davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I received Emergency Care on XX/XX/2019 at XXXX XXXX XXXX XXXX. When the bill arrived, I applied for financial assistance due to poverty level income. I was granted assistance and received a letter dated XX/XX/2019 indicating that all services provided on XX/XX/2019 were paid and the accounts considered closed. On XX/XX/XXXX I received a statement from XXXX XXXX XXXX attempting to collect on services provided at XXXX XXXX XXXX XXXX in the amount of {$240.00}. I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX after receiving the statement from XXXX XXXX XXXX and was told the account was closed and no amount was due. I contacted XXXX XXXX XXXX the same day and disputed the billing and asked for proof of debt. I indicated I had a letter stating the account was paid, and that I had contacted XXXX XXXX XXXX XXXX and was told I had a XXXX balance. I was told that because I was treated in the ER on XX/XX/XXXX, I owed the bill and was provided no further information why or where the bill came from. I again stated there must be an error and I wanted proof of debt owed. 
On XX/XX/XXXX I received a bill from HRRG for the same {$240.00}, after not having been provided any proof of the debt from XXXX XXXX XXXX. Fair Debt Collection Practices Act states that I have the right to obtain validation of debt information in order to ensure the information 's accuracy and I have been denied that right by XXXX XXXX XXXX. I was in turn passed on to a collection company instead of providing me with the information that I am due. I contacted HRRG to explain that I had already spoken with XXXX XXXX XXXX and disputed the debt. Again, I requested proof of debt, this time from HRRG, but was told there is no proof they can provide other than a duplicate of the bill I already have from XXXX XXXX XXXX. I would like proof of debt in the form of an itemized statement from XXXX XXXX XXXX XXXX, showing what items I am still owing for. XXXX XXXX XXXX XXXX is unable to provide me with that information, because they indicate my account is paid in full.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

Hello, I have a loan with Roundpoint Mortgage Services ( www.rpmservicing.com ), Loan # XXXX. On XX/XX/XXXX, they force placed insurance on my mortgage without notification. This amount is ~ $ XXXX/month,  additional. I have made weekly phone calls since XX/XX/XXXX and continue to get the runaround. I have insurance both on my condo interior and the condo building has a master policy. In most recent interactions, I called Roundpoint multiple times in XX/XX/XXXX and spoke with two individuals from the Insurance department : XXXX on XX/XX/29 collected my insurance broker information and contacted the master policy broker for the details requested. XXXX indicated that I would receive a refund for the force placed insurance once the documentation be obtained. I called back on XX/XX/2 and spoke with XXXX. He confirmed that XXXX received the documentation and a refund should process in 7-10 business days. I have since not received a refund. Since XX/XX/26 through XX/XX/1, I called the Insurance Tracking dept everyday and would stay on hold for over 1 hour until I hung up. I called the main Roundpoint line on XX/XX/1 and spoke with a rep named XXXX. XXXX confirmed that no documentation confirming my insurance was captured on file or any record of my phone calls. She admitted that Roundpoint had recently changed their insurance servicer, therefore all prior information communicated went obsolete. She instructed me to resubmit my insurance documentation via email, which I did, and call back in 3 days. I have since called back numerous times and can not reach the insurance dept or a human to confirm receipt. I have also sent two requests to Roundpoint via email requesting resolution and have not received a response. I desperately need help as there was no need to forceplace an insurance policy on my mortgage and a deficit of $ XXXX monthly is much higher than I can afford to sustain! Thank you.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (NY)

This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account # XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states that 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MS)

NCB MANAGMENT SERVICES This company is reporting on my credit report that I owe them a Debt. 
I have no knowledge of ever getting a loan or any products from this company. 
I have written and tried to call this company three times asking them to send me documentations of a contract or anything with my signature on it. My most recent letter was wrote on XXXX XXXX2020 by Certified Mail .They received my verification letter on XXXX XXXX,2020. I haven't heard back from this company. 
On my credit reports it states I owe them {$3300.00} NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-05
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. (AL)

on XX/XX/2020, I filed a dispute with the TransUnion credit bureau about two unverified accounts XXXX  XXXX Account # XXXX and XXXX  XXXX Account XXXX XXXX. on XX/XX/2020, I filed a No Response Regarding Disputed Information After 30 Days notice to XXXX  as well! In those two months, I have asked numerous times for a response and I have not received anything from this credit bureau in over 30 days which is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today and I am asking for the deletions of these two accounts. Thank you for your cooperation!
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2018-03-08
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. (PA)

I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX  cancel the debt and then still say that balance is valid?
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX XXXX & CO XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I have a mortgage with 53 Bank. I made my regular mortgage payment in the amount of {$790.00} for the month of XXXX ( it is due on the 1st, and I am allowed to select the date that I make my payment which is the XXXX ). I made a curtailment payment on XX/XX/XXXX  in the amount of {$2000.00}, where I requested the total be applied to the principal. 53 Bank deducted a mortgage payment from that amount even though I did not request it. My XXXX payment was not due yet, so am not sure why my payment was not applied as I requested. I also have inquired about bi-weekly payments and this is an option they do not allow. They seem to do everything to work against the consumer being able to pay their loan off. These companies realize that its not easy to just go to another lender because the rates would not be in the consumers favor and they try to monopolize off of us in any way that they can. Nonetheless, I made a curtailment payment prior to my due date and it should be applied accordingly.
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (GA)

We have a prominent national vehicle financing co. ( Hyundai Finance ), who calls us repeatedly over and over and over and over again, multiple times per day, and when we answer the phone nobody speaks or talks. They also call from phone numbers which often have no way to call them back on that same number. 

When we answer, and if they do finally speak to us, they just keep asking for our name over and over again without telling us what the reason for the call or identifying themselves. When we finally get someone on the phone, they threaten to repose our vehicle, although we are only 1-2 months behind a payment. 

We find this level of harassment and threats unnecessary, very rude and mean spirited. Do these companies not have any responsibility or consequences for this type of belligerence to their customers? 

Consumers, XXXX and XXXX
Consumer complaint received 2018-03-13
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: JPMORGAN CHASE & CO. (PA)

XXXX show up on my credit history (XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry it should only been one inquiry which it was on theXX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX do not have any knowledge of this inquiry XXXX XXXX  (XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have filed multiple complaints about information on my credit report. As of XX/XX/2019, XXXX XXXX is sending me emails sating that a XXXX XXXX account isn't being paid, but I have checked the status and it is saying that it is current. 
I have said multiple times that the primary on that OLD account negotiated a new deal with a dealership in order to obtain a new vehicle. This was all done WITHOUT my knowledge or consent. 
I was told that it is none of my business as to what was negotiated yet I am still being harassed about this said XXXX account. 
My credit score dropped 61 points and according to the credit bureaus, there were no changes to status, which is why I am curious as to why it dropped 61 points out of nowhere. 
All of my accounts are paid and up to date. 
XXXX XXXX has been harassing me constantly, sending emails about raising my credit scores by opening personal loans through them. 
They have also included my home mortgage into my accrued debt which has nothing to do with my car payment or my credit cards and are constantly telling me that if I refinance it will help my scores. 
This is a scam, dropping my credit scores to scare me into opening new credit cards with their help and to obtain personal loans with their help. 
I have documentation showing that no changes were found but my score has dropped. 
This is now becoming harassment. 
I have done nothing but pay my bills on time. 
The credit bureaus are dropping scores for the XXXX of it to see who is XXXX  enough to open up a loan through them and through XXXX XXXX. 
How is any of this legal!!!!???? 
This is
Consumer complaint received 2018-03-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I have been dealing with the loss draft department at XXXX XXXX XXXX XXXX  and they are practicing unlawful enrichment. harassment, unethical and illegal practices in regards to money that is in a restricted escrow account paid out by my insurance company. They have held on to my money ( over 11,000 ) for over 3 months now even though I have provided all of the necessary paperwork proving I have had the work done. Including inspections etc even the the insurance company and I agreed to a monetary settlement. They give me ridiculous excuses, can't find paperwork, send the inspector with the wrong paperwork etc. I would like an investigation into these illegal practice that that have caused me pain, distress and emotional turmoil
Consumer complaint received 2021-06-25
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. (CT)

I called XXXX XXXX  to pay my bill even though I was expecting a credit from overstock commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX XXXX have violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX & CO XXXX CXXXX XXXXXXXX XXXX XXXX XXXX SERV XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (NE)

From XX/XX/2021 to XX/XX/2021, The company Central Portfolio Control continually contacts me about a debt they say I owe in a phone call. I never received any written notification of the debt or proof of the debt. I disputed the amount and asked for written verification. Every time they call, they tell me they have no record of a dispute and want me to pay the full amount. They call usually 2 sometimes 7 times a day. 
I think it was early XX/XX/2021 Central Portfolio Control ( female ) contacted me via phone about a debt that they say was owed to XXXX XXXX in the amount of {$1400.00} but would not give me details about the bill or dates of service or service provided. I told them that I could not pay something that I did not remember or have knowledge of and that I would require a written copy. I provided my PO Box address and told them that I did not have a mail box at my physical address. I also told them that I disupted the charge unless it proof was received. Another person from that office ( male ) called me that afternoon about the debt and said that he had no record that I disupted the charge and again verified my address. Another person ( female ) from the office called the next morning and said they had no record that I disputed the charge or asked for verification. I also asked for a reduced amount since my XXXX treatment caused memory issues and I can not do the same job as before the XXXX. They would take off about 10 percent but I still said that I disputed the charge until I received proof in the mail. They verified my mailing address again. I have never received any verification in the mail, but that number continues to call 2 to 3 times a day and hangs up after I say hello. Please help me. Aren't they supposed to show proof of the charge if I do not have knowledge of it and also dispute it?
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2018-07-30
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: Professional Debt Mediation, Inc. (SC)

I was unaware that a debt was sent to collections until after the company sent me a letter. They place this on my credit report on XX/XX/2018 after the original creditor sent it to them on XX/XX/2018 which is the same day I moved out. This debt was not even 30 days past due before they place it on my credit report nor was I aware that all of this has token place. I received a letter from the collection agency on XX/XX/2018.