davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NY)

I continue to receive bills for the {$130.00} owed to XXXX XXXX for account XXXX. 

This amount is fully covered by my insurance XXXX XXXX XXXX this has been confirmed by them on multiple occasions. 

I have contacted XXXX multiple times regarding this amount was assured that it was an administrative error would be corrected. To date, it has not been corrected. 

XXXX also contacted XXXX multiple times and they too were assured by XXXX that issue was being corrected and would be fixed when the company worked its way through the backlog. 

XXXX says XXXX continually submit the amount for payment with an incorrect billing codeXXXX XXXX  state that XXXX continue to use the diagnostic code of XXXX for a XXXX XXXX being advised multiple times that this is incorrect. 

The date of the service was XX/XX/XXXX and this account has been placed on hold multiple times without any corrective action being taken. 

On XX/XX/XXXX this matter was sent to Radius Global Solutions ( XXXX ) XXXX ( account XXXX, quest account XXXX ) demanding payment. 

As this amount has been outstanding for more than a yearwithout any corrective action being takenI consider this harassment. 

I would like the company to accept that the money is not owed. To stop seeking payment and either collect the amount owed from XXXX or write it off as I do not owe this amount.
Consumer complaint received 2023-06-05
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: WELLS FARGO & COMPANY (OR)

No amounts where settled or fixed by XXXX XXXX rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a Wells Fargo account that was closed but I had never opened it. It was received to my fathers XXXX XXXX which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of XXXX XXXX that were going thru a credit card that I never opened up? So there was two XXXX XXXX  accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.
Consumer complaint received 2022-11-09
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$820.00}.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

I have had a XXXX credit card with Comenity bank now under bread financial. I have been unable to use the card itself for 4 months. They state it is system issues. I was told to not pay on the balance until they get this fixed. They have not gotten this fixed and keep postponing when I can use my account. I no longer can do anything with this account other than pay the late fees which have accumulated. I have had a open credit limit on this account and the account has been in good standing up until their system issues. Due to their system issues this is impacting my credit and the use of their issued credit card. Any customer service representative just asks me if I want to close the account instead of proving a resolution.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

For the FOURTH month in a row Round Point has incorrectly applied my payment and made collections calls to me that are false. They have received the TOTAL amount of my mortgage payment BEFORE the due date but refuse to post it unless I make a phone call. They seem to be trying to do this in an effort to fraudulently charge me late fees. I've tried calling customer service on Thur XXXX and was told the mistake would be corrected. I then received a call on XXXX stating that my " payment couldn't be received '' but the rep wasn't sure what to do next.
Consumer complaint received 2022-11-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (NY)

They call constantly all day from XXXX to even XXXX. While Im at work, Im getting in trouble for my phone ringing often. Even when I have a payment submitted to them, they call. I submitted a payment XXXX days ago ( XX/XX/22 ) on the due date. They still are calling me minimal 4 times a day and leaving messages. I have asked them in the past ( in XXXX ) NOT to contact me via call, only paper. I have asked not to be contacted for this every time Im on the phone with them. Every time, they say there doesnt seem to be file of that. So no one is even reporting that I dont want these calls.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

I am writing today in regards to my account with JPMCB Card Account number XXXX. I would like to discuss the late reported in XX/XX/2020. Due to Covid I was unable to get the payment made. As soon as I was able I did make the payment quickly. I am asking for an adjustment to be made to for XX/XX/2020 to either paid as agreed or no reporting for that month due to covid and the long good standing payment history I have with your company.
Consumer complaint received 2022-11-09
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-09
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. (MD)

I have provided all three bureaus copies of my report filing from where someone stole my personal information and obtained credit in my name without my knowledge. To date the bureaus have not removed these items as clearly required by law according to my attorney. They have also not provided details of how they claim to verify these items even though we have requested these details several times now. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Fair Credit Act 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 

These are the accounts in question : XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX : XXXX
Consumer complaint received 2023-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft I been trying for many months to resolve a few errors on my credit profile that is inaccurate. The accounts that have been challenging to resolve with Transunion, XXXX, and XXXX are XXXX, XXXX XXXX, XXXX XXXX and hard inquiries XXXX XXXX  listed twice ), XXXX XXXX, and XXXX XXXXXXXX. I've spoken with Transunion in regard to the hard inquires and attempted to have them removed within XXXX consecutive months, but I'm being told they can not remove these hard inquires without a written letter from the companies.
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX
Consumer complaint received 2023-05-13
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove the following items : 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 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 2022-11-09
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. (GA)

Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX  XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX XXXX in fact, so be it ; As the XXXX XXXX  the company has violated my consumer rights in more than one way and has caused damage to my reputation. 

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

It is a fact, no authorization nor consent was provided to post on my credit profile.

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information.

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods.

It is a fact, that my consumer rights are being violated.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

Equafax : I have tried to place a freeze online and receive a response that I have to send a written request, with no explanation about why I can not do it online at their website. I have also twice signed up online for their free monitoring service and have not received the promised email to complete the process within the allotted 3 days. I called their number on their website for help and received only the " canned '' response in their public statements and no help in placing a freeze or getting the monitoring service. The agent had no access to my information! Some help!
Consumer complaint received 2023-08-09
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation (WA)

Merchants Credit Association ( MCA ) did not provide me with the updated amount of debt that I owed prior to reporting my debt to a credit reporting company. My previous medical debt was {$2500.00} but after my husband and I contacted the WA State Office of the Insurance Commissioner ( XXXX ), the total amount of debt I owed went down to {$100.00}. Considering the vast difference between the original amount I owed and the actual amount owed, I expected MCA to contact me about this corrected debt. MCA did not attempt to speak with me in person about the updated debt, they did not attempt to speak with me over the phone about the updated debt, they did not mail me a letter about the updated debt, nor did the send me electronic communications about the updated debt. Had they done any of these acts, which they are required to do prior to reporting a debt to a credit reporting company, I would have paid the updated debt amount immediately. I simply needed to know exactly how much I owed and who to pay. I previously submitted a complaint to the CFPB about this issue but it went unresolved. While MCA did finally contact me with the information I needed, this entire situation was mishandled by MCA and XXXX  XXXX as no one kept me in the loop of what to pay once XXXX resolved the claims issues I have fought for the last year and a half. Since receiving the information I needed ( again, only after I complained to the CFPB ) I have paid my medical debt.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I became a Bank of America customer back in XXXX. About five years later, they refused to block XXXX from making monthly charges to my account after I canceled their services and I had to close my BOFA account to prevent further charges from XXXX. 

Last month, XX/XX/XXXX, I decided to open new accounts with BOFA, because they are the nearest bank from where I currently live. I opened a checking account and a credit card account. On XX/XX/XXXX, I tried to make a {$3000.00} payment to my BOFA credit card and noticed they had a new system to do it. It had to be done through " XXXX XXXX '' and not directly as in the past. I clicked on my current BOFA credit card account, the only one shown on my dashboard and it took me to their " XXXX XXXX '' system. It automatically showed BOFA credit card account and I thought it was the only one I have with them and did the {$3000.00} payment. The next day, I noticed the payment had not been applied and I had received no notification that was being processed so I called them and spoke with a representative. He said I had to give it more time to post but I requested a confirmation that the payment was being processed. He said I could see that on my XXXX XXXX transaction history. When I checked that I noticed the payment had been applied to my old credit card account which I asked them to close more than 4 years ago. Then the representative said it would take 60 days for them to research that. I was very disappointed and called them back today, XX/XX/XXXX and asked to speak with a manager. She confirmed it would take 60 days to research that and said I should have deleted my old account from their XXXX XXXX system. I told her that I never used their XXXX XXXX system before and never added my old account. She said she couldn't help further. 
I need the CFPB assist me with such unfair situation. BOFA should have closed my old account when I asked them to do so and their XXXX XXXX system should not have pulled an old account that I never aded myself, automatically. 
Now, I need to find extra money to at least make the minimum payment to my current BOFA card that has a balance of {$3600.00}. It's so unfair. I have never maid a late payment on any account and have never defaulted on any debt. Thanks in advance for your help.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$770.00}