davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (IL)

I was the victim of an accident and had to receive Medical Treatment on XX/XX/20. After I started receiving Medical Bills from XXXX XXXX XXXX  I gave them all the proper Insurance information. I have a great insurance plan and have never had any issues having anything Medical get paid by my insurance provider. My insurance plan is a 2 card system, in that I have a Primary and Secondary Insurance. Anything is not picked up by the Primary Insurance is always picked up by the Secondary. When I gave XXXX XXXX my Insurance information, someone assumed that it is a Limited Benefit Plan, but it is NOT. IF they would have called for verification, the Secondary Insurance Provider would have told them. Since they flagged by Insurance Plan as a Limited Benefit Plan, the medical bills were never submitted to my secondary insurance for this bill. All other bills regarding this accident, including an ambulance ride, were paid without any issues. Because of the length of time that it took to get this figured out, the bill was submitted to a Collection Agency and now sits on my Credit Report. XXXX XXXX XXXX has taken this out of Collections ( and out of Bad Debt ), but Alliance Collection Agency is still reporting this as a collection on my Credit Report. I need this taken off ASAP, as it is negatively affecting me in a very big way.
Consumer complaint received 2020-12-29
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: EQUIFAX, INC. (GA)

I disputed a few accounts with Equifax and after a response from Equifax through CFPB stating an investigation would be completed. Equifax has not responded to my dispute and continues to report the unverified and inaccurate account on my credit report, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. I am now seeking action from Equifax. The inquries submitted on my account XX/XX/2020 must be removed. Equifax was unable to secure verification/proof, a copy of a contract, nor were they able to obtain my signature showing the true ownership of the inquires on my account. Therefore these inaccurate/unverified accounts resulting in incorrect information on my credit report should be removed.
Consumer complaint received 2015-04-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Robinson, Reagan and Young PLLC (TN)

I was involved in an accident in XX/XX/XXXX where I was hit by a car while riding my bicycle. The driver was at fault as they t-boned me while they were turning onto a side road and I was traveling in the bike lane. This debt is regarding a bill from the XXXX Fire Department which provided me with an ambulance ride to the hospital. 

I had attorney representation immediately following the accident which informed me to provide them with any bills I received. I did so, and the bills from XXXX was part of that stack of medical bills I provided. XXXX was paid by my attorney 's office once the lawsuit was settled out of court. While this collection shows that it was paid in full, this should not be on my credit report. None of the other healthcare providers ( which also had to await payment ) placed anything on my credit reports. 

At no time was this an attempt not to pay, nor does it accurately portray my credit worthiness. 

I attempted to contact XXXX XXXX and XXXX in XX/XX/XXXX. The person who answered the phone stated that there was no one available to take my call. I asked that someone call me back and she took my information. She stated she would pass it along, however, they were not obligated to remove this from my credit report as it was a valid debt and it did n't matter that it was paid. All they had to do was mark as paid and they had done so. 

I never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans. 

Please help. 

Thank you for your consideration of this situation.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a collection I do not recognize from XXXX  XXXX XXXX in the amount of {$650.00}. At first the company appeared as XXXX. I filed a dispute over 10 months ago without hearing a resolution.
Consumer complaint received 2020-12-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Key 2 Recovery, Inc. (MO)

The creditor advised that I have a balance. I called over the course of several days and was advised that I would have an automatic withdrawal set up to pay the balance on the account. I authorized this several times on a recorded line. Due to the agents error the payment was not processed and negatively impacted by credit score. When speaking with the supervisor he was very dismissive and intimidating. He would not address my concerns for the inaccuracies of what was reported only the balance remaining. The supervisor completely disregarded my concern and continued to attempt to collect although I advised that my information was not correct. The negligence, intimidation and disregard for the customer is appalling.
Consumer complaint received 2024-02-22
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 have called each fraud inquiry and they have stated that my information is not in the system. They stated that they have no record of my name DOB, SSN or signature of authorization on file so stated by the Fair Credit Act any unauthorized and fraudulent inquiry must be removed immediately. 

Please Remove Hard Inquiries listed Name of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXName of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Velocity Portfolio Group (GA)

The date of the fraud on my Social Security number was XX/XX/2020. The amount of the fraud is {$6100.00}. The company 's name is CKS Prime Investment, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The account number is XXXX XXXX. 

I have tried severally over the years to talk with the company that this was a fraud in my name, but they insisted I have to pay ( what I did not owe ). 

I never had a credit card in that name and the address used on the fraud is totally different from my address I have been living for 16 years! 

The company has consequently refused to remove it from my credit report.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (CA)

Approx. XXXX of XXXX, XXXX apparently changed the payment due date on my credit account with them from the XXXX to the XXXX of each month. If they did indeed actually send me a notice, I wasn't able to pick it out among all the constant legalese that they're sending me. For years, I've always sent my payment to them by the due date on the XXXX, but last month I noticed that I had been getting late charges on the account which prompted me to look into it and discover the date change. I immediately did an online chat with them where I explained the situation and was told that the charges would be removed, Yesterday ( XX/XX/XXXX ), I noticed that XXXX late fee from XX/XX/XXXX for {$29.00} had not been removed, so I did the online chat again and was told that only XXXX removal per year was allowed ( apparently they had missed this one ) and that they had properly informed me of the due date change. I submit that in the original chat session, I had been assured that all late charges that had been caused by this date change would be fully, not partially, removed.
Consumer complaint received 2023-09-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (SC)

I received a debt collection letter on or about XX/XX/23 stating that I owed XXXX XXXX {$300.00}. I immediately called CCS the ssame day to request a debt verification letter. I wsa told it would be sent out and should taake a week to ten days. 

On XX/XX/23 I called again because I did not receive the letter. I was told again that a letter would be sent. 

On XX/XX/23 I mailed a letter requesting the debt verificationn letter since I still had not received the letter. 

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX File Number : XXXX XXXX XXXX I logged into my inactive XXXX XXXX  account and it shows a {$0.00} balance. In addition, XXXX would not have allowed our two phone numbers to be ported out if there was any balance due.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent numerous written request certified to XX/XX/XXXX asking them to correct incorrect information on my file and they have ignored my request saying they can't verify it's me asking. Even when I have provided the necessary information. They select the information they want to update my file but never address or remove the erroneous or incorrect or positive information on my credit file. Recently according to a credit monitoring company XXXX,XX/XX/XXXX dropped my score by nearly 100 points and I can't get a copy of it free or otherwise to see why. I paid off an account with XX/XX/XXXXand opened another account immediately after and suddenly my score dropped. 
I tried to get a copy of the report on line several times including today but their systems keeps saying I already have an account but will not let me update or change the password. Can not open a new account called was on hold for 1 hour 20 minutes spoke to someone from one very far away with a bad connection very strong accent and was disconnect suddenly while trying to get a copy of the report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/20I contacted capital one regarding my credit cards account due to all my personal infobeing stolen. social, and bank card missing and XXXX card including my id At this time I had o balance when I spoke to them regarding this they told me notto worry and they would take care of the issue now its on my credit report where its states that a balance of {$690.00} is owed to them due. Dispute resolved by grantor. My score has very much decreased due to fraudulent activity and remarks on credit report this is the 2nd time they do this s
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

I filed my first dispute XX/XX/2020 against XXXX XXXX My {$32.00} dispute was denied. I can not pay {$32.00} let alone an overdraft charge as money is limited during the pandemic. Also, when asked why it was denied the customer rep, replied, It was and that you people and hung up. 
This treatment is XXXX. I am going to file another suit. 

Then hours later Tuesday, XX/XX/2020 when I told NCSECU rep I was contacting corporate NSECU rep said they sent me something in the mail that I never received. Thats a lie. I want my {$32.00} returned. I deal with discrimination from SECU and now lies and fraudulent behavior. I am XXXX. I have since filed another case for this same disputes today, Tuesday XX/XX/2020. No response given.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-11-30
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. (TX)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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: WELLS FARGO & COMPANY (TX)

Unfortunately I dont have the dates or the amounts all I know it was originally with Wells Fargo I purchased the mortgage back in 1998 however in my divorce my ex-wife asked for the house and the judge gave her six months to get the house out of my name it took her 16 years during the 16 years I dont know how many foreclosures that were listed how many late payments how many payments she missed etc. etc. and there was nothing I could do to get that house out of my name but they keep reporting it under my credit even though they know she was the one that was on the title it was taken out of my name but it still reporting on my credit because when she did get the house out of my name she got all the money for it all the escrow all the equity everything and she still resides at that address. And thats just the mortgage theres some other debts that was in my name that she never took care of that she was supposed to have done under the judges orders.
Consumer complaint received 2020-12-29
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. (IL)

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, and all the other negative items I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has been attempting to collect a debt from me that I DO NOT OWE! I have provided proof from the original creditor, XXXX  XXXX, that this debt is FRAUDULENT, and in fact DOES NOT BELONG TO ME.
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Complaint against mortgage lender Specialized Loan Servicing LLC. 

Payment : In XXXX 2016 my mortgage loan was recently assigned to the new servicer called Specialized Loan Servicing LLC. From the time they took over I was having many difficulties with them. I experienced the worst customer service from them They initially did not have an option to pay online and they did not send me letter timely so that I would not be late in making payment. I have to do my own research and then call them to make the payment. The process was very difficult and I had to be on hold for a very long period of time. 

I made my first payment with the agent and at the same time I requested them representative to setup a recurring payment. They were able to get my payment however when they setup the recurring payment they used an incorrect account number, so they never received the payment. Then I had to take the initiative and call them and be on hold for long time so that I can make my XXXX payment, and I am hoping that they will collect the payment for next month correctly. They are doing these things so that they can collect a late fee from me. 

Escrow account : I did not have any escrow account with them and yet I had a debit balance in the account. I called them several times to either apply that fund toward the principal or send me a check. Instead of doing that they established an escrow account made some payment some to somebody and never contact me to let what they are doing and why they are doing. 

I am responsible for making payment for home insurance and for property taxes and I am up to date for all those payments, so I am not sure why they established the escrow account. I called them and faxed them requesting for a response and they are not giving me a response. They put me on hold for very long time and then they are telling me to wait for a response later.
Consumer complaint received 2022-03-03
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-07
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: Credit Plus Inc (NC)

I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks
Consumer complaint received 2020-12-29
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. (TX)

THE CREDIT BUREUS ARE NOT REPORTING MY MONTHLY PAYMENTS ON MY HOME. I MADE A PMYMENT ON XX/XX/XXXX FOR XXXX, XX/XX/XXXX FOR XXXX AND XX/XX/XXXX XXXX. MY LOAN IS FROM XXXX XXXX XXXX MORTGAGE.