davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/XXXX, I had XXXX procedures performed by California XXXX XXXX XXXX XXXX. 

The charge for the first procedure was {$240.00}, which insurance did not cover. 

The second charge was for {$420.00}, for which there was an insurance adjustment of {$340.00}, meaning we had responsibility to pay {$78.00}. 

Between the XXXX procedures, I had a balance of {$320.00}. I paid that balance in full on XX/XX/XXXX via California XXXX XXXX XXXX XXXX XXXX XXXX at cmi.mypatientfolio.com. The confirmation number for my {$320.00} payment is XXXX. 

At that point, we had a {$0.00} balance. We have not subsequently incurred any further balances with California XXXX XXXX XXXX XXXX. In fact, their patient payment portal shows our {$0.00} balance. 

On XX/XX/XXXX, we received notice from a debt collector, CMRE Financial Services, that we still owed {$240.00} for the first procedure on XX/XX/XXXX, plus an additional {$0.00} interest, for a total balance of {$240.00}. 

On XX/XX/XXXX, we contacted California XXXX XXXX XXXX XXXX. They confirmed we had a balance of {$0.00} and said that theyd contact XXXX to have this debt removed from collections. 

On XX/XX/XXXX, we received another notice from CMRE Financial Services informing us they were trying to collect {$78.00} for the second procedure. 

Not realizing wed already paid the {$78.00} balance, we mailed a check ( check # XXXX ) for {$78.00} on XX/XX/XXXX that XXXX cashed XX/XX/XXXX. At that point, XXXX actually owed us the {$78.00} we overpaid. ( XXXX : that balance remains outstanding. ) In XXXX, XXXX contacted me by phone ( I dont have the exact date ) attempting to collect the {$240.00} they said we still owed. XXXX wed already paid, I asked them to verify the debt. 

Yesterday, XX/XX/XXXX, we received a notice from XXXX saying they have reviewed the details and discussed [ my ] dispute with the creditor. They included documentation that shows the original amount of {$240.00}, to which no payments or adjustments have been applied. 

Suffice to say we have ample documentation of everything in this complaint, including bank and credit card statements, a canceled check, Explanation of Benefits letters from the insurance company, screenshots from the XXXX patient payment portal showing when the bills were paid, phone records, and more.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I communicated with the company of issues of making payment of mortgage also placed the mortgage under forbearance to stop and unauthorized reporting on my credit. 
I also paid my mortgage up to date once paid i became aware of late payments being applied I requested removal of these inconveniences but to no avail.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX "
Consumer complaint received 2023-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NM)

Greetings. Prior to the pandemic, I was owing {$160000.00} ( XXXX principal and {$15000.00} interest ) in my student loan. I made payment towards my loan during XXXX. The total amount paid totaled about {$78000.00}, leaving me with a balance of {$84000.00}. Due to recent financial difficulties I requested the money be refunded to me as prescribed by the cares act. This occurred sometime around XX/XX/2023 when I was still with Ed financial. The agent I spoke to confirmed my request and said she processed it. She informed me that it will take about 60 days to receive my check in the mail. Shortly after this, I noticed my loan amount had increased back to the previous amount of {$160000.00}, which makes sense as I had requested the payment originally made be refunded to me. 

On XX/XX/XXXX my loan servicer was then switched to XXXX. After the 60 days had elapsed and I had not received my check in the mail as expected, I reached out to XXXX who could not see that I made payments during COVID and that I had requested a refund either. All they could see on their end was that I owe {$160000.00} ( No mention of the {$78000.00} paid prior or refund request that was supposedly submitted ). Because they have no history of my previous payment, they are unable to make any refund request on my behalf. I called Ed financial, and they said they requested the refund, but they are unable to tell me the status of my refund request or what was delaying the check. I even logged into studentaid.gov website which show my previous payment of {$78000.00}, but make no mention of the refund request and reports a balance of {$160000.00} ( Which inaccurately insinuates that my pre pandemic total loan is XXXX + XXXX ). 

It seems like the money I paid towards my student loan has been erased because I have not received my check as requested and my loan balance has returned to the pre-payment amount and no one is able or willing to tell me where my money/ refund is. I keep getting the run around. XXXX is unable to help me because they do not have the full record and Ed financial is giving me the run around. I tried calling the department of Finance, but unable to get a hold of a human on the phone in order to discuss my situation. Can you please assist me by figuring out if my refund was actually and accurately submitted to the department of education. If it was, I need to figure out where and when my refund will be sent to me. If it was not, I need the application resubmitted or have my loan amount updated to {$84000.00} instead of {$160000.00} to reflect payment already made since they are not refunding my payment.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Company has continually reported inaccurate information without verification while claiming they have met FCRA standards. Company has had a long history of doing so as 2 accounts they had previously reported as meeting FCRA requirements were found to not meet them and have incorrect information. This file contains both incorrect amounts being reported as the amounts in both letters differ as well as the amount on my credit report are different. The address and personal information is also incorrect and does not match me as it was claimed I was contacted and this never happed due to then information being incorrect and belonging to another user. Company is liable for lying over the last 12 months about running correct reports to FCRA standards. ID does not match current address or previous address or college address.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I have complained in the past. About my credit report tool to notice my accounts notice errors on how every month. I noticed there is a Glitch on the that there usein on my credit report which keeps copy records accounts paid showin my account. Credit specialist lhired notice this problem. Credit report company which also agreed ..it started XXXX. Equifax doesn't have no accounts. Shows I'm behind. my score from XXXX. Decrease XXXX. I have. Paid accounts off. EquifaxI have noticed they have. Removed. Pointtd 3x. From my credit scores with isn't fair which keeps me in the range under XXXX a month I ordered my credit report every month. Equifax account all Payments paid.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX via certified mail to dispute the inaccurate information that the company is reporting on my consumer report. The account is a charge off. I was not provided with a 1099-C form from the IRS. According to the IRS, the canceled debt is considered income. Income should not be reporting on my consumer report. The company is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). I requested documentation bearing my signature as proof that the company has the legal right to collect from me. I was not provided with the documentation that I requested. Instead, I was advised to contact the credit bureaus.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im contacting you regarding the recent investigation findings. I disagree with the conclusions and demand complete accuracy. I am not satisfied with the efforts made to contact the creditors/agencies responsible for the information on my report. I request further information on the following accounts : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$25.00} ; XXXX XXXX XXXX  Balance : - ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX  Balance : {$110.00}. As per the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I request a reinvestigation and update of these disputed accounts. Provide the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from receipt to complete these actions unless informed otherwise. Failure to verify within this timeframe constitutes non-verification, necessitating prompt updating of the accounts as per Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ), notify me once the accounts have been updated. Provide an updated copy of my credit report following this resolution.
Consumer complaint received 2024-06-12
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. (MI)

After looking over my credit report, I noticed that there are XXXX late payments reporting for XXXX accounts that I was never late for with XXXX XXXX. Account number XXXX and XXXX. Can you please investigate and provide the proof of the late payments? If there is no supporting evidence of late payments, can you please have these payments update as I was never late? Thank you
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been referred to the bank with XXXX forms of ID too many times to count. I been left stranded in XXXX where I live due to agents putting my accounts in credits only state. I been discriminated against yelled and told to go find a bank back where I live in XXXX. I have filed fraud claims and that's when my account gets suspended/referred to the bank. Last time I was at the bank was XX/XX/year> with XXXX forms of ID and was told by fraud servicing to open a new account to avoid anymore fraud and having to go to the bank. Today is XXXX XX/XX/XXXX and I am now being referred to the bank just as before in the old accounts. None of the claims I have ever filed have been resolved or any of my money recovered. The claims don't get filed correctly yet I get locked out and completely ignored. They refuse to listen ti me or help me. I leave back to XXXX tomorrow XX/XX/XXXX and have no way of going to the bank again because I'm not going to miss or change my flight to go back home. They wanted me to come and I did XX/XX/XXXX in XXXX CA with branch XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX  Account XXXX
Consumer complaint received 2024-06-12
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. (RI)

Reviewed my consumer reports and noticed that I had two 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 payments for the account Bank RI please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/, I submitted a dispute with Experian regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from Experian regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. 

As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. 

I urge Experian to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that Experian provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-12
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. (CA)

XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX has not reported correct credit card usage since XXXX. 

Can we get these companies that are required to update monthly do there job. 

This is showing that my XXXX XXXX credit card utilization is very high 90 % Thank you in advance for your assistance