davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Med-1 Solutions, LLC (KY)

Med-1 Solutions LLC has mailed my personal information to XXXXXXXX XXXX XXXXXXXX. A company I have NEVER had any affiliation with. ( See last page of attachment ) This is the second time they've done this. The first time, I contacted them and told them I've never had any affiliation with XXXXXXXX XXXX XXXXXXXX. I've never worked there, ever. I do live on the same street as their business and believe this to be a violation of the Fair Debt Collection Practices Act. Med-1 Solutions, if working for XXXX would have my address, phone number, etc and not need to use a third party in which to contact me. XXXXXXXX XXXX XXXXXXXX opened this mail and notified me of it.
Consumer complaint received 2022-03-08
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. (MI)

My name is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AZ)

LACING MY REPORT WITH FALS ENTRIES>illegal-FCRAXXXX 1. On XX/XX/XXXX, I received my Lexis Nexis C.L.U.E . Report for my car insurance. I am doing a re-rate next month with XXXXXXXX XXXX  XXXX XXXX. I do not have home insurance. 
On XX/XX/XXXX, I called Lexis Nexis twice-to dispute the items on my Reported Claim History For RISK. Attached, is the item on page 1, in the middle of the page. ( car insurance ) On XX/XX/XXXX, M XXXXXXXX XXXX XXXX XXXX XXXX ( fire and casualty ) for cause of loss XXXXamount paid {$3800.00} at the address of XXXX XXXX XXXX XXXX XXXX XXXX ( wrong address ), XXXX, AZ XXXX. False information-DELETE! -FCRA I disputed this- for my personal address is XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX . It is a mailbox at XXXX. 
There is no space for wind damage in my tiny mailbox for {$3800.00} as I informed Lexis Nexis. 

2. On page one, I disputed- at the top, " RECAP '' Risk 1 Claim Reported. Delete at once! Not mine. FCRA 3. On page 2, Lexis Nexis and XXXX   have NOT updated my payment information on Lexis Nexis report. FCRA XXXX XXXX ( last  activity-9/2018 ) I pay every month on time and its XX/XX/XXXX. That's 7 months of unrecorded monthly payments. FCRA XXXX XXXX ( last activity10/2018 ). I pay every month on time and its XX/XX/XXXX. That's 6 months of unrecorded monthly payments. FCRA 3. On page 3, Lexis Nexis must remove " revolving accounts past due {$2900.00} ''. Remove entire entry for it is not mine and false information. FCRA Remove 18 entries for inquires on the same day- XX/XX/XXXX Remove 2 entries for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. 
LACING MY C.L.U.E . and CREDIT REPORTS WITH FALSE ENTRIES -- VIOLATIONS-FCRA.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

This was from a lease that was forgiving due to XXXX they allowed all students to leave and since I had XXXX they allowed me to leave and advised they would take care of any outstanding balances per the lease agreement this was an act of XXXX
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc. (VA)

My granddaughter received care on XX/XX/XXXX under a XXXX XXXX referral. XXXX XXXX submitted an insurance claim under the wrong last name although the correct last name was given along with name change court order and custody paperwork. I was out of town and they would not resubmit claim under correct last name when my wife called them in XX/XX/XXXX. Instead they turned it over to a collection agency called Receivables Management Systems whom are very rude and threatening in their tone and legal threats. I disputed the debt with them. 

I have provided XXXX the renewed authorization number on XX/XX/XXXX and again on XX/XX/XXXX for payment through XXXX. RMS validated the debt with XXXX XXXX on XX/XX/XXXX which is 11 days after XXXX received the new authorization for the insurance claims payment. Instead of removing the account from RMS after receiving an authorization, they validated it with RMS and it remains on my credit report as a collection when I have fulfilled all my legal obligations to resolve this. 

I asked that XXXX remove the account with RMS as an error of reporting, remove negative credit reporting and file the claim with XXXX. The initial problem was a result of a clerical error with last names not matching the original referral which had the correct last name. 

I am just asking for a common sense approach to this as it was really quite simple that XXXX had a referral for the correct last name but a medical claim from XXXX XXXX for the wrong last name. It was denied and patient first never resubmitted under the correct name even though they were alerted to the possible error in filing. 

Never the less, XXXX has now authorized the claim once again and to date, they continue to validate this as a debt to RMS, their collection agency. Additionally, I only received one notice from Receivables Management Systems in which I disputed. They had already placed this on my credit report before validating the debt.
Consumer complaint received 2018-08-06
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: WAKEFIELD & ASSOCIATES, INC. (PA)

I just opened a XXXX XXXX and noticed Derogatory marks from WAKEFIELD AND ASSOCIATES one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

Please read carefully!!!! 


This is the second time I have contacted the CPFB. Previously I contacted you regarding an inaccurate lien on my credit report from XXXX of the credit bureaus. Your help successfully got XXXX of the bureaus to remove the information. Experian did not comply and I need your help. 


The state of ohio misapplied a tax lien with the XXXX XXXX clerk of courts. 

The lien was applied due to a clerical error by the state. No money was actually owed. This was not a real debt. 

The amount due was zeroed out by the state once I became aware of the item on my credit report and contacted the state. 

No money exchanged hands as no money was actually due. 

Let me repeat. This was not a true debt. No money exchanged hands. 

A lien cancellation letter was sent to my home. I took the letter and filed it with the XXXX XXXX Ohio XXXX XXXX XXXX. 

I have attached a copy of said letter to this complaint. 

I have contacted all XXXX credit bureaus to dispute the item and have it deleted. XXXX and XXXX complied, and Experian did not. 

I have actually filed disputes with experian and they all turn up the same. They claim the report is accurate per their investigation. 

I need your help getting Experian to remove the State Tax Lien that was filed with the XXXX XXXX XXXX XXXX XXXX. 

The state cleared up its clerical error. See attached letter. 

The clerk accepted the state 's paperwork but experian refuses to comply. 

I have no way of getting the lien removed. This was not a debt and should not be on my credit.
Consumer complaint received 2022-03-08
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. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy ) XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XXXX XXXX bankruptcy )
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Called XXXX  and asked for a deferment and job loss assistance promised to work until my settlement came in. Called on XXXX told me they didnt break the laws they have called me 6 times a day since missed payment and being asked to desist. They sent my stuff to collections and told me they werent subjected to the the credit laws or this organization. Never called back and hit my credit with undue interest and late fees against the U.S.C laws for debt collection.
Consumer complaint received 2020-12-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A. (TX)

It all started on XX/XX/XXXX, around XXXX. XXXX from PNC collection agency called my place of employment. My coworker text me and he left a message for me to call him back. I called XXXX around XXXX, asking to state the purpose of the call and why did he call my place of employment. He asked me to prove my identity and I'm told him absolutely not because I did not know what the call was regarding. I told him that I would not identify myself until he told me who he was, company he worked for, and what was the purpose of the call. He become unprofessional and hung up on me. 

Next call was from a lady name XXXX, she was a little more helpful. She did explain that she could not tell me what the call was regarding due to laws, however, I did tell her until I know what the call was regarding I could not say yes or no to identifying myself. We went back and forth for a while until she decided to tell me what company was trying to collect said debt. It was XXXX XXXX loan. We worked out an arrangement and she was going to get back to me .I asked for a settlement of XXXX, XXXX XXXX wanted XXXX plus, and I was going to pay XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX called to follow up XXXX XXXX and I arrangement. We discussed another settlement in the amount {$800.00}, he said he would call client XXXX XXXX to ask for that amount. 

PNC called me back several times after ( I have voicemails ) and today XX/XX/XXXX, I was finally able to call them back and XXXX answered. She told me company will settle for {$1000.00} and to get some type of card on file for the XX/XX/XXXX payment. I told her that I am not putting card on file and that we can take care of everything next month. She said that I would have to speak with her manager. I said ok. 

XXXX get on the phone and proceeded to say that he was unaware that I was going to pay in XXXX. I told him yes, that was the arrangement. He said he would not be able to accept that because it a month out and it needed to get taken care of this month. I told him that was not possible. He asked if I could pay {$72.00}. I said, no. He begin to say that the offer would not exist next month and I told him to give me a call next month and we can work it out then. He then got upset, his tone changed, and his volume raised. So did mine. We went back and forth for a couple minutes. I asked him what is he trying to accomplish by taunting me about not paying anything today. He said that there would be a lawsuit and what not and I said, " if it has to be one then ", ok bye.
Consumer complaint received 2018-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I opened a HELOC with Wells Fargo Bank with the terms being 10 years interest only and after the 10 years would convert to a 30 year fixed mortgage. On XX/XX/XXXX this loan became a 30 year adjustable rate line of credit not a 30 year fixed mortgage. 

On or about the month of XX/XX/XXXX, I contacted Wells Fargo to discuss what I agreed to upon taking this HELOC because I noticed the conversion was not what I agreed to because this is not a fixed mortgage what was presented at the time of conversion was {$120.00} dollars plus some change would go towards principal and the remainder would be interest. 

After speaking with customer service about XX/XX/XXXX payments being received before the XXXX of the month the due date of XXXX of the month was changed to the XXXX of the month which is something I did not request and charged more interest Wells Fargo changed the due date from XXXX of the month to the XXXX of month on this HELOC and charged more interest each month. The interest on this loan is not Fixed It's adjustable, the loan is still a Heloc but no fixed payments. 

I have never received any payments from Wells Fargo settlements monies they where applied to this HELOC without my permission and then reversed my payments.
Consumer complaint received 2015-07-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Lennar Financial Services, LLC (FL)

I sold a property in Florida 3 months ago. Today I received a call from the broker who did the closing asking me to pay a household insurance for $ XXXX.that was part of the selling agreement. My realtor with the broker check all paperwork and they told me that everything was in order and we finalized the transaction. I am a XXXX citizen living in Social security and cant afford to pay that sum with my actual income. Do I need to pay for their mistake?
Consumer complaint received 2018-02-02
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)

I was a victim of ID Theft in last 2017. I contacted all the credit bureau 's and Equifax is the only bureau refusing to comply with Federal laws, after I sent them a copy of ; 1. Fraudulent Student Loans Accounts Reporting on Credit 2. Copy of police report 3. FTC Identity Theft Victim 's Complaint and Affidavit 4. Letter stating the accounts are fraudulent Equifax, did not verified the accounts within the allow time ( 30 days ). They sent me a letter dated 45 days after my request for them to block all fraudulent accounts. Equifax refused to accept my documents and refused to provide me any proof of the accounts. 

I am a victim and they are trying to treat me like the criminal and I am unable to move on with my life because of this.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to ChexSystems  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Wise Visa Platinum Card is taking advantage of double dipping with interest rates on cash advances along with cash advance fees as well as interest on purchases. XX/XX/2018 is when I began noticing all the fees and interest rates adding up and my credit card balance not going down. I have tried understanding what they base their charges on when contacting them, but not being a banker or stockbroker, I have no clue what an Average Daily Balance is or what an Annual Percentage Rate does. If they would just roll one fee or one interest rate into what I owe, I could see the progress with my credit card balance going down instead of not changing after I make a payment which doesn't even seem to touch the principal.
Consumer complaint received 2019-04-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC (MO)

I was contacted by Sterling and Associates first on XX/XX/XXXXposing as CCO and saying that I owed {$900.00} on a payday loan from XXXX. They told me that a warrant was out for my arrest for 2 felony charges and wished me luck in court if I didn't pay within 24 hrs. Reluctantly I paid {$500.00} on the XX/XX/XXXX and {$400.00} on the XX/XX/XXXXto handle the matter. I was contacted by the same company on XX/XX/XXXX stating I owed on another loan from XXXX {$1200.00}. This time they said they had a case # and multiple felony charges have been placed under my name and I again was facing jail time if not paid in 24 hrs. I reluctantly paid on the XX/XX/XXXX and XX/XX/XXXX. They sent me conformation of payment this time stating it was on behalf of XXXX XXXX and XXXX but paid out to XXXX XXXX and XXXX. I have looked up both companies and they do not exist and the phone # attached is from XXXX. I reported Sterling and Associates to BBB and they never received response from them on my case. Sterling is unaccredited with BBB and has an F rating with multiple complaints of Payday Loan Debt Fraud. I have paid this company {$2100.00} this year hoping to not go to jail and I have been told by BB, law enforcement, and lawyers that I've been scammed. I want my money back and these fraudulent companies brought to justice.
Consumer complaint received 2018-02-02
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. (PA)

Transunion File # XXXX Date XX/XX/XXXX Transunion has on my credit report ( XXXX ) unknown XXXX XXXX XXXX Transunion has on my credit ( XXXX ) unknown as Transunion has on my credit some months a ( XXXX ) for months and then Transunion has XXXX. The reporting is not correct as Transunion has XXXX XXXX XXXX. Transunion. On all ( 3 ) XXXX XXXX XXXX loans are not correct it goes as long as a year ( XXXX ) showing and as Transunion effects my credit due to there not reporting right or updating as XXXX XXXX XXXX sent back to me from XXXX as of XX/XX/XXXX that all correct information was sent out to all 3 credit bureaus. Transunion need not report or go months with an ( XXXX  ) as unknown and not update correct on my credit file. It makes no sense or poor reporting practices and information by Transunion not correct.
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (PA)

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX saying i owe to separate collection charges of {$50.00} on XX/XX/2013. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like these 2 derogatory marks off my credit as soon as possible due to the fact they have the wrong person.