davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

This medical bill is not valid as at the time of service I had full insurance that should be covered 100 % of this bill. I am not responsible for this account. The doctor 's office should have billed the insurance in a timely fashion and if they didn't do so then its not the patient responsibility.

1. Please send me proof that the insurance refused to pay this bill 2. I also need proof that this bill was billed within the timeframe stated by the insurance company.

3. I need a copy of all these documentation as I don't agree with this bill as its not my responsibility as I met the deductible at the time of service.

a. Written Authorization to collect this debt b. Evidence and proof of this alleged debt including a contract with customer signature c. Date of actual default and last payment to the original creditor d. Proof of validation letter sent to the client e. Notarized signature for a person authorized to collect and date f. Has any insurance claim been made by any creditor or assignee regarding this amount? 
g. A notarized statement that alleged debt was not utilized as a profit or loss deduction and was not claimed as a loss with any assignee of the creditor during the period it may be payable.

h. If this alleged debt is the results of an assignment please provide the contract and terms for this assignment and attached copies as proof thereof. 

Please send me a list of all the documents that were requested by the consumer advocate group mail directly to me.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CO, XXXX XXXX - XXXX Collections XXXX XXXX XXXX : XXXX XXXX XXXX Collections : XXXX, XXXX Collections : XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-01
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: WELLS FARGO & COMPANY (PA)

Iam not liable for this debt with Wells Fargo Bank and i do not have a contract with any Well Fargo Bank. They did not provide me with any original application stating that i have a contract with this company.
Consumer complaint received 2019-01-29
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. (TX)

On XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX on my credit report. I would like this inquiry to be removed from my credit report I have never applied for credit with this company.
Consumer complaint received 2018-04-16
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: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX  date XX/XX/XXXX that was not autherized by me, and WELLS FARGO CARD SERVICES also pulled my credit report from XXXX  on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.
Consumer complaint received 2019-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

Equifax werent able to verify it and I attached my proof of results marked deleted for this account # XXXX so why is it still reflecting marked as paid and closed on my last update credit report that was sent by the USPS. 

Lastly i never file bankruptcy for account # XXXX that is inaccurate information and must be deleted under the Fair credit reporting act. This account with XXXX XXXX XXXX  should be listed under investigation under bankruptcy fraud Title 18 U.S.C. 157 ( 3 ) because i never filed or included that account on my bankruptcy.
Consumer complaint received 2019-01-29
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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

The Inquiry was made on XX/XX/2018. I am unsure of the amount. I wrote a letter asking for the inquiry to be removed because no loan was secured and no vehicle was purchased.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought a prepaid Vanilla Go Visa loaded with {$500.00} at a local XXXX XXXX, CA, grocery store XXXX or more months back. I've tried to use it online for various purchases and invariably I get a screen telling me some version of 'Card purchase has not been allowed by the company. ' I've called them and been left on ignore XXXX minutes the first time and I hung up after XXXX minutes the 2nd time. Also have tried to find a contact email but no luck so far. There are no phone lines within XXXX miles of my home and cellular signal does not reach into the valley. The balance check done at XXXX XX/XX/2022 shows {$470.00} and the purchase was {$4.00}.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

When my mortgage loan was taken over by the new servicing bank ( Fifth Third Bank ), I immediately signed up for electronic notifications via e-mail for new statements. That was XX/XX/XXXX and since then, I have never received an e-mail, text, or phone app notification when my statements were ready for viewing. I've repeatedly reached out to the company for resolution but have yet to be provided with any. Furthermore, the statements are generated on a random cycle without change to the payment due date. This leads to an unreasonably short window of time to make the payment for the amount listed on the statement. Below is a history of statements.

- Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date ofXX/XX/XXXX - Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXXfor a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX- Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX.

- Statement note yet generated for a payment due date of XX/XX/XXXX.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I'm filing, still yet another complaint with you, in the hopes that Mr. Cooper will finally address/resolve the issue of Compliance on my mortgage. 

I've been trying to resolve this matter with them for over a year now. In XXXX of 2019 I submitted direct questions to Mr. Cooper, regarding the validity of our mortgage - whether or not it was within Federal compliance guideline law - and still have yet to receive answers to any of the concerns, other than them claiming that they have already addressed these issues. Had they done so, I wouldn't still be asking the questions. 



In XXXX, we reached out to the Illinois Department of Financial and Professional Regulations and, on a conference call with Mr. Cooper on XX/XX/XXXX, the Director of the Department of Anti-Predatory Lending stated that it was clear that the loan does NOT appear to be within compliance guidelines. 



On XX/XX/XXXX, I re-submitted the direct questions that were asked during that conference call - which were not answered - by Mr. Cooper and have yet to receive a response. PLEASE SEE ATTACHED DOCUMENT WITH SPECIFIC QUESTIONS. 



At this time, the pay off balance on my mortgage is roughly, 200 % loan-to-value and double the original loan amount. All we're asking for - all I've asked for, for the last year, is for Mr. Cooper to properly recapitalize arrearages from a previous modification and, if warranted, provide a principal reduction so that I can modify my loan one last time and be finished with this entire process. I'm getting zero cooperation from Mr. Cooper and in response to our XX/XX/XXXX request for answers, Mr. Cooper has assigned a new sale date to our file, instead of answering the questions. 



I've attached all supporting documentation, along with a copy of the specific questions that we are asking Mr. Cooper to answer. We are prepared to move to a legal option, if necessary, but would prefer to resolve this amicably. 



Thank you for your assistance.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

I attempted to make a transaction on XX/XX/19 for furmniture, the purchase was declined due to incorrect zip code. I checked my account on XX/XX/19 and saw that they had put a hold on the {$1000.00} that I attempted my purchase on XX/XX/19 for. XXXX XXXX has no record of me and said I would have gotten an email as confirmation my order went through.I explained all of this to AMEX and was told I could not get my money back for 7-8 days which is unfair because an actual purchase WAS NEVER MADE. I have called them 3 times today XX/XX/19 in an attempt to get my money bck since today is the 7th day I have been told I will get it today but do not know when and then by another agent # XXXX   that I would not get it until the time I made the original transaction at XXXX, this is unacceptable and I continue to request to speak with a manager and have been told I would have to wait for one to call me when they are available. I am currently on hold as I am calling them yet again and I have been on hold for XXXX.I would like this resolved as soon as possible and for their policies and practices to change.
Consumer complaint received 2018-04-16
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. (NY)

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've been trying to get Transunion to cancel a membership that was not requested. My last attempt was last month over he pnone, yet they are still mailing me letters mentioning my " Transunion XXXX XXXX '' XXXX XXXX
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

My debit went into collections with Midland credit Management. The agreement was to pay 50 dollars a month on time, if not paid on time as agreed upon it will no long be valid and further legal action will be taken. The settlement of the agreement was 800 dollars as of XX/XX/2022, because of paying on time. Paid the 800 dollars in full in XXXX of 2022. Filed a dispute and contact the creditor and they stated it was paid in full and did not have to deduct 50 from my account anymore which they didn't which would have came out on XX/XX/XXXX but paid in full with a representative on XX/XX/2022. If account was not settled as agreed upon then why 50 dollars was not deducted from my account. Why because I met the agreement. When check my report they added the remaining amount to my report which is also incorrect would like this matter to be resolved. Have dispute this creditor on two occasions with no solution please look into this matter thank you
Consumer complaint received 2019-01-29
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. (MI)

I have disputed an inaccurate account from XXXX XXXX XXXXXXXX XXXX for {$1300.00} ( 3 times ) since XXXX18. This is an inaccurate account. I do not owe this company.
Consumer complaint received 2023-07-06
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please repair and update immediately.
Consumer complaint received 2019-02-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (GA)

I was contacted my National Credit Adjusters who are a third party collection agency regarding a debit from a payday loan lender. I took out this loan several years ago and paid it off but the company XXXX  XXXX   said i owed more than what I paid. The loan was for XXXX but they were still trying to collect an additional XXXX after i paid them on time and all i owed to them. National credit adjusters agreed to settle and close this account for a agreed upon amount of XXXX. i had my attorney send them a check and they received and cashed it. I looked at my credit report today and they did not settle or close this account as agreed instead they adjusted the amount and have in me in collections now for XXXX. i have my letter from them agreeing on the settlement amount and they got the money. They are baiting and switching this amount after we agreed to close this account as settled and paid. They are now harassing me on my cell phone and at work for an additional XXXX
Consumer complaint received 2019-01-29
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments all arent consented
Consumer complaint received 2019-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NY)

I am XXXX years old. Last XXXX, 2018, I purchased a XXXX XXXX and at the suggestion of my XXXX  I financed the purchase through XXXX. I made every payment of {$380.00} on time for 11 months. The last payment of {$380.00}, according to XXXX, was received seven days late. I recall that I received the invoice late that month and therefore my payment was mailed later than usual during that month. In addition, the specified due date was earlier than usual, which seems designed to deceive or fool people who have been paying according to the same schedule for the prior 11 months. Nevertheless, I did pay in full and the payment was not more than a week late. All payments were made to a XXXX XXXX in XXXX XXXX Texas that appears to belong to Comenity Bank. 

I received a subsequent statement indicating a late fee of {$780.00} for the few days delay, a penalty somewhat more than twice the size of the monthly payment and more than 15 % of the overall amount I paid during the 12 months. To the best of my recollection I never received any disclosure that there would be late charges and even if I did, I believe this is egregious and I am being taken advantage of due to my age. 

I attempted to resolve this with XXXX with no success and therefore am filing this complaint and seeking your assistance to resolve directly with the financial institution that is preying on elders. I am attaching a copy of the last statement I received showing the charge. There is fine print on the back regarding late fees, but it is not prominently disclosed, nor is the interest percentage mentioned. 

Thank you.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (MO)

XX/XX/XXXX Received a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Account # : XXXX, Notice # XXXX, IL Plate # XXXX, Violation XXXX, Amount Due {$28.00}. The letter indicated unpaid toll violation on the 495/95 Express Lane on the travel date of XX/XX/XXXX and the letter is from a debt collection agency. 

1. ) This was an old license plate number which was discontinued usage in XX/XX/XXXX due to moving to Missouri yet the letter indicates travel date of XX/XX/XXXX. 
2. ) I have never been on 495/95 and did not know it was out east until looking it up. 
3. ) Although the return address on the top of the letter is XXXX, VA ( as noted above ) the Address Service Requested reads XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
4. ) May pay by sending in the bottom statement, XXXX, or by phone at XXXX.
Consumer complaint received 2019-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Sent payment XX/XX/XXXX. Payment reversed back to bank & account not found. 
XX/XX/XXXX- upon registering online to view my dashboard I noticed my account was put into administrative forbearance without my consent between the end of XX/XX/XXXX & middle of XX/XX/XXXX. 
I have since acquired over {$100.00} in interest. 
XX/XX/XXXX Called shortly after XXXX, first representative I spoke with told me they did not have my address on file and wanted to fix it, I declined wanting answers on the changes to my account. She tells me it was done by the government because of FEMA- I lived in an area of catastrophe. She then corrected herself and placed me on hold. Under 10 minutes she comes back explaining it was done by law do to my lawsuit of bankruptcy in Texas. ( I AM A PA RESIDENT ; NEVER FILED BANKRUPTCY ) I ask to speak to a manager or supervisor. 2nd representative ( XXXX ) comes on the line completely unaware of the previous conversation ; and asks me to clarify my mailing address. ( First representative didnt have it?! ) I explain to her I wish to speak with a supervisor ; someone who knows the ins and outs of the company. She transferred me to XXXX XXXX. He also has my address on file that the first representative said she did not have on file. He explained it very poorly about a bankruptcy lawsuit in Texas, my account would be pushed into claims as a priority to understand how my account was placed in administrative forbearance. I would receive in writing what exactly happened within 7-10 business days. I was extremely confused and asked him to explain the lawsuit information as he had explained In such a way I thought my information was used in Texas of which he said the allegations were not towards me in any means. When I asked if it was the lawsuit against them he said he couldnt speak due to legality terms. They couldnt even advise me on what I needed to do next besides wait for their letter in writing! 
They wont accept payments yet its negatively affecting my credit score.