davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (WY)

I have for the last year trying to resolve some high medical bills for XXXX XXXX and Billings Clinic. XXXX XXXX, XXXX. sent me to a collection agency. I do feel that they were paid but they refuse to investigate it. I was never mailed a bill from them letting me know that there was a balance on my account until the collection agency contacted me in XX/XX/XXXX. Now XXXX refuses to speak with me so that we can get this resolved. Initially they billed the incorrect insurer who was not the primary and were denied by XXXX  ( secondary ). I can not see where they billed XXXX at all under the name XXXX XXXX XXXXXXXX. There is a match on my claims for XXXX for the amount that XXXX is saying I owe. I believe they were paid. 

The real problem stems from XXXX XXXX and XXXX XXXX XXXX XXXX of Wyoming updating my Coordination of Benefits. I have a primary and a secondary. They are both refusing to pay medical bills to XXXX XXXX, XXXX and Billings XXXX. At the time XXXX was my primary insurance and XXXX  was secondary. I have tried for the last year to get this straightened out by mail and by phone. Nothing has worked to get this fixed. 

I do have documentation that I will also be sending. It's rather confusing so I will try to shed some light on this. These amounts don't match up exactly I think due to a plan discount. XXXX billed different amounts to XXXX and XXXX.??? 


XXXX XXXX billed XXXX for {$19000.00} on XXXXdenied because XXXX was secondary insurer. I do not see where XXXX re-submitted this for a claim. 

Originally XXXX denied the claim of {$21000.00} - ( {$1900.00} plan discount ) = XXXX on XX/XX/XXXX. The claim shows that the bill was submitted by XXXX XXXX XXXX not XXXX XXXX. It was denied because they did not think they were the primary insurance when in fact they were. I am clueless why the claim was not submitted under their name and under XXXX XXXX XXXX. 

Another claim was submitted to XXXX from XXXX XXXX Montana on XX/XX/XXXX for {$21000.00} - ( {$1900.00} plan discount ) = XXXX. This claim was paid on XX/XX/XXXX. XXXX XXXX was paid. I am clueless why the claim was not submitted under their name and under XXXX XXXX. Personally, I think that they must have done the billing for XXXX. I am not sure exactly the relationship between the 2 companies, but I do know they work together. XXXX is an air/ground ambulance service and XXXX  is a hospital/healthcare system of sorts. I have called both XXXX XXXX and XXXX XXXX to ask what the relationship is between the 2 but I wasnt able to find anything out. 


The other high bill is for XXXX XXXX $ XXXX. XXXX and XXXX has paid them nothing. They each claim that they are not the primary insurer. I think once the coordination of benefits is straightened out XXXX XXXX may need to re-submit the claim and finally get paid. I am afraid that they soon will turn me over to collections as well.
Consumer complaint received 2021-05-14
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. (CT)

I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I was charged a {$74.00} fee by Venmo that I was unaware of. I mistakenly signed up for a business account and it was not clear a fee would be charged to me on transactions. I requested to switch to my consumer account, have the fee waived and close my business account and they would not waive the fee. 
Thank you for your help.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (IL)

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of 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 It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/2021 about my credit report and I have not heard anything back. I don't understand how the bureaus can break law and do anything they want. It has been over 40 days and still have no response from them. They have 30 days to respond. This outrageous. Doesn't make any sense.
Consumer complaint received 2024-03-28
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 am writing to formally dispute and challenge the accuracy of information on my credit report maintained by your agency. Upon reviewing my credit report, I discovered that there is a fraudulent account still being reported, which is inaccurate and damaging to my credit profile. Additionally, I believe there have been violations of the Fair Credit Reporting Act ( FCRA ) in this regard. I did not open this account, nor did I authorize anyone to do so on my behalf. This account is a result of identity theft and constitutes fraudulent activity. It is imperative that it be immediately removed from my credit report to prevent further damage to my creditworthiness.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Also it was a 0 % apr for 12 months yet they closed my account out of nowhere due to no fault of my own ei missed or late payments overuse etc. as soon as they closed it the balance increased by about XXXX dollars for interest even though they closed it before promo ended and still charged me. Not to mention they could not explain what I had spent the card on and when. Also could not give any explanation why all cards from XXXX  were closed just said high risk even though I had about XXXX worth of credit with them and only had a balance of about XXXX
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are not recognized
Consumer complaint received 2017-04-04
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Comerica (MN)

I have been charged {$4.00} two times to have my card replaced when fraudulent transactions were place on it : both were refunded my the merchants stating they were fraud but DirectExpress will not reverse the fees now I have not received the second replacement card and I am being told I need to pay {$4.00} again or {$13.00} to get a new card overnight. They will not transfer my funds to another outside account without the new missing card number nor will they close the account and send a remittance for the balance. I have no way to get my ssdi without paying more money to get my needed benefits they are basically withholding from me at this point.
Consumer complaint received 2021-01-02
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. (OH)

I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (GA)

{$470.00} dollars was sent through ZELLE to my daughters XXXX XXXX account from my institutional bank XXXX. Zelle payment ID # XXXX. Although an email confirmation was sent from XXXX XXXX that money was sent to the account, it wasnt deposited because my daughter closed the account and once, she remembered to tell me on the sane day of transaction, we had no option to cancel transaction. We have jointly been on the phone with Zelle, XXXX XXXX & my institution to get resolution and for money to be returned only to be told by Zelle, we must go back to the bank & for the bank to tell us to go back to Zelle. Disputes was filled only to be told the bank have no number to reach a live person at Zelle
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I live in XXXX, and my father, he had an home in XXXX ... ... we have the same name, the only difference will be XXXX ( him ) and XXXX ( Me ) ... ... .. 
they keep putting this " XXXX " address on my credit report and i call in, and they remove it, and it re-appears again a week later, i did call them again and they keep just deleting it, then it re-appears again, ugh, so frustrating. 
I request that they solve it and possibly block it from re-appearing ever again. 
please have them call me to discuss exact details ( to ensure the correct wrong address is deleted )
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In accordance with the fair credit Reporting Act Bank of America has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reaching out to formally notify you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. Following the steps advised by the companies involved, I have directly contacted each of them and initiated the necessary procedures. Additionally, I have filed an identity theft report with the FTC. I am now formally disputing the information contained within these accounts and kindly request your assistance in resolving this matter. Thank you for your attention to this issue. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Dear Sir or Madam : I am a XXXX and XXXX of my older Parents ( ages XXXX and XXXX ) who reside with me. I am writing this letter because I am a victim of a fraudulent scheme by Midland Funding LLC, concerning my old closed XXXX Bank XXXX credit card account for which the sum of {$330.00} was Charge Off on XXXX XXXX, XXXX, ( see enclosed copy of printout bearing the stamp from XXXX XXXX XXXX, Exhibit XXXX ). 

On XXXX XXXX, XXXX, Midland Funding LLC., filed a complaint against me in XXXX Civil Court claiming it had purchased my Credit Card account from XXXX XXXX XXXX ( Wrong Bank! ), and demanding {$960.00} ( Wrong Amount! ), with identical Affidavits of its employees XXXX XXXX and XXXX XXXX claiming that my account had been Charged Off on XXXX XXXX, XXXX ( Wrong Day, Month, and Year! ). ( See copies of Claimant and Affidavits as Exhibit XXXX ). However, I never received a response to my request for verification of the debt and documentation concerning the amount and ownership of the debt ( See copies of letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, as Exhibit XXXX ). 

Last Year Midland Funding LLC was able to obtain a Default Judgment against me, ( because I did not receive the notice from court on time ) and served an Income Execution dated XXXX/XXXX/XXXX, to XXXX XXXX XXXX, where I work part time ( as Independent Contractor ) demanding the sum of {$1300.00} ( see copy as Exhibit XXXX ) which is {$970.00} more than what I owed XXXX XXXX XXXX, ( Not XXXX XXXX XXXX, as claimed by Midland Funding LLC ). 

Last Year, Midland Funding LLC paid XXXX Dollars to Office of the Attorney General as a settlement for filing false claims against NY Consumers, but it continues its Illegal Behavior, using the Courts as a tool.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like all of my unauthorized inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Consumer complaint received 2024-05-21
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. (NJ)

After reviewing my consumer report I've noticed that there are information and accounts that's unlawfully reporting. I reached out to the creditors to verify this alleged debt in which I asked them to provide me the proper documentation that shows this debt belongs to me. They have yet to respond with any documentation proving that this debt is mine. I receive numerous phone calls throughout the day from the creditors seeking payment in which i'm aware that this violates 15 U.S. Code 1692c - Communication in connection with debt collection. Included in this complaint is a copy of my dispute letter in which I ask Equifax to investigate and remove anything that's reporting inaccurate or unverified. By them reporting this inaccurate information I am being negatively affected and my ability to obtain funding or the proper necessities in life are limited due to bad credit. I am aware that in order for any account to report on my consumer report the creditor must have authorization to share my information in which they never had permission. I have no knowledge of who these creditors are and by them reporting anything to Equifax violates my right to privacy. Equifax has proven to report inaccurate information on many people 's consumer report. They were never given the proper consent to furnish a consumer report on my behalf. 


Violations committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Consumer complaint received 2023-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My attempts to resolve this issue with Bank of America just results in me calling them to fix the problem over and over, this is ongoing. My payment is due on the first and they receive it on the first and in addition to my required payment I send additional money to go to principal. Bank of America advances to the next one or two payments instead of putting it toward principal. The result is I lose by paying them interest in advance and do not get benefit of paying down the principal, therefore I pay more interest. After calling a few weeks ago they said perhaps if you pay before the cutoff date it will all go to principal, so I did and they posted it to XXXX ( because XXXX was paid ) which is not even due. I have an electronic payment scheduled for XXXX with additional funds already scheduled so this will happen again. In addition when I call and after being on hold for twenty minutes I advise them to please back date these payments when corrected and they dont do that either. The representatives that I speak to try to be helpful, patient, polite and professional but as yet havent found a solution. This is waste of everyone 's time and my money. Please help me resolve this so I can pay it off quickly. My entire payment history should be reviewed and recalculated because the history shows this has been occurring for a several years.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

DISCOVER BANK ACCOUNT WAS OPENED AND MAINTAINED BY A THEIF, THIS ACCOUNT WAS NEVER AUTHORIZED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. I HAVE SENT THEM EVERY SINGLE DOCUMENT THEY HAVE REQUESTED BUT YET THEY ALWAYS TELL ME NOT ENOUGH INFORMATION.
Consumer complaint received 2024-03-27
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. (CA)

You are reporting inaccurate and incomplete information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either update it or at least send me the information that you used to add it to my report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.