davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company (AL)

On XX/XX/2022 I had a CT scan done at XXXX XXXX XXXX XXXX in XXXX, Alabama. My insurance is XXXX XXXX XXXX XXXX. That means that I have full Medicare and full Medicaid. When a provider bills United Healthcare they pay what is covered by Medicare. They then instruct the provider to bill Medicaid for any remaining balance. That is not what happened in this case. I have contacted XXXX XXXX 's billing office repeatedly. I have also contacted XXXX XXXX at least 8-10 times. The representatives have contacted XXXX XXXX 's with me on the phone. They have been given the Medicaid number numerous times. A representative and myself have been on a call together and contacted Alabama Medicaid. We were informed that no request for payment has ever been submitted by XXXX XXXX 's for the remaining balance of {$110.00}. Instead they chose to turn it over to a collection agency that continuously call daily, shortly after XXXX XXXX. I have told them to bill Medicaid because I do not owe. XXXX XXXX 's has told XXXX XXXX repeatedly that they will pull the file back from collections and bill Medicaid, yet they tell me that I don't meet their criteria. I have health problems and a husband that is currently hospitalized. I want them to stop harassing me. I can not bill Medicaid for them. They told me to request a XXXX, which I did, yet they still continue to harass me and not do their job which is bill Medicaid. If I did not have the insurance coverage it would be understandable. But I do have the coverage. Frost-Arnett needs to stop their harassment. I have asked them to stop calling me, yet they continue to do so daily.
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I submitted by IDR form for new payment calculation for the upcoming year two weeks ago. I keep getting told by Fedloan Servicing that it will be 30 business days before they even look at it. Pursuant to their agreement with the Department of Education, they have 14 days to make a determination on the form so I can resume payments. 

Six weeks is much longer than two weeks and will interfere with my ability to make payments, especially if the brain trust finds " errors '' in the form and rejects it. Fedloan delays so they can forbear the loan and let interest capitalize. I am trying to prevent that from happening.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Synovus Bank (MI)

First Progress did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (NJ)

I am writing regarding a retail installment contract with XXXX XXXX XXXX ( hereinafter referred to as XXXX ). I purchased a vacation discount club package with XXXX in XX/XX/2018 for the purchase price of {$4800.00}. The contract provided a membership in XXXX for 30 years. XXXX made promises to me for a variety of services which would continue for the 30-year membership. XXXX is now out of business. 
Apparently, XXXX assigned the contract to Monterrey Financial Services. Because of XXXX insolvency, there has been a failure of consideration as I am no longer required to continue this debt obligation. Monterrey recourse is against XXXX. Monterrey has taken any to impugn my credit, and are now in violation of the Fair Debt Collection Practices Act. I have tried numerous times to contact XXXX to get confirmation that my account is closed and have been unable to reach anyone. I have spoken to the fulfillment company Save On resorts who responded to me on behalf of XXXX  which I did not understand, but I have attached a copy of there response to this request as well. In short they where unable to contact anyone at XXXX and informed me that Monterrey would be able to close my account. Unfortunately Monterrey will not close the account and are holding me liable to pay for a service that is not available to me. I reached out to an Attorney who was able to serve Monterrey with a cease and desist but that did not stop them from finding new methods of harassment. This is a crime. I was able to get them removed off my credit report when they first attempted to post something derogatory against me, but they have since come back and changed the name of their company in order to re-post the negative statement on my credit report. They have changed the name of the original creditor and their name to keep the post on each time I dispute it. They did not sell it to another company, because they keep the name Monterrey in the naming convention. They are also damaging my credit because I have refused to pay for a service that I am unable to use nor have any interest in. But because I have been unable to speak to anyone with XXXX, Monterrey will not close out my account.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

My name is XXXX XXXX and I am Ann Taylor costumer for the past 4 years. 
I went to my costumer login to make my monthly payment and I was navigating to the system and found that my account is closed since XX/XX/2019 by the phone. I was surprise because I didn't request to close my account on he phone or so. 

I called Ann Taylor costumer services and them they said that to me, I asked how can I fixe that because is impacting on my credited. so they said that is nothing they can do. 

I would like to know how and what I can do to fixe that and also I want to Ann Taylor prove that I solicit this action on my account. 

Please I need Bureau help Thank you my phone and email. XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (VA)

I received a letter in the mail from a company called direct recovery services and they represent XXXX. They stated that I can pay my loan off in installments. As of XX/XX/XXXX I was under the impression that my loan was paid off. Today XX/XX/XXXX I received another letter this time from XXXX XXXX XXXX stating that they represent XXXX  to collections with the same offer. I'm confused as to what is going on. 

If I owe the loan then I need to find out. If direct recovery service represents your company then the loan should have been paid off.
Consumer complaint received 2023-01-23
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. (MS)

I have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy.

Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Medical Management, Inc. (NJ)

THIS COMPANY IS REPORTING A MEDICAL RELATED DEBT ON MY CREDIT REPORT. ITEMS HAVE BEEN UNLAWFULLY AND INACCURATELY REPORTED EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Wrote check for {$13.00} dated XX/XX/2020. The check was presented to my checking account on XX/XX/2020 for that amount. On XX/XX/2020 an entry for the same check number debited my account for an additional {$1300.00} listed with description " checking debit adj '' resulting in a total of {$1300.00} being taken from my account instead of the correct amount of {$13.00}. 
On XX/XX/2020 I went to my local bank branch to see what happened. They gave me a copy of the check and printout of transactions including the one in question. The bank branch mgr told me to fax the info and copies to the payee to recover what they deemed an obvious overpayment. On or about XX/XX/XXXX I called the payee directly and was told they negotiated the check for {$13.00} and did not receive any additional monies. After receiving no follow up from the bank, I visited the branch again on XX/XX/XXXX after consulting a former banking employee about the legal amount I wrote on the check. The branch mgr insisted the check had not been negotiated twice, but rather " the Feds adjusted it. '' No explanation beyond that was given. Bank mgr ended the conversation by saying she notified their main office and filed paperwork accordingly. One final follow up I was told the payee must have the additional monies and the bank wasn't responsible., despite the payee claiming otherwise. 
The bottom line is it has been over one month since my money has been erroneously removed from my account through NO FAULT of my own. After calling the state of CT banking commission, they advised me to file this complaint.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently looked at my credit report and i noticed that all of the hard inquiries do not have permissable purpose. 
According to 15 USC 1681 b this is a violation and all inquiries need to be deleted.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I created a wire transfer to XXXX using my Bank PENFED Credit Union on XX/XX/2024. The record id provided can not be use to track the wire. The XXXX XXXX did extensive search and could not located. The money has not arrived as of XX/XX/2024. During this time PENFED was contacted to provide updates and a proper reference number and/or receipt of transaction which they denied several time to provide. On the most recent call with XXXX XXXX on XX/XX/2024 I had to explain to him what the requirement of the XXXX wires are especially the fact that they at least have to provide an XXXX XXXX XXXX upon request, to what he was clueless about it, his XXXX XXXX XXXX and even the back officer support of XXXX XXXX wire department did not know what I was talking about. I learned that PENFED subcontracts its wires to XXXX XXXX. People who are not qualify, trained or knowledgable about wires should not be working in that specific department and should be fired immediately. My money is lost and no-one in PENFED is helping. I hope you can request the call from PENFED ob XX/XX/2024 with supervisor XXXX and tell me if he is qualify to be a supervisor at all.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

In regard of XXXX, EQUIFAX, and XXXX, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that XXXX, EQUIFAX, AND XXXX can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.
Consumer complaint received 2023-01-17
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)

I am reporting a violation of my right to privacy and the wrongful use of court records for reporting purposes regarding the following items on my credit files : 1. US Bankruptcy ( Public Record ) 2. XXXX XXXX, XXXX ( account associated with the bankruptcy ) According to the law on reporting consumer information that is housed in City court documents the following data furnishing company XXXX XXXX along with the major credit bureaus - Transunion, XXXX and XXXX have violated my rights to privacy by reporting my Bankruptcy on my credit files without my written consent and have wrongfully used those court records by furnishing that information WITHOUT A VALID REASON LISTED under section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years Subsection ( b ) states the ONLY REASON MY BANKRUPTCY SHOULD BE FURNISHED IS : b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. 

By furnishing my court files for credit reporting purposes other than listed above XXXX XXXX and all the credit bureaus they have furnished that information, are all in violation of the law.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-01-17
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I contacted Equifax on XXXX XXXX to check the status of a dispute. Equifax has an extremely difficult process that makes it very hard for a legitimate customer to verify their identity. The representative asked me a series of questions regarding present and past accounts as well as the monthly payment amount in order to verify identity. I literally pulled my Equifax credit report and provided the answers to the represntatives questions that were contained within the Equifax credit report. The representative informed me that I failed the identity verification and needed to send in proof of identity which could take up to 30 days. I had one simple question which I was able to call the other bureaus and receive the response in a matter of minutes. My complaint is that Equifax makes it nearly impossible for customers to speak with a representative to verify information that is within their credit report especially when the answers to their questions are derived from their online credit report which I pay for monthly. Please provide assistance in this horrible practice.
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

In early XX/XX/XXXX, I spoke with a representative from FedLoan Servicing concerning my Public Loan Forgiveness and was told to recertify my PSLF and apply for XXXX  Loan Forgiveness. They stated I could complete both forms and see an even greater reduction in my student loan debt. I filed the paperwork in XX/XX/XXXX and had made 53 of the 120 qualifying payments. I requested a forbearance for a few months because I relocated and when I called to cancel it and resume payments, Fedloan had placed me in its own forbearance for the XXXX Loan Forgiveness, which removes {$5000.00} off of the overall loan. They would not allow me to remove that forbearance, which remained on my account for several months. 

In XXXX or XXXX, the forbearance was lifted, I received {$5000.00} off my student loans, but the interest that accrued made my student loan increase by around {$3000.00} higher than it was when I applied and received the discount. There was zero benefit to me as a lender and it increased my overall loan amount. When I called FedLoan in XXXX about the issue, I was told by a very disgruntled employee that there was nothing that could be done and that my PSLF qualifying payments would start over because I completed the paperwork for XXXX Loan Forgiveness, which one of their employees told me to complete in order to decrease me loan. At present, my qualifying payments went from 53 to 5, which is completely unacceptable. I would have never applied for the XXXX Loan Forgiveness if the employee hadn't informed me it would help my situation, and if I had known it would restart my qualifying payments. I was nearly 50 % complete with making qualifying payments and now I have to start over from scratch, with a loan amount that is much higher than when I started paying FedLoan Servicing in XX/XX/XXXX and when I submitted the applications in XX/XX/XXXX. This is unfair, unacceptable, and a complete rip off.
Consumer complaint received 2021-01-16
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: Financial Management Solutions, LLC (NJ)

I have submitted several disputes via certified mail and online, asking for documentation of what this ( FMS FINANCIAL SOLUTION ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.