davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (CA)

The only person I have been able to or allowed to speak to is a woman named XXXX, back in XX/XX/XXXX I called to complain stating they are saying I owe them over {$4000.00} for a XXXX XXXX XXXX bill, when in fact the XXXX XXXX XXXX bill was showing only as {$2200.00} per the final bill. She stated on two separate occasions that she needed to get a final bill before speaking to me, both times she raised her voice stating that my " story '' was irrelevant. I said it is relevant when it's TWICE what they were showing I owed ( which really should be {$0.00} but I am working that out with XXXX XXXX XXXX directly as I didn't reside at the XXXX XXXX XXXX - which is a large portion of that bill, I only resided at XXXX XXXX XXXX for a short period of time which was less than {$300.00} in services ). Now this is negatively effecting my credit when Collection Bureau of America stated they WOULD NOT REPORT NEGATIVELY until they found out what the actual amount owing was. They didn't even give me a chance to resolve any discrepancies before reporting me negatively to the credit bureaus.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc. (TX)

ARS NATIONAL SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX To : The XXXX XXXX XXXX XXXX for ARS NATIONAL SERVICES INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX  XXXX XXXX XXXX PA are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX  XXXX and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genpact Limited (CA)

XXXX pharmacy in XXXX store in XXXX XXXX submitted approval for prescriptions to my previous insurance carrier, not current. They XXXX XXXX approved it in error, I paid my co-pay and had no idea until I got a collection letter to reimburse them. Called them and said they need to talk to the pharmacy, they and you made the mistake, I was hung up on. I called the pharmacy and was told they would not fix their mistake, but rather I would need to submit a claim to the correct insurance carrier. They gave me print outs of the labels for the prescriptions and sent a completed claim form to XXXX XXXX. XXXX XXXX has never responded, other than rejecting the claim form saying it didn't have all the information from the pharmacy label. I sent it in to them twice. I also advised XXXX XXXX that a claim for had been submitted. I was told that was all I needed to do. I have not received the reimbursement from XXXX XXXX and now XXXX XXXX has turned this over to XXXX XXXX for collections. The pharmacy won't help and no one at either insurance carrier will work it out between them. This is not my debt!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 XXXX XXXX XXXX XXXX XXXX XXXX DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-06-01
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. (PA)

In accordance with the Fair Credit Reporting Act Convergent Account XXXX CO XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions Date opened : XX/XX/2005
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I have a federal loan and my servicer is MOHELA. My borrower portal states that my payment recertification date is XX/XX/XXXX. My XXXX datasheet states that my payment recertification is on XX/XX/XXXX. Both of these dates are before the XX/XX/XXXX recommendation of the department of education to delay a full year if before XX/XX/XXXX. Additionally, my payment is scheduled to jump to XXXX which I will not be able to afford. I called the servicer and spoke with XXXX employee # XXXX who was able to get me in line for a supervisor as she was unable to resolve the issue at her level. I was put in a call back line and received a call many hours later. At that time I was unable to talk and requested a call back the next morning at XXXX XXXX The supervisor agreed. I never received a call. I then called the service again and spoke with XXXX XXXX # XXXX and explained that I never received a call. I was told that the supervisor had supposedly tried to call me. I have no missed calls and no voicemail. The supervisor left a note in the chart saying that she called me and got my answering machine. Then there was a note that she discussed my case and that MOHELA would not abide by the recommendation of the department of education and would not push my payment recertification date back and I would need to resume my payment in XXXX. I again asked to speak to a supervisor and was placed in line. I again never received a call back. I have been completely mistreated. And MOHELA has blatantly ignored the guidelines published by the department of education. I have attached XXXX documents. XXXX is the main page on my MOHELA user interface which shows the XX/XX/XXXX date. The second is the XXXX data sheet that has my IDR recertification date of XX/XX/XXXX.
Consumer complaint received 2023-02-21
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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. (FL)

I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.
Consumer complaint received 2019-07-06
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: Experian Information Solutions Inc. (CT)

On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX XXXX XXXX, CT after confirmation that they had pulled the score already on XXXX XXXX, 2019 via the online application that I submitted for an auto loan.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681sXXXX ( A ) ( XXXX ) 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2022-06-01
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

The Consumer Financial Protection Act gave the CFPB its mission to regulate consumer financial products and services by prohibiting unfair, deceptive, and abusive practices in the financial industry and making rules to prevent these practices Reference Call with Wells Fargo- Date : XX/XX/2022 Contact : XXXX XXXX for agent : XXXX XXXX. Violation of Pre-authorized payment transfer. 
Explanation : My mortgage payments were made to bring my mortgage account current, and well-Fargo without authority, transferred payments from paying my mortgage, over to my escrow account to satisfy a shortage -- However, my mortgage notes or payments were never adjusted or reduced. 
I was not notified or aware of this action until calling on XX/XX/2022 to go over an itemization of several of my payments. I found my payments had not been applied appropriately. 
This non-transparent action of Wells Fargo is unwarranted, excessive and abusive. 

XXXX. Violation of un-authorize " holding of payments '' allowing interest to accrue- Explanation : On XX/XX/XXXX, XXXX XXXX payments were due. ( Payments for XXXX, XXXX, and XXXX ). On XX/XX/2022 I made a full payment to pay for the month of XXXX. 

Wells Fargo FAILED to Apply my XXXX payment but " HELD '' the payment in an " Unapplied '' status until XXXX, allowing interest to build, offering NO explanation of WHY my XXXX payment was never applied immediately. 
This is abusive, deceptive, and unfair practices that wells Fargo blatantly continues to practice. 

Since XX/XX/XXXX, I have paid all payments infull with an overage, that is being held without permission in the XXXX account. I believe Wells Fargo held my payment, hoping that I would not come up with the rest of my mortgage payments, thereby forging a plan to foreclose on my home. There is no other explanation of WHY my payments are being held without my knowledge .... I was on the phone with them today for XXXX and no one gave an explanation, nor could they understand WHY. 

This is more than violating federal requirements, and this can not be allowed to continue to happen continually violating consumers. I am ready to sue.
Consumer complaint received 2022-06-01
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. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am the confirmed successor in interest for a residential property where wells fargo holds the mortgage. 

I have requested multiple times that Wells fargo follow CFPB interpretative ruling issued XX/XX/2014. Docket Number XXXX which states : " The bureau is issuing this interpretative rule to clarify where a successor in interest ( successor ) who as previously acquired title to the dwelling agrees to be added as obligor or substituted for the existing obligor on a consumer credit transaction secured by that dwelling, the creditor 's written acknowledgment of the successor as obligor is not subject to the Bureau 's Ability to Repay Rule, because such a transaction does not constitute an assumption. '' I am already the confirmed successor in interest. I have requested, repeatedly, for wells fargo to add me as obligor on the loan following the above rule. I filed a previous complaint : CFPB Case Number XXXX Wells Fargo Case number : XXXX I have asked wells fargo to confirm they understand that i am NOT asking for an assumption under regulation Z. 

Please review the previous complaint and the response that literally ignores the ruling. I am not asking for an assumption.
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Nationwide Recovery Systems, Ltd (SC)

The name of the company is the XXXX XXXX clerk of court in South Carolina. Requiring too many purchases in bearer bonds, cause a scheme. A criminal or respondent feels obligated to pay every time due to legal consequences. Please be very careful to stay away from this company. 

Please investigate this behavior immediately.
Consumer complaint received 2022-06-01
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-05-01
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. (GA)

On XX/XX/2018 & XX/XX/2018, I XXXX XXXX sent Equifax, XXXX, & XXXX detailed dispute letter ( s ) referencing the inaccuracies listed on my credit report. 

The report detailed inaccuracies in items reporting negatively that should not be, Collections that are not related to me, Late Payments, and unknown inquires.