davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

HRRG collection agency calls my phone repeatedly. 8-10 calls a day. They called me at XXXX a few days ago. I already spoke with them and explained my child had insurance and the hospital failed to bill correctly. To stop calling. The calls are all day and evening. They always call from a different number so I can block the calls. Its getting out of control. So far today they have called 10 times. Its XXXX. The calls started and XXXX. They will probably call and 5-6 times. Sometime they call back to back.
Consumer complaint received 2020-02-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under

FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS -- 1. XXXX   CARD wi
th ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2020-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

I do not owe the Minnesota Department Child Support Division of XXXX  County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.
Consumer complaint received 2019-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB (  COMPLAINTS : XXXX, FILED XX/XX/XXXX-THURSDAY, AND XXXX, FILED XX/XX/XXXX-MONDAY ) I AM PROVIDING THE REQUESTED XXXX XXXX  STATEMENT VERIFYING THE XXXX CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XX/XX/XXXX-XX/XX/XXXX confirm the account was not frozen. More importantXXXX XXXX XXXX   does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY XXXX ACCOUNTS (  XXXX XXXX ACCOUNT CLOSED XX/XX/XXXX-thursday, XXXX checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO XXXX XXXX AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. 

IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX AUTO FINANCE ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX  ( XXXX  ) ENHANCEMENT. 

I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES  ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX  XXXX XXXX HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. 
IN ADDITION, XXXX XXXX XXXX, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from Ms. XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting XXXX XXXX  STATEMENTS DOCUMENTING THE XXXX XXXX  CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). 

I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). 

THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ) AND XXXX. TRANSUNION IS REPORTING A CREDIT SCORE OF XXXX. 

This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX   XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

Wakefield & Associates is servicing a medical debt collection claim originating from Medical-XXXX XXXX XXXX XXXX XXXX. The amount in question was {$310.00}, and was originally issued on XX/XX/XXXX. No invoice was received regarding this amount until XX/XX/XXXX, when it went to collections. 

The amount was paid on or about XX/XX/XXXX directly to Medical-XXXX XXXX XXXX XXXX XXXX - NOT the collections agency. 

The most recent date on my credit report is XX/XX/XXXX, with the account noted as " OK ''. As of XX/XX/XXXX, my credit report is still showing the medical debt status as " In Collections '' with Wakefield & Associates. Attempts to resolve and correct this have been unsuccessful. Wakefield & Associates refuses to acknowledge the debt as settled, and it has been this way for 6 years.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retail Merchants Associates (LA)

I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Retail Merchants for {$1000.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Retail Merchants did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX  reported the debt was verified at the previous amount. Of {$1000.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Consumer complaint received 2020-02-24
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: Experian Information Solutions Inc. (CA)

To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2023-03-23
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: TD BANK US HOLDING COMPANY (CA)

My husband is deceased and someone tried to open up a Nordstrom credit card in his name. I received a letter from Nordstrom declining the application but I am now highly concerned about Identity Theft since someone out there has information and is trying to use his name to get credit cards.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IL)

CHASE. CC XXXX 1. Violation- Card Act SEC . 106. RULES REGARDING PERIODIC STATEMENTS. 

ISSUE : Billing Statement with a billing cycle schedule closure date of XXXX XXXX actually closed on XX/XX/XXXX and incorrectly reflects a closure date of XX/XX/XXXX ( DECEPTIVE TRADE PRACTICE ), This specifically resulted in consumer incurring an additional finance charge, increased card balance and negative impact on credit score because scheduled payment on XX/XX/XXXX of {$150.00} was not applied to consumer credit card account. 

2. Violation of CARD Act SEC. 104. 164. Prompt and fair crediting of payments. 

ISSUE : Chase failed to apply payment of {$150.00} on XXXX XXXX and did not provide warning/prevent at time of scheduling payment that payment could/ would not post on XXXX XXXX but until Monday XXXX XXXX XXXX. This resulted in consumer incurring an additional finance charge, increased card balance and negative impact on credit score because scheduled payment on XX/XX/XXXX of {$150.00} was not applied to consumer credit card account. 

First Chase contact date : On XX/XX/XXXX. I contacted Chase and Chase supervisor indicated that my pending payment XX/XX/XXXX for {$150.00} could be applied against my current statement balance. The balance could be reduced by the pending amount. 

Second Chase Contact Date : On or about XX/XX/XXXX, contacted Chase Chase supervisor indicated that my payment XX/XX/XXXX for {$150.00} applied on XXXX XXXX was correctly applied and billing statement that closed on XX/XX/XXXX and reflects closure date XX/XX/XXXX was valid
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation (MO)

I was not aware of this debt until I checked XXXX XXXX to find out it was in collections. Upon sending a debt validation letter, the agency sent back some release forms I do not recall signing and an itemized list of procedures performed on me. I understand this disclosure of private health information to be a violation of HIPAA.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (IL)

In early 2022, I opened a Target XXXX XXXX XXXX I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. 

I made a payment in-store via prepaid debit cards that do not allow credits after activation. 

My last payment was made in XXXX of 2022 totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. 

Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. 

They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. 

Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process 46 individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. 

The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Portfolio Recovery for {$1200.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Portfolio Recovery did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$1.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX  or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Consumer complaint received 2021-04-18
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (FL)

Got a letter in the mail stating that my card was sent out out XX/XX/2021 it is now XX/XX/2021 and i have claimed my weeks and they stated to me that my money will be getting sent to a Way2Go card and i told them i dont have a way to go card i contacted the company the lady did not want to help me she transferred to a line that never existed her name that she gave me was XXXX she did want to give me any more information or let me speak to a supervisor she was trying to hang up on me and she did not help me she was very rude and i called back and got another representative he told me that they didnt have any trace of me in the way 2 go system what so ever but i have a paper with a claim ID on there as well as a CID number and they cant find it with me social or name or address or anything so how is my money being sent to a company that doesnt have anything containing me in their system and is not willing to help me get to the bottom of the situation i have 4 weeks worth of money coming the card was supposed to be here in 7 to 10 business days here it is almost a month later and they have no records of me
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

On XX/XX/XXXX I made a payment of {$2000.00} towards my federal student loans. 

On XX/XX/XXXX I called my loan provider, EdFinancial Services, and requested a refund for the {$2000.00} paid on XX/XX/XXXX. EdFinancial said they put in a request for the refund. I did not receive any confirmation via email or mail. 

On XX/XX/XXXX I called EdFinancial and asked about the request for the refund as it has not showed up in my account yet, and the representative said that it was still processing. I asked how long the processing will take and received no answer. I again received no confirmation that any conversation with EdFinancial even took place.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

-my annual fee came due for statement date XXXX as per usual i call Citi to negotiate a fee reversal as i have for the past several years or a retention offer instead- the customer service agent appeared to be from a overseas call center and could not speak english well.- she did manage to offer me a retention offer that i was not interested in- i told her i already had a non annual fee Citi Mile-up American Airlines card i could get the same benefits from with no fee. i requested that my CitiBusiness/AAvantagePlatinum Select card was no longer use full and clearly stated i want the card 'CLOSED ' and my {$99.00} fee refunded per agreement -the next billing cycle i noticed the {$99.00} fee was still there and the card had not been closed or canceled - im a good customer of Citi and have several cards and have never been late.. - Citi needs to insure that there overseas call center agents can speak english and understand it clearly
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo dispute resolution would not issue a chargeback involving merchant XXXX XXXX ' XXXX  which admitted to fraud. XXXX XXXX XXXX XXXX knowingly over-charged {$29.00} and Wells Fargo 's response is that merchants can run their businesses however they want.
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (NV)

I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.
Consumer complaint received 2020-02-24
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. (NV)

I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.