davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

XX/XX/XXXX I was hospitalized I the XXXX due to XXXX. My insurance as an XXXX XXXX member ( civilian ) of 14 years covers my hospital care minus my copay. Everything else is paid including who sees me in the hospital during my stay. XXXX XXXX XXXX ( XXXX XXXX XXXX ) saw me while in the hospital for a total of 5 min each time. XXXX XXXX  paid my hospital claim months before the very same amounts were fraudulently billed twice ( Dates of service XXXX ) but this time XXXX billed and coded them as office visits as if I went to his office when we know that to be false because I was half dead in my hospital bed. Now his office is committing insurance fraud and billing the insurance with duplicate claims knowing any insurance with a conscious would reject them. Once rejected and reprimanded by XXXX they chose to bill me for services that were already paid for by XXXX. Again, insurance fraud. On XX/XX/XXXX they assigned a collection agency Merchant & Prof for claims that were settled by XXXX in XXXX. I have tried to tell both them and XXXX office that Im stuck in the middle of this and I do not have a patient balance. The collection agency rep  XXXX was condescending and rude. He hung up every time I called them. Even after being sent the Explanation of Benefits from XXXX inXX/XX/XXXX showing a XXXX patient responsibility to their client, the agency is still falsely reporting this debt. They continue to defame my name and financial integrity. The issue isnt payment history as my track record is excellent. The issue is that XXXX XXXX XXXX, XXXX XXXX XXXX, and their collection agency Merchant & Prof are committing the crimes of Insurance Fraud and extorting consumers into paying claims theyve illegally duplicated. Which is why the duplicates were rejected by the insurance. Ive disputed on all 3 credit bureaus but XXXX and XXXX are still under investigation. The fact that this level of fraud is allowed by the credit bureaus is a clear indication that consumer protection and security dont exist. How can they allow fly by night collectors to report false tradelines?
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Called Experian yesterday to ensure that I have both a security freeze and fraud alert on my Experian credit reporting account. 

XX/XX/20 - Called and waited 32 minutes before reaching someone who's phone doesn't work - I could hear him, yet he couldn't hear me. Called again and was on hold for 15 minutes after being transferred - now I've been transferred a third time and expect to be on hold again for a while for who knows what result. I am not able to log into Experian 's website even though I have an account ( apparently from a data migration that wasn't successful, yet those of use affected were not informed ). I did not receive a login email " within 10 minutes '' after my call. 

XX/XX/20 - After not receiving a login email, and now on my third call to Experian, I was transferred to the dispute dept even though I mentioned login issues, and am now at over 3 calls and 2.5 hours ( 32m, 61m, 95m ) on the phone. More concerning, due to a misspell, Experian may have emailed my user information to another email. So much for " security ''. 

It also turns out the fraud alert I asked for was not added yesterday, and I still dont see the security freeze after being able to log back into my account today. In fact, I see my account was unlocked (? ) after checking online. At this point, I have no confidence that my Experian account has a security freeze and fraud alert. 

Experian 's ineptitude affected our mortgage application back in XXXX - fortunately the lender was okay with accepting the other two major agency reports. 

When I called XXXX yesterday, it was a completely different experience. First person that answered right away added a fraud alert, security freeze and even offered a free credit report, all in less than 10 minutes. I have not had any of these Experian issues with XXXX or XXXX. 

How is Experian going to provide seamless customer service instead of bungling everything possible, wasting the public 's time and ironically putting our credit reports at risk by sending login and user information to another email address?
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Carrington Mortgage Service ( CMS ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines CMS is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached
Consumer complaint received 2022-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Multiple fraudulent Bank of America inquiries on my credit report I have never applied for a Bank of America checking account. Ever. XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank of America declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank of America and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. Now it is XX/XX/XXXX and again received notification of a Bank of America hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank of America.
Consumer complaint received 2021-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CT)

On XX/XX/XXXX - A Request for Mortgage assistance ( RMA ) was faxed to Caliber Home Loan. 

On XX/XX/XXXX - Spoke with rep XXXX who stated the RMA was received, but not reviewed yet. 

On XX/XX/XXXX - Spoke with rep XXXX and did financial interview to start a modification review process. 

On XX/XX/XXXX - Called Caliber Home Loans, Rep stated it is under review with loss mitigation as of XX/XX/XXXX, no additional docs needed at this time On XX/XX/XXXX - Called Caliber Home Loans, Rep XXXX stated it is not in review due it being in forbearance status until XX/XX/XXXX. ( This was in complete contradiction to what was said on XX/XX/XXXX ) On XX/XX/XXXX - Spoke with rep XXXX # XXXX a XXXX. She confirmed the RMA was received. She had to escalate to the original rep to push the loan into review with underwriting. 

On XX/XX/XXXX - Spoke with Rep XXXX ID # XXXX- She stated it was never reviewed for modification. She stated that under new guidelines the client is eligible to apply for a modification even if it is current as long as it's a COVID hardship. She requested the following documents : - A new RMA requesting an FHA-HAMP/Partial Claims Combo - Bank statements for last 60 days, Pay stubs for last 30 days, Tax return for XXXX, Profit and Loss statement for self employment of last 3 months. 

On XX/XX/XXXX - The requested documents were sent to Caliber Home Loans On XX/XX/XXXX - Spoke with rep XXXX ID # XXXX - File is with underwriting, no documents needed at this time. 

On XX/XX/XXXX - Spoke with rep XXXX - File with underwriting as of XXXX, no documents needed at this time. 

On XX/XX/XXXX - Spoke with rep. XXXX - File is with underwriting as of XXXX, no documents needed at this time On XX/XX/XXXX - Spoke with rep XXXX - System upgrades are in progress and she could not give the information that was needed. Recommended we call back after XXXX On XX/XX/XXXX - Spoke with Rep Emerald # XXXX or XXXX ( Per new system ) - The review was deemed unnecessary by the underwriting team and was closed out with no decision on the modification. Rep XXXX escalated the the file with the underwriting team to continue the review with the documents that were submitted. ( No letter was sent to notify that Caliber home Loan had decided to stop the review, and no reason was given. )
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my XXXX, Transunion, and XXXX  reports however. In the case of Transunion, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my Transunion account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of Transunion they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by Transunion, XXXX, or XXXX   they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.
Consumer complaint received 2019-12-28
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. (LA)

XXXX and XXXX XXXX should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and XXXX Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and XXXX is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan.

ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; -XXXX XXXX XXXX  XXXX Account # XXXX -XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX have violated my rights as a consumer.

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: National Auto Lenders, Inc. (FL)

I have paid my car loan in full ( $ XXXX+ ) with National Auto Lenders on XX/XX/2019 and it has been 3 months. We have not received our title and the lender has not send request to XXXX request for Lien Holder to be removed. They issued a Lien Satisfaction twice with incorrect information. However, it has been corrected, now XXXX XXXX Agency in XXXX XXXX, FL and XXXX XXXX, FL refused to accept it. They are stating we need the original title, which we never received. It has created a very stressful situation over the past week for my family and I. I would like to request if someone will please contact National Auto Lenders title department at XXXX and ask for the responsible party and ask them to submit the necessary request to remove their name from our title with XXXX so that we can obtain it without the hassle. It has been a bit of discrimination and hassle dealing with the XXXX workers in the local offices. We are not being treated fair compared to their same race of peers. Please investigate this matter as soon as possible. Thank you in advance.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I filed an XXXX dispute for which they responded with a letter dated XX/XX/2019 stating they are unable to locate a credit file for one of the following reasons : 1. You may not have a current file. I agree this could be the case and this is also the basis of my original dispute/complaint. XXXX is negligent in maintaining my file current and updated. For instance they are carrying a balance on a XXXX XXXX which has been long paid. 
2. You have not applied for credit recently. This does not apply as I was relocated by my work and had to obtain credit applications for new banks, apartment, utilities, etc.

3. You have not actively used credit int the past ten years. See # 2.
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I have told JP Morgan Chase Bank, NA to get and stay out of my email. They keep on trying to access my bank account against my denials. Stay the heck out of my email account. please see attached. I never gave my email to them and want them to get and stay the heck out of it. I NEVER GAVE OR WILL EVER GIVE THIS PROFESSIONAL THIEF PERMISSION TO USE MY EMAIL OR ANY OTHER ELECTRONIC COMMUNICATION WITH THEM. I AM DEMANDING CHASE STAY OUT OF MY EMAIL. 
MY NEXT RECOURSE IS TO TAKE THIS ISSUE TO COURT, I HAVE HAD ENOUGH!!
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Close to the XX/XX/XXXX I received a credit card I never applied for in the mail. Therefore I waited a few days and started this process of reporting and getting this fraudulent card deactivated before the creators charged money to it.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GreenSky, LLC (TX)

I received promotional financing through XXXX XXXX for 24 months no interested. My total purchase was in the amount of {$2500.00}. I made a {$250.00} payment on X/XX/2017 and another {$250.00} payment on X/X/2017. Due to the promotional financing I received, my balance should reflect {$2000.00}, however the balance reflects {$2100.00} online. I contacted GreenSky and was advised that the website was newly developed and that when I receive my statement in the mail I will see that everything is reflected correctly. However, I received my statement in the mail and it reflects exactly what is online. The balance reflects a finance charge in the amount of {$51.00} and my next payment amount is showing the be that exact amount. I am not understanding why my payments are being applied to interest if interest will be waived if I pay off the account within the 24 month promotional period. I contacted GreenSky again today and the agent I spoke with was rude and placed me on hold for several minutes with no resolution to my concerns. I think my billing statements are incorrect and my payments are not being applied correctly.
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (MI)

I HAVE BEEN INVOLVED IN A CHAPTER XXXX BANKRUPTCY SINCE XX/XX/XXXX. IT WAS SUPPOSED TO BE A FIVE YEAR PAY OFF. WHICH WOULD HAVE ENDED IN XX/XX/XXXX. XX/XX/XXXX NATIONSTAR MORTGAGE LLC / DBA MR. COOPER SUBMITTED A SUPPLEMENTAL PROOF OF CLAIM TO THE BANKRUPTCY COURT. ( DOCUMENTS INCLUDED. ) MY ATTORNEY FORWARDED THIS TO ME. I IMMEDIATELY RECOGNIZED THAT MOST, IF NOT ALL OF THESE ITEMS HAD BEEN PAID. I HAVE REQUESTED MANY TIMES ( AT LEAST 10 TIMES ) DOCUMENTS FROM XXXX XXXX, NATIONSTAR AND MR. COOPER. THE DOCUMENTS THAT I REQUESTED ARE AS FOLLOWS : 1 ) COMPLETE HISTORY OF THE TAX AND INSURANCE ESCROW ACCOUNT.

2 ) COMPLETE HISTORY OF THE RESTRICTED ESCROW ACCOUNT ( INTEREST BEARING ) THAT HELD THE PROCEEDS FROM MY XXXX XXXX XXXX PAYOUT.

3 ) PAYMENT RECORD FROM THE BANKRUPTCY CT. CREDITED TO MY ACCOUNT.

4 ) YEAR END STATEMENTS AS REQUIRED BY LAW OY MY ACCOUNTS.

AS OF THIS DATE THEY HAVE NOT FURNISHED THESE DOCUMENTS TO ME. AND I NEED THEM TO COMPLETE MY BANKRUPTCY CORRECTLY.

ALSO, I HAVE NEVER MI9SSED A PAYMENT TO THE BANKRUPTCY COURT IN THE 7 ( YES I SAID SEVEN ) YEARS THAT I HAVE BEEN DEALING WITH THIS. THIS CAN BE CONFIRMED WITH THE COURT AND I CAN SEND YOU A PRINT OUT OF THEM.

THE SUPPLEMENTAL CLAIM WAS LATER WITHDRAWN ( SEE DOCUMENTS ) ON XX/XX/XXXX BUT THIS HAS CAUSED MUCH CONFUSION, EXTRA ATTORNEY FEES, AND A LOT OF EXTRA TOME ON MY PART TO STRAIGHTEN THIS MESS OUT.

THE MORTGAGE COMPANIES CAUSED ME MAJOR TIME AND EXPENSE. I COULD NOT DO MY TAX RETURNS, WHICH ARE REQUIRED BY THE COURT, BECAUSE THE DID NOT SEND ANY YEAR END STATEMENTS UNTIL THIS SUMMER. I FINALLY HAD TO GET APPROXIMATE FIGURES FROM OTHER SOURCES TO DO THE RETURNS FOR THE COURT. THIS COULD HAVE CAUSED A " DISMISSAL ''. WHICH WOULD HAVE MADE THE LAST SEVEN YEARS OF MY PAYMENTS AND EXPENSES FOR NOTHING!

THEY HAVE ALSO ILLEGALLY TAKEN THE MONEY FROM MY RESTRICTED ESCROW ACCOUNT APPROXIMATELY {$23000.00}, WITHOUT MY CONSENT.

MORTGAGE COMPANIES ARE REQUIRED BY LAW TO KEEP ACCURATE RECORDS AND FURNISH COPIES OF DOCUMENTS TO THE MORTGAGE HOLDER. ALL THREE OF THEM HAVE TOTALLY DISREGARDED THIS FACT.
Consumer complaint received 2022-05-04
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. (NY)

XXXX and Transunion are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing XXXX and Transunion that I was a victim of identity theft. XXXX and Transunion are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. XXXX and Transunion have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-06-09
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} DEPTEDXXXX XXXX {$280.00} DEPTEDXXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2019-12-28
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: ID Analytics, Inc. (GA)

My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.
Consumer complaint received 2019-12-28
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: Innovis (GA)

My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.