davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (NJ)

My Daughter, XXXX XXXX, visited XXXX XXXX ( Part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for routine vaccinations. She had XXXX XXXX XXXX XXXX XXXX at the time. There was a coding error between the doctor 's office and the insurance company which denied coverage for 2 vaccines ( {$150.00} and {$240.00} ). I started receiving bills from XXXX for {$390.00}. I discovered the coding issue and it was resolved in XX/XX/XXXX. At that time XXXX XXXX paid for the service. But I continued to receive bills for {$390.00} from XXXX. Every month I would receive a bill and every month I would call them and challenge it and tell them that they had been paid. I sent them the XXXX XXXX statement monthly to prove it was paid. But I still receive bills from them monthly. XXXX has now taken the step of referring me to a collection agency for a bill i do NOT OWE! I am at a complete loss as to what to do. I am stuck in a vortex of incompetence with XXXX billing department. 

The attached documents show the bills from XXXX and the Collection agency with the description of charges ( Vaccines for {$150.00} and {$240.00} ) I also attached the XXXX XXXX statement that clearly shows on page 2 that these services have been paid. 

Please make XXXX stop sending me these bills. Please try and reverse the damage a Collection Agency can have on my credit score.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (LA)

Diversified Consultants is trying to go after me for a debt that is not mine. I feel like I have been tricked into paying an account that is fraudulent. Therefore, I finally filed an Identity Theft affadavit to get this cleared up.
Consumer complaint received 2022-08-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (FL)

I have a secured loans with One Main. I have XXXX XXXX XXXX as collateral. The current one I have with them I have had since XX/XX/XXXX. I have always been on time until the last year or so but I may have gone 30 days once. One Main has called me 2 times today within an hour and at least 4 times a day since the first. I would understand if i was late multiple months but not 30 days and call 4 times a day.
Consumer complaint received 2022-08-28
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. (GA)

Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.
Consumer complaint received 2019-07-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (GA)

I contacted the company medicredit back inXX/XX/2018 for reporting medical bill that was paid by well care .the person I spoke with say the account was sent to them and then revoked by doctors hospital but it wasnt told to them to remove off credit file. She stated whether paid or not they will not remove it even though they have no file or contract to say this debt is outstanding or due
Consumer complaint received 2019-09-28
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. (WV)

My I have several address that do not belong to me on my credit report, I do not live at these addresses please delete them from my file they are not accurate : XXXX   XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX This is my 609,623 FCRA dispute Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX county. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
Please delete the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

Attached is a letter dated XX/XX/2022 from XXXX XXXX  showing that they sent Apple Card-Goldman Sachs payment of {$320.00} for account number ending in XXXX. As of this writing, payment still has not been posted. It seems rather obviuos and intentional that this banking institution purposely processes incoming payments slowly in order to gain additional interest. Also, for the record, the other two creditors listed on the attached letter, have received and processed the payment that was sent at the SAME time. I suggest that the CFPB investigates the payment processing practices of this shoddy bank.
Consumer complaint received 2019-09-28
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: U.S. BANCORP (LA)

I am a victim of identity theft since 2017. I still have Louisiana XXXX XXXX XXXX, us bank, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  and a few other still reporting that these accounts are owned or are charge-off I filed a report with the FTC and they are still sending me to collections or suing me for the monies owned on these fraud accounts. I had paid all the accounts off in 2017. Then I got rob at XXXX time in 2017 all my cards were stolen and my social security card they even filed false income taxes with my social security number. Recently in XXXX all these creditors reported again to all credit bureaus and it s all on my reports like new information! everything PLEASE HELP! I  will be going to court again in XXXX for one of them suing me.
Consumer complaint received 2019-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX And XXXX XXXX are both reporting on my Equifax report when the insurance company notified both companies to re submit claims that do not belong to me. The were removed from XXXX   report but XXXX XXXX is also on my XXXX   Report. They cant accept money from Medicaid and balance bill and re direct the bill to the parent. But its not o. My husbands report? I am only assuming the bill may be my dependent but I never received anything and Medicaid has resolved these.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-08-17
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. (MD)

Transunion continues to report information that can not be validated by collection agency. I've provided proof from the court for case vacated judgment/dismissal and this does not serve as enough proof that debt is not validated. 

TransUnion, after speaking with 6 agents in one day says that the verification process includes name, address, social security only. There is no information to support the debt, amount, or any supporting information to claim that collector has right to perform debt collection services for debt. 

This process has taken more than 30 days and the credit reporting agency is requiring to file yet another dispute for information that I've provided proof that the debt is not valid.
Consumer complaint received 2019-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (OH)

I received a letter from Apelles that says I owe XXXX XXXX  {$9900.00}. I dont owe them anything as Ive already explained to XXXX. This debt is erroneous and I will not pay one penny of this!!!
Consumer complaint received 2020-09-14
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. (PA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all  information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

I tried to request a PayPal Cash Card but was told that my account was not eligible. I contacted PayPal customer service. They claimed that I completed business transactions, even though I have only used my account for personal purposes. The representatives advised me that I would not be able to receive the PayPal Cash Card but instead only the PayPal Business Debit Card. Without my authorization or permission, PayPal enrolled me in the PayPal Business Debit Card and mailed the card to my address.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

It is imperative that my complaint be understood and correct action taken. On XX/XX/19 I made a check deposit of {$950.00} from a tenant from his XXXX account into my account. Per tenant the funds were taken on XX/XX/19 by Citibank however my account was not credited by Citibank claiming there was a " Hold '' on that check til XX/XX/19. There fore on XX/XX/19 when my check # XXXX for {$450.00} came in my balance was more than enough to cover it- {$480.00} ( I've enclosed the transaction activity for those transactions. 

On XX/XX/19 Citibank ret 'd the check # XXXX for {$450.00} and charged me {$34.00} which they have reimbursed me now after I complained. Further there was also a {$500.00} deposit on the same day Citibank re'td my check. This caused a problem with the company I sent check # XXXX to pay a bill. 

My question is if there is a check deposited & placed on Hold waiting it to clear & checks come in while it is on hold should the incoming check be re'td? But especially since the check that was placed on hold cleared & funds were provided to Citibank the very next day it was deposited. In my opinion & based on the past the funds were immediately credited to my account regardless of the length of the hold period. This issue has occurred in the past & I thought it was my fault since then I'm looking into my balance more closely & want Citibank to credit incoming checks as soon as they clear & get the funds available, none of this because they put a hold & wait til that hold period expires.
Consumer complaint received 2017-11-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

They ignore all request ,They ignore Federal Judge XXXX XXXX ,They ignore their attorney  XXXX XXXX  XXXX XXXX XXXX XXXX They ignore my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested an Amortization schedule  or a payment schedule so that I might know how much has gone to interest and how much has gone to the principle And what is my remaining balance  Planet home lending has never in 8 years even given any form of payment  Making it totally impossible to refinance  Their attorney XXXX XXXX  has approached Planet home lending LLC  requesting the amortization schedule  ,And has further noted they do not know how to make up that statement
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (CO)

To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.
Consumer complaint received 2023-06-26
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. (VA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (UT)

In XX/XX/2019, I received A line of credit for PayPal. Over the past several weeks, I have decided that I would like to close the account, however, when I called the number, it does not work. The number specified on the PayPal website is : XXXX XXXX XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IN)

Applied Chase British Airways Visa Card on XX/XX/2020, got a letter in the account the next morning saying credit card request was denied stating had too many non mortgage or auto loans. I have only one personal loan other than mortgage account which is paid off in another 20 months with on time. Do not have any other payments and everything is paid off. My credit score is in excellent category with  score over 790 for all the bureau 's. 
I called chase and spoke with a credit analyst and stated all these points and explained, credit analyst reconsidered and approved credit cards. However, the interest listed on the application was 15.99 - 22.99 and credit analyst approved me with 22.99 INTEREST RATE which essentially says that I have the worst credit rating possible, which is definitely not the case based on my credit history or score. My income is also rather high. 
when called, lending department from chase said that they do not have to explain why the interest is so high. 

I do have another credit card with the same company which has XXXX credit limit with 15.99 interest and when it was approved, I had the way less score than I have now and definite lesser income and less than perfect credit history. 

Tried to call them multiple times and even asked to speak with Fair Credit lending department with in chase to complain to which I was hung up upon and rude customer service.
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NJ)

I learned of a debt collection on my financial credit report, which is adversely effecting my credit rating. 

I contacted Diversified Consultants, to learn this was for an outstanding balance from XXXX for services I cancelled. I never received a bill from XXXX! I was informed by XXXX XXXX at Diversified, that it was for services prior to my canceling the service. ( Billing in the rears ) I advised I would pay the bill immediately and did so during the telephone conversation. 

I requested that the debt collection be deleted from my credit report and was refused!! Mr. XXXX, not only was rude, arrogant, he provoked me into loosing my temper. 

When I requested to speak with a supervisor I was advised that Mr. XXXX XXXX was unavailable to take my call. I was then transferred to a XXXX XXXX, who also refused to remove the debt collection notice off of my record. Stating it they aren't paid to remove the records. I again, requested to speak to her superiors and was refused stating the the executives do not take consumer calls. 

I feel this is a perfect case of consumer fraud, and this inappropriate business model is adversly affecting my credit rating.
Consumer complaint received 2019-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lending Club Corp (AZ)

i received 2 letters of denials for a loan that i never applied for. i called their customer service line twice onXXXX and was hung up on both times before i could get any information about this loan. i then contacted them via XXXX on XX/XX/19 which continued into XX/XX/19 where i requested copies of the loan application and any recordings of phones calls pertaining to this loan application and the contact information for their corporate office to which they refused and insisted on me calling their customer service line which was of no help when i tried before reaching out via social media. i did advise of my situation in the conversation and they told me that someone may have used my personal information to try and obtain a loan however i received these letter at my home address instead of the person attempting to steal my identity address. i have continually monitored my credit since receiving these letters and have noticed no hard or soft inquiries from this company. in the letters they have indicated my credit score and information about accounts in my name that can only be provided from my credit report which leads me to believe that a 3rd party did not attempt to obtain a loan but they in fact applied on my behalf without my permission which is in direct violation of the fdcpa and since they are a publicly traded company im sure this sort of practice violates ftc and sec regulations
Consumer complaint received 2023-06-26
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. (MS)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/2022