davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (LA)

Company has placed account on my credit report that clearly does not belong to me. The individual who the account belongs to is clearly a minor and had both primary and secondary insurance on the date of service.I contacted the company in XXXX about the account but did not provide them insurance information over the phone. I sent over my insurance information VIA CERTIFIED MAIL in which they had ample enough time to file it to my insurance and get payment before the claim would deny for timely. I have contacted this company several times to get this matter taken care of but they refuses to do their job. I have contacted My insurance company as well. If this company would do their jobs properly I would not be receiving a bill neither would this account be on my credit report. They dont speak a tap of English and I believe that they have no knowledge of how insurance works. They also told me that they received my insurance cards VIA CERTIFIED MAIL but did not file to my insurance company. I had to call them in order for it to get filed and then they tell me that it denied for timely but clearly if they had done their job when first received VIA CERTIFIED MAIL they could have gotten payment from the insurance. Its clearly not my fault that someone at their company dropped the ball on this account. They should be eating this bill!!!
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

I was contacted by XXXX XXXX XXXX in XX/XX/XXXX and was advised I owed a balance of {$940.00} due to a patient first bill when I was sick and ended up going to the hospital back in XX/XX/XXXX. They original bill was only {$720.00}, I agreed to pay this amount only and asked for a settlement. They offered a settlement of {$850.00}, I advised I was unable to pay this much and that I only want to pay they bill I owe. I was told I signed some " contract '' that I do not recall signing as I was INCREDIBLY ILL at the time and they are using this to get extra fee 's and charges out of me. I only owe my doctor bill and that is all I will pay. I recently call back in XX/XX/XXXX as it was hitting my credit showing the balance was increasing. I asked for a settlement for the {$720.00} and was turned down. They advised me I could pay the {$850.00} settlement right then and there or they will not settle. I could not even get a few days to get the money. Currently there is a balance of {$320.00} owed and I refuse to pay anything higher then the bill amount. I never received a letter stating anything I owe, I received a phone call. Nothing in writing ever!! It is against the law to make someone pay a debt larger then the bill amount. I will pay the doctor bill owed and that is it. I should only owe {$120.00} as I paid {$600.00} in XX/XX/XXXX for the bill of {$720.00}.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (TX)

This complaint is followup to the complaint of XX/XX/XXXX # XXXX-XXXX. XXXX XXXX XXXX XXXX removed the disputed information. On further investigation, I discovered Early Warnings continues to report disputed information although it was clear that the banking issues was related to actions of my ex-husband XX/XX/XXXX. I had attached the Enforcement Order in the original complaint but Early Warnings is requesting another dispute! How many years and rounds in the rings I need to endure to obtain my name back? The banking system ultizes Early Warning and this information is used to flag at risk consumers without any facts and, or evidence. I have disputed their detailed report. Their response was to state that I need to dispute every item on the list! These regulatory agents should have oversight and more importantly to protect the best interest of consumers ; treating them with respect and dignity.
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, XXXX. DID NOT PROVIDE DISCLOSURES, AGREEMENTS OR SIGNATURE CARD AT THE TIME I OPENED MY ACCOUNT ONLINE XX/XX/XXXX. AFTER CHASE CLOSED MY FEDERAL BENEFITS EXEMPT ACCOUNT ON XX/XX/XXXX I RECEIVED SEVERAL LETTERS FROM CHASE REFERENCING A DEPOSIT AGREEMENT THAT I NEVER RECEIVED. I DO UNDERSTAND THAT CHASE HAS AN OBLIGATION TO PROVIDE THIS INFORMATION WITHIN 30 DAYS OF OPENING THE ACCOUNT. IN THE FUTURE CHASE BANK MAY WANT TO SEND DEPOSIT AGREEMENTS, SIGNATURE CARDS AND DISCLOSURES IN SUCH A WAY AS TO ENSURE PROOF OF CONSUMER RECEIPT AND ACCEPTANCE. THIS WOULD BE ESPECIALLY RELEVANT TO A CONSUMER WHO HAD OPENED THEIR ACCOUNT ONLINE AS I DID. 

I RECEIVED A SIGNATURE CARD FROM CHASE ACCOMPANIED WITH A LETTER DATED XX/XX/XXXX. THIS SIGNATURE CARD IS MISSING MY SIGNATURE, WHICH WOULD BE REQUIRED ON THE DOCUMENT. THE SIGNATURE CARD IS USED AS A SECURITY MEASURE TO VERIFY SIGNATURE COMPARATIVES. THEREFORE THE SIGNATURE CARD WOULD REQUIRE A LIVE OR WET SIGNATURE. THE SIGNATURE CARD CHASE HAS SENT ME IS NOT RECOGNIZED BY ME AND IS NOT SIGNED BY ME. I MUST CONCLUDE THIS SIGNATURE CARD SENT TO ME WAS CREATED AS A FICTITIOUS DOCUMENT IN AN ATTEMPT TO DECEIVE.
Consumer complaint received 2017-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I have a loan agreement with the loan compan y Navient.  Recently I was contacted by a company, I now know to be fake, to pay a total of {$690.00}, that was to be broken dow n into three payments over three months. These payments were supposed to go toward my debt and ente r me into a program for my debt to be forgiven. I was told they needed my bank account information to begin the application process, and that if I did n't get into this program my wages would be garnished. I called Navient this month to tell them I could not afford the payment and was informed that I do not have any payments scheduled and was advised to call an  XXXX  number. I was given a number to call back if i had any questions. I called that number today and it was the number for  XXXX   XXXX  which is a debt collection agency for  XXXX   XXXX   XXXX , and the extension number I was given does not exist.
Consumer complaint received 2023-03-19
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. (TX)

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 USC 1681. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ). ( XXXX ) : Account # XXXX XXXX {$2200.00} XXXX. XXXX ( XXXX ) : Account # XXXX, XXXX {$1400.00} XXXX. XXXX XXXX XXXX : Account # XXXX, Amount {$120.00} XXXX. XXXX XXXX XXXXXXXX : Account # XXXX Amount {$100.00} 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 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My student loans were forgiven back in XXXX and they still appear on my credit report. 

Credit report showing below : XXXX/DEPT OF ED XXXX % paid off {$13000.00} XXXX/DEPT OF ED XXXX % paid off {$10000.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXXDEPT OF ED XXXX % paid off {$8600.00} XXXX/DEPT OF ED XXXX % paid off {$7800.00} From XXXX : PUBLIC SERVICE LOAN FORGIVENESS UPDATE! 
Congratulations! You have successfully met the requirements of the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and all or a portion of your loans listed below have been forgiven. Thank you for your public service! 
Loans Details XX/XX/XXXX ACCT NUMBER : 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
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Emmett L. Goodman, Jr., LLC (GA)

XXXX XXXX XXXX and Emmett Goodman office have not provided me with the information and documentation I have requested in regards to alleged debt. 
Everything is listed in documents attached as well as in this box. I have placed a freeze on my credit report so that no more unauthorized pulls or fraudulent accounts are added to my file. I am very concerned about the way XXXX XXXX XXXX opened an account and added it to my credit file as if its a new account? Yet only reported it when a summons was delivered on XX/XX/2019. This alleged debt has NOT been validated and still hasn't been. Both XXXX XXXX XXXX and Emmett Goodman 's Office has not furnished me with the documents I need for the hearing. I want this information in writing. Not hearsay or what they say XXXX XXXX XXXX says. Along with the information I am requesting and have a right to see and examine, I also want the entire unredacted file from XXXX XXXX that XXXX XXXX XXXX received electronically and also the physical documents sent to them. I have a right to examine this. XXXX XXXX XXXX and their counsel should be able to produce even basic information to say the least.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (CA)

Consumer portfolio services ; are putting false info on my credit report. Stating I made a payment in XX/XX/XXXX when the last time a payment was made was in XX/XX/XXXX. The amount is incorrect and they are trying to extend the legnth it stays on my report. It is due to come off my report and they have now sold it to another company with false information.
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (GA)

There are two collections against me from a company called First Financial Asset. ( Account numbers XXXX and XXXX ) These are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my credit files. This was the first of XXXX. 

I disputed these with all three bureaus and not only did First Financial Asset respond that they belonged to me, they left them on my file AND they updated them again for an additional month.
Consumer complaint received 2018-10-22
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. (MD)

On XX/XX/18- on my desktop computer, I went to the XXXX website to pull my free credit reports for Equifax , XXXX & XXXX . I keyed in my information, name, SSN, birthdate, address. I was able to get a XXXX & XXXX credit report in my name. 

However my Equifax report was someone else 's report. The last 4 of his SSN did not match mine. I have all his credit information. I have his birthdate, his address and all his credit information. It does not appear to be a mixed file. That is not my information at all. 

I am upset that I have this information because if this has happened to me, who has seen my credit report? I called Equifax on Sunday @ XXXX. They told me to call back on Monday to a different department & gave me the number. The number was the main number and not a specific department ( I didn't realize this until I called it on Monday ). I call back on Monday XX/XX/2018 @ XXXX. I get XXXX in the XXXX. He said the systems are updating and that I have to call back in 30 minutes. I asked if Equifax had been breached and he said no. 

I call back 90 mins later ( @ XXXX ), I get another phone rep who repeats the same thing ( word for word ) that XXXX said earlier- the systems are updating. I ask to speak to the manager. She gets on the phone and states that they are experiencing an emergency system update. I asked again if they were breached and she said no. She said that I had to print this credit report out & snail mail it back to Equifax. Come again? I offered to provide the report confirmation number- but she didn't want that. She wanted my SSN, I did not get this information to her. 

I don't trust Equifax at this point. Is this known occurrence to get someone else 's credit report? The Equifax people I talked to did not seem concerned and that has made all of this worse. I am very upset my these events. I am increasingly worried about fraud.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}.
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NY)

In XXXX of XXXX, Santander Consumer issued me a loan for a XXXX XXXX XXXX. My co signer and I paid triple the amount of what the vehicle was worth. My payments per month was XXXX which was difficult to pay. Since this time, Santander was involved in a lawsuit in which they had to reimburse some consumers for predatory lending and give them the title. However, for some reason I did not qualify for this. In XXXX of XXXX, due to loss of income because of Covid it became impossible to continue to pay this predatory loan. The vehicle was repossessed and now there is a balance because the vehicle was sold.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FirstPoint Collection Resources (PR)

On or around XX/XX/XXXX I was alerted by XXXX XXXX about a debt of mine falling into " Collections '' I rushed to see what that was all about as I am very responsible with my debts and take care of my credit as best as possible. As I investigated I see on my XXXX report this supposed account with XXXX XXXX XXXX as being the culprit. Also at the same time I see a new " address '' of mine show up on the XXXX report as well. I do not recognize this XXXX, PA XXXX address at all. I have never lived anywhere outside of XXXX XXXX and have no business at all linking me to this electric utilities company and much less living in the state of Pennsylvania. I am certain this has to be a huge mistake by XXXX or my identity has been stolen. Oddly enough I have no other negative remarks on record nor anything else has shown up on either of the buraus monitored by XXXX XXXX or XXXX. I strive to keep my credit in top shape. All my accounts are in good standing. And I pride myself for being a responsible adult, specially in these matters. Nonetheless my biggest gripe apart from this huge burden being laid upon me, is that when attempting to file a dispute with XXXX as so graciously XXXX XXXX guides me to do, I am unable to do so as the forced process that requires me to log into XXXX seems to be broken. I've been trying to log in to complete this dispute claim and have this looked into yet every single time I attempt to I am met with a " We are temporarily unable to complete this request. Please try again later. '' message. It has been this way for the past 2 weeks almost and no help over the phone either.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my XXXX Credit Card. 

Experian Credit Website is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX then I suffered from XXXX XXXX and still is suffering from XXXXXXXX XXXX. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad XXXX  all the time coupled with XXXX from taking XXXXXXXX XXXX The reason that I was not checking the charges of my XXXX XXXX. 

I am a XXXX old proud XXXX XXXX XXXX XXXX that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- Experian Credit Report which has affected my Quality of Life. I have a lot of charges in my XXXX Credit Card due to these Illegal Charges. 

I already filed a complaint with XXXX who credit back the monthly charges, but later on, XXXX recharged my account again siding with Experian. 

I called XXXX and filed a Dispute, but they will recharged these Experian Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NV)

I XXXX XXXX XXXX have Tendered payments thereto Chase Bank on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX and XXXXXXXX XXXX and one was made at XXXX XXXX. On XX/XX/2019 I received four calls from the same number, one every hour between XXXXXXXX XXXX. and XXXXXXXX XXXX. and XXXX at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from chase and its card services. When I researched the number online I saw that it was a debt collection number from chase. Why is chase harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX?
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

All three credit bureaus are reporting different date of last activity on three inaccurate accounts reporting on my credit report. The account for XXXX acct # XXXX, XXXX XXXX acct # XXXX, and account XXXX acct # XXXX, are all reporting different DOLA dates. The keep coming back saying it's accurate. How can it be accurate when everyone is showing a different DOLA date for each reporting.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I was contacted about a collection debt on a credit card that went into collections due to covid 19. I had made a payoff arrangement on XX/XX/XXXX to pay the debt off. I paid it off early on XX/XX/XXXX only to have it remain in collections on my credit report. I had contacted Portfolio Recovery to remedy this issue only to be told the mistake had been made on their end and it would be fixed and removed from my report by XX/XX/XXXX. As of XX/XX/XXXX it still remains on and as having an unpaid amount. Once again I contacted Portfolio Recovery only to be promised the same thing again. I paid this off almost 2 months ago and they are not treating it as so and removing it from my credit only telling me the same thing over and over again and admitting responsibility on their end but not fixing the situation.