davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (NJ)

XX/XX/XXXX. I called Quality Asset Recovery, LLC in reference to two bills I received in my name. The creditor is XXXX XXXX XXXX XXXX and the bills were my children 's ; XXXX XXXX and XXXX XXXX. I called at approximately XXXX and asked to discuss why these bills were in my name. I spoke to a " case manager '' for this debt and asked politely for him to take the bills out of my name for they were not mine. He ignored me and asked me if they were my children I responded yes. He then said " well if they are your children they are your responsibility ''. I stated they were not my responsibility and I know my rights. He then started to harass me and intimidate me into trying to pay these debts. I told him if he did not take my name off of both debts then I would contact the Federal Trade Commission. He then said " well the best I can do is file a dispute ''. I then stated fine and I am still filing a complaint because of this situation. My information should have never been given to anyone from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX. Also the dates on the notice for date of service is wrong it states XX/XX/XXXX. At that time my son and daughter were not living in this area. These bills are for cancelled appointments not even for actual services rendered. Pointless just a way for them to scam consumers. I am very upset that this creditor send my information to this debt collector. My information in none of their business and I wish to have my name removed from these bills and their data base. The one bill is in my correct name XXXX XXXX with an account number of XXXX, date of service XX/XX/XXXX. The second bill is is in the wrong name of XXXX XXXX, with an account number of XXXX, no date of service listed. Please have my name removed from these bills and do something with XXXXXXXX XXXX XXXXXXXX XXXX for selling my information without my permission. If you need to contact me you may do so by email XXXX for cell phone XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have no knowledge of the account XXXX, XXXX XXXX XXXX Acct # XXXX. THIS ALSO LOOKS LIKE A MEDICAL ACCOUNT OF SOME SORT, AND ACCORDING TO 43 US CODE 1320d-9 note, this is a direct violation. No medical history shall be reported, furthermore this is a XXXX XXXX! 

I would like this account deleted from my report as soon as possible.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and they are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX 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 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
Consumer complaint received 2024-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 

I have disputed and reached out to this company on multiple occasions regarding this item that appears on my XXXX credit report. I have sent multiple debt validation letters requesting specific information listed as follow : Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical XXXXmedical records. 
Cease any credit bureau reporting until the debt has been validated by me. 

This company was also informed that this account with the original creditor was fraudulent and a part of a federally documented identity theft case in which a Federal Affidavit of Identity Theft was provided multiple times. Documentation as it relates to this account was also provided. This case was a part of a criminal case in which the person who stole my identity was XXXX and sentence to a XXXXXXXX XXXX XXXX for this account and several others. This collection agency refuses to remove this item and keeps updating this item on my credit report as to say that I owe this debt. At this point, I have reached out to a Consumer Finance Attorney to fully intend intend to exercise my right sue this collection agency under violating my rights as a consumer under the FCRA and FDCPA, defamation, mental and emotional distress caused by reporting this items falsely, failing to remove inaccurate account of this debt from multiple credit bureau after sufficient proof was given, failure to provide notice of account deletion via postal mail, and wrecking my credit score which resulted in denials for over 6yrs from the date they added the account as a debt to all major credit bureaus. I fully intend to follow through with this federal lawsuit. I only asked that they remove the false and erroneous account from my credit report. There direct refusal to provide adequate proof that this debt belongs to me and refusal to remove this account have made it nearly impossible without taking full legal action.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CHECK INTO CASH INC. (WI)

I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST MERCHANTS CORPORATION (IN)

Annual escrow account disclosure received from First Merchants Bank dated XX/XX/XXXX shows my monthly mortgage payment will be increased to XXXX. 
This is the amount I've been paying for XX/XX/XXXX and XX/XX/XXXX. 
My monthly statement dated XX/XX/XXXX shows my monthly payment as XXXX XX/XX/XXXX I called the bank XXXX at XXXX to see why the amounts don't match. The rep told me she wasn't able to provide me an explanation for the discrepancy. She created a ticket and said that I would receive a call within a week from their dedicated department. 
No such call was received. 
Instead, I received a transaction statement in the mail dated XX/XX/XXXX, but no letter of explanation for the payment discrepancy was included. 
XX/XX/XXXX I called the bank and again was told by the rep that she couldn't tell me why there was a discrepancy. The rep transferred me to the mortgage department, but they " couldn't locate my account. '' So I hung up and called customer " care '' back. I was told my ticket from XX/XX/XXXX was closed in error and that the issue would be escalated. I should expect a call within a day. 
Again, no call was received from the bank. 
XX/XX/XXXX I sent a follow up email and was told I'd hear back with an answer. I still have not gotten a response from them. 
To further muddy the waters, they've reported my monthly payment to the credit bureau, XXXX, the XXXX amount. 
I need to know why my payment isn't matching the annual escrow analysis and to get them to correct their mistake one way or another.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a collection notification of {$9600.00} on XX/XX/XXXX at my Trans Union credit report. 
Trans Union has asked me to file the complaint with FTC and provide them with the report along with my SSN and then they will take the next steps. I dont recognize this request and its not reported in any of other credit reports. 
Because of this collection request my credit score we t down drastically.
Consumer complaint received 2022-12-20
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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. (DE)

XXXX account # XXXX continues to report negative and inaccurate entries on my credit profile. I have disputed this account across all three Major Credit Bureaus. XXXX removed it but it still reports on XXXX and TransUnion. I never authorized nor consented to the opening of this account, and as a result I have specifically requested each Bureau provide me with the ORIGINAL SIGNED DOCUMENT, the one at the time of signing the day the account was opened. No Bureau has provided me with this information yet, which leads me to believe they don't have it and therefor this account needs to be deleted expeditiously from all parties reporting.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (CA)

I have seen patterns of abuse in which collection agencies do not provide me with a call or any form of communication in writing but send it to my credit bureau or contact my job via work email. I ask for documentation and cease until documents are provided and requests are granted.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (NC)

I made my last payment to Carmax on XX/XX/XXXX. 
On XX/XX/XXXX, I refinanced my Loan through XXXX. A week later I called Carmax to confirm they had recieved the payoff check, They stated that they revieved the check. That is just hadnt cleared yet. The following week ... I went to co-sign for a truck for my son. I learned that they ( Carmax ) still had not cleared the check. So I called them. The same day I recieved a bill in the mail for my next payment. They stated that the check was declinded from XXXX because it was XXXX Short.Carmax never once called me to communicate this issue, even after I called to confirm they recieved the check. At this point I had already made a payment in the new loan with XXXX. In short.. XXXX had to refinance the vehicle AGAIN. Resulting in another inquiry on my report from XXXX. XXXX XXXX was apologetic. I was furious, because I did not want it reported to my credit. Carmax stated as long as they recieved the check within 10 days, they would not report it, XXXX overnighted the check, I recieved it the next day and then I overnighted it to Carmax. They recieved the check within 5 days from the conversation. I called to confirm they had received it. They in fact had, it was in processing. It was paid off by XX/XX/XXXX ( Shoulve been sooner ). Not only did they decline the check over XXXX ... After the payoff, I over paid XXXX ( Thats 2 whole car payments ). This delinquent payment needs to be removed from my credit. Due to the poor customer service and neglect of my documents from XXXX XXXX.
Consumer complaint received 2022-12-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Date XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$740.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

It has come to my attention that someone has altered my name associated with my social security number. Per conversations with the social security administration there was activity unauthorized and unknown to me regarding my legal name as associated with my social security number. 
I have reason to believe that I may have been or will be the victim of bank and financial fraud. In particular certain marital assets and trust assets held at SunTrust, XXXX XXXX SunTrust XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX XXXX may be at risk. Such bank branches primarily located in XXXX and/or XXXX, TN. 
I seek your help on how to flag any accounts held in my name or for my benefit. In particular, how to ensue any transfer or removal of my rights to custodial assets. 
I have reason to believe the trust assets involved evade [ $ XXXX ]. As of [ 2014 ] the assets have been a part of a civil dispute. I have not authorized any transfer of assets held in my name or for my benefit. 
Unfortunately, trust officers at the aforementioned banks may be incentivized ( or misled ) to commit fraud. The law firm XXXX XXXX XXXX XXXX  office, at XXXX XXXX XXXXXXXX, has a long history representing the trust and related accounts at issue. 
I seek your help to assure my accounts are held and protected in accordance with all applicable laws and regulations. 
Thank you, XXXX XXXX XXXX XXXX *** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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: CITIBANK, N.A. (FL)

There's an inquiry on my XXXX credit report from cbna. I'm unaware of the giving cbna permission to pull my credit report. I have asked XXXX to provide me with the original documentation that was used to consent a credit pull. This inquire is stopping me from getting credit and loans for personal and business.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (GA)

ERC has continued to contact me regarding a XXXX IPhone that was returned to XXXX when my husband and I decided to combine cell phone plans. We have informed ERC twice about this issue and asked them to verify with XXXX that the phone was returned to them. XXXX has never sent us a statement regarding the cell phone and we are currently XXXX customers now and if we owed a balance then XXXX would have informed us before service could be established. My husband contacted ERC on my behalf to obtain dispute information on XX/XX/2017 at XXXX. He spoke with XXXX who refused to provide her employer identification number for a reference and also failed to provide any dispute information also.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In a letter dated XX/XX/XXXX, CapitalOne stated they would reduce my payment for 6 months starting XX/XX/XXXX ; though they never followed through. I continued to tell the representatives that the payment was supposed to be reduced and I was told that that arrangement was denied and the full regular payment amount was due. I've been making the full payment since XX/XX/XXXX, except for one missed payment in XX/XX/XXXX. Now CapitalOne is threatening to repossess the car because they state I am behind 3 months at the full payment. I made a full payment in XX/XX/XXXX, and they are demanding another full payment today XX/XX/XXXX in order to make a separate payment arrangement to avoid repossession. CapitalOne did not honor the agreement they made in their formal letter to reduce payment and continued to demand the full payment amount and continued to call and threaten repossession.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CO)

I have several unauthorized hard inquiries on my credit report from XXXX that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (GA)

This email me on a settlement amount of {$180.00} I paid {$180.00} by XX/XX/XXXX they told me it will take 21 business days for my account to be closed with no balance leftover after 21 days passed in XX/XX/2023 i was told its still pending I reach out to this company again on XX/XX/XXXX they telling me to call in 24hrs so I called today XX/XX/XXXX and I'm still getting the run around account still reporting a balance still reporting I'm late how I'm late when I do my part They don't what's going on one agent told me he doesn't know how handle settlement cases he learned from my experience they are bad at communicating and updating information
Consumer complaint received 2015-06-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bayfield Financial, LLC (WI)

Bayfield Financial LLC has sent me a subpena on a debt I paid in XX/XX/XXXX when It was discovered that I was not approved to live in the home I now own and have owned since XX/XX/XXXX- Once I showed proof I paid these creditors I was approved to move into my community. It was paid with XXXX cashiers checks totaling somewhere around the negotiated price of {$860.00} from XXXX XXXX bank which no longer exists. XXXX took them over. I contacted XXXX and they have no records and if they did, do not go back that far for cashiers checks. Now after 9 years they are claiming I never paid it and I owe {$8000.00} some dollars. After 9 years I have no more documentation of this - I shred all papers after 3 -5 years depending on what they are. I have never been contacted by this company in the 9 years since and all the sudden a lady shows up at my door XXXX day with a letter addressed to my maiden name and tells me to sign and show up in a makeshift court in a weeks time.