davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (SC)

I have 2 accounts from XXXX XXXX medical centers that is a result of improper billing on the hospital 's behalf that I called about prior to getting placed in collections to get corrected. I spoke to several representatives in the hospital billing department and provided them the primary and secondary insurance numerous times which at the time was XXXX XXXX XXXX and South Carolina XXXX as a secondary. My insurances should have been billed properly to cover my medical expenses right then but due to negligence on the hospital 's behalf it was not. Now this item is will a collection agency named XXXX who is credit reporting these accounts. When asked to provide verification and validation of debt I'm was referred back to XXXX XXXX ... I called XXXX XXXX after to speaking to XXXX the aargon agent trying to resolve the account and get the billing error corrected..the billing specialist refers me to SC XXXX to see if they will back bill for the services rendered for these accounts. So I called SC XXXX and spoke to an agent who let me know that they will only back bill up to 1 year only. These accounts are from 2018 so unfortunately I'm in a situation to where I feel like I am being forced to pay for services that should and would have been covered by my insurance at that time. I feel my FCRA rights are being violated by aargon for credit reporting and not providing validation of debt. I'm very familiar with the laws and regulations a of the FDCPA and FCRA and intend to pursue litigation if this account is not removed from my credit report.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX please update all payment, all payment was made on time 2. Mistaken Identity XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. I did dot give them permission to check my credit XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2016-05-16
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I acquired a reverse mortgage for my mother in XXXX. She passed away XXXX XXXX, XXXX. I contacted Champion Mortgage about the repayment of the loan. I was told to submit the following documents : 1. Certification of Trust ; 2. Letter of intent to sell the property ; 3. Listing Agreement from the Real Estate company ; 4. a copy of the Death Certificate. I sent the documents on XXXX XXXX, XXXX. On XXXX XXXX I called Champion to ask why I had not received the payoff balance. They said I sent the documents to the wrong address XXXX and not to the XXXX office. The XXXX address was the address I was given. I faxed the documents to XXXX. XXXX XXXX I called Champion to confirm that they had received the documents. They had. I was told I would receive the payoff balance between XXXX XXXX. On XXXX XXXX I was told they needed the complete copy of the Trust. I faxed the complete Trust. On XXXX XXXX I called Champion again and was told that they did not receive the complete Trust because it was the Amended Trust. I explained that the Amended Trust was the valid Trust and the original no longer existed. I called Champion numerous times about this and was told each time that the Trust was incomplete. They also told me that I was not authorized to get the payoff because I was not the borrower. I explained that I was the Trustee of my mother 's estate and that I was the one who obtained the reverse mortgage. I am on the XXXX to the property. My loan officer who originally obtained the reverse mortgage has also been in contact with XXXX XXXX, a manager at Champion. My loan officer sent the Affidavit of Change of Trustee and another copy of the complete Amended Trust. Champion still would not give the payoff balance to the title company. The property is in escrow and closing today, XXXX XXXX, XXXX. 
I wrote to the XXXX and the XXXX. The XXXX has filed a complaint against Champion. Champion has refused to cooperate and has repeatedly denied my request for payoff. The buyers for the property are waiting for the title to clear so they can move into the property. This whole process has been absolutely the most frustrating and disturbing experience of my life. Champion and XXXX XXXX are complicit in conducting illegal behavior that no one should be subjected to.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (OK)

I sent certified funds via certified mail to Synchrony Bank/Sam 's Club to pay off this account in XXXX, 2015. It was signed for on XXXX XXXX, 2015 and can be verified at usps.gov. I have the tracking number. I have copies of the returned certified mail receipt that was signed by their representative. They lost the check and have added another months interest as well as a late charge. I have contacted them four times and get a run-around and an attitude that I 'm a deadbeat or am simply ignored. They are n't even offering the courtesy of a phone call, email or any form of update as to what, if anything, they are trying to do to remedy my issue.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.
Consumer complaint received 2020-06-13
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)

I received credit monitoring alerts that my credit score was impacted at XXXX, Equifax and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.
Consumer complaint received 2023-08-14
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: ENCORE CAPITAL GROUP INC. (IL)

Disputed unauthorized accounts being published on my credit reports with Midland Credit Management on XX/XX/2023 and XX/XX/2023. My request for validation of these alleged debts have been intentionally ignored. I requested the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and Midland Credit Management with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.

As of today, the unauthorized accounts are still being published on my credit reports and I have not received any communication from Midland Credit Management.
Consumer complaint received 2023-08-13
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. (PA)

After reviewing my credit report I noticed I had late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX/DEPT OF ED OPENED XX/XX/XXXX AND XXXX/DEPT OF ED OPENED XX/XX/XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late however XXXX states I was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

Wakefield and Associates began reporting as a collection account on all three of my credit reports in XX/XX/XXXX. This collection account was for a medical claim with a date of service of XX/XX/XXXX with XXXX XXXX XXXX of XXXX. 

I never received any written correspondence Wakefield and Associates. I found out about the account because of an alert from a credit monitoring app. I called Wakefield and Associates to ask what this account was and immediately when I found out it was a medical account I asked was my health insurance billed. I was told it was but when I called my health insurance company there was no claim on file for the date of service XX/XX/XXXX. Wakefield and Associates said I was " wrong and I could either pay or dispute it ''. 

I called XXXX XXXX XXXX of XXXX numerous times both in XXXX and XXXX. I was always told my account " was under review '' and unfortunately did not write down dates or who I spoke to. 

On XX/XX/XXXX I called the XXXX department of XXXX XXXX XXXX of XXXX and spoke with XXXX who I was told was the customer service representative assigned to my account. XXXX claimed this was the first time she was hearing about the claim not being filed with XXXX NJ health. So I immediately called XXXX NJ XXXX and again inquired if there was a claim and again there was not. I asked for that in writing and was mailed the attached letter. 

I called XXXX back & gave her the case number I was assigned by XXXX NJ XXXX as well as the claims address and phone number. 

I called again several times speaking with both XXXX and a supervisor XXXX and was told that the information I provided on XX/XX/XXXX was emailed to an internal claims department but because of the nationwide Covid-19 shutdown- there was no time frame on a response. 

On XX/XX/XXXX I spoke with XXXX again and was told that I was correct. XXXX who is the account manager replied to XXXX saying my insurance company was never billed and they submitted the claim to my insurance company to be processed. XXXX XXXX XXXX of XXXX said they contacted Wakefield and Associates the last time being XX/XX/XXXX to withdraw the collection account. 

I called Wakefield and Associates on XX/XX/XXXX and was told that they had no notes in my file to stop collection activity. 

I called XXXX XXXX XXXX of XXXX again asking for something in writing so that I could submit it to Wakefield and Associates and was told there was not an option.
Consumer complaint received 2023-09-01
Product: Credit reporting 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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX XXXX Account Number XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-14
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. (NC)

I have submitted letters to XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.
Consumer complaint received 2023-08-14
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. (NC)

I have submitted letters to XXXX, XXXX, and TransUnion on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-14
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)

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 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. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.