davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (MO)

I received a non-specific medical bill from XXXX XXXX XXXX in IL ( my acct # XXXX ) for around {$1200.00} in XXXX of 2022 - it read office " office visit '' or something like that. I knew I had not been in the XXXX area for any office visit - I live in XXXX XXXX, MO. 

Long story short, I was on vacation when the bill arrived and subsequently got sick with XXXX, so it was several weeks before I addressed the bill. 

I thought the bill was bogus - a scam - they said on the bill that the fee would LITERALLY DOUBLE if not paid within 30 days, which I thought was a ridiculous, high pressure tactic to scare some people to pay a bogus medical bill. 

I checked with my employer and they said they thought it may possibly be a legitimate bill of some sort, so I called the XXXX XXXX XXXX billing and they explained that this fee was actually for XXXX that a doctor of mine did, in fact, order. They pressured me to immediately pay or pay DOUBLE if the invoice was not paid within the 30 days. I told them I would not immediately pay, but that I would mail a check within a day or two after confirming with my doctor and my insurance carrier that the bill was, in fact, legitimate. 

After verifying that this was a proper bill from doctor and insurance carrier, I immediately mailed the check and paid the invoice in full. They probably received the check within 40 or 45 days, rather than the 30 they were demanding.

Since that time, I have received literally hundreds of phone calls from two different collection agencies attempting to collect an additional {$1200.00} - literally DOUBLE the original bill.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account XXXX Account name : XXXXXXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (VA)

LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens mo. 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Consumer complaint received 2021-09-02
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: SECURITY FINANCE CORP (TN)

I recently noticed an inquiry on my credit profile from Security Finance. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Consumer complaint received 2023-02-16
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent Accounts ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX  ), ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-02-16
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: Eagle Accounts Group, Inc. (MO)

I filed a complaint on XX/XX/XXXX. The following is a copy of a portion of their response in relation to this issue. The information continues to be reported on my credit report. This has caused me personal issues as it relates to my overall credit score. 

" XXXX XXXX XXXX XXXX XXXX, did request a deletion of the item from XXXX XXXX credit report. I contacted XXXX before writing this response and XXXX verified that the account is no longer reporting to XXXX XXXX 's credit. We advised her on XX/XX/XXXX that we were requesting deletion from credit. ''
Consumer complaint received 2021-09-02
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: Exeter Finance, LLC. (TN)

I recently noticed an inquiry on my credit profile from Exeter Finance LLC/XXXX. Ive never applied for any services with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (VA)

FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined by The IRS Publication 4681 Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income. 

INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law. 

15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something.

( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights.

Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information.

The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2022 Publication 4681.

This account must be removed.
Consumer complaint received 2021-09-02
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. (TN)

I recently noticed an inquiry on my credit profile from Equifax Mortgage Company. Ive never applied for any services with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I was scammed for {$500.00} dollars. I was supposed to view a place and was told that money was needed to be deposit to see the room. The scammer then goes on to send me fake picture of the room and said that it was required to put money down to see the room. I reached out to the seller and told them I felt pressure by them and that I felt uncomfortable when I have never seen the place. They then went on to charge my card without my approval for the place stating if I don't put something down that I'll lose my original deposit of {$200.00} for the application. My account was charged {$500.00} dollars additional and when I arrived to the apartment, everything was broken and filthy with bugs and dirt 's. I then immediately contacted Wells Fargo to report the funds and have them stop the funds and to open up a claim with them. A few days later, they sent a letter stating that they will not help me and denied my claim. They went on to say that I authorize the funds when I did not as my card was attached to XXXX XXXX and the scammer ended up charging my account for {$500.00} dollars. I then tried reopening the claim and stated that I have written text messages document of the scammer stating that they scam me and Wells Fargo refuse to look at the document and reconsider opening up my claim. On XX/XX/XXXX, I called Wells Fargo claim department and was told that even with my supporting evidence, they would not look at my claim.
Consumer complaint received 2023-02-16
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. (GA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (MS)

Starting in XXXX of 2021 I noticed a collection XXXX you on my credit report. I have disputed this 4 different times and they will not take this off. They took the {$87.00} dollar one off. So why take that one off if you think I really owe whoever this is but want take the {$1900.00} dollar one off. Ive never heard of this company and do not owe whoever this is. My other accounts thats medical are getting paid biweekly because I knew about the bill. I havent gotten any mail for me to acknowledge them. I again do not know this
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I am victimized by identity theft. The fraudulent Activity happened on XX/XX/2018, which I did not make any transaction to this company. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

Paypal has closed my account and access to the funds in my account. They will not offer any help in getting the issue resolved. This has to be a mistake, I am not knowingly going against any of their TOS. I just learned I could report the issue here. There is no resolution from them in sight, this is my money. I have paid Paypal Hundreds and hundreds of dollars in Goods and Services fees. I am a very active user of their playform. My paypal name is XXXX This is affecting my livelihood with no access to the funds.
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

At Select Servicing Portfolio we went on a COVID 19 forbearance plan. When it ended they demanded a lump sum to make up for the plan. I applied for assistance through their assistance program and they denied it for a modification with no explanation as how they arrived at their decision. Our housing counselor reviewed the response and helped us with the appeal. We asked for specific information about how they came to their denial. We are not asking for a principal/interest reduction only that payments resume as they were before the forbearance. 

Also one thing I noticed is that they have our income at {$1300.00} per month but we estimated about {$2400.00} per month in income. That could be the reason it is being denied.
Consumer complaint received 2021-06-28
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. (OH)

I noticed 2 identical charges on my XXXX statement for XX/XX/2021 for {$180.00} from a vendor called " XXXX XXXX XXXX '' transaction ID XXXX invoice ID XXXX details " Restart game ( XXXX XXXX ) and XX/XX/2021. 

" XXXX XXXX XXXX '' transaction ID XXXX invoice ID XXXX details " Restart game ( XXXXXXXX XXXX ) Out XXXX account links to our credit card for Slate Chase Bank. We disputed the charges with Chase right after they occurred and they initially credited both to us. After months of investigation by their fraud department, they decided that the charges were " valid '' and charged them back to our account. We then pursued the claim with the Ohio Office of Consumer Affairs under which XXXX complaints can be investigate. After some time, XXXX agreed to credit back the charge of XXXX from XXXX but said they could not credit the one from XX/XX/2021 because it was already " charged back '' by the credit card company. This was back in XX/XX/2021. We have tried to pursue the earlier charge of XXXX with Chase 's fraud department again and even got a local branch to assist. They called us several times and left messages. When I called back, many times, I was never able to reach them as they never answered their extension. We have tried to get them many times but they have sent an on-line letter to my account saying they have abandoned the attempt since they could not get ahold of me. They left another number and extension which I have repeated called and have not gotten any more response.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Med-1 Solutions, LLC (IN)

I recvd a phone call from XXXX on XX/XX/XXXX regarding my last complaint with med-1 solutions. She informed me that shell speak with the legal dept. to see if we can can get rid of the legal fee that med - 1 solutions were charging then give a call back within 1 day. I never recvd a phone call back until XX/XX/XXXX. I informed her that I can start to make a payment on XX/XX/XXXX. I also recorded the conversation. I made a payment through portal. On XX/XX/XXXX. When I made that payment of {$50.00}, my balance was XXXX - my issue with med -1 solution is the they send me two letters informing me of what debt is owed. On XX/XX/XXXX I recvd a letter saying that I owe XXXX. I recvd another letter on XX/XX/XXXX XXXX. Theyre constantly are changing the balance of what is owed and for me to pay back. I also made a payment on XX/XX/XXXX of {$200.00} which does not reflect on my total balance. I believe that they are giving my mis information and trying to charge more to me without any knowledge of why I am being charged. XXXX went to make a payment on med -1 solution website and the balance on my receipt sent to me on XX/XX/XXXX is XXXX again my balance is not the same nor does it says why theres a increase XXXX.
Consumer complaint received 2021-06-28
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)

There is a debt from XXXX in the amount of {$2400.00} that I have to keep disputing and requesting validation on for the the past year or so. In XX/XX/2020 XXXX sold this debt to a company named XXXX XXXX ; who failed to validate the debt and was deleted from my report. Then XXXX decided to sell the {$2400.00} debt to XXXX XXXX XXXX in XX/XX/2020 ; and in turn they failed to validate the debt and was deleted from my reports the 2nd time. Now going on the third attempt ; XXXX has decided to sell this {$2400.00} debt to XXXX XXXX XXXX company in XXXX, NC. I have sent out a certified letter to this new company to validate this debt XXXX debt for {$2400.00}. 

I am tired of XXXX keep going from different collection companies ; trying to collect a debt they failed to validate twice already. I have asked them several times to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance ; including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

XXXX has violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file. Since they have failed so many times I am asking that they cease sending me collection letters from several different companies trying to collect a debt that does not belong to me and I have provided documentation stating this does not belong to me.