davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (SC)

I received a phone call from a company called Gulf Coast Collections from XXXX They said they had a collection bill for my daughter on XX/XX/XXXX for a doctor bill when we took her to the emergency room. 

I located the old bill and called the Dr billing company. They told me the bill had been paid in XX/XX/XXXX. 

I called the collection company back and they said it was a different account number. 

I called the Dr. billing number back. They said I only had the 1 account with them and that it was paid in full.
Consumer complaint received 2022-06-15
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. (PA)

In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violated my rights under. 

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s. code 1692b harassment or abuse
Consumer complaint received 2021-10-23
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. (CA)

My right to privacy has been infringed upon severely. My personal information has been shared without my knowledge or consent. I have been a victim of identity they and I have provided supporting documentation, but the fraudulent accounts keep appearing on my credit file and consumer reports. My reputation in with the financial institutions has been jeopardized and I need this fraudulent information deleted immediately.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX - XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2020-12-15
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: PNC Bank N.A. (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, PNC BANK and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

I am filing this complaint regarding a unknown debt that is continued to be reported on my credit report { s } endangering my excellent credit and overall financial status. 
The company is Radius Global Solutions, reporting a creditor XXXX XXXX? as a client. 
alledging a debt of XXXX. I have sent Radius 2 communications via USPS. This debthas caused me 2 denials for 0 % credit cards that otherwise according to the underwriters that denied me state that I would be qualified for. 
I feel based upon that alone would be grounds for legal action as this company has denied my requests for validation and continue to report an alledged debt that does not belong to me.I am a litigious consumer who will take action in this matter ifit is not removed from my credit report immediately. Radius has committed violations thus far that make me privy to at least $ XXXXI have worked at a major company in U.S. ANDWOULD have been notified of this debt and would have been paid but it is not my debtand I WANT IT REMOVED FROM MY CREDIT REPORT ( S ) IMMEDIATELY.
Consumer complaint received 2021-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

I called in to ask to explain my interest charges varies up and down so drastically even when I pay extra. The supervisor explained the daily rate and how it is calculated. I the asked why does there portal state I do not have a payment due for 2 months. I thought that was very odd and very confusing. He stated I can pay but so not have to. I then asked why would that be. It feels they state this so I wouldn't pay for 2 months and would be charged {$280.00} in interest charges in XXXX. This message that is presented to me was made to confuse me and make me feel as if I am ahead of schedule. This feels like a very misleading tactic with no benefits towards the consumer. If they would leave my bill the same I would pay it as required by our agreement. This actually happened back in 2020 where I saw only {$100.00} was due. Now I understand they simply charged me more interest on the {$220.00} I didn't pay that month.
Consumer complaint received 2022-06-15
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. (NY)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX - XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2021-06-10
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I called navy fed on a recorded line XX/XX/21. I submitted an application for a refinance and was provided the rate. I asked specifically would that rate change during the application process and the representative said No. 

No Im being told thats not the case and the rate has increased. No one provided a reason to this and I thankfully caught this prior to proceeding. 

When I contacted the bank, they advised they werent going to change this. I told them to listen to the call and you would hear what was stated. 

I dont know if this a bait and switch or just normal deceptive practice by navy fed. But I know if they did this to me, chances are theyre doing this to others, some without knowing its beiNg done. 

They need to not be deceptive or trying to commit fraud against military/veterans or anyone for that matter.
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

More information just came in today XX/XX/2021 about this matter. See attached. I mentioned in my last report that they are delaying posting my payments and marking them as " Late '' though I make them within the grace period around the time my Social Security payment comes in. Here is proof positive that they are playing games with me. 

XXXX XXXX
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

After reviewing my annual credit report I noticed that LVNV Funding LLC appears on my consumer credit report with inaccurate and Unverifiable information. I've sent the company several validation request but yet the company has refused to completely validate this debt as required by federal law. A violation of FCRA rules section 1681 and Violations of FDCPA section 809b.
Consumer complaint received 2022-06-15
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-11
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: PNC Bank N.A. (IL)

I have contacted the credit bureaus and PNC BANK to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (DE)

I have a payment plan set up with this company XXXX every XXXX weeks since last XX/XX/2021 and they refuse to report the correct balance to the credit bureau therefore it keep reporting negative or late it has not been late I over a year but they refuse to update the credit bureau
Consumer complaint received 2018-10-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Specified Credit Association, Inc. (MO)

Specified credit association called my employer without permission. Stated that now that they have verified employment they can go for wage garnishment. They call my cell everyday multiple times and have mailed out several letters regualr and certified. Now they are calling my employer. This is harrasment and the medical bill from my sons dr isnt even that old.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My XXXX XXXX XXXXXXXX XXXX XXXX was transferred to LoanCare in XXXX XXXX. I have never missed a mortgage payment, or made any late payments. I've been paying my mortgage for 5 years. Since my loan was transferred to LoanCare, I have been receiving letters stating that my {$1600.00} month payment is now {$5.00}, XXXX. XXXX. Most recent letter states that if I don't remit required payment ; my credit rating will be jeopardized, and I may lose my home. The letter also stated that my mortgage is 2 months past due. The letter is originated from XXXX collection agency. I have never had a problem when I was making payments through XXXX XXXXXXXX XXXX. After receiving this recent letter, I can't sleep, and am so stressed-out about someone taking my home, or doing something worse ... XXXX knows what. This feels like harassment ; and very threatening. I see other complaints, and it seems no entity is doing anything to deal with this company. How long does this have to go on before something is done? Have we no protection anymore? I have copies of letters, but I would like a regular, intelligent human being to step-up and help me and other tax paying, mortgage paying, law abiding citizens to resolve this ongoing, and incredibly disturbing situation. Thank you, and look forward to hearing from you.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2022-06-13
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. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-25
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: ERC (MI)

I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


Enhanced Recovery Company - XXXX XXXX XXXX XXXX XXXX, Florida XXXX - XXXX XXXX  XXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have an account that is incorrect on my credit report XXXXXXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX XXXX XXXX XXXX even had the right person or the proper account!
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (NY)

Misrepresentation of debt owed. Account in name of Business NOt individual 's name. Account reference was closed with XXXX balance. Used false, deceptive, or misleading tactics to collect debt NOT owed. Credit collection agency fraudulent induced payment through threat on debt that was NOT owed under false pretenses.
Consumer complaint received 2022-06-15
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account 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 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Countrywide office of the President CEO XXXX XXXX sent correspondence of an internal incident, how it affected me, the FBI arrest of the individual and what should do to protect my vested interest. Ultimately, fifteen years and nine months later we lost our home and countless dollars, defamation of character and destroyed credit worthiness, and unable to recover from this tragedy caused by my home loan trusted servicer. Because this mortgage lender and it gaining parties and past through certificate lenders did not honor my loan agreement in safeguarding our contractural agreement of protecting my rights as the consumer. Consequently I need your assistance.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

I did a consultation via phone with a dental office called XXXX XXXX  located in XXXX Florida. They used my personal information to open the account and charged a total of {$7500.00} XXXX XX/XX/2022 when I have not even visit the office in person or get any services. I have never signed any documents to open this credit card called XXXX.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TN)

opened an account with {$100.00} sign up bonus if you deposited {$100.00} and completed a bill payment of {$25.00} to a cell phone/internet service provider within 60 days. Confirmed details via secure message. I completed activities on XX/XX/18 and its been over 90 days and I have not received my money
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

I had made a recall request to the Kraken in order to recall transfers that I inadvertently made to a fraudulent merchant. 

The details of the transfers are as follows : Digital Exchange Amount Digital Currency Transfer Date Kraken XXXX Lumen XLM XX/XX/2019 at XXXX XXXX Kraken XXXX Bitcoin XBT XX/XX/2019 at XXXX XXXX I was apparently a victim of an Internet-fraud committed by a person hidden behind the web-platform for trading financial regulated tools XXXX or similar. On first place, I was misled by the merchant that 1 ) they are entitled to trade regulated financial tools ; 2 ) they are keeping my money in segregated financial accounts ; 3 ) Im participating in real-time trading ; 4 ) the addresses and contact details on the web-page are really related to an existing broker. Most, if not all, of these facts and circumstances are falling within the scope of the regular XXXX/XXXX-check-ups that diligent banks should do according to the applicable law. I was instructed by the Merchant to wire funds to Kraken and after that to the merchant. In such cases all financial institutions should not have allowed transactions to happen, if they are possibly related to fraud and/or money laundering. On second place, I have tried to resolve the issue by contacting Kraken and demanding reversal of all transactions made to the beneficiary, merchant and any third parties hidden behind XXXX platform. Unfortunately, the Kraken responded they were unable to assist further due to different regulatory obstacles.

I informed the Kraken about the fraud and the money laundering that happened to me. But they didn't help me at all. 
I believe that the Kraken is associated with this fraud and money laundering.Therefore, I kindly ask you after consideration of all facts on the case briefly summarized above to : 1 )  Check the observance of the XXXXand XXXXobligationsof Kraken in the case of the disputed transactions in light of the restriction to process payments possibly related to fraud ; and 2 ) To instruct Kraken to reverse all disputed transactions with regard to the payments specified  in the letter provided to the bank on my behalf.