davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (OK)

I had Medicare XXXX plan. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX. My copay should have been around {$90.00}. The Hospital failed to correctly file the insurance claim with XXXX XXXX XXXX XXXX Medicare XXXX plan. I have been to Hospital and outpatient services for more than a year and was not notified. I woke up to a XXXX point plunge of my credit for an incorrect debt of more than {$1000.00} - by XXXX XXXX under the Wakefield and Associates collection agency. I immediately contacted Wakefield and credit agency to dispute. I emailed pictures of insurance cards 10 days ago. Medicare is automatically taken out of XXXX payments. The hospital 's failure to properly code the claim is their responsibility and beyond my control. Additionally, the debt reported increased within the same week. I'm insured. I've been insured under Medicare XXXX plans since XXXX. Now, my credit is damaged when I need it most. Wakefield has refused to remove from my credit. I'm damaged every day this is on my credit. Further, it's causing incredible mental distress as I'm already disabled due to severe mental illness. I provided proof of insurance at the time of service. I had no derogatory entries on my credit. Not one single late payment. I'm on a fixed SSDI income since XXXX. This is destroying my life.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management harrassess me non stop even after speaking with them. I spoke with them and explained my situation. I am low income, on a housing program and can not afford to currently pay off any debts. I asked them to stop calling me at work. They refuse to listen to my request, and constantly call me while I am at work.
Consumer complaint received 2024-06-21
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. (TX)

I did not authorized this inquiry. 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 an account without my written instructions
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a paym
ent as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and have taken immediate action to address it. It is crucial to resolve this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter would be sincerely appreciated.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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.l 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. there is some inaccurate information reporting XXXX XXXX  Account number # XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Momnt Technologies, Inc. (GA)

On XX/XX/XXXX, I contracted XXXX XXXX XXXX XXXXXXXX to remodel my shower. Registered agent named XXXX XXXX. They never came to do the remodel. I tried multiple attempts to resolve the issue with them directly to no avail. They ignored my lawyer and my attempt to serve court papers was returned nonest. I reached out to the loan company that XXXX XXXX partnered with, which is Momnt. They told me they would investigate the issue. I submitted my first ticket with them about this issue on XX/XX/XXXX. They made me believe I could trust them and that they would handle it. I have called multiple times about an update and each time they tell me it is under investigation. Now suddenly the loan is appearing on my credit report, suspiciously around the time my 0 % APR is ending. I called on XX/XX/XXXX, and they said it should still be suspended and they have not fixed it. I sent a follow up email on XX/XX/XXXX, and they told me to dispute with the credit bureaus. I never received a result of the investigation. This leads me to believe they had no intention of investigating this matter. There are several cases just like mine all over their XXXX XXXX XXXX  page and I believe the loan company knew that XXXX XXXX  was not delivering services and continued to approve loans. I do not have the money to pay for something I never received. 
I have reviewed Momnt 's website that relates to merchant agreements and XXXX XXXX XXXX XXXXXXXX and XXXX XXXX have violated these terms. It seems that Momnt has a reserve account for matters like this. They also have a clause about the merchant violating the Federal Trade Commissions Holder Rule ( 16.CF.R. Part 433 ) ), which XXXX XXXX has violated. The FTC 's stance aims to protect consumers from situations where they are left liable for payments despite not receiving the promised goods or services as intended. This rule is often related to this concept, where a third-party lender might try to claim they are not responsible for issues between the seller and the buyer, even if the consumer has legitimate complaints about the product. The FTC considers practices like this to be " unfair and deceptive '' under Section 5 of the Federal Trade Commission Act, allowing them to take action against companies engaging in such behavior.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (IL)

Offender : Credit Managment Company This has been happening several times every week now. They would robo-call me and did not provide any information other than to just call them. 

I blocked the first number, and now they sent a new XXXX call voice to do the same thing. 

I checked my credit, and I have no outstanding debt that was sent to collections. My XXXX XXXX is XXXX with no bad marks. they refuse to tell me who the debt is for and is now borderline harassment. 

Feels like they are on a fishing expedition to get my personal information or to make up false debt.
Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XX/XX/year> I received notice that The Art Institutes were found to have committed substantial misrepresentation that borrowers relied on to their detriment. The Illinois XXXX XXXX XXXX XXXX which I attended are among these schools. As such the Federal/ Dept. of Education loans are being discharged. A couple months later I learned my loan servicer Navient offers a School Misconduct Application upon request. I did as such XXXX XXXX regarding four loans for the time I was enrolled. Navient promptly instructed where to start the application. After some back & forth with the time taken to acquire everything the application requires, I was able to submit the application XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> when I logging into my Navient account, I saw a notice stating my application was denied. However, I have only been provided the following message : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' This is clearly a generic message sent out for any application denial. I've never been informed by Navient that requirements exist, what the requirements are, & what I didn't meet. I contacted Navient to know why my application was denied specifically. Since the school I attend has been proven they committed misconduct under the court of law, I asked that the denial of my application cite any issues directly. As well as what can be done to appeal this decision. The only response I received is we'll look into this. Without any additional follow up to date.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed (TX)

Texas Guaranteed student loan company started charging me repayment XXXX  years ( 2007 ) earlier while I still was attending school fulltime. They took a {$6600.00} income tax. $ XXXX in payments. {$16000.00} at {$1600.00} a month for XXXX  months. Added in {$7000.00} in fees. They took over - {$25000.00} + added {$7000.00} with no receipt. That's {$32000.00} dollars in fees. They said XXXX reported me XXXX. I never went to XXXX part time
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MN)

I applied for a Citi Bank Secured Credit Card and my application ID : XXXX was denied due to the credit privileges on your existing account ( s ) are currently restricted. I do not have any current or existing credit card accounts or any accounts with Citi Bank right now. So my application should have been approved by Citi Bank for the Citi Bank Secured credit card. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

In accordance with the Fair Credit Reporting Act convergent accounts XXXX XXXX, infinite financial, XXXX XXXX XXXX XXXX has Violated my rights. 
15USC 1681SENTION 602 STATESI HAVE A RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604 ASECTION 2 it also States a Consumer Reporting Agency Can not furnish a account withoutmy written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as a late for and purpose.
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

On XX/XX/year> Nelnet received notification from the Dept of Education to discharge my loans. As of todays date, XX/XX/year>, Nelnet has not discharged my loans and has not issued any refunds due me.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a general problem with all three XXXX XXXX XXXX XXXX ( Transunion, XXXX, XXXX ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.
Consumer complaint received 2024-09-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TX)

Began receiving calls in XXXX of XXXX from " NAVIENT '' which have continued several times daily since then regarding student loans owed by my deceased wife. She epassed in XX/XX/XXXX ; the loans were made prior to our marriage ( XXXX & XXXX - married XXXX ). I had no idea these loans existed. 
Submitted death certificate which they have confirmed receipt XX/XX/XXXX ; calls continued unabated; received a letter late XX/XX/XXXX which denied the death certificate - navient indicated it was not valid ; when actually they just wanted a SSN written on the certificate. 
I did that as well and they confirmed today, XX/XX/XXXX that they received ; but did not bother entering that anywhere and they continue to call - three times today.
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. ()

Mid XX/XX/year> my mother and father in law who are based in XXXX were in a car crash and my husband who is based in XXXX XXXX travelled back home. When he informed me about the situation my parents in law were in I needed to send money and the we usually use Worldremit to send money home. I sent money to his Zambian number that I dont use often and I made a mistake with XXXX digit. The number I mistakenly sent to is XXXX XXXX XXXX. I sent XXXX XXXX which was meant to be ZMW XXXX, XXXX when being withdrawn in XXXX. The transfer number XXXX. 

Within a minute I saw this mistake I tried to recall the transaction as this app has that feature. Nothing happened it just kept on showing processing and there was no feedback. I called their call centre I was told that they are off line I must try in an hour. 

I called again in an hour I was told that they will engage their local partner which is XXXX at this case. I made follow ups I was told that this process takes time. Every second or third day I would make follow up and would be told the same thing. In fact now they got irritated that in future I must make sure that the number is correct. This happened on XXXX XX/XX/year> and I was told on XXXX XX/XX/year> that the money was withdrawn and they cant reverse it. I asked if they cant make this persons account have a negative balance so that should he get money to this mobile number it is automatically reversed up until all my money is paid up. I was told that is not possible. I asked for the email address of their local partner so that I can try to persue this on my own as worldremit is not interested in helping me recover my money and I was told they cant do that either.