davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (FL)

After being told by Cross Country Mortgage that I had been approved for the mortgage on a property at XXXX XXXX XXXX XXXX. XXXX from XXXX XXXX XXXX  charged me {$420.00} on XX/XX/2020, for an inspection from which I was denied a loan. On XX/XX/2020 my XXXX XXXX XXXX XXXX Account was charged {$450.00} to collateral Management for an appraisal of the property at XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX I paid XXXX XXXX XXXX {$200.00} for a membership fee and a application fee to The HOA at XXXX XXXX XXXX. Due my XXXX  and the XXXX XXXX I feel I was taken advantage of by unfair house marketing strategies by Cross Country Mortagage company and its business partners. Cross Country Mortgage should have told me that I would not be approved for the loan.
Consumer complaint received 2020-03-10
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. (NY)

I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the XXXX XXXX XXXXXXXX Fire Department. 
It is a medical bill for XXXX XXXX and XXXX  to the hospital for a XXXX XXXX   on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the XXXXXXXX XXXX XXXX, so to my knowledge there is no date of initial delinquency. 

Second, assuming that the XXXXXXXX XXXX  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I called for XXXX XXXX and connected to a fraudulent number ( XXXX ). The person impersonating an XXXX XXXX technician gave his name as XXXX XXXX and informed me that my account was flagged by people using my identity to purchase XXXX. He told me that he would work to secure my account and eliminate the " penalties '' I was accruing from these " transactions ''. He gave me another number ( XXXX ) from which he called and texted me to provide me with instructions. While this " repair '' work was happening he had me keep my phone off which unfortunately caused me to listen to him more readily because I, of course, needed my phone. I borrowed a Tracphone that I could use for communicating. 
He told me that a " secure '' XXXX account was set up under the name of XXXX XXXX ( XXXX ) which he would use to track the " hackers '' but any money I sent would be returned to me within XXXX hours of this being completed. I was given very specific amounts to transfer XX/XX/XXXX - {$1400.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$1400.00} and {$2000.00} ; XX/XX/XXXX - {$1300.00}. At this point I told him that this was nonsense and to XXXX my money back. I asked for a supervisor and this person tried to intimidate me into giving them funds from my IRA, which I did not.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (UT)

IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AZ)

I had an account with XXXX  which is owned by XXXX. XXXX  is similar to XXXX, in that you can obtain backgrounds on automobiles by submitting the vehicle VIN. 
My wife sent them a letter on XX/XX/XXXX canceling our account. Which, XXXX  never did. They then told us, that by virtue of our contract, to cancel, we had to pay two months of fees at {$75.00} a month. I told them I did not remember signing any contract and to send me a copy of it. They sent me a copy of a contract that my son had signed in XXXX ( See Attachment ) when we had an XXXX XXXX, named XXXX XXXX That company ( XXXX XXXX ) has not been in business since XX/XX/XXXX. In any event I was paying a, garden variety, consumer rate with the account in question and not a corporate rate, which was much less money. 
Therefore, they are in error. There is NO contract with me personally. They refused to admit they had made a mistake, even after repeated phone calls and emails with a XXXX XXXX, of XXXX, the last of which was XXXX. 
We heard nothing more until a few days ago. We received a letter from Caine & Weiner XXXX XXXX XXXX. XXXX, Texas XXXX demanding {$450.00}. " Which may adversely affect you credit history '' we are told by them, if not paid. Since XXXX is a credit reporting entity we have no doubt that a company that size will not hesitate to ruin our credit, over a bill we do not owe.
Consumer complaint received 2024-03-20
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. (MI)

This is my Follow up complaints in my request dated XXXX XXXX that I have tried to resolve the issue regarding the account in my credit report. However until now I do not received any responses about my complaints. The account is listed below : XXXX XXXX XXXX : {$82000.00}
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX - Capital One closed my account on XX/XX/2022 without a full explanation of closure and ending the relationship. There was only an email sent stating I can not with drawer funds. Capital one didn't seek a statement from me in regard to any transactions in question. They stated they will return my funds by check after investigation within XXXX business days. The mark of the investigation. They email me promotions and statements about the closed account but don't have an explanation on the funds that are owed to me will be returned and have yet to do so after calling monthly and trying to get updates. All representatives including the supervisor are condescending and rude. They are still holding my funds of {$220.00}. On my capital one app, it states your funds are currently not available for withdrawal. Please assist
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have not had or used a PIN number for my EDD card, possibly ever and at least in 5 years. On XX/XX/20 there was a {$1000.00} cash withdrawal from a XXXX in XXXX, CA. On XX/XX/20 cash withdrawal of {$1000.00} in XXXX, CA, XX/XX/20 {$1000.00} withdrawal & balance inquiry in XXXX XXXX, CA and on XX/XX/20 {$1000.00} withdrawal & balance inquiry in XXXX XXXX, CA. I reported it Several times and my claim ( cot wlaim # XXXX ) was denied, I requested appeal after appeal, I have been given the run around by BOA & they denied my claim. I have never been to this locations & my card has been in my possession at all times. I do not use the card to withdraw cash only for bills and groceries/gas. My card has been frozen since early XXXX, that they will not speak to me & to contact EDD. I have heard nothing from EDD. The only paperwork from edd has been a verification of my identity, which I signed & sent back to EDD. EDD has not frozen my account or contacted me about it, but BOA refuses to answer any questions, I rely on this money for food, electrical bill etc for me and met XXXX  small children.
Consumer complaint received 2024-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSH & Associates, LLC (MO)

I received chiropractic care from XXXX XXXX XXXX XXXX XXXX XXXX in 2019 after being XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I chose this healthcare provider because they were IN NETWORK with my medical insurance, XXXX XXXX XXXX XXXX. They are still listed as an IN-NETWORK provider with XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX Then last week, after receiving ZERO invoices or any sort of communications from this healthcare provider, I learned they turn over this alleged debt to a debt collection agency and thus reported me to the credit bureaus causing major damage to my credit profiles. 
This healthcare provider, XXXX XXXX XXXX XXXX XXXX XXXX was provided with my insurance card and billing information at the time of providing me services and they were supposed to bill my medical insurance, XXXX XXXX XXXX XXXX. However, after 5 years since receiving services from XXXX XXXX XXXX XXXX XXXX XXXX, they never billed my insurance as they were supposed to do. 
Per my medical insurance policy, the provider has 180 days to submit claims for payment from the date of service, which they did not do. I contacted my medical insurance company, XXXX XXXX XXXX XXXX where they sent me the entire 2019 claim history to verify that no claims were ever submitted. Further, per my policy, if the provider does not submit claims 180 days from the date of service, the member is not responsible for any charges. A copy of the 2019 claim history is being included as documentation with this dispute, as well as the email from XXXX XXXX ( Parent company of XXXX XXXX XXXX XXXX ) that states that if the provider does not submit claims within 180 days, that I am not responsible for any charges. 
Further, this facility pushed me to sign up with an attorney that they said specializes in auto accidents, stating that this attorney could get me additional compensation. I did sign up with that attorney, however, this attorney was horrible and after trying to work with him for nearly 2 years, I fired him. There was no settlement. I was in regular communication with XXXX XXXX XXXX XXXX XXXX XXXX  the entire time and have the emails that are being submitted with this dispute as further documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX have never sent me any statements or made any efforts to communicate with me about any alleged debt that I may owe them and simply have turned over a debt that is not valid to a credit collection company, which is fraud on their part. 
I am requesting that this negative reporting be removed from my credit file immediately. You can see from the history of my credit file that I have had excellent credit for numerous years. 
Please let me know if any further information is needed. Thank you.
Consumer complaint received 2021-01-13
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. (GA)

As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2015 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2020-03-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MRS BPO, LLC (CA)

MRS collections called me and asked for my father ( he is my co-signer ) and I stayed I am the primary and to deal with me. He asked if my dad received a fedex package from him and I said I dont know. I confirmed my ID and he proceeded to tell me I am in a very dangerous situation and I feel that this is deceptive as I am not being sued and the loan defaulted one month ago. Danger to me infers I am facing harm. I feel this is deceptive language. He calls my dad often and says the same thing. We do not have {$23000.00} to settle this and payments are not an option and at this point I dont think we are in danger and I need them to stop saying we are. They are trying to scare me and my dad. They told both me and him that they are dealing with him only and this is his problem now and they are not going to work with me at all. They refuse to discuss payments at all and use language that implies we are in danger.
Consumer complaint received 2021-01-13
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: Early Warning Services, LLC (TX)

send informatyion to all : XXXX  XXXX  all information on the report, not mine XXXX  XXXX XXXX ( same ) XXXX XXXX XXXX ( same ) XXXX XXXX  ( same )
Consumer complaint received 2021-01-13
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. (WV)

I suspect a close friend or family member has stolen my identity. I've been working on my credit for 4 years faithfully. I've seen many disturbing things that do not belong to me. I've disputed many things with transunion and XXXX  they seem to agree with me and erased allot of the things on my report. I was a victim of identity theft in the worst way. XXXX worked with me professionally. We got my score to XXXX on XXXX XXXX and XXXX XXXX so you see when I logged into experian I was very bothered that they still have lots of information dated back to 1992 many of them which is hurting me and allot of very wrong information never fixed which is also hurting me. Like I said I was a victim of identity theft in the worst of way. If you look at my credit report with credit karma and credit sesame tells another story I've worked with them for 4 years even though XXXX  still has a little work to do. I just want experian to erase what doesn't belong their anymore and also dispute many things that are not mine cause my identity was stolen so I can move on and eventually buy a house and live a credit worthy life .I 've worked to hard for this to hit any road blocks I just joined experian identity theft monitoring XXXX dollars a month that's how serous I am. I just hoping that experian does the right thing and helps me. I reached out so many times to correct this credit report situation and I'm not getting anywhere please I need. I'm also on a fixed income in on social security XXXX for three years now. This is why I've been working so hard on this cause I don't want to live without credit. I suffer from XXXX XXXX XXXX I also suffer from XXXX XXXX XXXX, XXXX XXXX, XXXX. This is very important to me cause of all my illnesses that having a great credit and a clean credit report. Since I live on a fix income it's very important to have a good credit. That's why I've been working so hard these last few years. For my son my wife to have a better life and experian is holding me back. My number is XXXX if you can have them reach out to me that would be great I can't get nothing going thank you XXXX XXXX
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2021-01-13
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. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-03-10
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. (NY)

I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the City of XXXX Fire Department. 
It is a medical bill for ambulance treatment and transport to the hospital for a medical emergency on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the City of  XXXX, so to my knowledge there is no date of initial delinquency. 

Second, assuming that the City of  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the  current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

american express sent me a pre approved offer in the mail only to deny me credit when i applied like really why send me an invite to apply for credit only to deny me credit??? to raid my ss account with an inquiry..