davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

Previously, I had repeatedly received spam mail from PNC Bank about offers. So, in Complaint # XXXX filed on XX/XX/2018, I had requested them to opt me out of all spam mail. 
Thereafter, I stopped receiving spam until now. Yesterday, I once again started receiving spam mail from them and I have attached scanned copies of the front and back of the mail for reference.
Consumer complaint received 2021-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC (GA)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : MiraMed Revenue Group To Whom It May Concern I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX XXXX XXXX XXXX XXXX for {$200.00}. Both account statuses show past due and they should not say that as these debts are not owed. 

I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX is a VIOLATION of the HIPAA Act of 1996. XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX XXXX XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX XXXX XXXX XXXX should this item not be deleted within 10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. 

I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX XXXX XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and XXXX. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I checked my report for accuracy and saw an account for XXXX XXXX XXXX for Original creditor : XXXX XXXX in the amount of {$310.00} for an account opened in XXXX. This is a very old debt that should not be reporting. The Fair Credit Debt Reporting Act states debt should report for a max of 7 years only. The collection was opened XX/XX/XXXX and it is XX/XX/XXXX. The XXXX date for this account is XX/XX/XXXX.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (MD)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/2021
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019 received a letter, at my residence, from Wells Fargo saying that my Identity cant be verified & to call. I called and was instructed to visit a Wells Fargo branch with identifying information before XX/XX/2019. 
I went to a Wells Fargo branch and presented my drivers license, electric bill, water bill, social security card, and a couple other credit cards. The advisor called corporate to confirm the necessary information. 
On XX/XX/2019, I received another letter, at my residence, stating Identity cant be verified. 
I again went to the same branch and the same advisor made additional copies of my identifying information. She also called Wells Fargo corporate, to verify that all the information was received. 
On XX/XX/2019, I again received a letter, at my residence that my Identity cant be verified. 
For a third time, with the same branch advisor, I went to Well Fargo and asked what was going on? The advisor called again and asked that I provide the verifying information including drivers license again. 
Instead I said that I did not understand how this situation had escalated or could not be cured given all of the documentation and physical visits to the branch. 
I said that I was concerned my identity was being compromised and because the original credit card offer came via an offer to apply via XXXX, a credit bureau, and that Wells Fargo was in possession of my full credit report, in addition to having me physically appear in the same branch office three times, to please withdraw the application and destroy the file. The advisor said she did not think this could be done and instead advised me to be patient. 
All of this activity happened before the Wells Fargo determined cut-off date of XX/XX/2019. 
I then called XXXX  to ask what the issues were and the XXXX account executive suggested filing a complaint because of the unusual nature of the situation and to protect my identity from fraud or other misuse. 
Please advise.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  XX/XX/2021
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (SC)

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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-06
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. (IL)

When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX {$500.00}
Consumer complaint received 2021-12-06
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. (MD)

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. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent letters to all XXXX credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LJ Ross Associates (WI)

XXXX XXXX XXXX billed me for a service that should not have been performed. It was an annual visit. I refused to pay the bill, called and talked to multiple people and departments for the longest time. They didnt care. Wrote it off and send it to collections. 

XXXX  - LJ Ross Associates tried collecting the debt from me for some time. I explained what happened and eventually they stopped contacting me or sending bills. It dropped off my credit report. 

XXXX  - I went in for a visit on XXXX to have X-rays done. They had me prepay {$190.00}. I did, and then I received an explanation of benefits from insurance saying that I owe {$160.00}. I called and said I overpaid, and the lady said she would issue a refund back to the card. Not seeing it a week later - I called and a different person told me it was used to pay a debt to LJ Ross Associates. 

This seems a bit unethical! They wrote the debt off to LJ Ross Associates over 3 years ago, but are collecting FOR them? XXXX doesnt even show this bill in their system for me any longer. How is this ethical? 

I called XXXX billing again to ask about this, and another person told me she couldnt say anything. Couldnt tell me how much, and wont give me a receipt for the funds that they took from me to pay toward whatever LJ has. I know she knew what was going on. This is shady and fraudulent.
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

This account, has been removed from my report! However, there saying that they are keeping it in there reports that I still owe this amount! Like I explain before, I would like to have prove that I told anyone to keep me enrolled in a class at XXXX college! If they were not going to remove it all together then they should have left it on my report, due to me just filing bankruptcy! I am trying to go back to school and this is a mess! I guess I have no choice but to contact an attorney to get this handle! Im not paying anything that I know I dont owe! So with that being said I would appreciate if someone from XXXX college, or m & m credit can send me proof that I requested to stay in a class, when I hadnt be attending the school in semesters! They are trying to rip me off! And I refuse to pay something that I know is not right! Also I will be calling the department of education to also report this!
Consumer complaint received 2021-12-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

We were in forbearance but wanted to get out of it & make the payments which were exuberant, so we tried to remodify the payments which we thought happened as it seemed to be in an affordable amount but REALLY it wasn't as we didn't factor in the XXXX XXXX XXXX so when they submitted the changed amount we saw ONLY THAT & agreed to it, THAT amount was {$300.00} less than what we initially was paying which was great, what we wanted however that amount didn't reflect the XXXX XXXX XXXX which was another {$200.00} which means it was ONLY {$100.00} difference which didn't HELP much! 
Before signing anything I tried to consult with the attorney that we were appointed to help us with sale of the house, XXXX XXXX he blew us off, no help at ALL! When I requested a renegotiation with the mortgage company, THEY said they couldn't revisit the situation for another XXXX yrs. & NOW they've gone up another {$31.00} dollars on the mortgage because the say that the reserve is {$200.00} low & it has to be built back up.. We weren't asked they JUST accessed it to us. I'm very upset about this as we are struggling, income has definitely been impacted since Covid & I don't wan na do forbearance AGAIN, JUST want to pay an amount that's affordable $ 600-700 monthly.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

I refinanced my loan and Loancare received the funds for the refinance on XX/XX/XXXX. Loancare appeared to charge {$920.00} for 16 days of interest in XXXX. This interest per day rate of {$57.00} was higher than the interest per day for the previous months, XXXX 's interest per day rate was {$20.00}, XXXX 's was {$20.00}, and XXXX 's would have been {$19.00}. I asked them to clarify why the interest per day rate was higher for the 16 days XX/XX/XXXX but they told me to call their XXXX number instead of providing an answer. The reason I sent in the complaint was so that they could investigate it and get back to me with the explanation. The telephone representative likely won't know why i was charged more interest in the final period before the refinance of the loan. I tried doing a web search to see if this is typical but didn't find anything.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (ND)

Frost Arnett has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-04-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I was dealing with Quicken Loans/Rocket Mortgage on a refinance. From the beginning I was very specific about my situation and made them aware that I had a second mortgage on the home due to a loan modification a few years back. I was very clear with them about my intent to refinance in order to pay off this second mortgage. From the beginning I was told this was not a problem and that they could make it work. They made me pay {$500.00} for an appraisal of the home which came back with mistakes. One bedroom was missed, the central AC unit was not noted and the report indicated I have a drop stair attic which is not even true. After jumping through many many hoops, 3 weeks after the process start I was contacted by one of their supervisors to let me know they had found something when they pulled the deed of the house. They had found a lien/second mortgage on the home. I was baffled and confused because they were aware of this and this was the whole purpose for the refinance. Not only that, they had already pulled the deed on the home 2 weeks before this and were aware. I was told by this supervisor that in order to make the refinance work I now needed to pay off this second mortgage to the tune of $ XXXX. They essentially wasted my time and led me with deceptive practices to try and make this deal. I would like them to refund me the {$500.00} I spent on the useless appraisal with partial and incorrect information. Its crazy how companies can do things like thi to people and get away with it.
Consumer complaint received 2023-07-03
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2021-12-25
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: Experian Information Solutions Inc. (NC)

i have determined one account reported to my account twice one was original creditor and second report was debt collector.i have requested debt collector verified my account requested XX/XX/XXXX and received answer was XX/XX/XXXX for verification of my account then i discovered i have 2 negative account reported same debt i requested both companies for deletion but it is not happened.i m going to send you attached documents
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

On XX/XX/XXXX I called XXXX XXXX  for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not.