I told them I do not owe anything to XXXX XXXX XXXX it was paid on XX/XX/18 I told them I will call XXXX XXXX XXXX, I had to call them again when I notice they put this on my credit report and told them I was paid and I call XXXX XXXX XXXX and verified it - first I one person hung up on me when I call back the next person would make a note, but I need this off my credit report
Consumer complaint received 2019-06-10
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: STATE FARM BANK, FSB (FL)

XXXX has reported fraudulent information in reference to my credit history. State Farm Bank ( credit card ) has myself listed on the credit card as an " authorized user ''. XXXX will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.
Consumer complaint received 2023-06-26
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. (NY)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NC)

XX/XX/XXXX trough XXXX XXXX, XXXX, manager for XXXX XXXX XXXX called me multiple times to resolve a payment issue between XXXX XXXX and XXXX. I was getting charged for XXXX service which was turned off in XX/XX/XXXX. I was of getting charged for XXXX instead of XXXX  XXXX, which was my new cable provider. While I was assured that this is going to be handled. I was notified that the payments that went to XXXX will be applied to my XXXX  XXXX outstanding balance. The remainder of the balance for XXXX XXXX was paid in full in XX/XX/XXXX. 
While this miss communication was being addressed and handled, we relocated from XXXX XXXX to XXXX NC. The new apartment in NC does not allow any XXXX equipment to be installed on the balconies ( no dishes allowed ). I called in customer service the order to XXXX XXXX and explained the restrictions to the equipment and I was offered and upgrade to my service called XXXX XXXX Now, I was told that will not require any XXXX  placement and will not cost me new activation fees and or old cancellation fees because of the apartment restrictions. 
XXXX XXXX Now payments have been pain on trough auto withdrawal on : XXXX, XXXX of {$69.00}, XXXX XXXX of {$69.00}, XXXX XXXX of & XXXX ... .. so on. 
Called XXXX XXXX on XX/XX/XXXX when I received the XXXX XXXX collection noticed asking them to resolve the matter. The representative from XXXX XXXX, XXXX refused to connect me to a manager and did not review all the notes that were made on the account in XX/XX/XXXX after I asked I requested him to in order to resolve the matter. His advice was " call your bank and dispute the charges because the account is outstanding ''. 
Called the collection agency " Credence '' to explain the situation and ask for resolution the customer service rep to also review the notes on my account. He only had notes on my account from XX/XX/XXXX. He informed me that this outstanding balance is for cancellation fees. 
XXXX XXXX  customer service is telling my account has never received a payment and Collection agency Credence is telling me that this debt is for cancellation fees. Both agencies are not providing adequate information as well as resolution when asked.
Consumer complaint received 2019-06-10
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. (TX)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 26 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Experian investigated a Bankruptcy case reporting on my credit report. They sent me the results of the investigation which resulted in the deletion of the item on XXXX. The dispute was closed out. They then in return reopened the same dispute and inserted the item on my report and didn't notify in writing within 5 business days per FCRA 611 ( 15 U.S.C 1681 ) Section 5 subparagraph A. 

I demand for this item to be deleted as I have previously provided that the third party agency they claim to receive their verification through has no records of said item on file.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (GA)

I have been a member of XXXX XXXX XXXX for a number of years and have a VISA card with them. I recently received a letter that stated on XX/XX/19 their cards were being switched over to Elan Financial Services. The letter stated I could " opt out '' of the transition if I chose to do so, and needed to contact them by XX/XX/19. The letter went on to recommend I check if I had any rewards points on balance before closing the account and to cash those points out before XX/XX/19. Tonight, XX/XX/19, I contacted the customer service number on my recent bill and was told by Elan services my current credit card with XXXX has a XXXX  balance and a new card has been issued to me. I did not authorize Elan or XXXX to do this and in fact was calling because I want to opt out of the transition. I have a balance transfer check I want to send from my new credit union and place on their new credit card. Elan further stated on the phone that if I closed out my account tonight I would lose all rewards points and suggested I check my point balance before proceeding. I hung up, went to my rewards site, logged in as usual and a message appeared stating " Cardholder does not participate. '' I then called the number on the back of my CC, found my point balance via the automated menu, and then proceeded until a XXXX person answered. After explaining this whole mess, the XXXX customer service person stated " they had jumped the gun '' on the transition. This all violates what is stated in their letter about this transition and I consider it a breech of contract. What recourse do I have to a ) get back my reward points?, b ) stop a credit transfer to Elan, a company I do NOT want to do business with?, and c ) make a clean break with both XXXX and Elan without it impacting my credit? Any help you can offer will be greatly appreciated!!
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I have disputed the information for accounts that were opened in my name  by someone who stole my identity.   You guys had removed the XXXX accounts for XXXX and reinserted them..  I will say this again.. Again.. And again..  I have never lived in New Mexico and I never went to the doctor in XXXX NM.  I have filed an identity theft report with the FTC and with the XXXX NM polcie Dept.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Filed a dispute with XXXX and Equifax for identity fraud items, info unchanged, then got court orders, dismisslels, receipts, police reports and FTC reports and still unchanged, XXXX had everything fixed in a week but XXXX  isnt even looking at my documents. I'll be getting a lawyer to get this matter resolved if they cant look at my info. One of the companies credit services even sent XXXX a delete letter and they still didnt budge. 

Soc XXXX XXXX XXXX
Consumer complaint received 2019-06-11
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: First Credit Services Inc. (NJ)

On XX/XX/XXXX money has been trying to take out from XXXX XXXX and i never made an account with them now its in collecting and thats incorrect since i never made an account with them. My dad had me under his account as a membership for XXXX XXXX on XXXX this really needs to be fixed it shouldnt be charging or trying to charge me if they dont even have my credit card number
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019 I went to a drive thru atm machine for Bank Of America, located on XXXX XXXX, made a deposit of {$1000.00} in cash, the machine started not giving me any next or continue options but took my cash instead and gave me back my card, right away I called the number posted in the machine and started a claim. I was given a temporary credit of {$1000.00} until they can check and see what happened. 30 days later I was given a credit for {$1000.00} which was taken away from my account on XX/XX/19. Now I received a letter stating they made an error with crediting me {$1000.00} and that from my deposit was only missing {$100.00} not {$1000.00} and they will take away now another {$900.00} on XX/XX/19. I called Bank of America because why tehy gave me the {$1000.00} missing, then taken away. I was told they made a mistake and they are going to take another {$900.00}. I explained that if they never found my money why was the credit given and they said it was an error oops I'm sorry. On my end i knew my claim was done and resolved and the credit was given and now they said it was a mistake. They said is nothing they can do but I was misled and still missing my deposit and I have to pay for their error! I don't think that a big corporation can make such kind of mistake and then say, sorry there is nothing we can do! My money shouldn't be taken away for their mistakes. I didn't do anything wrong I follow every step they asked.
Consumer complaint received 2019-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (NC)

I have been making payments to a private student loan. I have reviewed the online information on Wells Fargo 's site to obtain how the payment is applied. Each month I pay over and above the amount due. I can see how much is applied to principal and how much is applied to interest but there is no information to show how the balance has dropped from the previous month. I would like to be able to receive a statement by mail to show the balance from the previous month and the new balance after the payment is applied. I can only see the current balance of the student loan. I have not been able to see how much interest accrued over the time my son was in school. I am a mortgage lender and I understand finance completely. I have been to a local branch and made a call with one of the agents to the student loan department and I have emailed 3 times to explain the issue. There is no way to track what the original balance started out at and then showing how the payments have been applied or the new balance each month. This should be very clear to a consumer. I can not begin to imagine inexperienced students trying to understand this. There also have been mistakes made where the payments I made were applied to a loan that my x-husband was obligated on solely in his name but I made the payment. This was eventually corrected only because I was paying attention and researched it. There is currently an error that I see where it seems as if a payment was posted but one I didn't make. I have also never been given an option of opting out of a mailed statement. I was told they do not send statements when I inquired on this. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2019-06-11
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: JPMORGAN CHASE & CO. (CA)

When booking a hotel with XXXX, I checked the properties listed ( 4 ) as the stay being in one of the four. There was not a listing for " XXXX ''. XXXX, XXXX, XXXX and one other was shown. Again -- no " XXXX '' listing. I stayed at the XXXX in 2014 and it was TERRIBLE. Feeling safe, I hit " book it now '', and what turns out to be the property? The XXXX. XXXX hid the name " XXXX '' by using the name XXXX. I immediately called XXXX to rebook to another property. XXXX service center   ran me around in circles and told me the U.S. service center wasn't open until normal business hours. Called there and got XXXX again. Disputed the charge with Chase. Even though I told them this was fraud, they refused to help in any fashion. Chase Credit Card services refused to help despite this being blatant fraud.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Fedloan Help (NJ)

I have student loans totaling about XXXX dollars that were all consolidated back in XXXX with XXXX at a great rate of 1.75 and I would be paying like XXXX a month for like 23 years. I was fine with it and paying monthly for 7 years. 
Then, I was contacted by FEDLOANHELP.ORG ( CROOKS ) to consolidate loan under a new federal program that would basically mean I pay the same amount but only for ten years. It was a plan for Obama to get all Americans out of XXXX debt in ten years for those who qualified. I recently got destroyed in business and was happy to hear about this and said sign me up. They took my tax info, pay stubs, verified who I was and what I owed and then came back with approval. They took over payments seamlessly and for all of XXXX I thought I was in the program paying monthly as usual. Then, I got a letter from XXXX saying my deferment period is over and I need to start paying. I contacted fedloanhelp to verify what I was paying and they said a computer issue put me in program but did not pay off my old debt and now I can not be part of the program. I contacted XXXX and they gave me a new rate based on where rates are now which 5.375 about 3.5 points higher than I previously had. Then, I was owed a refund from FEDLOANHELP on all funds paid but then after 30 days they said lack of funds be another XXXX. Then, after XXXX more they are saying bankrupt now. However, if call they are still pretending to be working and taking new clients. Now, I am back to my old XXXX loan year later with a new higher rate and everything I paid last year was stolen and not towards any loan of mine. They do not call or email me back on anything. The Thieves working as normal people are listed below but this is who I left off with XXXX XXXX who sounds legitimate on phone and tricked me completely in to waiting 60 more days while they continue to rip people off. XXXXXXXXXXXX Please make sure they are shut down so no one else sends money to these organized crooks