davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (GA)

In XXXX XXXX XXXX, my daughter, as a result of XXXX XXXX  from mismanagement of her medications, XXXX XXXX XXXX XXXX XXXX. I rushed her in my car, to an in-network hospital where she received life saving treatment. She underwent XXXX  XXXX and it was determined that for the safety of her life and continued life-saving treatment, she would need to be transferred to another in network facility for continued to care. She is a minor. We asked if we could transfer her in our car from the hospital to the mXXXX XXXX XXXX  and were informed we could not. At no point in time was I ever informed that there would be charges beyond those covered by my insurance, allowed to choose an in network ambulance provider, nor was I even given the ability to consent to her ambulance transfer. I never received any paperwork regarding even what ambulance company was transferring her or anything regarding authorizations with the hospital. She was checked into an in network facility and transferred to another while she was checked in. I was then billed XXXX for this ambulance transfer. The company XXXX XXXX XXXX it has since been transferred to collections ), was paid an agreed out of network rate from my insurance provider, and charged me the remaining amount. I called them and requested information regarding this ambulance transfer and the documentation related to its authorization. I requested the documentation they received from the hospital regarding the ambulance transfer, authorization etc and they would provide nothing. They were completely unhelpful, refused to research the issue, and were distressing on the call. I then contacted the hospital billing department. The hospital stated they did not even have appropriate paperwork in hand for her transfer and told me they would research and reach out the ambulance company, as they didnt have record of appropriate authorizations etc. I followed up multiple times without response. The charge was then transferred to a collection agency of which I sent a letter stating the nature of the charge was erroneous. They never replied.
Consumer complaint received 2023-07-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I was late on my mortgage, and received help from the original mortgage company, XXXX XXXX. However, I purchased my home for {$230000.00}. When my loan packet was sold to XXXX XXXX XXXX  there was an additional {$80000.00} added to my principal, and now my principal balance is {$300000.00}. But no one can tell me where this extra money came from that was added. If it were the total number of missed payments, then I would have had to have almost 3 years worth of missing payments, which i did not have. I have reached out to my current mortgage provider, Mr. Cooper, and they can not explain what this additional money is either. Additionally, it seems that every 6 months they keep increasing my escrow account, and I know that my property taxes and insurance do not go up over {$6000.00} year over year.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc. (IL)

I was contacted about this debt back in XX/XX/2023 where I requested information on how to dispute the debt in question as the debt they are discussing was a scam that my bank blocked and therefore I have to responsibility for. I never received a mailed in packet like I was told I would. I tried to follow up and was told I was also sent an email but they have the wrong email on file. Gave them new email address but was never provided with an email. We then moved out of state. When I was contacted again I explained I never received the information I requested and then gave them my updated information once more. Again, did not receive the information. On XX/XX/2023 I received another call. This time I was transferred to speak to a supervisor. This conversation lasted XXXX minutes. During which I explained again that the charge was a scam and I do not owe the debt. I had to ask multiple times, no less than XXXX, for them to send me the dispute information. This person repeatedly told me if I dispute the debt it would be a difficult process and I should just settle with the amount the disclosed. Me repeating myself several times did not deter this person from relentlessly expressing I just " needed to pay '', patronized me by suggesting my mom probably " help '' pay my finances, and ignored everything I said in regards to disputing. When I finally got him to send me the email while on the phone he agressively told me I needed to send him all the information I had back to him right there on the spot while still on the phone. He then said I needed to also have it notorized before sending it, which he knew was not possible. When I said that he laughed and said " exactly so we should just settle it ''. I am so disgusted with this XXXX minute phone call and the absolutely manipulative nature of trying to obtain money for something I have proof of a scam.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (FL)

The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 XXXX certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX ORIGINAL and/or UNALTERED documentation specifying credits, tax liabilities, discharge of debt, bonds, and/or securities as they are applicable to this account. 
Compliance with 12 CFR 1026.13, which requires correcting the billing error and crediting the consumer 's account with any disputed amount and related finance or other charges, as applicable. 
XXXX has no knowledge of nor has Lender ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question. 

In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 
Lender is intentionally concealing and withholding material facts regarding any trust or the creation of any trust in re alleged Title of Trust connected to alleged account # XXXX This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2023-10-06
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: NAVY FEDERAL CREDIT UNION (GA)

I would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXXDate of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

Back in XXXX of this year, I applied for the new SAVE Plan. Nelnet emailed me XX/XX/XXXX saying they needed 7 years of income statements (? ) to enroll. I didn't think this was right, so I contacted them through email soon after asking why this was since literally no one I knew, and no one on message boards was having to provide this info. On XX/XX/XXXX, they wrote me back and didn't tell me anything ; just copied and pasted the same email they sent me before. 

So I tried looking for tax documents and couldn't find them and called on XXXX, was on hold for XXXX hour XXXX mins and XXXX seconds. I hung up. tried again on XX/XX/XXXX and after XXXX hours I got through. The lady couldn't answer my question, but got someone that could, and gave some weird excuse, but gave me options of what paperwork I could upload. A XXXX hour XXXX min and XXXX second phone call, 89 % of it on hold. 

So I uploaded my documents on XX/XX/XXXX. I emailed them on the XX/XX/XXXX for a status update since there was nothing on the website about where my application was in the process, and I just got an automated, 'sorry, we're too busy to help you, we're overwhelmed, ' email today, lol. They approved my application, BUT FOR THE WRONG PAYMENT PLAN. To be honest, I don't even know what I'm on now, but I know it isn't the SAVE Plan because my payment isn't supposed to be {$150.00} a month. Like, I just can't with these people. I can't be on hold for hours anymore, I can't deal with their incompetence, I don't even know how/why I'm on a plan I didn't even put an application in for.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Incorrect or misleading information on rental history or rental application process. The company is through XXXX rental applications used by XXXX properties in central Virginia and surrounding areas.
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (IL)

There is a company that says i have had an account with them since XX/XX/2023 and owe them {$660.00} and I have no idea what it is. I never do anything with my credit so i know i should not have any debt on my profile.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

I had identified theft problems since last year XX/XX/XXXX US BANK has been working with my accounts for over 6 months I didnt here from us bank unless I called to follow up, then XX/XX/XXXX I found out my accounts were closed except my credit card which they kept my {$2000.00} savings account money?? Now that credit card has {$750.00} in fees & returned items fees?? Unwarranted charges & fees for fraudulent transactions.
Consumer complaint received 2023-06-20
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. (MO)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

Nelnet purchased my student loan during the pause. I am able to make payments now that the pause is over. I have received multiple automated calls from them informing me the pause is over & multiple emails from nelnet urging me to set up an online account. When I try to do this and enter my SSN and DOB, their system tells me that I need to call them because they do not have a valid email or phone number to set up multifactor authentication -- -BUT THEY HAVE EMAILED AND CALLED ME MULTIPLE TIMES!! I did not receive my statement in the US mail with ample time to mail a payment back-the statement was dated XX/XX/XXXX, but it did not arrive in my mailbox until Saturday XX/XX/XXXX, with a due date of XX/XX/XXXX, giving only 5 mailing days for a return payment. So I have been diligently trying to make an online payment and I've tried calling them to set up my account since Monday, XX/XX/XXXX ( their call center is closed weekends ). Expected hold times have been anywhere from 80min to 3 hours when I've called, and I held for 2 hours one day only to be disconnected on the transfer. I'm just trying to make a payment! I should not need to go through multiple levels of security to set up a payment especially when they used the method of contact they say they need multiple times to reach me. It's unreasonable to have over 2 hour hold times to simply set up your account. Security measures are important, but should not be implemented in a way that they hinder a customer 's ability to make payments when they're taking on thousands of new customers. There should be another option than making a phone call if their call center is not staffed for this.
Consumer complaint received 2023-10-06
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: Caliber Home Loans, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The company is reporting a charge off XXXX XXXX XXXX unionbi just relieved from Equifax they saying its accurate when its not the charge off is reporting as income when it is illegal the XXXX  AND CFPB states that charge off are certificate of indebtness and also XXXX is violating my rights as reporting finances when finances are not to be reported and it should be removed immediately also violating my rights as too the inaccurate reporting causing stress and hardship continuously and also violates FCRA 1681 ( a ) and other federal regulated rules and laws CHARGE OFF ARE CONS8DERED CERTIFICATE OF INDEBTNESS AND THEREFORE ITS PUBLICATION 4681 thie erroneous Companies has violated the myself with that inaccurate Credit reporting also violates the FCRA AND PRIVACY ACT 1974 CHARGE OFF SHOULD NOT BE REPORTED ON CONSUMER RE P ORT AS MANDATED BY FEDERAL GOVERNMENT the company is XXXX XXXX XXXX federal and states laws
Consumer complaint received 2023-10-06
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)

They company reported back to my original complaint on XXXX that they verified and checked the accounts they lied I pulled up my credit report as of today and one item they claimed was not there is showing there as of today which further proves they have not done their due diligence to fix the errors on my credit report. Identity theft should be taken more seriously and handled immediately this company has been a hinderance and has prevented me from a fair and completely accurate report they should not be considered a credible source of information as I am providing information they formally lied in a cfpb complaint.